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She's So Lucky

THIS Is How You Build Generational Wealth ft. Vivian Tu

She's So Lucky

She's So Lucky

Balancedblackgirl, Self-improvement, #Shessolucky, Balancedles, Business, Entrepreneurship, Lesalfred, Education

4.8 • 2.8K Ratings

🗓️ 28 April 2026

⏱️ 62 minutes

🔗️ Recording | iTunes | RSS

🧾️ Download transcript

Summary

#344: In our final episode of the Lucky Girls Invest series, I’m sitting down with Vivian Tu — aka Your Rich BFF — for a conversation that might change how you think about money forever.

From Wall Street to building a multi-platform empire and becoming one of the most trusted voices in personal finance, Vivian has built a career breaking down money in a way that actually lands. And in this episode, she’s not holding anything back.

We get into the real story behind how she built wealth — starting with a formative moment that shaped her entire relationship with money, to the years of building behind the scenes that no one saw, to the mindset shifts that took her from chasing status to building actual financial power.

This isn’t surface-level advice, it’s the conversation behind the conversation, the stuff people don’t usually say out loud about money, ambition, relationships, and what it really takes to create a life that feels rich on your terms.

We talk about the difference between making money and keeping it, why so many people stay stuck in the cycle of looking successful instead of being secure, and how to think about generational wealth in a way that actually lasts.

We also get into the spicy stuff: money in relationships, why you should always have your own account, and the quiet ways people sabotage their financial future without realizing it.

If you’ve ever felt like you’re doing all the right things but still not getting ahead — this episode is your reset.

This episode is for you if…

  • You’ve made money but still feel like you’re not actually building wealth
  • You’re ready to understand the difference between earning vs. keeping vs. growing your money
  • You want to break out of the cycle of spending to look successful and start building a life rooted in freedom, time, and real financial security
  • You’re curious what people actually mean when they say “generational wealth”
  • You’re ready to shift your mindset from chasing opportunities to positioning yourself for them (aka creating your own luck)
  • You’ve ever questioned your relationship with money and want to rewrite the narrative.
  • You’re navigating money in romantic relationships and want to do it with clarity, boundaries, and transparency
  • You want to understand how to invest — not just in the market, but in your life, your energy, and the version of you that actually feels rich


Episode Links:


Sponsors:

  • FP Movement: Visit fpmovement.com to shop their full line of activewear and workout gear.
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  • Opill: Opill is birth control in your control, and you can use code BALANCEDLES for 25% off your first month of Opill at Opill.com.
  • ButcherBox: As an exclusive offer, new listeners can get their choice between chicken breast or top sirloin for a year OR ground beef for life, PLUS $20 off when you go to ButcherBox.com/lucky.
  • Merit Beauty: Right now, Merit Beauty is offering our listeners their Signature Makeup Bag with your first order at meritbeauty.com


Connect with Les:



This episode may contain paid endorsements and advertisements for products and services. Individuals on the show may have a direct, or indirect financial interest in products, or services referred to in this episode.


Produced by Dear Media

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Transcript

Click on a timestamp to play from that location

0:00.0

The following podcast is a dear media production.

0:11.8

All right, lucky girls, this month we are talking all about investing, not just as a financial

0:17.2

strategy, but also as a life strategy, because the theme of this show is all about becoming your luckiest self and doing what you can

0:24.4

to create your own luck and understanding how money works is a critical component of that.

0:30.2

So today's guest is someone who's made a career out of demystifying finance for millions

0:34.0

of people online.

0:35.5

Vivian 2, also known as your rich BFF. Today, she's going to be

0:38.8

our rich BFF in this episode, went from working on Wall Street to becoming one of the internet's

0:43.9

most trusted voices when it comes to investing, money psychology, and building real wealth.

0:48.6

Her second book, Well Endowed, just dropped, and if you've ever wondered what it actually

0:51.9

takes to build generational wealth beyond the buzzwords, this is the conversation for you. Today we're talking about stocks, money mindset,

0:58.7

wealth systems, and what rich people understand about money that the rest of us were never

1:02.3

taught until today. Welcome to the show, Vivian. Thanks for having me. I'm so happy to have

1:07.7

you. We're going to have so much fun. We are. You know, I have seen some recent

1:11.9

interviews with you where you referred to yourself as lucky. I am a lucky girl. Lucky's girl alive.

1:18.0

I would love to hear about some lucky things that have happened for you recently. I mean,

1:20.9

I think luck is essentially being prepared for opportunities when they come your way. I am lucky that I got to

1:29.5

interview Gavin Newsom at South by Southwest, but that came because I had already been doing three

1:36.7

seasons of my podcast. I got a development deal with Amazon, but that's because I worked really

1:43.4

hard on writing my first book

1:44.6

and it made the New York Times bestseller list. A lot of the good things that can happen to you

1:48.8

require you to be prepared to receive them. That said, every single morning, you know, I tell myself,

...

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