The Only Finance Guide New Grads Actually Need

Networth and Chill with Your Rich BFF

Vivian Tu

Business, News, Careers, Business News, Entrepreneurship

4.8 • 1.8K Ratings

🗓️ 3 June 2026

⏱️ 29 minutes

🔗️ Recording | iTunes | RSS

🧾️ Download transcript

Summary

Check out the episode that covers everything you need to know about the job search here: https://www.youtube.com/watch?v=Z46_PadPH2o Vivian gets real about all the financial advice she wishes someone had given her when she graduated college. From credit scores and student loans to negotiating your first salary and understanding retirement accounts, this episode is the crash course every recent grad actually needs before stepping into the real world. In this episode, you'll learn: 1. The financial basics every new grad needs to understand immediately– including credit scores, student loans, budgeting, emergency funds, and why your first salary negotiation matters more than you think. 2. How to tackle debt strategically, build healthy money habits early, and set yourself up for long-term wealth through retirement accounts, investing, and compound interest. 3. Practical advice for navigating the 2026 job market, increasing your income, negotiating job offers, and building financial stability even if you’re still figuring everything out. 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	When I graduated college, I was about to start a job on Wall Street and I couldn't have been more excited.
0:05.0	But despite working in finance, I knew next to nothing about how to manage my own money.
0:09.7	There wasn't a class on credit scores, nobody walked you through what a 401k was, or how compound interest works,
0:16.0	or why the salary you accept at your first job literally follows you for the next decade. We kind of just
0:22.2	got handed a diploma and sent off into the world. But I'm ending that today. Support for the show
0:27.8	comes from Walmart. If you're ready for summer vibes, but don't want to spend a lot, Walmart's got
0:32.7	your back. Right now, Walmart's dropping prices with thousands of rollbacks and more on summer
0:37.3	party essentials,
0:38.6	from grills to coolers and even slushy machines.
0:41.8	So whether you're firing up, cooling down, or just getting ready for a weekend in the sun,
0:46.6	now's your time to save.
0:48.0	Shop and save in the Walmart app online and in stores today.
0:58.3	Music online and in stores today. What's up, everyone?
0:59.6	I'm your host, Vivian 2, aka Your HBFF, and your favorite Wall Street, Gurley.
1:04.3	We're going to go over the financial basics you need to know whether you know your post-graduation plans yet or not.
1:09.8	For anyone looking to level up
1:11.5	their financial foundation, whether you're a student or not, start here. So here's the financial
1:15.9	roadmap I wish I had had when I graduated college. All right. So first step, congrats. You graduated.
1:21.7	Now what? Everyone has to start their financial journey somewhere. So let's figure out how you're
1:26.5	actually doing financially first.
1:28.3	It's like going to the doctor. Before they treat you, they need to know your vitals.
1:32.5	Your financial vitals are a few things. Your credit score, your debts, and your income.
	...

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