This week, on Brown Ambition Mandi Money is joined by financial educator and “Your Rich BFF” Vivian Tu for a real, unfiltered conversation about money, mistakes, and the financial lessons most of us were never taught. From navigating layoffs and economic uncertainty to unlearning toxic money habits, this episode is a reminder that financial literacy isn’t about perfection it’s about resilience, resourcefulness, and giving yourself grace.

Vivian opens up about her own journey from overspending in her early career to rebuilding her financial foundation and breaks down practical strategies like negotiating your salary, building credit early, and making smarter long-term decisions. She also challenges the pressure of social media comparison, asking the question we all need to sit with: do you actually want it, or do you just want people to see you have it?

Plus, the conversation goes deeper touching on the emotional side of money, the realities of working parenthood, community support, and the truth that even when things look successful on the outside, many of us are still figuring it out in real time. Because at the end of the day, wealth isn’t just about what’s in your account it’s about alignment, honesty, and building a life that actually feels good.

Key Takeaways:

• You can’t always “budget your way out” of systemic or economic hardship
• Financial literacy = being resourceful, not perfect
• Stop spending to impress—start spending with intention
• Build wealth early (credit, negotiation, education planning)
• Community and honesty matter just as much as money
• Everyone is figuring it out—even the people who look like they have it all together

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