Why Women Are Secretly Better at Money According to an Ex-Wall Street Trader

What if your side hustle made you a millionaire—and taught millions of women how to become one too?

In this episode of The Burnouts, Vivian Tu (@Your.RichBFF) joins Phoebe and Sophia to unpack the story behind her Wall Street-to-TikTok glow-up, the money myths that hold women back, and how she’s rewriting financial literacy for a new generation.

Vivian opens up about surviving workplace racism, being your office’s unofficial 401(k) whisperer, and building a media empire that started with one viral video—and became a New York Times bestselling book, a chart-topping podcast, and a full-time career.

She also shares the real talk behind her relationship: who paid more rent, how German cockroaches accidentally fast-tracked her move-in, and why every couple should go on “dessert walks.”

Also: the genius trick to automating your savings without even thinking about it.

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🔍 CHAPTERS
0:00 - Intro

1:02 - Why dating gets harder when women get more successful

4:55 - How to actually budget (no spreadsheets, no shame)

8:00 - What to do with your first paycheck

13:50 - Getting pushed out of Wall Street—and finding a new path

18:20 - When to quit your job for your side hustle

30:55 - Talking about money in relationships (without making it weird)

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Sophia Kianni
Vivian Tu

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📲 Download the Phia app to start saving money

Subscribe to The Burnouts for exclusive interviews with the thinkers, founders, and creatives shaping culture and business today. As former Stanford roommates turned startup co-founders, Phoebe Gates and Sophia Kianni bring rare access and real curiosity to every guest—cutting through the noise to get to what actually matters. It’s not just another founder podcast. This is what building in your 20s really looks like—unscripted, in-progress, and surprisingly honest.