In this episode, you’ll learn some of the best financial advice you’ll ever hear - no matter what your financial situation is right now. If getting ahead only seems to be getting harder, and you’re tired of living paycheck to paycheck, you need to hear this: Harder doesn’t have to mean hopeless. Today, Mel sits down with Vivian Tu – CEO and founder of Your Rich BFF and personal finance app Ask Dolly – for a conversation about what to do when you’re over feeling broke, behind, or overwhelmed by money. Vivian has been there, and she knows how hard it is to get ahead right now when everything costs more and your paycheck just doesn’t stretch the way it used to. Her message is simple: You don’t have to be broke forever. In this blunt but compassionate conversation, she’s sharing practical moves that can help you start taking your power back – whether you’re buried in debt, starting with nothing saved, worried you’ll never own a home, behind on retirement, or wondering where to begin. You’ll learn: -Why “just spend less” is bad advice — and the system that works better -The painless way to pay off your debt -How to get the raise you deserve -How to think about retirement when you feel hopelessly behind -The home-buying question most people never ask -How living with your parents is a power move -The beginner investing mistake no one warns you about -The money conversation couples should have much earlier -The mindset shift from feeling powerless to taking control Vivian says money is a tool, and the point of having more of it is power, freedom, and the ability to feel in control again – or maybe for the first time. Life isn’t always fair, and getting ahead right now feels harder than it should, but Vivian says there are still moves you can make. You’re not the problem, but you do get to be the solution. Follow The Mel Robbins Podcast on Instagram: https://www.instagram.com/themelrobbinspodcast I’m just your friend. I am not a licensed therapist, and this podcast is NOT intended as a substitute for the advice of a physician, professional coach, psychotherapist, or other qualified professional. Got it? Good. I’ll see you in the next episode. Verizon: verizon.com — Follow Mel: Instagram: https://www.instagram.com/melrobbins/ TikTok: http://tiktok.com/@melrobbins Facebook: https://www.facebook.com/melrobbins LinkedIn: https://www.linkedin.com/in/melrobbins Website: http://melrobbins.com​ — Sign up for Mel’s newsletter: https://melrob.co/sign-up-newsletter A note from Mel to you, twice a week, sharing simple, practical ways to build the life you want. — Subscribe to Mel’s channel here: https://www.youtube.com/melrobbins​?sub_confirmation=1 — Listen to The Mel Robbins Podcast 🎧 New episodes drop every Monday & Thursday! https://melrob.co/spotify https://melrob.co/applepodcasts https://melrob.co/amazonmusic — Looking for Mel’s books on Amazon? Find them here: The Let Them Theory: https://amzn.to/3IQ21Oe The Let Them Theory Audiobook: https://amzn.to/413SObp The High 5 Habit: https://amzn.to/3fMvfPQ The 5 Second Rule: https://amzn.to/4l54fah