In this episode, you’ll learn some of the best financial advice you’ll ever hear - no matter what your financial situation is right now. If getting ahead only seems to be getting harder, and you’re tired of living paycheck to paycheck, you need to hear this: Harder doesn’t have to mean hopeless. Today, Mel sits down with Vivian Tu – bestselling author, and the personal finance educator millions know as Your Rich BFF – for a conversation about what to do when you’re over feeling broke, behind, or overwhelmed by money. Vivian has been there, and she knows how hard it is to get ahead right now when everything costs more and your paycheck just doesn’t stretch the way it used to. Her message is simple: You don’t have to be broke forever. In this blunt but compassionate conversation, she’s sharing practical moves that can help you start taking your power back – whether you’re buried in debt, starting with nothing saved, worried you’ll never own a home, behind on retirement, or wondering where to begin. You’ll learn: -Why “just spend less” is bad advice — and the system that works better -The painless way to pay off your debt -How to get the raise you deserve -How to think about retirement when you feel hopelessly behind -The home-buying question most people never ask -How living with your parents is a power move -The beginner investing mistake no one warns you about -The money conversation couples should have much earlier -The mindset shift from feeling powerless to taking control Vivian says money is a tool, and the point of having more of it is power, freedom, and the ability to feel in control again – or maybe for the first time. Life isn’t always fair, and getting ahead right now feels harder than it should, but Vivian says there are still moves you can make. You’re not the problem, but you do get to be the solution. For more resources related to today’s episode, click here for the podcast episode page. If you liked this episode, listen to this one next: The Science of Making & Breaking Habits: How to Change Your Life in 1 Month. Mel also wants to tell you: Try the 23g protein shot I drink every single morningJoin 2 million readers loving my weekly newsletter - full of tips, tools, and inspirationThe Let Them Theory: read the book everyone’s talking about Watch the episodes on YouTube Connect with me on InstagramFollow the show’s Instagram for clips, behind the scenes, and more Find some daily positivity on my TikTokWant zero ads? Subscribe to SiriusXM Podcasts+ to listen to new episodes ad-freeDisclaimer Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
