Vivian Tu, the social media sensation known as "Your Rich BFF," is on a mission to demystify personal finance and help everyday people build real wealth. In a series of candid interviews and popular TikTok videos, the former Wall Street trader turned financial educator is sharing her top tips for taking control of your money.

Opening Up About Money Matters

For Tu, getting comfortable discussing personal finances is the first step. "Start early, start often," she advises. "I always say you have to talk about money on the first date." By broaching the topic with your significant other from the beginning, you can gain valuable insights into each other's financial values and goals - a crucial foundation for a secure future together.

Tu encourages fun, lighthearted money conversations, like asking your partner how they'd spend a hypothetical $100,000 windfall. "Conversations about finances can be fun and lead to insightful lessons about your partner's financial values and goals," she says. "But money conversations don't have to be intense."

Mastering the Fundamentals

Beyond relationship dynamics, Tu emphasizes the importance of personal finance basics, like budgeting, saving, and investing. "Finances are one of the most important conversations to have with your significant other," she says. "While many people wait until they are engaged or married to talk about finances, I recommend you start as early as possible."

For those just starting their wealth-building journey, Tu recommends creating a budget and exploring investment options. "It's never too early to start investing," she notes. "Even small, consistent contributions can add up over time."

The Bigger Picture

At the heart of Tu's message is the belief that financial literacy is the key to empowerment and independence. By demystifying complex topics and making money management approachable, she hopes to inspire a new generation of financially savvy individuals.

"The ultimate goal is to help people take control of their finances and build the life they want," Tu says. "Whether that's buying a home, starting a business, or simply feeling secure in your financial future, the tools are out there. It's just a matter of taking that first step."