The Burnouts with Phoebe & Sophia Why Women Are Secretly Better at Money According to an Ex-Wall Street Trader
Jun 5, 2025
Vivian Tu, former Wall Street trader turned financial creator Your.RichBFF and author of Rich AF. She recounts her Wall Street-to-TikTok pivot, automating savings with payroll tricks, navigating money in relationships, investing early and diversification, and how one viral video built a media career. Short, candid stories and practical money moves throughout.
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Automate Savings With Direct Deposit
- Automate savings by allocating a percentage of each paycheck to a savings account at source.
- Vivian recommends sending ~10% to savings automatically via your employer's direct deposit so you never have to think about it.
Use Age Minus Ten To Set Bond Allocation
- Allocate assets by age using a simple rule: round your age to the nearest five, then subtract ten to get the percent in fixed income.
- Example: age 27 → round to 30 → 30−10 = 20% in bonds, 80% in stocks.
Prefer ETFs And Broad Diversification
- Diversify across geography, industry, and company size rather than betting on single stocks.
- Vivian prefers ETFs and a mix of large-, mid-, and small-cap exposure to weather sector-specific shocks.
