Vivian Tu, known online as Your Rich BFF, is a New York-based personal finance creator and former J.P.
Total Followers +0.4%
8M
Across YouTube, Instagram, TikTok
Primary Platform
YouTube
1.3M followers · 16% of audience
Engagement
5.3%
vs. 1.5% category median
Sponsorship Tier
Mega
Est. $48K–$113K / IG post
Tu earned a spot on Forbes' annual Top Creators list for the third time, recognized for her finance media empire built on short-form financial explainers and expanding business ventures.
Citing up to a thousand DMs a day from followers seeking money advice, Tu built Ask Dolly to serve as an always-on AI financial coach trained on her content.
Published February 3, 2026 via HarperCollins, the personal finance guide became Tu's second consecutive NYT bestseller, following her debut book.
The role formalizes a two-year partnership and tasks Tu with leading multichannel financial literacy content plus a Generational Wealth Fund initiative.
| Window | YouTube | TikTok | Combined | |
|---|---|---|---|---|
| Last 7 days | +0 +0.0% | +19K +0.5% | +0 +0.0% | +19K |
| Last 30 days | +0 +0.0% | +32K +0.8% | +0 +0.0% | +32K |
| Last 90 days | +41K +3.2% | +151K +3.8% | +0 +0.0% | +192K |
| Last 365 days | +41K +3.2% | +151K +3.8% | +0 +0.0% | +192K |
Daily follower snapshots from CreatorDB's longitudinal index.
| Brand | Type | Platform | Date | Performance vs. baseline |
|---|---|---|---|---|
| McDonald's Sponsorship | Sponsored content | YouTube | Jul 2025 | — |
| Morphe Sponsorship | Sponsored content | YouTube | Jul 2025 | — |
| Brooklinen Sponsorship | Sponsored content | YouTube | May 2025 | — |
| Marshalls Sponsorship | Sponsored content | YouTube | Nov 2024 | — |
| SoFi Fintech / Financial Services | Brand ambassador | Long-term | — |
Vivian Tu, known online as Your Rich BFF, is a New York-based personal finance creator and former J.P. Morgan equities trader who built a multi-platform media brand around accessible money management. She broke through during the early pandemic era with short-form TikTok explainers — frank, jargon-free, and grounded in real Wall Street experience — quickly earning back-to-back Forbes Top Creator recognition, a Forbes 30 Under 30 nod, and press placements in The Wall Street Journal, Bloomberg, and The New York Times. Her 2023 book Rich AF and the weekly "Networth and Chill" podcast, now anchored on YouTube, extend the brand well beyond short-form content.
Tu's audience spans a notably wide age range and carries meaningful reach across India, the UK, Mexico, and Indonesia alongside the US — reflecting the global appetite for English-language personal finance guidance delivered without institutional stiffness. Her Chief of Financial Empowerment role at SoFi is the commercial anchor of the brand, while lifestyle partnerships with Brooklinen and Marshalls demonstrate the broader consumer appeal that comes with a personality-first content style. With engagement rates running well above category benchmarks across every platform, Tu holds a durable position at the intersection of finance education and creator-driven media — a profile that remains attractive to both fintech brands and mainstream consumer advertisers.
Yourrichbff reaches its audience primarily through YouTube, and is best activated via long-form YouTube integrations, Instagram Reels and Stories, TikTok branded content. Their sponsorship history skews toward Fintech / Financial Services, a clear signal of fit for brands in those categories. Demonstrated partners include McDonald's and Morphe. Engagement on YouTube runs around 5.3%, which points to an audience better suited to category-relevant, mid-funnel campaigns than to pure-reach buys. The channel's mix of long-form YouTube integrations and Instagram Reels and Stories lets a sponsor choose between short awareness placements and longer, more detailed integrations. Because the audience follows finance content rather than arriving through untargeted reach, sponsorships that match the channel's subject matter tend to convert more efficiently than broad placements. A consistent, on-topic posting focus gives sponsors a predictable, brand-safe environment, lowering placement risk compared with broad, general-interest channels. Campaigns here are best measured on qualified engagement and consideration within the niche rather than on raw impression volume. For brands in Fintech / Financial Services and related categories, Yourrichbff offers a defined, creative-fit audience rather than broad, low-intent impressions.
Benchmark estimates for a creator at Yourrichbff's tier (Mega, 8M combined followers, —). Pulled from CreatorDB's category benchmarks.
The CreatorDB Agency runs end-to-end influencer campaigns globally — shortlisting, outreach, contracting, and performance reporting. Talk to our team about building a campaign around creators in this niche.
Yourrichbff's real name is Vivian Tu. She uses the @yourrichbff handle to brand her content around the concept of having a wealthy, well-connected friend who gives you straight talk about money — something she says most people never get access to.
Yes, Vivian Tu worked as a trader on Wall Street before transitioning into content creation. That real-world trading experience is the foundation of her brand — she positions herself as someone who learned the insider rules of money and is now translating them for everyday people.
Networth and Chill is Vivian Tu's podcast focused on personal finance, investing, and wealth-building, with new episodes dropping every Wednesday on YouTube and major audio platforms. It extends her short-form social content into longer, more in-depth conversations about money topics her audience actually faces.
Vivian Tu holds the official title of Chief of Financial Empowerment at SoFi, the personal finance and investing platform. It is a named brand partnership that goes beyond a typical sponsorship, aligning her mission of financial literacy with SoFi's product ecosystem.
Yes, Vivian Tu was named to Forbes 30 Under 30 in 2023. She also appeared on Forbes' Top Creators list in both 2022 and 2023, making her one of very few finance creators to earn recognition across both the business journalism and creator economy sides of the Forbes brand.
Yes, Vivian Tu has been featured in the New York Times, Bloomberg, CNBC, and the Wall Street Journal. That level of mainstream financial media coverage is unusual for a social media creator and reinforces her credibility beyond the influencer space.
The Wall St Girly label is a deliberate rebrand of finance content — it nods to her genuine Wall Street trading background while making money talk feel approachable rather than intimidating, especially for younger women who have historically been excluded from traditional financial media. It is one of the more recognizable personal branding choices in the creator finance space.
Yes, Vivian Tu authored Rich AF: The Winning Money Mindset That Will Change Your Life, which translates her social media financial advice into a longer-form guide aimed at younger readers who want straightforward, jargon-free money guidance. The book follows the same accessible tone as her video content.
Recent brand partners on her YouTube channel include McDonald's, Morphe, Brooklinen, and Marshalls. The mix of mainstream consumer brands alongside her finance-focused content shows her crossover appeal — sponsors are clearly betting on her broad, highly engaged audience rather than a narrow finance-only demographic.
Vivian Tu is active across YouTube, TikTok, and Instagram, with millions of followers on each platform individually. Her combined reach puts her firmly in the Mega-creator tier, making her one of the most widely followed personal finance voices across all major social platforms.
Stats (followers, engagement, audience demographics, growth) are pulled live from the CreatorDB API covering YouTube, Instagram and TikTok. Bio and FAQ content is AI-assisted; news items are sourced from cited public press at generation time. Read the full methodology →
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@yourrichbff · YouTube
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