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Networth and Chill with Your Rich BFF

The Biggest Money Mistake Women Make (And How to Avoid It) Ft. Zarna & Zoya Garg

Networth and Chill with Your Rich BFF

Vivian Tu

Business, News, Careers, Entrepreneurship, Business News

4.81.8K Ratings

🗓️ 18 February 2026

⏱️ 56 minutes

🧾️ Download transcript

Summary

Vivian sits down for an honest conversation with Zarna and Zoya Garg, the hilarious mother-daughter duo redefining what it means to build wealth, legacy, and success on your own timeline. Zarna went from Mumbai to Ohio, from lawyer to matchmaking entrepreneur to selling out comedy shows at 40—proving it's never too late to reinvent yourself. Now, she's touring with comedy legends, landing Hulu specials, and her daughter Zoya is right there building her company alongside her. Together, they're breaking down the immigrant money mindset, the real cost of chasing your dreams mid-life, and why the timeline we're sold for success is complete BS. In this episode, you'll learn: The financial reality of reinvention, what it actually takes to walk away from a stable career at 40. How immigrant family dynamics shape your relationship with money, risk, and ambition: from the pressure to pursue "safe" careers to navigating conversations about wealth, inheritance, and financial independence across generations. What happens when you build a family business in the age of "nepo baby" discourse, how Zoya convinced her traditionally-minded mom she was the best person to grow the Garg empire, the money conversations every family should be having (but aren't), and why betting on yourself and your people might be the smartest financial move you ever make. Keep up with Zarna and Zoya! Check out their podcast.  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

My mom had passed suddenly. I was almost 15 at the time. My dad was like, I'm done parenting.

0:05.5

You need to get married. That does something to your psychology. I was a matchmaker for a minute.

0:10.7

Horrible. I had a vegan chili business. Okay. Total disaster. I had a disposable toothbrush product

0:16.2

that I had kind of invented and total flop. I lived in New York 25 years and I didn't know what stand-up comedy was.

0:22.3

I was at Ground Zero.

0:23.6

I had to like wake up and build from Ground Zero overnight.

0:27.3

And it was a mistake.

0:28.4

What was I thinking for the 15 years before?

0:39.9

What's up, rich friends?

0:44.3

Welcome back to another episode of Net Worth and Chill with me your host, Vivian 2,

0:47.2

aka Your Rich BFF, and your favorite Wall Street girlie.

0:51.3

Like most Americans, I turned 18, picked a college, then a major, and basically assumed that I was going to work that job that I got out of school for the next 40 years of my life until retirement. That's the dream, right? Not quite.

0:59.7

No one tells you that you can pivot, evolve, and completely reinvent yourself at any age, and that the

1:05.0

timeline we're sold is honestly kind of BS. But here's the thing, reinventing yourself at 40,

1:12.4

that's kind of terrifying. Building a whole the thing, reinventing yourself at 40, that's kind of terrifying.

1:17.3

Building a whole new career from scratch when you're supposed to be settled with a 401k and a sensible sedan. That takes serious guts and financial courage for so long we've been told

1:23.2

there's one timeline for success, one safe path to follow, one narrow window to make your big move.

1:29.2

But today's guests said, nah, it's never too late and prove that your 40s can just be the beginning of something incredible.

1:36.0

From Mumbai to Ohio, from lawyer to matchmaking entrepreneur to selling out comedy shows across the country,

1:41.9

she's turned her unfiltered truth-telling into Hulu

1:44.5

specials, a best-selling memoir and tours with comedy legends like Amy Poehler and Tina Faye.

1:49.9

And her daughter? She's been right there watching, learning, and building her own path in the

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