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@valerichvizit9465
February 24, 2026 at 5:59 pm
I was at an event with a millionaire who casually mentioned how he hadn’t earned a paycheck in over a decade. I couldn’t wrap my head around it until later when he recommended Shadow Behind The Gate by Brian Rothschild… That book explained exactly how people like him live off systems, not salaries. I stopped obsessing over income and started focusing on assets. Now my whole mindset is different, and Im slowly starting to turn my life around.
@hectorortiz2022
February 24, 2026 at 6:24 pm
The installment payment is a perspective issue at the end of the day. I’ve been using it for a long time now and never had issues at all. American credit cards and banking can be worse
@legoqueen2445
February 24, 2026 at 6:27 pm
Really good advice!! I’ve found the best way for me to save money is to set up a seperate bank account with no internet access and no card, so I have to physically go into the bank to take out money. But now with so many bank branches closing, this is becoming unviable (or maybe in a good way, lol).
@lowbudgetmic
February 24, 2026 at 6:28 pm
Asian accounting 🧾 😮😮😮
@t_phantom5
February 24, 2026 at 6:31 pm
‘The market for collectibles, art, and wine sellers is not as liquid as things like the stock market.”
Pretty sure wine is as liquid as it gets…
I’ll see myself out.
@gigamosh57
February 24, 2026 at 6:36 pm
I love that you mentioned the bureau of Labor statistics site. It’s basically become a meme that the government is out of touch and useless, but places like this really show you the value of a degree and your upward mobility if you have that so-called “piece of paper”.
Yes, some degrees are a waste if you don’t approach them with intention, but it doesn’t take that much effort to make it a smarter choice.
@tazimusmaximus
February 24, 2026 at 6:42 pm
I prefer her successor, Vivian Three.
@criticalvalue
February 24, 2026 at 6:43 pm
Do NOT tell me you got this bubbling idiot for finance advice. Bruh…she’s a joke in finance circles (and most other circles) 😅😅
@Alexsalgadocrown
February 24, 2026 at 6:44 pm
Really couldn’t have gotten a worse expert.
@tazimusmaximus
February 24, 2026 at 6:46 pm
lol, its cute you think that ppl can travel like that now. Let’s me know just where on the spectrum you think normal is.
@Billskdm
February 24, 2026 at 6:54 pm
LOVE HER. Seeing her on here is great
@lled78
February 24, 2026 at 6:56 pm
I wish she talked about the building credit myth by not paying off credit card debt. For some reason there is a myth that having credit card debt all the time and only paying the minimum builds credit. It does not. It just makes you pay more interest on that money you owe. I think people confuse having credit card debt with building a long history by showing you pay off your debts on time consistently. Pay off your credit card debt if you can, don’t let it pile up.
@Zlitty21
February 24, 2026 at 7:08 pm
As a finance professional with 8 years of wall street experience, my only financial advice is don’t listen to Vivian Tu. Nobody takes her seriously 🙃
@fatalvisi0n91
February 24, 2026 at 7:14 pm
Joint bank is the only way. Madrid couples who join incomes create wealth faster. If you are useless and can’t be in a relationship then just stay single. Talking to you Vu
@Winston0Boogie
February 24, 2026 at 7:22 pm
“Loud budgeting” more new ways of saying things…. I’m loud yawning.. always with these cute terminologies to name something that’s not new.
@MS-wh5lt
February 24, 2026 at 7:23 pm
if her app is free that is cool. Otherwise she said don’t hire a financial advisor, but hire her RIA??
@hardchooligan
February 24, 2026 at 7:54 pm
If you don’t trust someone enough to share finances you shouldn’t marry them
@HoodedpresenceGaming
February 24, 2026 at 8:01 pm
Not sure about rakuten, but if you use any browser extension DO NOT USE HONEY
@TheKindDoc
February 24, 2026 at 8:02 pm
SHe isnt terrible, though not that great and too much misonformation, but she crossed a line when selling her own product, as this respectful channel NEEDS TO BE DISCLOSING when there are embedded ads in the video content.
@TheKindDoc
February 24, 2026 at 8:07 pm
OMG she doesnt understand AI and thinks her little successful world will be the same for a long time, and definitely ignore her advice. I watch this cahnnel all the time, and love most videos, but “this girl ain’t right” and could cost you a lot of money. I would put more under your mattress if people like this ever make it into government. Oh wait, they already have with Trump.
@TimTheTall
February 24, 2026 at 8:08 pm
Save $2000 a year for 25 years, with 7% growth, you will end up with around $150K.
@hammadusmani7950
February 24, 2026 at 8:13 pm
Thank you for making this video. Usually, I wouldn’t go to my “Rich BFF” for financial advice because they often won’t be able to cite the price of milk but I was wrong with this video. One very important lesson I want to share is about the emergency fund. At a minimum, please have 12 months of living expenses no matter who you are, before marking it off as a financial goal. Ideally, you would need 36 months, or 3 years, of living expenses. Also, cheap undeveloped land that has a history of resell is an even harder way to store your savings.
@ohoffm1
February 24, 2026 at 8:16 pm
6:53 “if you don’t have to pay for a product, then you are the product”. Careful on using these affiliate sites, if you don’t mind trading the discount that you get for giving them the data of everything that you buy so they can sell your information, go ahead and do this one
@runnerguy7564
February 24, 2026 at 8:16 pm
Great advice. Bring her back
@wuzhai2009
February 24, 2026 at 8:20 pm
Nobody ask how she got that enormous diamond ring.
@TheSkinnyZ
February 24, 2026 at 8:23 pm
Hi, so quick question: if you’re my rich BFF can you invite me on a tropical vacation? Or maybe get me some Ariana Grande Tour Tickets? Much appreciated. Talk soon, bestie.
@jayremi1835
February 25, 2026 at 3:28 pm
Step 1: Have money
@briankelly1817
February 25, 2026 at 3:32 pm
I don’t think capitalism = greed. Greed happens in many types of economies
@SuperRodriguez2005
February 25, 2026 at 3:42 pm
On the joint bank account- isn’t there a legal thing called, ” financial infidelity”?
@birdwurld
February 25, 2026 at 3:49 pm
9:42 how though, HOOWWWWWW does one do this?
@LesserAndrew
February 25, 2026 at 3:59 pm
I’d never heard of “loud budgeting” before and I love it
@suteki-shi
February 25, 2026 at 3:59 pm
Only commenting because of the thumbnail…
People are NOT this f*cking stupid. There’s no way.
@thesierrashirley
February 25, 2026 at 4:11 pm
pleasseee where can i get a high yield savings account none of these banks offer them
@melodykuck1153
February 25, 2026 at 7:33 pm
Your local credit union will have them!
@anxiety4daysmusingmedic891
February 25, 2026 at 4:19 pm
6:22 Thank you. I wish this resource existed 20 years ago. Intuition told me to never agree to a student loan. The idea of being financially committed and the pressure that would add did not seem survivable.
@omarxxxxx
February 25, 2026 at 4:25 pm
she’s a scammer
@adamlerma2463
February 25, 2026 at 4:51 pm
Personal Finance is the phrenology of economic oppression
@lisaferguson5781
February 25, 2026 at 5:04 pm
New Zealander here. Recently diagnosed with stage 0 melanoma. Started with a mobile clinic skin check, then a follow up with a local GP (general practitioner), referral by dermatologist, excision by another GP, diagnostic testing and diagnosis , consultation with plastic surgery department at regional hospital, follow up surgery at same hospital.
Total cost $24 for initial GP consult. Plus the cost of driving to the hospital twice, approx 3hr round trip each time
@hitopstl
February 25, 2026 at 5:14 pm
24:42 so they become landlords. Got it
@Matt-u4h5s
February 25, 2026 at 5:17 pm
One of the smartest, most articulate, most RELATABLE and down to earth people I’ve seen on these so far. She’s so real!
@Unfortunate_trampoline
February 25, 2026 at 5:35 pm
9:04 this is literally why my husbands first massive savings account was designed by him to have to take it out in person. It was 4 hours away. It was annoying when we took the money out for the down payment on our house but REALLY effective to make sure we had the down payment
@jebidiahcarlyon3543
February 25, 2026 at 5:51 pm
Some companies won’t let you split your check between bank accounts.Would be nice if they did though.
@DarkPirate647
February 25, 2026 at 6:03 pm
loud budgeting. lmao.
it’s true, the looks people can have when you say something as simple as ” I can’t afford that”
@AxelQC
February 25, 2026 at 6:14 pm
Vulture Capitalism
@jjsan1
February 25, 2026 at 6:21 pm
Joint requires trust, if no joint, no trust, no relationship.
@RyanNoseBest
February 25, 2026 at 6:25 pm
If someone wants me to attend wedding events across 3 different countries, they better be paying for the trips
@AnnetteGlaess
February 25, 2026 at 6:47 pm
Just say “not in my budget.” Period. You absolutely don’t have to continue that sentence with the how and why, that’s your business alone. ‘Out Loud ‘is not required of you, or anyone. And that Emergency Fund? that is for real emergencies, not that your friends are going to Cabo without you.
@i.am.navkaur
February 25, 2026 at 7:07 pm
Wonderful and thoughtful financial advice.
@ronaldocost4
February 25, 2026 at 7:41 pm
Partner bad with money? Should become an EX-partner. Don’t ruin your life just because they want to ruin theirs. That’s not love, that’s insanity.
@Ultimatebubs
February 25, 2026 at 7:59 pm
Spending tracking apps drove me nuts. They constantly miscategorized my expenses, causing me to trigger some false alarm for a spending category in the app. Seriously, it’s just easier to ask yourself “can I afford this?” before buying something.
@EmberCrow-x2i
February 25, 2026 at 8:07 pm
The top of a finger costing 16k is insane.
@kaeb0_o264
February 25, 2026 at 8:10 pm
the perspective on social media as the thief of joy is difficult to reconcile. Not because that’s false, but because that visibility also tips us off to wealth gaps I think.
WHY does my neighbor fly in a private jet when my other neighbor on the same block can’t afford daycare? The general public should be aware of disparities in quality of living at an individual level like that. That general awareness lays the groundwork for collective decision making on what’s truly equitable and advocate for better conditions. We don’t know about disparities we can’t see.
@sassyblueberrysauce
February 26, 2026 at 3:17 pm
Who can really afford to save 6 months worth of living expenses? I have a retirement fund with that amount, but a savings account??? Heck no! No way I can save that much. Expensive problems always come up.
@nose_poke
February 26, 2026 at 3:21 pm
Love the “loud budgeting” explanation. Let’s make conversations about financial responsibility a normal occurrence between family members & friends! <3
@swurvydel
February 26, 2026 at 3:27 pm
It’s awfully sexist to say you need separate bank accounts so that women can leave bad situations. Is the implication that men are never in a terrible situation with their spouse? Even in the mine yours ours method, all assets are communal assets when it comes to divorce. You don’t get to leave with your money and only split the our money. This narrative of how horrible men are is really getting old.
@belattematcha
February 26, 2026 at 3:39 pm
Coupon extensions don’t always find deals, but I’ve had some success with SimplyCodes! They are affiliate-friendly and sometimes have coupons I would not have found otherwise
@SmolAliens
February 26, 2026 at 4:09 pm
My first apartment I tried to negotiate when the rent went up after the first year. They essentially laughed me out of the room. In the age of corporate landlords negotiating rent is no longer an option.
@spilledpopcorn
February 26, 2026 at 4:22 pm
Drake was your go-to for that?
@BlueBird8925
February 26, 2026 at 4:35 pm
Great speaker!!
@Rosegarden-1
February 26, 2026 at 4:38 pm
It’s so expensive being an American 😂
@Passion84GodAlways
February 26, 2026 at 4:39 pm
Hey Vivian! 😁👋🏾
@WchDiego
February 26, 2026 at 4:42 pm
15:42 USA is built differently…
16k dollars for a simple knife accident.😮
@hollykm
February 26, 2026 at 4:46 pm
Are we really at the point where we have influencers on this segment now
@becster0902
February 26, 2026 at 4:50 pm
Capitalism is definitely male
@FUPagame8
February 26, 2026 at 5:05 pm
7:58 I’d say renegotiate the percentage rate or transfer the high interest debt to a credit line with a lower percentage rate, then pay that down.
@nerobruno
February 26, 2026 at 5:18 pm
Another Vivian? My ex is Vivian too. 😮
@Eddiig
February 26, 2026 at 5:30 pm
Love this she’s so knowledgeable
@LeeThePolymath
February 26, 2026 at 5:43 pm
This was really good. Make this an annual segment with Vivian. Please and thank you.
@montyollie
February 26, 2026 at 5:44 pm
I love how she presumes you can get a job that pays twice your needs. Has she lived in the real world in 2026?
@mastoner20
February 26, 2026 at 5:53 pm
1970s America: I don’t want the Middle-Class to leave the city.
2020s America: I don’t want the Middle-Class.
@iamcoriane9854
February 26, 2026 at 6:17 pm
11/10 Loved how Vivian broke everything down clearly and with very sound advice. I would be happy to see her on here again!
@jaimers491
February 26, 2026 at 6:29 pm
Sometimes I forget how lucky I am to be an American who was raised to avoid debt (esp credit card debt), and doesn’t care about consumer/material stuff for the most part. I make less than some of my friends but still put away much more into my savings and long term investments and live a happy life (:
@NataliesRevenge
February 26, 2026 at 7:02 pm
You brought up Drake when you could have brought up Kendrick. 😢
@REAnyAJ
February 26, 2026 at 7:19 pm
Self custody stable coins with yield
@kennethuyabeme
February 26, 2026 at 7:22 pm
8:21 In Canada we have a special kind of saving account for just this. You can’t touch it till you’re 65 or something and capital gains you earn while money is in there are tax free.
@Crystalblue.42
February 26, 2026 at 7:44 pm
did she just say we can negotiate rent? as if sqft is not market based pricing? don’t give me hope for negotiating rent 😢
@JSaiyan-f7m
February 26, 2026 at 8:15 pm
If you have been bad with money and don’t have an emergency fund these apps can be quite useful for that until you can build a real emergency fund. That’s about the only thing someone should use these for. If you are going to buy some plane tickets or something similar anyway then do that with your chosen app because that will increase your emergency fund limit.
If you’re smart these can be quite useful services.
@alexhanna2445
February 27, 2026 at 8:20 am
always skeptical of finance videos (‘invest in crypto and this housing private equity fund and ruin the world’) but heard her criticize capitalism in the first 5 minutes and was locked in lol
@N7-ElusiveOne
February 27, 2026 at 8:24 am
No company has ever begged me to do anything. The phrasing is insane. It’s a marketing tool to get you to disassociate with the price of a thing, by lowering the initial price.
@terrencemoore-u8i
February 27, 2026 at 8:28 am
Almost blocked this channel based on the title alone 😂 keep that parasocial stuff over there
@rusope1050
February 27, 2026 at 9:12 am
can’t stress this enough: emergency fund! even if and i dare say, even more so if you’re on a thigh budget. i can only put away 30 bucks a month and the fund is only a few hundred rn, but it saved my butt already twice. trust me. do it. do it now.
@midnight.amethyst
February 27, 2026 at 10:53 am
Go Vivian…you made it girl❤
@DolanTrump2137
February 27, 2026 at 11:15 am
Cringe person in this video. Stop having racial communists please
@ker_possible
February 27, 2026 at 11:41 am
Saying “don’t use Klarna” is not explaining why they push people to pay in instalment. The answer is they make money in interest the longer you take to pay something. I went to a car dealership to buy a car, the salesperson was so happy to serve me. when i told him, I wanted to buy the car outright he practically kicked me out of his store.😂
@aminurashidfriday
February 27, 2026 at 11:51 am
I quite disagree with her take on assigning the word capitalism with a female pronoun. The greedy nature of the term should be something so loudly male 😂
@DevoutSkeptic
February 27, 2026 at 11:58 am
1:26 The only way using BNPL makes sense is if it’s 0% interest and you take the money that you would’ve had to spend up front on the full cost and instead invest it in something that earns you interest. That way you’re the one earning interest in the exchange instead of the BNPL company.
@DevoutSkeptic
February 27, 2026 at 12:13 pm
10:31 Caleb Hammer getting put on blast
@youweremymuse
February 27, 2026 at 12:13 pm
24:10 you do pay property taxes as a renter. You give your landlord rent, which they then use to pay the taxes. This may seem like nitpicking, but people use this fallacy to complain about renters in their neighborhood.
@emilyfoster6487
February 27, 2026 at 1:37 pm
If you wanna be rich just don’t be poor
@mandyveillette1267
February 27, 2026 at 2:08 pm
Wait, so if someone has high-interest credit card debt, the recommendation is to first save for an emergency fund, 6 months living expenses, and THEN pay the credit card? That seems insane… The amount of time it takes to save 6-12 months of living expenses is A LOT for most people, and during that time your credit card debt is just snowballing out of control. Anyone else thought this was debatable?
@brownliketheearth
February 27, 2026 at 3:29 pm
Sunk *his teeth into it.
Fixed it for y’all 🙂
@madarchmage1151
February 27, 2026 at 3:34 pm
I like this. Thank you
@_KizzMia
February 27, 2026 at 4:06 pm
How do you negotiate your rent??
@JeffreyRelatedIssues
February 27, 2026 at 4:33 pm
BNPL was good but then capitalism happened. Girl, BNPL was the product of capitalism to begin with.
@invox_in_your_inbox
February 27, 2026 at 4:37 pm
I love these shows where they talk about money… To me, it’s exactly like those where they talk about ghosts!
I mean, they say it’s “real” but I never saw any of them. 💸
@daisakura
February 27, 2026 at 4:52 pm
I hate when they don’t answer the question asked but provide advice to not be in the situation in the first place. I WANT AN ANSWER not an opinionated advice piece!
@JeredtheShy
February 27, 2026 at 5:01 pm
On the “five dollar coffee” subject: People online are all looking for enablers, and somebody to tell them that their favorite bad habits don’t have to change. The truth is that it’s not the big splurges – often on things that have lasting value – that wreck people, it’s spending $10, ten times through the week and now you’re somehow $100 short and you’re not sure why. It doesn’t matter if it makes you a millionaire or not, killing small recurring expenses that you aren’t actually required to spend is the first step in money control and a better, less stressful life. Your splurges should be deliberate, on things that are special to you, the money can’t trickle away on $3-10 items bought out of habit or convenience.
@AfterJamieLeeC
February 27, 2026 at 5:06 pm
I used zip pay when I was really broke and back when they didn’t report anything to my credit score. I rescheduled ONE payment bc I didn’t get paid on the day they wanted to charge me. They immediately sent the entire amount to my credit score saying I didn’t want to pay it. I wasn’t even told they started reporting to the credit bureaus and I only found out they count each purchase as an “individual line of credit” by one day looking at my credit karma report and seeing all the purchases on there. I’ll never use another pay in 4 app again after that. Might as well get a credit card
@donnyz89
February 27, 2026 at 6:01 pm
Even putting it as “only $2000” is not trivial. For a median earner making 50k post tax, that’s 4% of your pay, JUST to have coffee, which is you can make on your own for 1/10 of the price. But yea, most people are getting coffee+stuff, and same people get lunch out. In practice this type of convenient spending is a lot more than $2k mindlessly spent per year, it’s an entire Roth IRA or more. And chances are a lot of the same people are drowning in debt and aren’t saving for retirement. So no $$2k a year isn’t making anyone rich but it’s that category of mindless convenient spending that most people can easily cut to prioritize other goals but choose not to.
@pompom2621
February 27, 2026 at 6:36 pm
pro tip: every time you think of spending money on chipotle or starbucks, deposit the same amount into savings instead.
@rociomeza5578
February 27, 2026 at 7:13 pm
Si rentas un lugar para vivir, parece que no pagas property taxes, pero puedes estar seguro de que el landlord te esta cargando los taxes en el alquiler.
@Yuku-kano
February 27, 2026 at 8:45 pm
The way she talks really caught me. That’s so compelling and clear cut
I always admire people like her who makes so much sense as a person having adhd with messiness
@alphaomega692
February 27, 2026 at 10:05 pm
Creator credibility instantly lost when actively monetizing on that capitalism is bad.
@villelotjonen5491
February 27, 2026 at 10:05 pm
“I don’t have that money, but my emergency fund does!” so…you have the money.
@youyou8889
February 27, 2026 at 10:11 pm
19:06 i flinched like a victorian child
@chronolojays4634
February 27, 2026 at 11:27 pm
Fun video! Genuine question as a non skater: why don’t y’all wear helmets? It seems terrifying to me to be doing those tricks without one!
@bikermouse66
February 28, 2026 at 12:19 am
You rock. Thank you bff😊
@vinayk6409
February 28, 2026 at 3:08 am
6:42 if that chrome extension is one called “Honey”, it was recently found that the app often doesn’t find a discount, but replaced any affiliate link with themselves as being the affiliate. Meaning if you clicked on your favorite influencers affiliate link, or a friend or family member, you think that your friend or family member is getting a “commission”, but really “honey” would get it. Not saying all discount finders are like this, but thought it’s worth noting on a video aiming to educate how money moves.
@stephendonovan6773
February 28, 2026 at 3:44 am
Why can things only go south for women?
@s.georgiak3432
February 28, 2026 at 4:25 am
The only issue is that some bridezillas and groomzillas are going to take offence at you for not able to afford their expensive wedding. 😅 There goes that friendship. But I agree that being clear about not going into debt or draining your finances in order to attend a friend’s wedding is common sense. But then again that you need to explain this to a friend with expensive wedding events is another level of nuts. The wedding industrial complex is insanity writ large.
@hansgruber1686
February 28, 2026 at 5:01 am
Honestly if they can’t understand that the friendship needs to go anyway.
@hansgruber1686
February 28, 2026 at 4:59 am
With buy now pay later stuff, the economy basically has the sky asa limit for pricing because now people don’t need to be able to sfford the burrito they only need to be able to afford the payments for it.
@zomgitsangie
February 28, 2026 at 10:47 am
So proud that she made it on Wired!!
@yodiang3580
February 28, 2026 at 11:16 am
It’s so crazy how much an ER visit costs in the US, in my country a case like hers would only cost about 20-30% of what she was billed in the US
@picklepirate
February 28, 2026 at 11:31 am
My husband and I have a joint credit card.
Love it, only gas, groceries, and necessities are shared.
@Q8Patriot
February 28, 2026 at 12:16 pm
Thanks ❤😅
@troyleegilbert790
February 28, 2026 at 1:53 pm
If the halibut swims into the sharks mouth it isn’t really predatory.
@urbanstrencan
February 28, 2026 at 2:23 pm
Great video, finance support in a nutshell 😅😊😅
@kurmit-ih1yn
February 28, 2026 at 2:37 pm
Vivian is amazing! I wish I had this type of advice in my youth!
@forexrobotsforexfactory1si836
February 28, 2026 at 4:44 pm
Health is the real wealth, not a $16k ER bill.
@Tiffany-xx7kr
February 28, 2026 at 5:01 pm
Speaking of chrome extensions, Honey has been exposed for scamming consumers. They make their money by adding their referral code to the site you’re going to so that they get affiliate money for referring people to websites. The problem is that they told consumers that they would find them good discounts, but they actually partner with companies and tell them that they”ll hold back the best discounts. Their sales pitch is “Once we tell them we found the best deal, they won’t keep looking and find better deals on sites like rakuten or RetailMeNot. “
@osodesol
February 28, 2026 at 5:39 pm
Just here to say that it’s not only women who need to save money for facilitating getting out of a bad relationship, and I’m sick of having to say it. Even if the numbers show it’s a majority of women (due to many factors), I find this to be an irresponsible and antiquated way of speaking about this sensitive topic. Why do you think abuse of men and non-binary people in relationships is so underreported? Among other things: Expert comments like this that perpetuate the idea that this is a problem for women only.
@saintsalieri
February 28, 2026 at 6:26 pm
Talking about even one friend, let alone four, having a “destination wedding” is so out of touch it’s crazy.
@mariacarolinahernandezribe2956
February 28, 2026 at 6:55 pm
😅😅😅 She would love studying Brazilian’s economy habits
@timberline1487
February 28, 2026 at 7:08 pm
So basically do everything Dave Ramsey has already been telling us to do for the last 30 years.
@neilwadden1749
March 1, 2026 at 3:59 am
My wife controls the joint bank account which I’m fine with. It works
@CalzaTheFox
March 1, 2026 at 4:01 am
Very wise and down to earth advice.
@angelfiga
March 1, 2026 at 8:44 am
love this video. So clear, practical, and she’s even funny giving this real life advicing.
@ltmapk
March 1, 2026 at 8:45 am
Thank you. Very informative!
@Forever_Rayne
March 1, 2026 at 8:46 am
Very informative video!!!
@LmicheleLive
March 1, 2026 at 10:33 am
There is quite literally not one way, I’d travel 3 locations for a friend’s wedding unless they were bankrolling all travel. That’s an insane ask. 🤯
Savings goal or not🙅🏾♀️
@sailorstarfairy1
March 1, 2026 at 11:12 am
Acting like people have money to put stuff months of living expenses in a savings account is only for those people who are upper middle class and already paid their student loans off…
@werokitchen
March 1, 2026 at 11:54 am
The unfortunate reality is most people’s rent is 50% or more of their income. Add groceries, transportation, insurance, and basic cost of living is easily 80-90%. People aren’t bad at saving money, the system is not designed to allow for it.
@silverplim
March 2, 2026 at 6:53 am
So then save and invest that 10% leftover.
@totodos
March 1, 2026 at 12:35 pm
The saving strat that’s always worked for me was to put the thing I want against the thing I’m saving for. “Do I want this thing, or the thing I’m saving for more?”. The thing I’m saving for usually wins out
@stepherssays
March 1, 2026 at 3:55 pm
My husband and I have a “Yours, Mine, and Ours” accounts for the last 8 years and it works so well for us. We are both financially responsible and open with how much we have and spend.
@madeleinedarnoco5190
March 1, 2026 at 4:18 pm
2:26 in my last relationship we had a joint bank account, plus each our own. Each month we‘d pay into the joint account for rent, utilities, groceries, date nights etc. and the rest was still ours. That worked really well to differentiate and keep independence, while not having to discuss about who’s paying for dinner tonight
@madeleinedarnoco5190
March 1, 2026 at 4:23 pm
9:39 whenever my phone plan is about to automatically renew, I cancel it. A couple days later I get a call and the offers are always better
@shoegurl8849
March 1, 2026 at 7:45 pm
Renters pay property taxes. It’s called your rent payment.
@Leah-yz4rj
March 1, 2026 at 8:55 pm
My dogs have always had an emergency fund. I started it in my 20s when I had three. Every month I would transfer $30-$60. I don’t ever touch it unless absolutely necessary and it’s only for the dogs. I pay for vet visits and food like normal. One year they had more money than me and I needed help, but I never touched it. So far, I’ve only dipped into it once when a dog needed to see a cardiologist and was diagnosed with congestive heart failure. If you have pets, I highly recommend it.
@hopegold883
March 2, 2026 at 1:36 am
Q: How can I help my parents not to get scammed?
A: Set boundaries. Your parents are taking advantage of you.
@guerrillagamer2919
March 2, 2026 at 1:52 am
One tip to avoid spending savings is to deliberately cut up the card so it’s way harder to actually spend the money
@aidanpia5458
March 2, 2026 at 2:34 am
Personally the “buy in 4” schemes helped me massively when I lost my job during covid and needed food asap. Thankfully though I’m not as bad with it as others are
@mikemarkong
March 2, 2026 at 5:16 am
really hope that the economy in my country gets a bit better. i can’t live under 70% of my budget for my Needs. the 30% is thrown into insurance, and wants. got no security and emergency funds.
@crunchie83
March 2, 2026 at 9:14 am
1:35 we have a joint account plus individual accounts, and we call that PLAID money (Personal Luxuries And Independent Discretion) haha
@fonziekj52
March 2, 2026 at 9:32 am
5:54 only 20k in student loans? Man that must be nice
@zuphix1802
March 2, 2026 at 9:38 am
Most of this doesn’t apply outside the US, fortunate and sad for you guys
@copperlocke
March 2, 2026 at 10:39 am
Rich people are not negotiating these hospital bills, they are paying people to spend hours pouring through those bills and negotiating with the hospital for those bills. Poor people simply don’t have the time to do this and can’t afford to pay an assistant to do it for them.
@itskennday
March 2, 2026 at 12:17 pm
Very informative!
@peepjynx
March 2, 2026 at 12:47 pm
Not off to the greatest start: People should really understand the history of the “By Now Pay Later” (BNPL) system formerly known a “layaway.” It was a system created during The Great Depression (already see where this is going?) so people could afford goods at no interest with installment payments. The store usually kept the item until it was paid off. If you had to skip a payment, this would cause less friction. It was a response to a failed economic system. The fact that it’s back now should scare the crap out of everyone. The general advice of “don’t use it” is something I can get behind. But there’s a deeper story here rooted in history. That’s not something I suggest anyone gloss over.
@ethanmann5231
March 2, 2026 at 1:42 pm
BNPL is far worse than layaway. Instant gratification without instant consequences.
@emilydrewettjones5443
March 2, 2026 at 12:48 pm
“You don’t need those things to be happy, someone is just trying to sell them to you.”
@Showmetheevidence-
March 2, 2026 at 1:22 pm
A lot of this is ok advice, but watch some other stuff (like Dave Ramsey for one) before blinding following this video
@ethanmann5231
March 2, 2026 at 1:39 pm
Dave Ramsey is one of the last people to follow blindly. Don’t get me wrong I like Dave, he gives tons of great advice and has helped thousands get out of debt, but he also has some dangerously bad advice.
I think Bo and Brian at the Money Guy are far better to listen to to optimize your finances.
@jgojiz
March 2, 2026 at 3:04 pm
Great content
@JohnT-o6h
March 2, 2026 at 3:14 pm
a financial advisor can help you decide when to take social security and medicare, and how to minimize taxes in retirement. you don’t have to have them handle your investments
@Dean_906
March 2, 2026 at 3:49 pm
People who have two parties to celebrate an upcoming wedding are obnoxious. Stay married for 10 years, then have the party of your life. At least then you’ll actually of accomplished something.
@shadowkillion
March 2, 2026 at 3:51 pm
16:54 “a housekeeper comes, the neighborhood bodega”…. we are not living anywhere near the same bracket of finances.
@myopicdreams
March 2, 2026 at 3:59 pm
Holy crap that resource for Americans! At 6:15 is there something like this for Canada too? That’s amazing!!
@isaM08
March 2, 2026 at 9:33 pm
I really appreciate that she says “you can’t budget your way out of poverty”. Specially nowadays where everyone is struggling and making min wage is so much below poverty line
@izzy4bitney
March 2, 2026 at 10:05 pm
Some studies show talking about financial stress can help alleviate the mental burden. Share your woes and/or goals freely (but safely)
@cjsheu
March 2, 2026 at 11:08 pm
0:56 no i do NOT recognize that capitalism is she/her!!!!
@carlosmunoz8789
March 3, 2026 at 3:16 am
love this advice
@MuppetZonk73
March 3, 2026 at 8:17 am
Started this episode with not so high expectations and really got taught a lesson. Well done, clearly structured, and sound information and guidance. Well done, chapeau!
@tabbithagordon2403
March 3, 2026 at 8:58 am
God, hearing her say that buying a house doesn’t make you a winner, and not having one doesn’t make you a loser makes me feel so much better. My mum is constantly pressuring us to buy a house when we realistically can’t afford it (and she thinks prices are what they were 20 years ago) and it does nothing but make me feel awful every time I even think about looking for houses.
@sambojangles10
March 3, 2026 at 9:47 am
Great advice! Simple, approachable, and hits all the high points.
@nancy3939
March 3, 2026 at 10:08 am
Gross, AI user
@cassaleelee
March 3, 2026 at 10:43 am
BNPL is a great tool IF you are very disciplined and use it correctly. You’ll never pay interest, and it allows you to split payments on large, necessary purchases. It’s not for buying a burrito though. Do NOT use it if you aren’t an experienced user of credit without debt.
@critercat
March 3, 2026 at 10:50 am
Imagine Drake watching this video and finally justifying hiring someone to do his finances.
@madgds
March 3, 2026 at 1:28 pm
I wish she had gone more in depth about what type of investments one should look into.
@21jd_
March 3, 2026 at 1:29 pm
nah i had to backtrack because she said 16k for a finger jesus how do americans live
@bentobench8295
March 3, 2026 at 2:36 pm
Saying negotiate for higher pay annually it the middle of mass layoffs is def..a choice
@sotaqueesquisito
March 3, 2026 at 3:27 pm
The occupational outlook handbook is garbage unless you’re looking up a job you heard of in kindergarten. The way other things are split up doesn’t always make sense and a lot of stuff isn’t covered. I don’t find it useful at all.
@AdmiringObserverR
March 3, 2026 at 5:33 pm
Just curious, how long would it take any of you guys to save up 6 mos of living expenses? I think it would take me 2 years.
@minkiform
March 3, 2026 at 5:56 pm
Needed to hear this. I definitely have a spending problem especially when it comes to buying drinks 😅
@le6394
March 3, 2026 at 9:18 pm
Hi BESTIE
@cj-bi7hz
March 3, 2026 at 9:26 pm
i love my rich BFF!
@Alteran_Polar
March 3, 2026 at 11:49 pm
I appreciate Vivian. Practical and honest advice that doesn’t sugar coat reality.
@katherineforbes9440
March 4, 2026 at 12:29 am
Get anyone paying you back to put it in your saving account instead of your spending account
@FloweringGoatBoy-c4f
March 4, 2026 at 2:40 am
No rich person is your friend. No rich person fulfills their ethical obligation to better the society that allowed them to be rich. No person should be your friend who drops 5 grand on a cruise while others die of poverty.
@samboescondido5609
March 4, 2026 at 9:54 am
Appreciate her breaking down when one might need to engage a financial planner.
It makes sense that it is more about the complexity of your finances than the size of your paycheck. Thank you
@icegirl1691
March 4, 2026 at 1:37 pm
Another way to not touch a savings open a CD they usually have higher rates any way. And what most people don’t know is you can start small and most places will let you open multiple CDs. You don’t need a ton of money to open one check with your bank or credit union to see what their minimum is.
@SFtheWolf
March 4, 2026 at 6:53 pm
“save 3 to 6 months of living expenses” cool good to know all this advice is actually just for people with money who think they’re broke because they spend it all and not people who are actually struggling.
@ofaissance
March 4, 2026 at 11:15 pm
“You can’t budget your way out of poverty” hit me like a brick
@jeffreyreyes-espinal5700
March 5, 2026 at 12:04 am
Love this
@gasparsigma
March 5, 2026 at 7:59 am
When I saw “Your rich BFF” I thought I wasn’t the target audience for her, but dang she gives really great advice and in a very charismatic and empathetic manner, she’s great!
@brucevandermescht6957
March 5, 2026 at 8:40 am
Easiest way to clear an overdraft is to constantly raise the floor a little bit every time you get paid. Call up the bank and tell them to raise the floor with $100 until you’re eventually out of debt and no longer have an overdraft. Helped me clear mine in 6 months.
@celinepope
March 5, 2026 at 9:37 am
A $5 coffee is more like $8-12 these days.
@rhysand7365
March 5, 2026 at 11:39 am
16k for sewing back finger???!
@Uncle_cheeto
March 5, 2026 at 11:42 am
crazy props
@GreenGardenGamer
March 5, 2026 at 11:51 am
“How much do you trust AI” NO NO NO. Do NOT trust AI point blank periodT.
@GreenGardenGamer
March 5, 2026 at 12:00 pm
For Americans to buy a house today, we essentially have to pool money/operate like we were in a college house again.
It’s not a matter of “is it worth”, it’s a matter of “it’s not even feasible”
@ryanthescion
March 5, 2026 at 1:13 pm
12:00 it is actually really really good that we have access to seeing what the inside of a private jet and other 1%er activities are and their frequency because we shouldn’t be allowing them to occur. and you can’t really know to stop something unless you know it exists. Taylor swift shouldnt be allowed to take 4min airplane flights.
@lethargicbobhope
March 5, 2026 at 2:03 pm
Really out here saying negotiate rent..
@waffles2693
March 5, 2026 at 5:37 pm
She worked on wallstreet for 2 years. She gives the most generic basic advice. Not saying it’s bad advice, but people out here really inflating her ego. She’s an influencer here to sell her books and courses!
@jazzkatvibes
March 5, 2026 at 11:00 pm
Rich people can negotiate on things like medical procedures because they have the money to pay the whole amount. The hospital will always take a lump sum of 4k for a 4.5k bill. If you have to pay in installments, they will probably not negotiate with you.
Also, checking all your bills for errors requires time that most people don’t have
@cameronhampton1315
March 5, 2026 at 11:12 pm
Not me literally eating a 16 dollar burrito while watching this.
@imnotabotjustnotsurewhattoput
March 6, 2026 at 1:03 am
17:23 gurl, RUUUUN!!!!! Run as far away as possible
@rarasalinas
March 6, 2026 at 10:37 am
The whole splitting up the total cost into payments thing is to keep everyone in a perpetual cycle of debt. 95% of the population is not going to realistically buy a cell phone for $1000 but if the phone companies break it into a just $20 more per month on the bill, 94% of that 95% will gladly do it. It’s just to get the consumer used to paying well more than a product is worth and keeping them dependent. Prices are slowly but surely going up and in most cases they don’t need to. Consumers respond by that perpetual cycle of debt because they have to have it now.
@Lanoom
March 6, 2026 at 11:32 am
The real example Tu gives on sports betting ruining a couple’s joint bank account sent a legitimate shiver down my spine.
@anabelloc98
March 6, 2026 at 4:00 pm
minute 17:20 hits hard. Commenting on this to come back later after some decision-making.
@kay5266
March 6, 2026 at 4:22 pm
Yes! Vivian!!
@stewartsharpe5790
March 6, 2026 at 5:18 pm
We aren’t all dummies that sould be locked out of our own accounts. Smh