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Networth and Chill with Your Rich BFF

How Parents Save, Invest & Build Wealth for Their Kids

Networth and Chill with Your Rich BFF

Vivian Tu

Business, News, Careers, Business News, Entrepreneurship

4.81.8K Ratings

🗓️ 28 January 2026

⏱️ 31 minutes

🧾️ Download transcript

Summary

Preorder Vivian’s second book WELL ENDOWED HERE! Vivian tackles one of the most important investments you'll ever make: your children's financial future. In this essential and empowering episode, she breaks down how to raise money-smart kids who understand the value of a dollar, from toddlerhood to young adulthood, without creating entitled or financially dependent children. In this episode, you'll learn: Age-appropriate money lessons for every stage—from teaching preschoolers about saving to helping teenagers understand credit, investing, and the real cost of college How to talk openly about family finances with your kids without oversharing, plus the critical conversations about inheritance, privilege, and wealth that most parents avoid Vivian's proven strategies for setting up accounts, trusts, and financial tools that give your kids a head start while still teaching them independence and financial responsibility Follow the podcast on Instagram and TikTok! 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

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0:00.0

I know, I know. Your kid's going to be a genius, or they're going to become a track star, and they're never going to cost you a diamond education expenses because they're going to win the Nobel Peace Prize at 14 years old, discover the secret to world hunger at 16 and win four Olympic gold medals for Team USA before they even learn how to parallel park. Fine. So many kids right now are being saddled with tens of thousands, if not hundreds of thousands of dollars in student loan debt, you can protect your kids wealth, even from beyond the grain. Some people get a cigar for

0:26.6

their high school graduation. I'm planning on giving my kid a credit score in the high 700s,

0:30.7

maybe 800s. Is it bad that I'm kind of jealous of that? What's up, rich friends, and welcome back to another episode of Not Worth and Chill.

0:45.4

I'm your host, Vivian 2, aka Your Rich BFF, and your favorite Wall Street girlie.

0:49.8

Listen, I've tried grinding at a corporate job.

0:52.6

I've tried networking, but what I really recommend is being born into wealth. It's so easy. Before you've even figured out what the alphabet is, you're already rich. I'm kidding. I'm definitely not a trust fund baby, but I spent most of my 20s working hard and figuring out personal finances with the hope that my future

1:12.1

children will have more support than I did. And I guess you probably want the same thing for your kids.

1:17.0

We all know that building wealth is so much easier when you have guidance on how to save, how to invest, and how to make it last for generations.

1:24.7

But how can you help your kids be rich? What resources are out there for creating

1:28.8

wealth that lasts? And also, WTF does a trust fund do. Let's take a look today right here on

1:35.0

Net Worth and Chill. To be or not to be. Right now, we're offering a range of incentives across

1:41.1

Audi models. That is the... But only until the 28th of February.

1:45.8

The...

1:46.6

Um...

1:47.8

So stop whatever you're doing.

1:50.2

Um... I'll be right back.

1:52.9

Just carry on without me.

1:54.1

And find yours online or at Finchley Road, Audi.

1:57.3

Audi.

1:58.0

Four-Sprung Dirk Technic.

1:59.6

Terms and conditions apply.

2:00.9

Selected models, retail customers and participating Audi centers only. Four-sprung Duck Technic. Terms and conditions apply. Selected models, retail customers, and participating Audi centers only.

...

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