32 Money Lessons Every Rich Girl Knows (That You Don’t) | Networth & Chill

Video Description

It's Vivian's birthday and she's giving YOU the gift. Turning 32 means it's time for 32 real life and money lessons. In this episode, you'll learn: 1. Why you should never take advice from anyone you don't want to be, why the harder path isn't always the right one, and the small daily habits that actually move the needle on your finances and your life, way more than grinding on hard mode ever will. 2. Why individualism is quietly making you broke, why you should never take the first salary offer, and how negotiating, not just at work, but in every area of life, is the skill that separates the people who get what they want from the people who leave money on the table. 3. The real lessons about love, friendship breakups, family and money boundaries, and learning to sit with the hard stuff instead of running from it. Plus why rest, spite, and a popsicle in the shower might be the most underrated tools in your arsenal. Follow the podcast on Instagram https://www.instagram.com/networthandchillpod/ and TikTok https://www.tiktok.com/@networthandchill Got a financial question you want answered in a future episode? Email us at [email protected] About Me Your favorite Personal Finance & Investing Creator. Let’s talk about money, career, & getting rich. Learn more about my background in Finance on www.YourRichBFF.com and follow me for more smart money tips. https://www.instagram.com/your.richbff/ https://www.tiktok.com/@yourrichbff https://www.pinterest.com/YourRichBFF/ https://www.instagram.com/networthandchillpod/ 00:00 Intro & Why 32 Lessons 01:05 How Turning 32 Feels & Milestones 02:21 Hard Truths: Life Lessons That Matter 03:32 Rest, Maintenance, and Protecting Your Golden Goose 04:32 Who to Take Advice From 05:36 Overcoming Fear of Perception 06:04 The Power of a Strong Network 06:59 Being Nice vs. Succeeding 07:44 Infrastructure Over Willpower 08:50 Passion, Paydays & Side Hustles 09:13 Love as a Practice 10:09 Friendships, Seasons & Letting Go 10:35 Spending on Experiences vs. Things 11:12 Small Plans = Big Impact 12:12 Unexpected Joys & Smart Spending 13:16 Look It Up: Do Your Research 14:14 Protecting Your Energy & Friend Group 15:46 Spite as Motivation 16:17 Dealing with Sadness & Preparing for Challenges 16:57 Overthinking? Go to Sleep! 17:36 Saying No Without Guilt 17:40 Dream Big—Don’t Settle for Realistic 18:14 Community Over Individualism 18:52 Salary Negotiations 101 19:13 Write it Down or Forget it 19:35 You Get What You Negotiate For 20:02 Embracing Easier Paths & Automation 20:34 Designer Bags Aren’t Investments 21:03 Phone Habits & Productivity 21:27 Setting Family Boundaries with Money 21:48 Social Media Isn’t Real Life 22:04 Time Passes, Start Now! 22:48 Embracing Changing Body & Life 23:28 Money Isn’t Morality—Give Yourself Grace Host: Vivian Tu Producer: Grace Rittenhouse Editor: The Fringe Label