Networth and Chill with Your Rich BFF

IPOs are having a major moment; SpaceX just had the biggest IPO in history, Anthropic and OpenAI are lining up next, and suddenly everyone's throwing this term around like they know what it means. Vivian breaks down what actually happens when a company goes public, whether the hype is ever worth it, and what SpaceX's rollercoaster can teach us about IPO investing.

1. What an IPO actually is: the process of a company going from private to public, why companies choose to do it (cashing out early investors, raising capital for growth, and the marketing splash), and what happens behind the scenes with underwriters, lock-up agreements, and IOIs before shares ever hit the market.

2. Why IPOs have been a losing bet since 2019: peak valuations from the 2020-2021 boom, the Fed's interest rate hikes squeezing growth stocks, and lower-quality companies going public and getting measured against mega-cap winners.

3. Should you actually buy one: how to think about risk (keep it to 2-5% of your portfolio), alternatives like IPO ETFs, and a look at other 2025 IPO stories — Bending Spoons, Shein's years-long path to going public, and the direct listing, SPAC, and reverse merger routes companies take instead.

Download Vivian’s financial companion app, Ask Dolly, HERE !

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Download Ask Dolly in the Apple App Store HERE!

Besties, Vivian has been sitting on a secret and today she's finally spilling it: Ask Dolly, her brand-new app, is officially live in the Apple App Store! Built to treat your money like your annual physical, Ask Dolly diagnoses your financial strengths and weaknesses, answers your toughest money questions, and connects you to real, human Certified Financial Planners. No jargon, no judgment, and no minimum bank balance required.

In this episode, Vivian covers:

1. What Ask Dolly does: tracks your money, savings, and investing progress in one place, delivers personalized investing guidance, and breaks down confusing economic news into something you can actually use.

2. Why Vivian built it: bootstrapped with her own money, no outside investors, born from thousands of BFF DMs asking for real financial guidance she couldn't keep up with one by one.

3. Real BFF questions, answered: estate planning on a budget, Backdoor Roth strategies, navigating a divorce settlement, helping aging parents catch up on retirement, and what actually belongs in a prenup.

Download Ask Dolly today in the Apple App Store (Android coming soon) HERE and let us know what you think!

Plus, keep up with Ask Dolly on Instagram!

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

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

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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