Networth and Chill with Your Rich BFF

Why does an $8 latte suddenly come with a 20% tip prompt? In this episode, Vivian dives into how tipping in America got so out of hand, who you absolutely have to tip, and when it's totally okay to skip the tip when the iPad swings your way. Plus, what the new "no tax on tips" policy really means for service industry workers. 1. How tipping took over America: European roots, post-Civil War racism, Pullman railcars and hotels, the 1966 tip credit, the $2.13 sub-minimum wage frozen since 1996. 2. Who to tip and how much: 15-25% for sit-down service, a few bucks per service for valets and housekeeping, counter orders and salaried professionals, wedding vendor tipping, tipping etiquette abroad. 3. What's next for tipped workers: budgeting on an unpredictable income, the pros and cons of no tax on tips, bias in tipping, the shift toward service charges and banning the sub-minimum wage. Download Vivian’s financial companion app Ask Dolly) HERE and let us know what you think! Check out Prof G Markets at https://www.youtube.com/@ProfGMarkets Follow the podcast on Instagram and TikTok! Got a financial question you want answered in a future episode? Email us at [email protected]. Learn more about your ad choices. Visit podcastchoices.com/adchoices

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 ! Follow the podcast on Instagram and TikTok! Got a financial question you want answered in a future episode? Email us at [email protected]. Learn more about your ad choices. Visit podcastchoices.com/adchoices

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! Follow the podcast on Instagram and TikTok! Got a financial question you want answered in a future episode? Email us at [email protected] Learn more about your ad choices. Visit podcastchoices.com/adchoices

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 Follow the podcast on Instagram and TikTok! Got a financial question you want answered in a future episode? Email us at [email protected] Learn more about your ad choices. Visit podcastchoices.com/adchoices

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/ Follow the podcast on Instagram and TikTok! Got a financial question you want answered in a future episode? Email us at [email protected] Learn more about your ad choices. Visit podcastchoices.com/adchoices