--- description: Find out why Vivian Tu is one of the 100 most influential digital voices of 2025. title: Vivian Tu: TIME100 Creators 2025 image: https://static.time.com/v3/assets/bltea6093859af6183b/blt7ca7a86c3ada547d/6998c81883ec37673dc7abfe/TIME100-Creators-2025-Vivian-Tu-026.jpg?branch=production&width=2400&quality=75&auto=webp&crop=16:9 --- Jul 09, 2025 # Vivian Tu @yourrichbff by [Shannon Carlin](/author/shannon-carlin/) ## Shannon Carlin Update your preferences in [Account Settings](/account/preferences/) Close Carlin is a contributor for TIME.  Robby Klein—IMDb/Getty Images Over the last four years, [Vivian Tu](https://time.com/6958080/women-personal-finance-planning/ "undefined") has built a devoted following as “Your Rich BFF,” demystifying personal finance for the digital age. The former Wall Street trader turned content creator delivers the kind of practical money advice rarely taught in school—whether it’s learning how to [negotiate a medical bill](https://www.tiktok.com/@yourrichbff/video/6934678515409276165?lang=en "undefined") or what to do if [your social security number is compromised](https://www.tiktok.com/@yourrichbff/video/7403369982098148650?lang=en "undefined"). With more than 6 million followers across [TikTok](https://www.tiktok.com/@yourrichbff?lang=en "undefined") and [Instagram](https://www.instagram.com/p/DIeEGkCu-v5/?hl=en "undefined"), Tu offers guidance with the candor, wit, and empathy of a trusted friend. Breaking down complex financial jargon comes naturally to the 31-year-old, who grew up helping her Chinese-speaking parents translate their bills and expenses. Now, as the best-selling author of _Rich AF: The Money Mindset That Will Change Your Life_ and the host of the podcast _Networth and Chill with Your Rich BFF,_ the self-made millionaire is helping lead a new wave of candid financial conversations—with figures like Senator Elizabeth Warren and _Bachelorette_ alum turned real estate entrepreneur Tyler Cameron—to teach younger generations how to save, invest, and budget for the future.  OK McCausland for TIME  OK McCausland for TIME _Data and insights powered by #paid_ Vivian Tu Is on the 2025 TIME100 Creators List ```json [{"@context":"https://schema.org","@type":"Article","@id":"https://time.com/collections/time100-creators-2025/7299182/vivian-tu/","mainEntityOfPage":{"@type":"WebPage","@id":"https://time.com/collections/time100-creators-2025/7299182/vivian-tu/"},"headline":"Vivian Tu","datePublished":"2025-07-09T11:26:52.000Z","dateModified":"2026-03-03T00:50:38.007Z","description":"","url":"https://time.com/collections/time100-creators-2025/7299182/vivian-tu/","keywords":["Social Media","list","franchise","Magazine","Special Project","sponsorshipblock","Accolades"],"thumbnailUrl":"https://static.time.com/v3/assets/bltea6093859af6183b/blt7ca7a86c3ada547d/6998c81883ec37673dc7abfe/TIME100-Creators-2025-Vivian-Tu-026.jpg?branch=production&width=1200&quality=75&auto=webp&crop=1200:675&height=675","author":[{"@type":"Person","name":"Shannon Carlin","jobTitle":"Carlin is a contributor for TIME.","url":"https://time.com/author/shannon-carlin/"}],"creator":"Shannon Carlin","articleSection":"","image":[{"@type":"ImageObject","url":"https://static.time.com/v3/assets/bltea6093859af6183b/blt7ca7a86c3ada547d/6998c81883ec37673dc7abfe/TIME100-Creators-2025-Vivian-Tu-026.jpg?branch=production&width=1200&quality=75&auto=webp&crop=1200:675&height=675","width":1200,"height":675}],"publisher":{"@type":"Organization","name":"Time","url":"https://time.com/","logo":{"@type":"ImageObject","url":"https://time.com/images/logo.png","width":528,"height":156},"foundingDate":"March 3, 1923","sameAs":["https://www.facebook.com/time","https://www.instagram.com/time/?hl=en","https://twitter.com/time","https://www.pinterest.com/timemagazine"]}},{"@context":"https://schema.org","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"item":{"@id":"https://time.com/collections/time100-creators-2025/7299182/vivian-tu/","name":"Vivian Tu"}}]}] ```