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LADIES (and humans alike): You’re allowed to want to be rich. Full stop.

Today, we’re sitting down with Vivian Tu, former Wall Street trader turned founder of one of the most influential financial platforms on the internet, Your Rich BFF. From analyzing how the wealthy think during market downturns, to redefining what it means to be financially independent as a woman, Vivian shares the exact mindset shifts that can change your financial future.

Tune in for lessons on:

✅ How the rich actually build wealth during economic downturns

✅ Why consistent investing beats trying to “time the market”

✅ The concept of the “FU number” and how to calculate your own financial freedom

✅ How to recession-proof your career and think strategically about stability vs. growth

✅ Why women need to stop feeling ashamed about wanting money

✅ The truth about friendships, jealousy, and finding people who celebrate your success

✅ Smart scripts for navigating expensive life moments without going broke

This episode is a workshop on thinking like an investor, owning your ambition, and building a life where money works for you… not the other way around.

Timestamps:

01:42: Welcoming Vivian to the show

02:06: How do you build wealth during a recession?

05:17: The true definition of a recession

05:53: All about a K-shaped economy

07:36: Why the feeling of loss is more magnified than a win

09:33: How you should recession-proof your job during a recession

12:03: How to un-brainwash women when it comes to wanting money

16:15: The 2 things to do to remind yourself you’re worthy of wealth

21:02: How to navigate those who don’t celebrate your wins

26:34: Being a bridesmaid on a budget

33:28: Calculating your “F.U” number

39:38: Leasing Vs. buying cars

43:38: Should we aspire to own a home in this economy?

47:25: Would You Rather: Rich Girl Edition

51:05: Closing thoughts

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▫️ Cherie Brooke Luo — 100M+ views demystifying tech, finance & MBAs

▫️ Jean Luo — ex-Goldman Sachs, ex-Snapchat exec, 50+ AI patents, startup investor

▫️ Together: 4 Ivy League degrees • built billion-dollar products • two startups — decoded for you

What you’ll get (and keep):

▫️ 🚀 Ivy League cheat sheets — no $250K tuition

▫️ Personal finance playbooks (salary, investing, negotiation)

▫️ Networking scripts behind $100M+ deals & job offers

▫️ Real conversations with CEOs, operators & investors

▫️ Mindset resets — clarity without the pricey coach

▫️ Systems for career, money, and long-term growth

💛 LET’S CONNECT

~ CHERIE ~

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Substack — cherieluo.substack.com

LinkedIn — /cherie-luo

~ JEAN ~

Instagram — /jeanluo_

LinkedIn — /jeanluo

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Stop Feeling Guilty About Wanting Money | Vivian Tu (Your Rich BFF)