Dhar Mann
Dhar Mann

How To Become A Millionaire | Vivian Tu

September 28, 2026

AI Summary

5 min read

After her boss mocked her by asking if her cardigan was a kimono, Vivian Tu knew she had to leave her Wall Street job. She was the dutiful Asian daughter who had done everything right—valedictorian, University of Chicago, a role at J.P. Morgan—and the plan was supposed to last 40 years. Instead, she quit with very little savings, broke her lease on a cockroach-infested apartment, and started over at BuzzFeed for less pay. That low point, she says, was the beginning of everything. Today, Tu is a self-made millionaire, a New York Times bestselling author, and the CEO of Your Rich BFF, a financial education platform with over 10 million followers. The central thesis of her conversation with Dhar Mann is that money is not an end in itself but a tool for power, access, and the ability to walk away from bad situations.

The Argument for Money as Power

Continue reading the full summary in the app — free to try.

Read Full Summary →

Free • No credit card required

Listen to Audio Summary Open in App

What you'll learn

  • 1 (01:32) **Vivian Tu Introduction & Her Rock Bottom on Wall Street** - Vivian Tu introduces herself as a former Wall Street trader and CEO of Your Rich BFF. She details the moment she hit rock bottom after her new manager made a racist comment, forcing her to leave her dream job at JPMorgan.
  • 2 (08:11) **Why Making Parents Proud Drove Her Ambition** - Vivian explains the deep-seated motivation behind her drive for success, rooted in watching her immigrant parents struggle and be taken advantage of.
  • 3 (11:46) **The Core Thesis: Power is Taken, Not Given** - Vivian delivers her blunt advice for those who feel judged or stereotyped: life isn't fair, and the primary tool for gaining power and options is money.
  • 4 (14:25) **Why You Must Talk About Money (The Rich Do)** - Vivian dismantles the taboo around discussing finances, revealing that wealthy people talk about money constantly to gain an informational advantage.
  • 5 (20:09) **The "Leave Every Two Years" Rule (Updated)** - Vivian updates the classic career advice of job-hopping every two years, explaining that the current job market has changed the strategy.
  • 6 (22:12) **How to Handle "No Budget" for a Raise** - Vivian provides a direct counter to the classic excuse that there is no money for a raise.
  • 7 (24:00) **The One Smart Financial Move She Made at 22** - Vivian reveals that despite being broke in a tiny apartment, her mentor forced her to max out her 401(k) contributions, which was the single responsible thing she did.

+ Full timestamped outline available in the app

Guests on this episode

Vivian Tu Dhar Mann

Show Notes

Wall Street trader turned self-made multimillionaire, and Your Rich BFF, Vivian Tu sits down with Dhar Mann to reveal the raw, untold truth about money, power, and building wealth from absolute zero.
From surviving blatant corporate microaggressions at JPMorgan and going dead broke after a roach-infested apartment move, to quitting her job and scaling an empire with over 10 million followers, Vivian breaks down the exact blueprint everyday people can use to achieve financial freedom. 
She pulls back the curtain on why keeping secrets about debt ruins relationships, how to negotiate raises even when companies claim there's "no budget," the essential "Four Square" money rules to follow before saying "I do," and why talking openly about wealth is your greatest unfair advantage.

What Happens Next... The Dhar Mann Podcast is the latest venture produced by Dhar Mann Studios. Hosted by Dhar Mann, the NY Times proclaimed "Moral Philosopher" himself, this podcast will invite the audience in on exclusive conversations between Dhar and his high-profile guests so that they can listen to never before told stories of their shocking journeys on their paths to success. Through their challenges Dhar will reveal unknown twists, setbacks, and turning points that almost derailed them - and how instead these moments led to their success. Each episode will highlight never before heard moments that shaped who they are today - and the lessons we all can learn from them.


-Download the Quince app for app-exclusive offers, or go to ⁠https://Quince.com/dhar⁠. Get free shipping on your order and 365-day returns. Now available in Canada and the UK, too.

-Search Whatnot in the App Store, download, and you can start selling right away.


Learn more about your ad choices. Visit podcastchoices.com/adchoices

Dhar Mann

More from this podcast

Dhar Mann →