Your Rich BFF dishes on dopamine spending and the new money minefield, with Vivian Tu
Masters of Scale
WaitWhat
4.6 • 4.4K Ratings
🗓️ 5 March 2026
⏱️ 44 minutes
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Summary
Why does uncertainty make us less rational with money? And who should we trust for financial advice online? Vivian Tu, financial educator and CEO of Your Rich BFF, joins Rapid Response to break down today’s personal finance risks and opportunities, from “lifestyle inflation” and the most common money mistakes smart people make to how Gen Z is navigating 2026 volatility and a shifting job market. Tu also previews her new book Well-Endowed, weighs in on tech stock valuations and prediction markets, and shares the surprising lessons she’s taken from Rihanna. Hear Vivian’s conversation with Bob Safian in this recent episode, first published in the Rapid Response feed.
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Transcript
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| 0:00.8 | Startups grow in unpredictable ways, but your infrastructure shouldn't. |
| 0:04.9 | Deal scales with you from employee one to employee 1,000. |
| 0:08.9 | Deal's real-time payroll engine cuts weeks-long cycles down to minutes, |
| 0:13.2 | and their global experts keep you compliant as you expand. |
| 0:16.5 | Plus, startups can tap into perks like up to $25,000 in deal credits and support programs designed |
| 0:23.0 | specifically for high growth teams. Deal is the fastest way to hire, manage, pay, and equip |
| 0:28.3 | anyone anywhere. Deal, your Forever People platform. Visit D-E-E-E-L.com slash M-O-S to learn more and book a demo. |
| 0:40.0 | On Masters of Scale, we talk a lot about inflection points, those moments when a technology |
| 0:46.0 | stops being optional and starts being fundamental. |
| 0:50.3 | AI presents one of those moments, and behind every breakthrough, whether it's medical research or education or even cinematic visual effects, there's infrastructure most people never see. |
| 1:03.3 | As the essential cloud for AI, core weave is building that foundation. |
| 1:08.4 | It provides a purpose-built AI cloud designed specifically for pioneers at leading |
| 1:13.6 | AI labs and enterprises ready to power the biggest ideas and the boldest ambitions. |
| 1:20.4 | Ready for anything. Ready for AI. To learn more about how CoreWeave powers the world's best AI, |
| 1:26.8 | go to CoreWeave.com slash ready for anything. |
| 1:35.0 | If you don't think you're going to be able to afford a home or you don't think you're going to be able to go on that actual vacation you want, it becomes like the STA louder lipstick index of, |
| 1:45.7 | oh, well, I can't afford a new TV, so I'm going to go to the drugstore and get myself a little |
| 1:49.9 | lipstick. Or I'm going to dollar dribble for a little coffee. I'm going to do this. I'm going to, |
| 1:54.8 | like, you're spending on things that you will not ultimately derive true happiness out of, true |
| 1:59.6 | pleasure, true joy just to to, like, get a dopamine |
| 2:02.6 | hit. |
| 2:04.4 | When you are in a position of uncertainty, it is more important than ever to have a plan. |
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