Networth and Chill with Your Rich BFF

Vivian is breaking down the real cost of hustle culture and why working harder doesn’t always mean making more money. From the DoorDash orders and Ubers that come with an overpacked schedule to burnout, income volatility, and missed career opportunities, this episode explores how the grind can quietly start costing you more than it’s making you.

In this episode, Vivian covers:

1. The hidden financial costs of hustle culture, why juggling multiple side gigs can sometimes hurt your long-term earning potential, and how to tell when working more is no longer worth it

2. Why Gen Z is rejecting the traditional grind through trends like quiet quitting and the “soft life,” and what they might actually be getting right about productivity, ambition, and burnout

3. How to build wealth without sacrificing your entire life, from negotiating for more money at your current job to putting your savings, investments, and retirement accounts to work so your money can grow without adding more hours to your schedule

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Think sales isn't your thing? Think again! Whether you're negotiating a raise, pitching investors, or just trying to land your dream job, you're selling something every single day. This week, Vivian sits down with Shelby Sapp, the internet's Sales Queen, who's teaching over 1.6 million followers how to pitch, close, and get paid like a pro.

In this episode, Vivian and Shelby cover:

1. The sales fundamentals: the hardest things to sell, the real difference between door-to-door and high-ticket sales, and how to walk into any room and command respect from the jump

2. Selling yourself: how to pitch yourself at work, network without sounding desperate, handle common pushback, and avoid the mistakes that tank most pitches

3. The closer mindset: busting the biggest sales myths, her rapid-fire money advice on negotiation, financial decisions, and building wealth on your own terms

Check out more from Shelby on IG HERE! And on her website: https://shelbysapp.com/

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Your credit score can make or break your ability to buy a house, rent an apartment, or even land a job, but do you actually know how that three-digit number gets calculated? Vivian breaks down the wild, biased history of credit scoring and gives you the real playbook for building, or rebuilding, a great score.

In this episode, Vivian covers:

1. The history of credit scores, from Mesopotamian debt tablets, to the 1841 Mercantile Agency, to the birth of FICO in 1956, to the anti-discrimination laws that (kind of) fixed things

2. How to actually build credit, secured credit cards, credit-builder loans, rent and utility reporting, becoming an authorized user, and the five factors FICO uses to calculate your score

3. The system's blind spots, and what to do if your score takes an unexpected hit

Interested in checking your credit score? Head to https://www.annualcreditreport.com

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Got a financial question you want answered in a future episode? Email us at podcast@yourrichbff.com
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Should saving money on back-to-school shopping actually be this complicated? This week, Vivian breaks down exactly how to shop smarter this fall, and why the "back-to-school haul" mentality might be quietly draining your bank account.

In this episode, Vivian covers:

1. Why tech is the biggest back-to-school money trap, how trade-in programs and refurbished gadgets can save you hundreds, and the student discounts most people forget even exist.

2. The real cost of college essentials, why paying full price for textbooks is basically a scam, the "wait until you get there" rule for dorm shopping, and how 529 accounts and ESAs can make thousands of dollars in expenses tax-free.

3. What's actually changing with federal student loans in 2026, why timing your FAFSA and your borrowing matters more than people think, and the parent-tested hacks, from bulk-buying supplies to secondhand clothes, that cut costs without cutting corners.

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Got a financial question you want answered in a future episode? Email us at podcast@yourrichbff.com

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Should you rent or buy? Turns out the "adult" thing to do isn't always the smart financial move. This week, Vivian sits down with Amanda Pendleton, Home Trends Expert at Zillow, to break down why the old rules of real estate don't apply anymore, and what actually makes sense for your life instead of your parents' life.

In this episode, Vivian and Amanda cover:

1. Why the "buying means you've made it" mindset is so hard to shake, whether Gen-Z's fears about never owning a home are actually justified, and the cities right now where renters come out ahead financially, even over 30 years.

2. The real questions to ask before you ever open a mortgage calculator, whether "throwing money away on rent" is actually true, and the hidden costs, taxes, insurance, maintenance, HOA fees, that blow up most people's math.

3.What to do if you don't have 20% saved, the down payment assistance programs most first-time buyers don't know exist, and the one piece of conventional real estate wisdom Amanda thinks you should ignore.

Keep up with Amanda at https://www.linkedin.com/in/amanda-pendleton-b0b98056/.

Learn more about Zillow’s BuyAbility calculator https://www.zillow.com/homeloans/buyability/ and try out the rent vs buy calculator https://www.zillow.com/rent-vs-buy-calculator.

Find the Zillow Plan tab https://www.zillow.com/plan.

Follow the podcast on Instagram and TikTok!

Got a financial question you want answered in a future episode? Email us at podcast@yourrichbff.com
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