Your Rich BFF · Personal Finance · Investing · United States
Former J.P. Morgan trader who runs the personal finance brand Your Rich BFF, author of the books Rich AF and Well Endowed, and founder of the paid finance app Ask Dolly.
Vivian Tu is an American personal finance content creator who publishes under the brand Your Rich BFF. According to Wikipedia, she was born on March 20, 1994, in Baltimore, Maryland, and graduated from the University of Chicago in 2016. FINRA BrokerCheck lists her as registered with J.P. Morgan Securities LLC from August 22, 2016, to July 5, 2018, after passing the Series 7, Series 63 and Securities Trader exams in 2016. She later worked in digital media sales at BuzzFeed, started posting financial videos in 2021 and left BuzzFeed in 2022 to run Your Rich BFF full time.
Her projects include Your Rich BFF (media and education brand), the podcast Networth and Chill, and Ask Dolly, a financial app published on the Apple App Store by Your Rich BFF Inc. In November 2025 SoFi Technologies announced her as its honorary Chief of Financial Empowerment, extending an earlier partnership in which she hosted the YouTube series Richer Lives, according to SoFi's own announcement.
She publishes on TikTok (@yourrichbff, 2.8 million followers), YouTube (Your Rich BFF, 1.29 million subscribers, about 1,700 videos) and Instagram (@your.richbff), plus a free newsletter called enRICHed. Figures were read on September 14, 2026. Her website and SoFi cite a combined community of 8 to 10 million followers; that total is her own figure.
What she sells is not a video course. Her paid offer consists of two books and an app subscription. Rich AF: The Winning Money Mindset That Will Change Your Life (Portfolio, December 26, 2023, 336 pages) covers earning, saving accounts, taxes and investing, with a hardcover list price of $29.00 at Penguin Random House; Wikipedia reports it reached the New York Times bestseller lists. Well Endowed (HarperCollins, February 3, 2026) covers spending decisions around homeownership, marriage and family, listed at $24.00 hardcover, $16.99 e-book and $25.99 digital audiobook on HarperCollins' store. Ask Dolly is free to download, with two App Store subscriptions: Build at $19 per month or $190 per year (unlimited chats with an AI assistant called Pocket Dolly, a portfolio "recipe" and spending insights) and Beyond at $59 per month or $590 per year (adds three conversations per month with a Certified Financial Planner). She also does ticketed live talks at venues such as the Arsht Center in Miami.
On the regulatory side, Ask Dolly is an SEC-registered investment adviser (SEC file 801-134446, CRD 337843) with no disclosures listed on the SEC's Investment Adviser Public Disclosure site, and Vivian Tu (CRD 6672668) is listed as an investment adviser representative with an approved registration in Texas since May 18, 2026. Her BrokerCheck record shows no disclosures (searched on September 14, 2026). Recognition cited by Wikipedia includes Forbes 30 Under 30 and Bankrate's Best Personal Finance Influencer (2024). We did not find an independent source for the "first $1M by 27" claim that appears in her promotional biographies, and we have not confirmed who at Ask Dolly provides the CFP conversations.
Objective facts about their offer, taken from public sources. We don't rate the quality of the programs or the results you may get.
6 official channels
Massive audience
Facts checked on Sep 14, 2026.
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| Program | Type | Published price | Link |
|---|---|---|---|
| Rich AF: The Winning Money Mindset That Will Change Your Life Personal finance book (Portfolio, 2023, 336 pages) on earning, saving, taxes and investing. Hardcover list price at Penguin Random House. | Book | $29 Checked Sep 14, 2026 | View |
| Well Endowed Second book (HarperCollins, February 2026) on spending decisions around homeownership, marriage, family and generational wealth. Hardcover price at HarperCollins; e-book $16.99, digital audiobook $25.99. | Book | $24 Checked Sep 14, 2026 | View |
| Ask Dolly Build Monthly subscription to the Ask Dolly iOS app: unlimited chats with the Pocket Dolly AI assistant, a personalized portfolio recipe and spending insights. $190 per year on the annual plan. | Other | $19 Checked Sep 14, 2026 | View |
| Ask Dolly Beyond Monthly subscription that includes everything in Build plus three conversations per month with a Certified Financial Planner. $590 per year on the annual plan. | Other | $59 Checked Sep 14, 2026 | View |
Prices are those published by the mentor on the date checked and may change. “Not published” means we couldn't find a public price.
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Vivian Tu, born in Baltimore in 1994 according to Wikipedia, is a University of Chicago graduate. She was a registered representative at J.P. Morgan Securities from 2016 to 2018 per FINRA BrokerCheck, and she now runs the personal finance brand Your Rich BFF on TikTok, YouTube and Instagram.
We found no paid video course on her official site. Her paid products are the books Rich AF (2023) and Well Endowed (2026) and subscriptions to her app Ask Dolly. Her newsletter and podcast are free.
Per the App Store listing checked on September 14, 2026, the app is free to download. Build costs $19/month or $190/year and Beyond costs $59/month or $590/year. Beyond adds three monthly conversations with a Certified Financial Planner.
SEC and FINRA records checked on September 14, 2026 list her as an investment adviser representative of Ask Dolly, an SEC-registered adviser, with Texas registration approved on May 18, 2026. No disclosures appear on her record or the firm's.
On the public record, her books come from Penguin Random House (Portfolio) and HarperCollins, and her BrokerCheck and IAPD records show no disclosures as of September 14, 2026. Her "first $1M by 27" claim has no independent source we could find.
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