5 ACTUAL Habits of Self-Made Millionaires (NOT CLICKBAIT) | YourRichBFF

It's easy to see rich people as some untouchable group, but the truth is that many of them are just ordinary people. Today, we're going to pull back the curtain and explore what is the "Millionaire Mentality" and how you can apply it into your everyday life.
Out of everything in this video, what did you find most surprising to learn? Comment, subscribe, and like this video for more!
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⭐️ About Me ⭐️
I am Vivian Tu, Your Rich BFF. I started my career as a Wall Street Trader before moving into Tech Business Development. During the pandemic, I was inspired to create financial literacy content to combat faulty advice and help others gain financial freedom.
In less than a year, I've grown a community of over 3M besties across the world. I have been featured as a Top Content Creator of 2022 in Forbes, Bloomberg, MSNBC, the Wall Street Journal and more. And as of this past week, I have been named one of Forbes 30 Under 30 in 2022!
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[@Renee-b5b]

Achieving success requires on the steps you actively take toward it. Accumulating wealth involves cultivating positive habits, such as consistently setting aside money at intervals for robust investments. Financial management, often avoided by many, can later become a haunting issue. My hope is that anyone reading this finds success in their journey!

[@CheriFanizza]

Starting early is the best way of getting ahead to build wealth, investing remains a priority. I learned from my last year's experience, I am able to build a suitable life because I invested early ahead this time.

[@Carolj-p9j]

Controlling my portfolio cost me 7 figure losses in 2022. So, in January 2023 I sought advice from a fiduciary. Through restructuring and diversification with dividend stocks, ETFs, Mutual funds, and REITs, my $1.2M portfolio surged, yielding an annualized gain of 28%.

[@phill-s3s]

I plan to employ the service of an asset-manager this year. I've seen some off social media but wasn't able to get a response. Could you recommend one?

[@Carolj-p9j]

‘Grace Adams Cook’ is the licensed advisor I use. Just research the name, you’d find necessary details to work with a correspondence to set up an appointment.

[@DillonMcgaha9]

It's good you make your own research. and make sure whoever you work with is licensed n verifiable with a repute, this Grace looks the part but i'd do my due diligence. I set up a call, thanks.

[@Mizelipha]

1- earn more instead of save more 2- invest, money can work 24/7, you can't 3- be disciplined, practice delayed gratification (invest early and often instead of splurging early) 4- change your mind: recognize when you fail or when you're wrong, pivot 5- set ambitious goals, make concrete plans on how to achieve your goals

[@sutapachatterjee9527]

Thanks!

[@TnCouponer]

Thank you

[@nostalgicbliss5547]

Good looks

[@lindoskyi]

You mean Earn more to save more?

[@cupidok2768]

Tell me something idk

[@oneillbilder]

One lesson I've learnt from billionaires is to always put your money to work, and diversifying your investments. I'm planning to invest about $30k of my savings in stocks this year, and I hope I make profits.

[@Syndiewndell]

You are right. The best approach I feel is to diversify investments- by spreading investments across different asset classes like bonds, real estate, and international stocks, they can reduce the impact of a market meltdown.

[@DallisonScramosin]

That makes sense. I’ve been using a financial market expert for two years now and I own a six-figure diversified portfolio from investing in stocks. I want to diversify more this year, though.

[@Martina-Alan]

Your advisor must be really good. How I can get in touch? My retirement portfolio's decline is a concern, and I could use some guidance.

[@DallisonScramosin]

Finding financial advisors like Vivian Jean Wilhelm who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.

[@Martina-Alan]

I just looked her up on the web and I would say she really has an impressive background in investing. I will write her an email shortly.

[@jackwillison177]

MillionaireOne lesson I've learnt from millionaires is to always put your money to work no matter how small. Don't get discouraged just because you can "only" invest like $100 per month. It can compound to tremendous wealth over the course of decades. The important thing is that you keep going!

[@vivianlucy141]

My advice for who wants to grow financially this year, invest. Saving is good, but investing elevates your finances. Thanks to my financial advisor, my portfolio is thriving, and I'm proud of last year's decisions.

[@Williamjame444]

Nice. People often underestimate financial advisors' importance. Over 50 years of data reveal that those who work with advisors typically earn more than those who go it alone. I've been fortunate to work with one for 13 years, resulting in a $2 million portfolio.

[@Markscott412]

Your advisor must be really good. How I can get in touch? My retirement portfolio's decline is a concern, and I could use some guidance.

[@Williamjame444]

I'm cautious about giving specific recommendations since everyone's situation varies, but I've worked with "Melissa Elise Robinson" for years and highly recommend her. See if she meets your criteria.

[@Markscott412]

I looked up her name online and found her page. I emailed and made an appointment to talk with her. Thanks for the tip.

[@XOChristianaNicole]

The “earn more vs. save more” really hit home. Thank you.

[@NatashaGibbs-e5o]

I just sold a property in Portland and I'm thinking to put the cash in stocks, I know everyone is saying it’s ripe enough, but Is this a good time to buy stocks? How long until a full recovery? How are other people in the same market raking in over $200k gains with months, I'm really just confused at this point

[@EnriqueCarrasco-z3j]

Yes, a good number of folks are raking in huge 6 figure gains in this downtrend, but such strategies are mostly successfully executed by folks with in depth market knowledge

[@ReginaDominique]

It all depends on how long you're willing to hold for, stocks might likely tank further, but making serious gains in this downtrend wouldn't be a problem if you're a pro.Reason I decided to work closely with an brokerage-adviser ever since the market got really tensed and the pressure became so much(I should be retiring in 17months) so I've had an brokerage-adviser guide me through the chaos, its been 9months and counting and I've made approx. 650K net from all of my holdings.

[@StalinGrabovsky]

How can I participate in this? I sincerely aspire to establish a secure financlal future and am eager to participate. Who is the driving force behind your success?

[@ReginaDominique]

Elisse Laparche Ewing is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.

[@MatheiuOrson]

She appears to be well-educated and well-read. I ran an online search on her name and came across her website; thank you for sharing.

[@stanleyfung5529]

Number 1 is so vital. I tell all my friends, if they want more money, they just need to make more. It sounds insulting, but not spending only goes so far

[@potato1084]

Yhh problem is it’s not available to everyone

[@cxa011500]

@@potato1084 Why do you say that? I think making more is available to everyone who is willing to push themselves.

[@nicholashaines4136]

@@potato1084 go get the bag potato, trust me it's out there if you want it

[@KD-vf6yq]

@@potato1084 I agree with you. They way the medical field in hospitals is set up is not conducive to making more just because you work harder. The CEOs aren’t beholden to this of course but the rest of us are held to a rating system. Even if you score the highest rating at the end of the year, it’s only a 1 percent or half a percent difference higher then a middle rating. There’s no way I could go to my boss and show him a list of things I have done during the year to improve performance , efficiency etc and ask for a larger raise than what the corporation has already decided to “set” for its employees. Not every job field functions the same.

[@cupidok2768]

Still not after doing all this

[@aravindappat]

1. Make more money 2. Make more free time 3. Delay gratification 4. Accept changes 5. Set ambitious goals

[@DonaldMark-ne7se]

Nobody can become financially successful overnight. They put in background work but we tend to see the finished part. Fear is a dangerous component, hindering us from taking bold steps we need in other to reach our goals. you have to contend with inflation, recession, decisions from the Feds and all. I was able to increase my portfolio by $289k in months. You have to seek for help in the right places.

[@kevinmarten]

I think it's not always about fear, Sometimes realistic factors discourage people from reaching their goals in life. For instance, I've tried investing in the stock market several times but always got discouraged by fluctuations of stock value

[@Jamessmith-12]

The best course of action if you lack market knowledge is to ask a consultant or investing coach for guidance or assistance. Speaking with a consultant helped me stay afloat in the market and grow my portfolio to about 65% since January, even though I know it sounds obvious or generic. I believe that is the most effective way to enter the business at the moment.

[@JacquelinePerrira]

please who is the consultant that assist you with your investment and if you don't mind, how do I get in touch with them?

[@Jamessmith-12]

'Carol Vivian Constable, a highly respected figure in her field. I suggest delving deeper into her credentials, as she possesses extensive experience and serves as a valuable resource for individuals seeking guidance in navigating the financial market.

[@JacquelinePerrira]

She appears to be well-educated and well-read. I ran an online search on her name and came across her website; thank you for sharing.

[@tropicalbreeze-hh3sh]

Wow,I wish somebody told me this 40 years ago. Not everyone has the so called chance because you are a product of your environment and sometimes the environment is toxic. Thank you Bff I’m glad I found you now, I’ll die trying that’s for damn sure. Thank you

[@mahalia_kendrick]

Starting early is the best way of getting ahead to build wealth, investing remains a priority. I learnt from my last year's experience, i am able to build a suitable life because I invested early ahead this time.

[@Jessrobbie]

Hello, I am new when it comes to trading and i would really appreciate if I could get some tips about where it is worth to invest in (ETFs, Stocks, Growth stocks, Dividend stock etc.) and if there's any good broker within Europe. Thanks a lot.

[@mahalia_kendrick]

Britney Cohen Rose A broker you can trust.

[@mahalia_kendrick]

Credentials on internet.

[@mahalia_kendrick]

Just with her name, Britney Cohen Rose.

[@Jessrobbie]

​@@mahalia_kendrickOK noted.

[@tropicalbreeze7508]

Thank you BFF, I appreciate all you do for us out here.

[@ChinaChao]

My immigrant parent's goals were to give my brother and I "better lives". In humbleness we do have better lives, but now my goal for my kids is to be financially independent earlier. We're not there yet but I'm hoping after we can get there that they do it even earlier than us. Goals and still running the marathon.

[@edenrizzo7621]

Could you do a video on first steps that teenagers can make and habits to implement into everyday life? I’m still a teen but I plan to set those ambitious goals and get far in life early. I think a video like that would be very helpful and interesting

[@Geekchica]

I second That request, please! I’m working on teaching my 13 year old daughter about financial literacy. She’s about to become an employee of a property management company we are forming to oversee a triplex investment property we just purchased. I’d like for her to hear more lessons from her Rich BFF and her favorite Will Street Girly, just like I do! Thanks, Vivian!

[@theplaylabchicago]

I was going to ask for tips to teach kids 3-6 too. She’s great! She could do a series. I’d buy it.

[@kerlansullivan]

“Change their minds quickly” wow, I love this.

[@aliciaarroyo6]

Love it! Solid advice. Most of this I am and have been doing. The challenge for me is making more money each year by a significant amount. Right now I am raising kids but I still work part time. Figuring out how to earn more would help out a ton.

[@Freyabates08]

As recession fears mount on Wall Street and inflation remains well above the Fed's 2% target, some of the top commentators in markets, business, and economics have been sounding off on just how bad they think the next downturn might be - and how far stocks may have to fall. I need ideas and advice on what investments to make to set myself up for retirement, my goal is to have a portfolio of at least $850k at the age of 60.

[@laurynhoch8915]

Commodities

[@JMICTHEBRAND.]

You are unique and real and genuine at teaching in your own way perfectly. Finance is really bland and boring to listen in when you want to learn more about it, stocks, creating wealth.. But you are the first person that really is truly your self and isn't boring. Is relatable and honest. That is why you is so great.

[@naomifellizar]

I must say, I love the mr krab painting behind you, you are my best discovery today

[@SnowFamilyVacations]

Damn it for those of us who wanted to work with kids in helping professions 😅 there is no asking for a raise or growing your salary

[@username00009]

You just need to study teachers and social workers in the FI community.

[@bluntlyspeaking8289]

#5 Feels like the sharpest 'zing': Yes, set ambitious goals! Things happened to you relative to the SCALE of how you do them in your life. Yep, I like this one, even though it stings a little!

[@michaelschiemer3]

Building wealth involves developing good habits like regularly putting money away in intervals for solid investments. Financial management is a crucial topic that most tend to shy away from, and ends up haunting them in the near future.Making money is not the same as keeping it there is a reason why investments aren't well taught in schools, the examples you gave are well stationed, the market crisis gave me my first millions, people shy away from hard times, I embrace them.. well at least my advisor does lol.

[@Rachadrian]

Investors should be cautious about their exposure and be wary of new buys, especially during inflation. Such high yields in this recession is only possible under the supervision of a professional or trusted advisor.

[@Jamesbrown1126]

@@Rachadrian Wow, this is excellent! As a beginner, keeping up with all this information can be challenging. How do you stay informed? Are you an experienced investor?

[@Aarrenrhonda3]

I stopped trying to predict market outcomes based on chart studying after 5 years of uncertainty. Not having a mentor caused me 5 years of pain. I learned to follow the market's direction and keep it simple with discipline.

[@SteveEstrada-js9nu]

Please pardon me, who guides you on the process of it all?

[@Aarrenrhonda3]

I won't pretend to know everything, though. Her name is Amber Dawn Brummit but I won't say anything more. Most likely, you can find her basic information online; you are welcome to do further study.

[@javennabellingerlearnsomething]

Thanks for ALWAYS Sharing you are definitely my rich BFF in my head!!!!🙌🏾💯🔥💰 Author of the Learn Something Book Series

[@theCuteStation]

This is one of the most qualities content I found today.

[@jessicarodriguez8946]

Love your channel! Your relatable but offer true valuable information.

[@ToniiAcevedo]

Is it possible to make a video on how you invested your income each year from 2012-2022 and how it made you a millionaire by 27?

[@howardramkissoon2389]

What was your plan , don't have to disclose you real numbers

[@-me-at-laratrader-.-co]

I have a question: why are we not taught this type of financial freedom while in high school? "A few minutes into the video, it learnt me so much.

[@komalakash]

If it was taught in school, everyone would be business owners, It would be impossible to start a business because there would be billions. Nobody would work so nothing could be produced.

[@jelemil]

School produces workers

[@halfhalf656]

And some politicians and their donors have been trying to keep it that way

[@eastmeetswest3330]

How would you tell a person who is super poor to invest? What could they invest in that’s doable? I am on disability and my husband is waiting on his Green card. 😢

[@maril1379]

On your way to one million subs. Important to give to charity

[@rc9006]

I wish somebody taught me about job jumping when I was in my 20's. For some reason, I was under the impression that building solid years in a company is the ideal scenario, not realizing that I can still build solid work experience but would have been in a better salary negotiation if I sought the same opportunity but maybe in a different company. I hope more young people see this channel because it's very practical and really helpful.

[@winniechan384]

oh yeah, from what I know, the biggest salary jump usually occurs when switching companies 😪

[@deenofmean7501]

Because when we were growing up, we were taught to stick it out by people who were “sticking it out” in order to gain the most in their pension funds

[@lala-dee]

That's not always true, if a hiring manager doesn't like job hoppers or see it as lack of commitment every year or so for several years it's more risky for them if they need someone that appears to be more committed and responsible. You should show some improvement in trajectory and show growth first then you have some leverage for good raise or look at other companies after a few years at least.

[@DenzerRodis]

I know wealthy women will carry replicas. They just understand the value of money and don't want to spend too much money on bags, especially fashionable ones *hotdups*

[@hr2079]

Good job girl! Thank you for sharing

[@Patches9427]

What advice could you give to someone who inherited wealth, and wants to preserve it or increase it?

[@idaalmonte253]

Invest!

[@authenticwj7515]

You are right girl. See you at the top

[@reginajohnson6534]

Thank you for making this video! Much appreciated.

[@jeniferjohnson374]

Investing in what? Seems most things are not worth it these days. Real estate, stock market etc

[@shakoomino6127]

The practice of gratification / taking care of future self / being patient is so difficult 😭

[@sonnyecho9195]

I just ❤your channel I learn stuff all the time and I’m an old fogie still working supporting my family and these little nuggets of financial wisdom add up thank you

[@murphyleigh6319]

Thanks Viv! I really love how nuanced your takes are, and specifically, tonight, I think the discussion of those last three points will help push me toward working on a non-financial goal of mine: writing up my argument for why I think the X-Men comics have laid sufficient groundwork to reveal my favorite character to be a closeted trans woman.

[@terryashley4674]

Where have you been all my life? I'm going to retire in less than 90 days. It's too late for me now.

[@enigmathegrayman2953]

Happy retirement! 🎉

[@selflove428]

Fidelity is my 401 Roth in my new job

[@MagneticUnicornVlogs]

Thank you for the tips!! Can't wait to apply them all❤️

[@ejhumphrey5383]

Hey Vivian. Do you have videos on how to achieve those habits? I need help on learning how to truly invest.

[@laura987123]

Ulg the amount of money my ex lost on the "sunk cost fallacy" still infuriates me. The worst part was he did it over and over and would pretend to listen to me when I told him he needed to change course and then just keep digging the hole deeper and deeper. Then when he finally realized it was a lost cause would get angry at me and ask "why didn't you tell me at the time it was a bad idea" F you you a hole I Fing did!!!

[@dimelojose5350]

Really Good and true Great explanation. Your is good and very informative. Keep it going.

[@buntipapu3816]

no everybody can get 300k in 5 years nor the inflation can keep up with everyone getting 300k in five years. This applies only to a few talented induviduals.

[@maril1379]

Key start saving early- on your way to one million subs

[@isagoldfield7393]

Thank You my RBFF for all the wealth of knowledge you’ve shared with us. Happy holidays to you & your family🎄✨🫧🤍⭐️🪅🎁

[@Nikkisowner0]

You did it by the progression of social media theres alot more today than 57 year olds

[@username00009]

I’m pretty sure Viv shared that she made her first million through saving and investing before quitting her job as a stock trader. Social media is her second career.

[@michelleachacoso4983]

Love your channel Vivian!!!

[@pablofonseca13411]

You are cool as heck.. your content is easy to follow

[@ChrisB-mn1yl]

Hi Vivian, can you please name the Vanguard ETF's you gave in one of your previous video shorts. Thank you

[@atidmatabenisrael2779]

most of the 1% of rich people save at least 38% of their money and yea they also take out a loan always but they keep on double it finding ways to double that money each time

[@lala-dee]

Today's job market is different....employers are laying off as needed, even promoted people because they landed ton a project or product that's changing direction. Total comp was a good path to wealth but most employers don't provide big bonus and equity. And employees have less power to ask for % raise these days just because they work harder or moved jobs doing something similar. Glassdoor has market rate and you'll get paid that you are skilled at every at another company.

[@odysseyleisuretravel8194]

How do you achieve this goal if you're just starting at age 54?

[@janetleesteinman9165]

How about 66

[@ponderosapondhomestead4344]

Thanks for sharing this with us. Going to write down a business plan.

[@francesb.5710]

Thanks For All The GREAT Information. 👍🔥🔥

[@idawillis5997]

Awesome!!

[@TerryCollinsP31Lifestyle]

Excellent list presented well. Very cool 😎

[@veronicagraves5621]

Thank you.

[@calloway2117]

i never like a vid unless therez sum that triggerz me. yea, ive watched a few. you trigger it. my big sis never talked to me like this. doin my best to really learn .Have a probate case ending maybe next year and im researchin tryin to find the most productive and viable n4

[@atachardware826]

#DisciplineDelayGratification

[@anthonyzeinoun9906]

Love the content

[@jamestakashiro5660]

I AM FROM TOKYO AND YOU JUST HAVE TO SET YOUR MIND TO I WILL BE RICH AND NOT CHASE MONEY, AND YOU JUST HAVE TO understand MONEY AND THATS NOT SOMETHING THEY TEACH IN SCHOOL, I TELL MY FRIENDS THIS. START INVESTING IS A START.

[@PS29-83]

At 40 years where do you begin investing??

[@gisellamarquez]

Delay gratification but a person can die at any moment and you didn’t enjoy the fruits of your job… it would be know how to Achieve that balance between thinking in the future and living now

[@sherikennedy4117]

great stuff. too bad i did not find this all about 30 yrs ago. staring at retirement and NOT a millionaire...yeah, what are my chances of joining those ranks....hmmmm. you betcha i'm gonna try.

[@Baritocity]

A 50% raise between each job?! I know about half of workers don't even try to negotiate terms, but where do you even work?

[@LeteniPittard]

Thanks

[@Clauds71]

Thanks 😀

[@YouilAushana]

*_"Sunken cost fallacy and money does not equate to intelligence."_*

[@CarlosGonzalez-mr5qz]

You had a video on where to shop for home loans. Can you share that again?

[@CarlosGonzalez-mr5qz]

@YourRichFFF Sure thing right away!

[@manuelaflores6613]

Miss Vivian I wat to invest in royal caribbean where do I create the account I am new in this please if you see my comment please let me know God Bless you !!

[@seewobble7048]

Good, sound advice.

[@marinnisu5665]

Thankyou🙏

[@StyShadow]

I know nothing about investments and stuffs.. how can i make my money work?

[@cherryortega586]

Investiment advice pls

[@moniryousefian8782]

I just watched your short video about side husle n making 600k a year from home could you please share what kind of side husle that can generate this much money or even one third of that ? Greatly appreciated !!!

[@dorothyd2559]

I am watching from the UK. Wow!!! Did you say you were a millionaire by 27?? Do tell.

[@beehappeegee6857]

Hey bff can you make a video for beginners in investing i would love to start im 31😢. But have no idea.

[@hollypark2752]

with the rate of inflation, becoming a millionare is actually more attainable than before...

[@lesparentsdadolescents719]

HOW TO LISTEN THIS BEAUTIFUL VIDEO IN FRENCH PLS?

[@sandysimmer1279]

Yes, as you stated, Millennials and Gen Z went through tough financial times in recent years. But I know quite a few Baby Boomers who have had to support these generations through it all using our hard earned cash, common sense and frugality. Even some from the Silent generation have had to do this, they are great grandparents now! Draining us financially so they can live comfortably. ( Paying for their college, giving them a place to live, paying their bills because they can't find a job, etc. ) Hopefully these generations can take your VERY sound advice and run with it! You are a powerhouse, and a great source of financial advice. You go girl!!!!

[@GMarieWrites]

Let’s state it a little differently - every generation faced tough financial trade winds in the era when they were coming up. I am Gen-X and graduated during a recession and the first Gulf War in the early 1990s. The job markets we had were much different then (e.g., there was no such thing as job hunting online widely) and difficult to navigate. She has a great message except fails by targeting Millenials and GenZ with the suggestion that they’ve had it uniquely tough.

[@zparklezztudioz782]

Can u recommend best risk free investment at 40 ? Thanks ❤

[@mrs.l346]

Where do you go to invest your money? Is there a good legit website for stocks, bonds, savings accounts of any type

[@stevenmichaelmarlowe]

Ha ha ha…I used to do the run to the stop sign too

[@adrianazollo2688]

Yesss

[@mikeparadise5024]

Vivian i need some help with global on line investment

[@cryptomura]

she is beautiful

[@dezmarinvestmentsllc9964]

What are your thoughts on XRP?

[@inheritancecoker4292]

Wow your twenty seven 😮😅😅 you look like your twenty one 😅😂😂 nice video

[@michellecowan2469]

When my father died. I lost everything. I am 57 and am starting over. Need help. I have peanuts in a 401 k and roth...need a plan, and guidence.

[@sherrikins3557]

How long did it take you to make this status?

[@stevensantora2976]

Great video.

[@youshopper8385]

Mr. Krabs!!

[@HausOfAdonis]

I love you

[@jen1838]

I did it at 49

[@rainynight02]

Yeah, sadly, every time I've thought of trying to "upgrade" my career, it bites me in the ass.

[@adrianazollo2688]

Love it

[@robt1748]

Amazing video and thank you for breaking it down!! Despite the economic downturn, I'm so happy 😊I have been earning $ 60,000 returns from my $7,000 investment every 12days.

[@rickybishop8388]

@Manny Torres Consistently investing with proper guidance in quality dividend paying companies is a relatively easy strategy to create wealth. Well I copy trades from daily signals of Benito Revilla as recommended here previously

[@Ruby-nc3wi]

Amazing!!! found Mrs Benito Revilla 2 months ago here also!!! This is so validating hearing you also got her recommendations!!! Yes cheers to be part of her coaching program.

[@jung1043]

I started trading with her recently, $300,000 profit in 4 months and still counting. She is the CRYPTO TRADE QUEEN. I trust.

[@malone7655]

Mrs Benito Revilla is the only one I can leave my investment with and think less about it, she is my money maker. just received 24,300 of my investment last month. am very happy because she is leading me to financial freedom.

[@gregory7875]

@Larina Ava Thank you for dropping her tel, I just wrote Mrs Benito and she responded nicely.

[@justjacqueline2004]

Be aware as young person that the big money earners and where they are,where is important,no good being a brilliant lawyer in a backwater with no major industry to work for.