Trophy Girlfriends, TikTok, And How Gen Z Thinks About Money

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This week, Chelsea sits down with Vivan Tu AKA Your Rich BFF to talk about money on social media, the optics of being "rich," and how Gen Z has completely changed our relationship to work.
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[@candy2325]

I completely curated my Facebook feed to budgeting groups, saving money, recipes and meal planning. I’m hyper focused on paying off debt, saving and cooking meals at home. The groups I joined are super motivating and I learn something new each time I check my feed. I tune out the “noise” of other people and unfollowed shopping websites. So far I’ve paid $1,423.00 towards my car loan and it’s so rewarding to be responsible and see the balance go down. Even though I’m paying down on debt I save 10% of my net pay on fun things too, so I have a healthy balance to live my life too. Great video! 🎉

[@mndough1]

It sounds like you are doing all of the things that will make your plan successful. I wish you all the best of luck as your drive towards your goals.

[@sradhanjalinayak6680]

we are so proud of you girll

[@starsoffyre]

That's some wholesome and realistic stuff. Keep it up!

[@MrsJulietha]

Omg I’m a student and I don’t have debt, Americans scare me, plus I’ve always studied in private schools and even paid them myself working

[@Seen_not_heard]

Same.

[@bcrox335]

Thank you for this upload! As a 30 year old millennial, I'm not too far from these attitudes of the GEN Z girls. I've actually seen some millennials adopting their attitudes when it comes to money in an effort to not feel old and keep up with the times. But as a single mom, who also Lives with two elderly parents, who are on a fixed income, I do not have the luxury of living that carefree TikTok-able life. Deep down inside of course I would love a man to come and pull out his wallet to fund my life, and my families life. But that is not my reality. My reality is putting on scrubs at 5AM to go care for my patients. And then saving and planning for our yearly family vacation. This upload has helped me release some of the guilt and shame behind not being "ThatGirl" who gets flown out and all expense paid trips. It's OK to be practical and build wealth for the future while balancing day-to-day quality of life. Thank you for these episodes, they really encourage me.

[@pr23487]

Bad idea. Men only fund young attractive women. Once you hit a certain Age he will leave you with nothing

[@ashleyrogers1930]

Don't believe the hype Gen Z works several side gigs. Alot of people only post the stay at home girlfriend posts because its trendy but most have a job.

[@ashleyrogers1930]

@@pr23487 Well that's why when that happen they go older. A woman is always young to some man. I know 50 year old women with 70 year old sugar daddies.

[@JordaniRoss]

13:20

[@JordaniRoss]

13:20 13:20 13:20

[@kristinapaxton9686]

I screenshot my desired shopping and leave it for a week or even months until particularly good payday. If I still feel the same then I may purchase it. Also have no fomo- designers are always going to design & produce cool stuff. If you miss this item - then something better will come along. Tech & fashion evolve.

[@mimikiwinize1994]

Same Same, I started doing this as well and I noticed how often I just forget about those things a day or two later.

[@RachelRay]

I love Pinterest for this - cause you still get the shopping kick and by the time treat yourself o' clock comes around I find I don't actually want 99% of it anymore. I even have some cars on there (we bought our last car in car and any upgrade must then also be in cash). True luxury is freedom from debt or worry about bills / bumps in the future. I think that's what most of us really 'want' when we 'aspire to wealth'.

[@paulaooook]

I think millions of us are striking that happy medium. We work a job and we buy something cute for ourselves. The problem is when you spend so much time on TikTok or Instagram that you think that is the ideal or what you're doing is not the norm. Just here to say what you're doing is the norm and.... get off of TikTok.

[@patrickarevalo8889]

Yes! This! 100%

[@iTzDritte]

Wow 10 years. I went back and read the early Tumblr blogs that was the beginning of TFD. You’ve come so far, both in your personal financial journey and in the reach of your ideas!

[@knickknackchaddywack]

I didn’t expect to cry during this episode. Thanks so much to Vivian for being vulnerable and sharing your experiences with your background and family. It really hit home for me.

[@Merstim]

Honestly, I've been struggling with this topic. Not even gen z, but I dont know if I should be aiming for the things I have been in the past. ex: If I want a house, will I be able to afford one? Can I afford one in a place where it has a chance against things like wildfires, earthquakes, etc? With how the political environment, will I be able to stay living in that community even if climate change doesn't challenge my physical safety? there's a lot of "why am I putting in all this effort, hopes, and dreams on path that looks more perilous by the week?". I keep going back and forth between "I need to prepare for the future" and "This is too big for me to handle, I might as well live a good life now if it's going to go to shit 10-15 years"

[@Anonymoose66G]

If you don't live in a house made of paper a tornado or earthquake won't do anything unless it's a very rare strong event ofc.

[@darkstarr984]

I love your attitude as someone who puts the physical and social environment first, before I even look at the financial picture (and has thus determined that my only solution is literally staying put).

[@darkstarr984]

@@Anonymoose66GStrong tornadoes are getting more frequent, and tornadoes in general are getting more frequent in areas where they were rare. But earthquakes are basically unpredictable outside of “they will inevitably happen along faults.”

[@demonderriere5912]

In defense of travelling while you’re young- it’s mostly cause I can’t hike or backpack when I’m old. I won’t have the same stamina or heal as fast or be able to walk as far and do all the crazy adventures abroad when I’m old. Can’t cliffdive or choose more risky activities.

[@barbarasoutas4510]

But you can! I'm old and my kids cant keep up with me. Just take care of your health now.

[@TheErikaShow]

You are BOTH right. You never know what the future may hold for you….I am here for getting it in while you are young. Also….take care of yourself so you can get it in for many years to come. My mother reminds me everyday that retirement should be in your 30s. 🤷🏾‍♀️ I agree with her.

[@davidinwashington]

Former President Bush went skydiving for his 90th birthday. If you take care of your body, you'll be having adventures for decades.

[@ErutaniaRose]

Not everyone is able to have the resources to take care of their health--or they are chronically ill and will only get worse as they age, so they want to do it now before they know they will be too disabled too. It's not always a personal choice or ability. @@barbarasoutas4510

[@ErutaniaRose]

Gods, please. I am still struggling to be able to even work, as a disabled person trying to get an education, and man I wish I could have just been doing my life earlier. I was held back a lot by standard education that did not let me do what I needed to learn at my own pace, and I honestly hope I can make contributions and live a good life before I become even more disabled by my illnesses. @@TheErikaShow

[@CaraMarie13]

I always joke about wanting a rich boyfriend. Will I leave my job because I was dating a rich man? No but do I still want a rich man to take me to some of the places I can't afford? Yes. I feel no shame of on this 😂. Am working at getting the kind of money to get myself there but will I still want someone who can at least keep up financially? Yes.

[@lucentSwallowtail]

I think this conversation would have been helped by drawing the "what is financially rich or not" line earlier on. Thank you, Chelsea for lowering the bar down to 100 million. Also, im glad Viv had the revelation she had in college, but I'm gonna say not all of us had that level of grit and confidence at such an early age. Imposter syndrome is real. Also, we were so young! I find Chelsea sonmuch more relatable

[@MsKateC2K]

I thought the "stay at home gf" trend was mostly an ironic joke. A lot of gen z I know have 10 side gigs doing random jobs or owning small online businesses while still at school

[@ashleyrogers1930]

True! This social media reality is so false. So many Z work alot of side gigs vs millenials who have part time or full time. Thats the only difference, even when we were their age.

[@CH-vm6cq]

Totally a joke. Do they really not know?

[@arthoeinc.3469]

@@ashleyrogers1930 The gig economy rose to prominence when millenials came into working age. Plenty of millenials are gig workers/ have side gigs, to the point where the "gig economy" was associated primarily with millenial workers. Gen Z was too young in 2012 when Uber for example rose to prominence.

[@SHA-3qua]

@@arthoeinc.3469and Uber is a sub minimum wage gig for most people these days

[@ashleyrogers1930]

@@arthoeinc.3469 I know millennials have gig jobs but they also have part time jobs or full time jobs in addition to that. Z work several gig jobs. I think people forget that oldest millennials are 41/42.

[@kickingleaves5122]

You two are my favorite finance girlies!!! I am so appreciative of both you, thanks so much for having her Chelsea!!!

[@scarlitoo16]

This 💯

[@roseshayer4608]

I like Quince because of the 365 day return policy. Leave the tags on until you wear the item out. One time I was cleaning out my closet and hadn't worn one of the shirts I bought, and I returned it without a probkem even though many months had passed.

[@BuyLessJess]

35 y/o millennial here; I’m just trying to stay on the right side of this growing wealth divide. I deleted all social media except KZbin and surprisingly (or not) no longer want things that I don’t need.

[@patrickarevalo8889]

Facts!

[@ldmount]

Wowww fucking mic drop on this episode. One of the best from the financial confessions, hands down. I added Vivian’a pod to my list of must listen! Loved her takes 👏🏻

[@Vanessasweet__]

Omg! Two of my favourite women who love talking about money. This is gonna be an awesome episode!

[@Pink_Torch]

Chelsea, I would love to see a collab with FrugalFitMom. She teaches people how to feed their family on a budget while cooking from scratch. I know you love cooking and I'd love to see this🥰

[@rosaryfitzgerald165]

I love FrugalFitMom soooooo much and I think her videos are invaluable, but I also think about how she basically works full time shopping discounts and cooking from scratch, which is something most people cannot hope to achieve. And the tools she uses are just not practical for average people--her bread machine (that was a wedding gift) is $800. There is a subtle note in her videos that is like 'I was raised poor and I was able to build up this arsenal affordably over time' but doesn't really acknowledge that most people's mom's don't give them giant chest freezers they haven't been using.

[@TH-eb5ro]

She also has an easy, tasty bread recipe which was a lifesaver during the pandemic. My elder mom got very grumpy as she was used to some small town bakery bread.

[@mmps18]

VIVIAN!!!!! Omg, LOVE her channel. She's so brilliant and love her attitude.

[@kellybryant4883]

You’ve gained a ton of wisdom at 29. Keep doing what you’re doing (both of you) and absolutely love your perspectives.

[@fsmnt]

It's so true that what you consume really affects your desire for things. I have curated my subscription on beauty and makeup to creators that I truly believe in. Which also includes being more conscious of what videos I watch.

[@nerdmommy7114]

AHHHHH!!! So happy my two favorite financial gurus are in one video! Great talk!!!

[@haleyha5930]

I thoroughly enjoyed this. Thank you TFD and Your Rich BFF for this conversation!

[@Erepk]

So much to relate to here!!!! Taking a gap year was never an option, not after high school and not after college. I worked hard to land a high paying job after college, while watching others take endless trips and “find themselves” I am now funding a gap year sinking fund in two years to do whatever I want before transitioning to another job. Taking back time and making time to relax is the ultimate luxury, I feel so incredible rich when I make time for my little hot yoga classes

[@kiterafrey]

Saying no more than a Billionaire dollars is being TOO nice. I feel like in most places like 100 million is far far far more than enough as even if you spent 1 million a year that is still 100 years of spending. OMG as I'm typing Chelsea said even 100 mil is too much. Same mindset girl.

[@Anonymoose66G]

30-50 million is too much.

[@kiterafrey]

@@Anonymoose66G I think 20 mil would be q good cap. If the average family is 5 and we assume only one parent works & they have to care for their kuds into adulthood that is 50k a person for 250k a year. Assuming the average age of 80 that would mean even in the worst scenario in which their 3 kids & spouse never stop being dependents they'd still have an average upper middle class salary each for life at 20 mil. No one needs more than that.

[@darkstarr984]

Yeah, my mom calculated it out once that someone frugal could still be comfortable for decades with $2 million. Inflation has been extreme since then but it’s still doable with that amount.

[@k.oseland]

I totally get what she’s talking about at 48:47. My fiance’s parents paid for him to go to a very expensive private college but required him to get an engineering degree. They wanted to make sure he was going to be set up financially for the rest of his life. My parents paid for my rural public state college, I got a lot of scholarships, and was an RA to make it cheaper. I got an English Lit degree because it’s what I enjoyed but I didn’t know what I would do when I graduated. Fast forward 6 years, I make more money than my fiancé as a recruiter for a software company. Yeah I worked my ass off to get here and I work hard to stay here but we ended up in the same place. I remind my father in law about this all the time because truly, in the end, it didn’t matter.

[@noanimezone3149]

How did you get that job?

[@jy_hawk]

Not sure you making more than your fiance proves that his parents were totally wrong. Anyone can make money off any degree but the opportunities are different and the floor is not the same

[@blueflower27]

I’m not sure it’s comparable considering you’re in two different occupations and industries

[@k.oseland]

@@blueflower27 we actually both work in the software industry now

[@breannajoseph2018]

@@jy_hawkthis is what i was about to say. OP talked about just how hard they worked and continue to work to maintain their standing due to lack of a safety net. that’s a world of difference.

[@littlegeo1]

LOVED this and love Vivian! Her content is great and so digestible. I really appreciated the conversation between the two of you. ❤

[@lauren6509]

Gen z girlie here 🙋🏿‍♀️ I'm not delusional like some of my peers. Getting my masters by next spring so hopefully I'll be positioned for a high paying job. A factor many don't think about is responsibilities. I spend my money crazy (caveat: my bills are always paid, I just don't save my money) because I have no kids and I'm young. I feel like if I had more responsibilities I'd be more willing to save instead of brunching every weekend.

[@BuyLessJess]

Ah, to be young and rich.

[@lauren6509]

@@BuyLessJess lol not rich. Just financially irresponsible.

[@stuffinsthegreat]

I'm curious about this, because I have a Gen Z co-worker who has much the same attitude, but like, even as a younger millennial I have way too much Recession-induced trauma to be "irresponsible" with my money?

[@lauren6509]

@@stuffinsthegreat we were traumatized from COVID. When we saw doctors and lawyers at foodbanks and billion dollar companies tanking we had a collective "fuck it" mentality. Money comes and goes is my motto. We do have a "doomer" mindset NGL. Like I said, if I was married or had kids I'd be more fiscally conservative but rn I'm outside 🥳

[@160p2GHz]

I hope you guys got better information on salaries than we did. One of the many issues contributing to student debt for millennial was that we got very incorrect information over what salaries we could expect with degrees, including graduate degrees. I mean like saying what the average is in a field, and then not realizing you get minimum wage the first 5-10 years out (doctors, scientists) plus the fact that wages haven't kept up. I hope it works well for you!

[@floydross9000]

38:52 is a major debate point for those who, as you note, “can always do more.” Thanks for addressing it!

[@Inarre]

Late to the party but i really appreciate Vivian's discussion. Her heartfelt gratitude and appreciation for what she has and wanting to help others is a breath of fresh air in a world of people who make their way through financial struggle and forget the struggle of those around them.

[@celloishsugoi]

Wow, this was one of my favorite episodes. Such great questions from Chelsea and nuanced answers from Vivian on wealth and what it means to be rich. Hope you both collab again future :)

[@Fabdanc]

Wow. This was an amazing TFC. Thank you for bringing this high quality content.

[@PleasantRevolt]

It shouldn’t be a hot take that billionaires shouldn’t exist- I say it loud and proud!!

[@tatimarie8277]

Agreed, it’s a level of money that no one ever needs. If your first 100 million didn’t bring you peace another 900 million won’t

[@vessbakalov8958]

@@tatimarie8277 I think this misses the point for many billionaires. Especially first generation. They will never know peace. The drive to create what they created will never let them rest. It may be pathological but it is a fact. It's also true that most spend a tiny portion of their wealth in their lifetime. For most of them - they never see the pile of money in their bank account. It's only ever the value of the business that they built. I almost feel like there needs to be terminology to separate productively invested wealth - especially as founding shares in a business.

[@maloso81]

I am a man and watch channels run by women for financial tips/advice

[@comradejuicer]

There are dozens of us...DOZENS.

[@starsoffyre]

I would have expected a balanced demographic of viewers tbh. This never crossed my mind

[@jonathansilverstein416]

Also man, and I've been binging this channel

[@jackfoster1489]

Yeah, I think there is a fair audience split. Especially on more popular content.

[@Heiwwa]

2024 and the bros are still here. It seems like woman finance vids keep things more realistic

[@AmandaPanda87]

I'll be honest I loved your stuff, but there's something so valuable to traveling when you're younger. The truth is you have so much energy to do so much. I travel now in my late 30's, but there's certainly a different feeling to it. I still love traveling and will probably continue to, but the feeling IS different. There is SOME truth to you're only young once.

[@user-eu3hi2vo3e]

This! It is definitely different. You're more willing to meet others traveling and to do certain things while you're young.

[@katelyndefreitas2810]

I love how you addressed Dave’s “rice and beans” comment. The process is sound but the language is alienating.

[@vulpixelful]

The process is mid

[@thatjillgirl]

@@vulpixelful Yeah, I'm not a fan of Dave's process. It's alright, but it's debt-allergic to the point of error, I think. You can ultimately wind up with more money in the end by making some pretty simple tweaks to his recommendations.

[@katelyndefreitas2810]

@@thatjillgirl you’re right. We used the baby steps and it worked for us we’re debt free so far except our mortgage. But I still do have a credit card, I just pay it off each month. I think the debt snowball was the most sound part of the process and is what really worked for us.

[@joshuemogrovejo9703]

I honestly love watching your show, it helps me understand what I need to do to get my stuff together at 27.

[@Maria_Svetlana_5923]

As a gen z you both helped me improving on money decision as a 20+ what was taught both family and school wise its not indepth more on Gate keeping unlike the financial diet and Rich bff while being a fashion student also young adult for moving to a good life than my family and peers who have bad financial advice, mindset ,methods etc

[@TH-eb5ro]

I have no problem with them not wanting to work or being stay at home anything is fine but not reliable and not a retirement plan. Everything is a legal situation, including marriage and money. You want to learn about compound interest and start as early as possible. Do not stop working without having a plan, a backup plan as in a financial plan. Most women do not leave unhealthy, abusive relationships due to money. Keep this conversation going as there is a reason many women end up in poverty and many children end up in poverty also. Most of us realize this is a harsh upbringing with limited choices. The salesman is not your friend, most of us realize they are promoting but not everyone is as transparent. Scents are subjective. You only hear about those things if that is the sort of thing you follow. I have lived in Asia over 25 years and that mindset is accurate, who am I if we are not okay? Giving money to family is an issue in the US also. Life has changed, we all need a one year emergency fund and to be much more financially savvy regardless of where we come from and education. Many schools are including financial literacy-push for this even younger.

[@catg5105]

Or learn to live with less and be ready to lose everything in the stock market, in a climate change disaster, in a divorce. Having a plan is great but no guarantee so being able to bounce back and live minimally is important too. Not everyone is able to start saving when they're young. You have to have some privilege to have the means to invest. It is a good idea of course.

[@whyamimr]

Super interesting conversation! I've seen a lot of shorts from Vivian and she's always engaging. I would love an inside baseball discussion between you both about what is like to "live" inside the algorithm as a content creator. Vivian had a lot of insight about curating your feed, and the way she talks about this is intuitive to me, but I think not to a lot of people.

[@WithLoveMar]

"I think we all deserve to have rich lives" 😊 That was enriching 💝

[@imptiger8260]

I was the type who got into "a bit of everything" in college - not literally but it sure looked like it because I did a lot of different things seriously. Someone asked how I "did it all" - my answer was "not all at once". Logistically that was the fact, but holistically I find the concept stands outside of college life. There's a time to save, to splurge, to grind, to vacation… usually there's chronological precedence between things, but yeah with moderation I'm able to walk through a lot more doors outside my staple routine

[@pisceanbeauty2503]

This should be a doozy. I think there are positives and negatives to how Gen Z thinks about money, coming from a Millenial. We millennials also have our positives and negatives (imo, a lot not so great, but mostly a reaction to the deal we’ve been given).

[@trishblack2418]

Love this collaboration ❤The best video ever👏🏼👏🏼 well done !

[@carikuna]

My 2 favorite financial experts together in 1 video. 💕💕 thank you for this interview!

[@IshtarNike]

1) It's impossible to work hard enough or smart enough to make a billion dollars in a FAIR way. Either you started on third base or you were insanely lucky. No one works a million times harder than everyone else. No one "deserves" to be a billionaire. 2) Billionaires create poverty by their very existence. It's not possible to accumulate that much wealth without creating more poverty. More poverty than they will ever be able to "solve" through philanthropy or "effective altruism" or whatever the latest grift is. Today's billionaires are proportionally wealthier than any human in history. That's not from hard work or ingenuity, that's from exploitation, purposeful or not. Not just millions of people in your own country but millions more need to suffer and die for rock bottom wages in environmental hell holes to make someone a billionaire. And that's just the direct effects. With climate change there will be even more destruction. Double entry book keeping isn't just a financial thing. When you extract a billion dollars worth of minerals and carbon from the earth that's a debt to nature. It doesn't come from thin air. If working people don't settle the score, mother nature will. It would be better for all of us if we beat her to the punch. Edit: let the record show that Chelsea mentioned the guillotines first ;)

[@please150]

Plot twist, our consumption and consumerism creates them. It’s as much our fault as it is theirs.

[@Sparks95]

great take!

[@catdadmakesmusic]

✋ proud man proud to be listening to TFD on the regular 😸

[@lisapvpv]

Thanks for this amazing collaboration I love her content, and I love your channel too tfd!

[@tacrewgirl]

This was a great interview between two financial faves.

[@jordandaley5238]

LOVE what’s going on over here at TFD & congrats on 1M subs 🤞🏾

[@NarrowShouldersOpenMind]

The most resentful finance channel in the game!

[@RJacquard]

Chelsea! I watch you, and almost all my KZbin/personal growth/finance channels are woman lead! But I totally recognise I’m not the average man in that regard. Hate the patriarchy and toxic masculinity. I truly adore TFD and that it’s female lead. Such wisdom!!!

[@Itallaboutwatithink]

This is the A team of finance. Love both of you.❤❤❤

[@torkgems]

I hope one day America heals from its own misery. We deserve to be happy. Be kind to one another. You never know what they may be going through

[@epbarrera]

Love these 2 brilliant women! Thanks for inspiring and educating us 👏

[@Erica-en2qz]

Whaaaaaat! TFD AND My Rich BFF!! How have the stars aligned for me to be able to experience this?!! I'm so excited for this video!

[@LeahConsuelo]

This is amazing! Thanks so much for this video. New supporter, Rich BFF 🤑

[@Habadacus405]

I cackled at 59:37. They are indeed coming, babe. LMAO. Love Chelsea

[@BlackLeopardPR]

Buying your time back!!!! Vivian hit the nail on the head.

[@Anngrl69]

Loved this episode and am so glad you introduced me to Vivian’s content!

[@coryascott]

Traveling will be a lot more boring at retirement age when I’m less physically capable of adventures

[@jelemil]

Agreed, there needs to be a balance, travelling doesnt have to be $$$ especially when you're young. We cant bank on being able-bodied in retirement or even that we'll live to see it ❤ nothing is guarunteed. But we'll defo have more 'needs' and 'musts' in older age too.

[@thatjillgirl]

Well, yes and no. It will be a different kind of travel. There are places I want to visit/trips I want to take that I am deliberately putting off until later in my life, because I think I will still reasonably be able to enjoy them even if I'm not very physically fit. There are other trips that I'm trying to prioritize now while I know I can physically do what they require. Neither is better or worse than the other, just different.

[@farahng2867]

I’ve gone on cruises with my boomer parents and I can confirm you that old people aren’t taking boring vacays 😂 Take care of your knees and you can keep having fun.

[@kendrickf-d6695]

I really appreciate this narrative and who it comes from. When this message is delivered from a man. It seams that he is met with a perception of weakness and feminism, when its nothing more then financial literacy.

[@_BASIC_INSTINCT]

42:20 for most first generation low income immigrant children what she said here clarifies ALOT. it's really the root of all of it

[@twocancan]

12:08 I disagree with this point. Due to global warming, there are certain destinations that are quickly getting destroyed such as the Great Ice Sheet in Greenland or Venice's canals. The time to travel is now, and those destinations will not be there forever and ever 57:30 This phenomenon is described in Matthew Desmond's book "Poverty by America." Wealthy people should not be allowed to secede from the public. The act of rich people retreating into their gated communities fuels the rise of poverty and ghettos

[@CashMoneyReckadz]

The Colab I’ve been DYING to see! I love watching both you and Vivian!!

[@ivanpadilla4479]

46:40 I admire Chelsea for acknowledging she has a chip on her shoulder. When TFD shifted from personal finance to society and culture impact I checked out a little bit. I care about the impact of money, I just had to get my things in order first.

[@NarrowShouldersOpenMind]

She is a toxic, embittered, jealous person. Doesn’t make all of her arguments wrong, but she is dysfunctional and should not be on the internet talking.

[@OhsoWoobie]

Are we just going to skim over how she got her FIRST JOB as a Wall Street stock trader???

[@caryn1158]

I started treating friends and family to be nice on occasion and now it's expected to the point that I feel abused... Not sure that rich doesn't mean that you should be paying for ppl or exploited... Very hard to correct that behavior once established... The oh she makes money so she can pay or oh I don't owe her or I make less... The boundaries are hard I just don't see or avoid those ppl

[@j_bubblez279]

As long as it's specified before you go to restaurant, that yr only paying for yourself, it's a lot easier to hold the boundary because you can choose to still go to the meal or not.

[@mountainbeachviews]

This is one of my favorite videos. Thank you for this.

[@kuebby]

10:00 what she's talking about, losing your agency like that is really important, and you really don't realize until you're committed. I'm not female so that wasn't my life, but I had a gig for several years in my 20s that had similarities. And even though I had control, I started to feel that loss of agency because my income was tied to such a small number of people and was by definition unstable. I was able to translate it into something more real but I see how you can get trapped in that.

[@elsadapcher8346]

The irony of your Quince ad in the middle of discussing promotions and endorsements on social media...

[@sarahwbs]

And she states in the ad read that she is now going to spend some of her own money there, implying that she was gifted the blouse and earrings. *Immediately* after stating that she doesn't accept gifts.

[@AisteOsinskyte]

I mean, they mentioned ben&jerry's as a moral brand, even though it supports Russian agression against Ukraine and is also owned by Unilever, a huge corporation, so yeah..

[@pandabear4014]

1) The add coming in during that part of the convo is NOT ironic, it’s timely. 2) Perhaps you don’t know: TFD makes most of their revenue from sponsorships/adds. There is ALWAYS a sponsor on Financial Confessions, this is their business model. 3) B & J has tried to be a “better” company. Are they perfect, no. Enough with the gate keeping. You can make the point that ONE of the original founders of B&J has come out in support of x,y,z if you feel that strongly about it. I happen to agree his position is absurd. Do you think the factory workers at B&J have anything to do with that? There is such a thing as nuance, and striving to constantly be/do better. Binary thinking helps no one. Are you not exhausted by the “culture wars”?

[@thatjillgirl]

She means her personal social media. TFD has always run ads, sponsorships, endorsements, etc. It's her personal accounts that she avoids promoting brands on.

[@Deci_Bella]

I just thought it was ironic considering just how badly it shows sweat. That was so distracting to look at!

[@matthewmelange]

28:20 I like how your guest declares if they got free stuff from a sponsor but you don’t.

[@sululuxelife]

I screamed when I saw vivianne!! My rich bff ❤❤❤❤ yassss 🎉🎉🎉

[@Nikitaiesha]

Love love love Vivian! Such a great podcast

[@musicmoviestrailers1]

Dear editor: what would you think about more reaction/response shots to make it seem like more of an interaction rather than just one person talking for a bit and then the other person talking a bit. love the video! Content is 👌🏽

[@witekzak]

Man here ✌🏻 Thank you for the episode!

[@TH-eb5ro]

Starbucks placement. Irony of an ad when talking about to not be pulled in by influencers ads.

[@JauntyCrepe]

I really think I stay at home girlfriend move is only for influencers. But as someone who had to stay at home, mother suddenly thrust into the workforce after her husband of 20 years died, I never want to be taken care of by anyone else.

[@Runningmaster2025]

Great conversation and thought provoking points! However, i HIGHLY diaagree Chelsea: A lot more men watch your valuable content more than you think, me being one them and as a fan too! I have been suggesting for awhile now to include more men -related issues and more men guests. This will dramatically increase viewer base and patreon members to TFD

[@BirthofVenus1]

10:35 Sustainable is a key word. We’re all living longer and we have to figure out how we can keep making an income over 60+ years, rather than previous generations’ 35-40 year careers. The inherent nature of the problem requires us to approach it differently.

[@-R2-D2]

I think that what people don't realize is that you can still travel and enjoy life when you're older. If you don't do anything for your future now, you might have to work harder later in life when your're not that physically able anymore and you have health issues. And you have no savings because you spent all your money yoloing in your youth. But hey, we're all watching this video so it's nice that we're all becoming more financially literate 😊

[@pbthefirst630]

Chelsea saying “I am not a child of immigrants” was an unexpected send 😂

[@imberrysandy]

Congrats on your 10th year of writing!!❤❤

[@gingerspice5336]

I don't understand this preoccupation with capping rich people's income (and I'm someone who lived way below poverty line until age 14, & still lives paycheck to paycheck). Don't waste your intellectual ability on such questions. Instead, use your time to meditate on the solutions to the growing wealth gap! Does it not have a great deal to do with national central banking practices & failed legislative policies??

[@Speakup117]

That are run by whom...? Ah yes, the poor's. 😵‍💫

[@kents.2866]

I can't work 14 hours a day and I'm 35

[@sarapaquette9061]

sorry this guest is kind of cringy to listen to. i cant really believe that this trickle down economics policy she keeps essentially referencing is actually working even on this small scale. Pretty out of touch, like just a lot of comforting herself and the audience that its totally ok to hoard wealth if you like... list a non profit or two in your will. Could not believe the moment she mentioned setting up boundaries in the same breath as helping her family, then goes on to keep talking about how being rich is positive and having vacation homes or retiring at 30 is relatable. Chelsea's final word about wealth horders and guillotines was a fun way to bring it down to earth tho, thanks for that.

[@abolishpolice5232]

when she said "I think people are afraid of the word 'rich'" I laughed out loud, like obviously this woman is primarily driven by a desire to avoid any ethical examination of wealth that isn't ultra-wealth.

[@vulpixelful]

This take is very _selective_ compared to what she actually said. For one, "trickle down" is passive, and based on "the free market", which is obviously not what she's talking about.

[@thatjillgirl]

"Retiring at 30 is relatable" is not what she said. That's very much taking it out of context. She said one person's version of "rich" may be to retire at 30 *and live in an AirStream* (an obvious reference to those FIRE people who quit their jobs to live in a van--they're "retired" young but not living especially glamorously), whereas someone else's version may be that they work until their 60s but they're able to retire with more luxuries. And she's right: Most of us *do* want to be some version of "rich." Wealth-hoarding is one thing, but I don't know anyone who doesn't dream of being in a financial position of always being able to meet their needs without worrying about it. Which comes right back to the point that "rich" means different things to different people.

[@abolishpolice5232]

@@vulpixelful actually when she talks about giving to charity, THAT is also trickle-down. There is not a single social issue helped by people sitting on their money and only giving away what they feel like they can comfortably afford to give to a 501(c)3

[@abolishpolice5232]

@@thatjillgirl given the vast majority of workers will never EVER be able to save enough money to retire in ANY capacity, I beg of u to have some goddamn sense lol. she said that someone with 1 million dollars is closer to being homeless than being a billionaire, which is true. What she didn't say is that the average person these days needs over a million dollars in savings in order to retire (remember how expensive healthcare is). So, WE are closer to being homeless than ever being able to retire.

[@lauramis789]

My two favorite creators talking to each other and I’m somehow only finding it 5 months later???

[@jchow5966]

I lobe it when she says “you guyses”. Lol. ☮️💟

[@delilaha]

I like to remind myself of what Hannibal Lector said in Silence of the Lambs, "We begin by coveting what we see every day." Obviously the context is different (😅), but limit your focus to what really matters to you and your goals. This will help you cut out the envy and desire to keep up with the Jones' and YOLOing your way into crippling debt and massive anxiety.

[@plappin]

Generational wealth can also be considered your family's values, which supported and motivated you. Even trust-fund babies aren't guaranteed that, which is why so many are unpleasant people to interact with and lead unhappy lives, though with plenty of nice stuff. Recognizing that might help to lighten the chip on your respective shoulders--not a criticism, I get it (and sometimes share it).

[@marinapardogranillo3886]

I am so afraid of the word rich, this is resonating with me in so many ways...

[@NewDaySensoryShop]

It's funny because I always thought being rich meant that you could pay your mortgage on time every month and go out to eat like 1 or twice a month. Those people that had homes and sweaters and decor for Christmas, they were rich... as an adult, I still don't have all that yet, but I found out that is middle class, who knew.

[@interlocution6619]

You can't cap how much someone can have because inflation and cost of living will increase and eventually what is excessive now won't be enough. When I was a child $10 per hour could pay rent or mortgage, all the bills, and send your kids to college. Now it won't pay the rent on a 1 bedroom apartment. 20k in 1980 was life changing. If we set limits, then eventually those who are able to save will reach that cap and become poor because that cap won't increase with the cost of living. We've seen this just in the last 20 years, with the rise in housing and education costs and disproportion of stagnant minimum wages.

[@izaebele]

Great point.. I feel like setting caps would do little (if anything) to change the systems that create such inequality

[@josefplatil]

Greetings from one of the men watching your channel: is there a reason why Vivan is blurred the whole interview?

[@LiamRappaport]

I know it's a couple of boring white men, but I think The Money Guy Show is the best financial channel on YT at the moment. They have solid financial advice, guides, information, and videos on a myriad of subjects ranging from budgeting, to estate planning, tax loss harvesting, dollar cost averaging, etc. Might look into having one of them on the channel for TFC.

[@Natalie_11188]

I like them. They are funny and relatable.

[@randomsarcasm2022]

They're much more relatable than David Ramsey in regards to student loans, building a high networth, etc.

[@ErutaniaRose]

Honestly I don't care about tiktok stuff. Sure some of it is cute, but I have my own style and try to make stuff or support local artists.

[@Happytobealive-max]

If you don’t want Bezos to be a billionaire, don’t shop on Amazon. A lot of the people against wealth inequality use the services provided by rich folks. Billionaires are rich because they started a business that benefitted others. Also not to mention Amazons’ rise benefits every American because it ended up boosting their retirement savings. Mind you, bezos made you richer without you having to do anything

[@patrickarevalo8889]

Missing the point.

[@scrimblo7019]

what happens when Amazon crushes any chance of competition and were left with nothing but amazon. also thats not how an economy works, a guy doesn't get 200 billion dollars from nothing.

[@RestedTÖST]

I would advise the young to live your life like your last, don't tie yourself to anyone though marriage. The system is stacked against you so live it up in a way you won't regret. Youth is short.

[@lilytea3]

0:47: 📚 The conversation around money has evolved positively over the years. 6:05: 💼 The speaker discusses the shifting perception around economics and the girl boss era. 11:08: 🤔 Finding a balance between enjoying the present and protecting the future. 16:54: ! The video discusses the influence of aspirational content on spending habits, particularly for young women. 22:34: 📺 The video discusses the potential issues with influencers whose personal and professional lives are closely intertwined. 28:32: 👚 The KZbinr is impressed with the quality and affordability of Quince clothing. 34:26: 💼 Setting boundaries is important when financially supporting family members. 40:09: 🎥 The speaker discusses the challenges of being a creator and the need to constantly stay relevant. 45:37: 💼 The speaker discusses their emotional baggage around money and their desire to prove themselves. 50:54: 😔 The speaker discusses their constant fear of spending too much money despite their increased income and the impact of lived experiences on their approach to life. 57:12: 🤑 The speaker believes that billionaires should not exist and that wealth inequality is a result of billionaires hoarding their money. Recap by Tammy AI

[@michaelstewart1838]

Haha @ 28:32, simply stated, an Ad. Gotta love "aI," don't cha? ᕙ(⇀‸↼‶)ᕗ

[@michellekaiser-eo6lg]

Who has time to study every brand they buy from??? I try, but the idea that you MUST feels very time/money privileged.

[@elizabethnovak8518]

everytime a 30 year old on this channel calls herself old, she should be gently shocked.

[@SPARTAN-KD21]

People tend to forget how far on the young end of the spectrum 30 still is in our “youth” obsessed culture. I’m 32 now and feel healthier than I was at any point in my 20s and still feel every bit as youthful.

[@jumper9108]

30 is old for a female tho

[@elizabethnovak8518]

considering that men die, on average, 6 years younger that women, 30 is actually older for a male. /shrug