Networth and Chill with Your Rich BFF

Vivian dives into the truth about Buy Now, Pay Later services and why splitting a purchase into “four easy payments” might be way more dangerous than it looks. In this episode, she breaks down how companies like Klarna, Afterpay, and Affirm exploded in popularity, why these payment plans are changing the way people shop, and how BNPL can quietly wreck your budget and credit score if you’re not careful.

In this episode, you'll learn:

1. What Buy Now, Pay Later services actually are, how they evolved from old-school layaway programs, and why modern BNPL combines some of the riskiest parts of both layaway and credit cards.

2. Why BNPL can encourage overspending, how multiple small payments create a false sense of affordability, and what happens to your credit score if you miss a payment.

3. Who should and definitely should not use BNPL services, plus Vivian’s preferred alternatives for building credit, managing cash flow, and making purchases without borrowing against your future income.

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In this next installment of "Am I The Asshole? Finance Edition," Vivian is back to sort through the financial disasters you've been too afraid to say out loud, calling out who's actually in the wrong with zero sugarcoating.

In this episode, you'll learn:

1. How to set financial boundaries without blowing up your relationships and how to recognize when someone's counting on you being too uncomfortable to enforce them.

2. What you actually owe people in tangled money situations: think joint purchases that go south, informal loans that never get repaid, and group dynamics where one person is quietly carrying everyone else.

3. How to stop letting guilt, obligation, and "but they're family" override your financial common sense, plus Vivian's takes on when generosity becomes a pattern you need to break.

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Vivian sits down with Danielle Robay, the journalist Forbes called the “Queen of Questions” and host of Question Everything and Reese’s Book Club podcast, for a conversation about the underrated skill that can change your career, relationships, and life: knowing how to ask good questions. From networking and career pivots to money conversations and personal growth, Danielle breaks down why curiosity might be one of the most valuable assets you can build.

In this episode, you'll learn:

1. What makes someone a genuinely great conversationalist, how to ask questions that actually lead to meaningful answers, and the networking mistakes most people don’t realize they’re making.

2. How to navigate difficult or awkward conversations, from bringing up money with partners and friends to asking smarter questions during interviews, coffee chats, and career transitions.

3. How Danielle defines success beyond financial achievement, the mindset shifts that help people keep growing instead of staying stuck, and why curiosity, connection, and self-awareness matter just as much as ambition.

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Vivian gets candid about how she built Your Rich BFF, what it really took to leave a $625K-a-year job, and the financial strategy behind becoming a full-time entrepreneur. In this episode, she breaks down the realities of betting on yourself in the creator economy, from building a financial runway and managing unpredictable income to navigating imposter syndrome, scaling a business, and knowing when it’s actually time to make the leap.

In this episode, you’ll learn:

1. How Vivian went from posting finance videos after work to building Your Rich BFF into a multimillion-dollar business.

2. What aspiring entrepreneurs need before quitting their jobs, from emergency funds and business plans to cash flow forecasting, tax planning, and diversifying income streams, so you’re not relying on one paycheck.

3. How to survive the emotional and financial realities of entrepreneurship, including managing risk, avoiding lifestyle inflation, handling imposter syndrome, and building a business that can actually sustain you long term.

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Got a financial question you want answered in a future episode? Email us at [email protected]

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Vivian is back by popular demand with another round of “Am I The Asshole? Finance Edition,” where she dives into your messiest money dilemmas and delivers her unfiltered verdict on who’s actually in the wrong. From inheritance drama and relationship debt disasters to wedding expenses, friendship resentment, and family financial guilt trips, this episode proves that money can make even the closest relationships extremely complicated.

In this episode, you'll learn:

1. How to navigate financial boundaries with partners, friends, and family members, including when helping someone financially crosses the line into being taken advantage of.

2. What people actually owe each other in messy money situations, from destination wedding cancellations and shared travel costs to scams, loans, and group expenses that suddenly become awkward.

3. How to protect your own financial future while still showing up for the people you care about, plus Vivian’s honest takes on guilt, entitlement, resentment, and the emotional side of money no one teaches you about.

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Got a financial question you want answered in a future episode? Email us at [email protected]
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