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Networth and Chill with Your Rich BFF

32 Life & Money Lessons I've Learned at 32

Networth and Chill with Your Rich BFF

Vivian Tu

Business, News, Careers, Business News, Entrepreneurship

4.81.8K Ratings

🗓️ 25 March 2026

⏱️ 24 minutes

🧾️ Download transcript

Summary

It's Vivian's birthday and she's giving YOU the gift. Turning 32 means it's time for 32 real life and money lessons.  In this episode, you'll learn: 1. Why you should never take advice from anyone you don't want to be, why the harder path isn't always the right one, and the small daily habits that actually move the needle on your finances and your life, way more than grinding on hard mode ever will. 2. Why individualism is quietly making you broke, why you should never take the first salary offer, and how negotiating, not just at work, but in every area of life, is the skill that separates the people who get what they want from the people who leave money on the table. 3. The real lessons about love, friendship breakups, family and money boundaries, and learning to sit with the hard stuff instead of running from it. Plus why rest, spite, and a popsicle in the shower might be the most underrated tools in your arsenal. Follow the podcast on Instagram and TikTok! Host: Vivian Tu  Producer: Grace Rittenhouse Editor: Fringe Podcasts Got a financial question you want answered in a future episode? Email us at podcast@yourrichbff.com Learn more about your ad choices. Visit podcastchoices.com/adchoices

Transcript

Click on a timestamp to play from that location

0:00.0

If you want to lay golden eggs, you have to protect the golden goose.

0:03.2

You don't need to be a people pleaser to succeed in your career. You better be learning or earning, and ideally both. Just try to do what you can. Your friends don't hate you. You just need to go to sleep. I started posting TikToks one day at the urging of my work bestie, and now I'm living a life that I've always dreamed of. The journey might surprise you, and you won't know until you actually do it.

0:31.2

What's up, Rich Friends?

0:32.4

And welcome back to another episode of Networth and Chill.

0:35.5

I'm your host, Vivian 2, your rich BFF, and your favorite

0:38.4

Wall Street Gurley. The rumors are true. It's my birthday. Well, sort of. It was my birthday a few days ago.

0:44.5

I am now officially 32 years old, and can I be honest? I think I feel younger than ever. Yeah,

0:51.2

okay, one day I did try to get up from the couch and realized I couldn't spring up

0:55.6

from the cushions like I used to and I actually care what kind of mattress I fall asleep on.

0:59.9

But still, I am so proud of the opportunities I've created for myself. I'm living each day with

1:05.3

purpose and passion and I'm excited for what this next year around the sun might bring me.

1:10.4

So, in honor of my

1:11.8

birthday, I'm sharing some of the life lessons I've learned in my 32 years that have actually

1:16.4

helped me get to a place in life where I'm looking forward to seeing what comes next. These lessons

1:21.3

aren't the picture perfect pastel Instagram infographic versions. These are the real, hard,

1:26.7

uncomfortable truths that have actually

1:28.5

helped me get to a place where I want to be at. And frankly, I'm still learning some of them

1:32.3

over and over again. So hopefully these pieces of wisdom help you avoid some of the mistakes

1:37.7

that I've made so far, save you some time and money, and inspire you to make a change in an area

1:42.5

of your life where you might feel a little stuck.

1:45.1

So this is 32 things I know at 32.

1:49.5

The world moves fast. Your work day? Even faster. Pitching products, drafting reports,

...

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