Well Endowed: The Secrets to Strategic Spending, Building a Financial Foundation for You and Your Family, and Creating Lasting Generational Wealth

by Vivian Tu

The next book from the bestselling author of Rich AF.

Genres: Finance, Nonfiction, Personal Finance, Money, Audiobook, Self Help, Business

304 pages, Hardcover

Published February 3, 2026

About the author

Vivian Tu began her career as a J.P. Morgan Equities Trader, where she traded Industrials, Materials, and Energy stocks, as well as Event Driven Special Situations via the Risk Arbitrage team. She then pivoted to become a BuzzFeed Strategy Sales Partner, helping brands execute multi-channel marketing campaigns. She made her first $1M by 27 and is the CEO & Founder of Your Rich BFF Media LLC. She lives in the heart of New York City and is likely chowing down on Scarr’s pizza in the Lower East Side or running (read: briskly walking) down the West Side Highway.

Reviews

[Nina The Wandering Reader · Rating 4 out of 5]

Getting my money up this year (to make up for buying so many freaking books. lol)

[Tay Gibs · Rating 4 out of 5]

4.25/5

*ARC giveaway recipient*

Very approachable for a book on finances. Even without reading her first book on the subject, I don't feel like I missed any critical information starting with this book as someone who has decent financial literacy. I do think more examples of where you could find templates for things like the wills, trusts, and advanced life directives would have been helpful.

[Jessica - How Jessica Reads · Rating 5 out of 5]

Practical and approachable, this would make a great grad gift. Tu is very funny, and simply explains things like making a prenup, planning for kids, creating college savings, setting up trusts, making a will, etc.

I listened to the library audio because I like her voice, but I also plan to mark up the copy I bought and set myself some tasks to do to make sure our finances are in good shape. First on the list: checking in on life insurance term dates and updating our will!

[Alexandria · Rating 4 out of 5]

yeah! I thought it was good! it doesn't go in too much detail, but it gives a nice overall picture and contacts l context..
I was recently asked for more information and this is what I said:
have you ever seen shorts of Vivian aka your Rich BFF? Yeah, so it's that vibe and just gives more information to increase financial literacy to help inform choices- from retirement, estate planning, and kids. I thought it was good. Less of a how to and more of generally this is how it works and what might influence those decisions.

[Mia · Rating 4 out of 5]

4.5. A really good book going ALL of the fundamentals and principles of personal finance. Lots of good reaffirming beliefs. -.5 bc it was more reaffirming, but if you need an intro into these topics in a well spoken, easy to digest way, she is great at making these complicated topics digestible and actionable.

[Elly · Rating 4 out of 5]

I think this book is best for someone in their 20s or just starting out financially. Good review of the basics and helpful from a budgeting in a relationship perspective as well. Though my husband and I knew most of the info we did think it was well done.

[julia jean · Rating 4 out of 5]

I had never heard of Vivian Tu—besides a girl from hs with the same name—until last week when an interview with her for “behind the business” came on my YouTube suggested with the title “you cannot save your way to rich.” Say less. Clicked it & immediately valued her vibe, confidence, & conversation between 2 bipoc women.

while I’m by no means a financial expert, I would consider myself to be knowledgeable of all the things you should do. All the things we hear about financial basics and planning of HYSA, investing, retirement, budgeting, etc. While I know I could learn more, I feel solid in those areas. What I want to know is what’s next. How much do things actually cost? What are my options? How can I grow my wealth? While Tu’s book didn’t have all the answers (& let’s be honest what ever would) it was pretty comprehensive.

I’ve never read her first book but Well Endowed met me where I’m at. From discussing how much fertility treatments can be to different home financing to setting up wills & estates/trusts, Tu explains the what and the how in a way I haven’t really see before. It didn’t go into anything too deeply because things vary for everyone but it covered a wide variety of topics. More breadth than depth, but I feel I have a better understanding of the financial landscape in life.

I audiobooked this and would recommend as her narration is engaging. I definitely think this is a book I’ll return to later in life as I reach milestones and make big decisions!

[Jane · Rating 4 out of 5]

Informative read, super easy to digest despite all the financial jargon. It's very U.S.-specific but has enough general tips that are useful for a Canadian. I hadn't heard of Vivian Tu until this book but will def be following Your Rich BFF now!

[Julie · Rating 2 out of 5]

Not helpful for a mom over 40. Sorry. This is everything I already knew about….. lots of words that say nothing.

[Selena S · Rating 4 out of 5]

3.5 rounding to 4
Def read if you are 22-30. If you know what backdoor IRA/401k means you are too advanced for this book.
Enjoyable to read bc it’s written with her humor and in an approachable way.

[Denisek · Rating 2 out of 5]

The audio version was soooo annoying. She does a weird annoying voice every time she is reading quotes from people. I wanted to throw my iPad every time she did it and it was a lot. This also feels like a book for college people or people with 0 life skills. If this is you then it might be okay but don’t get the audio version. For anyone else I prefer the suze orman books. Especially the women ov 50.

[Santos · Rating 3 out of 5]

The first 10 chapters were pretty basic. I was expecting much more information about estate planning and that didn’t start until chapter 11.

The book is very easy to digest and she has a great way of breaking down concepts so they are clear.

[Skylar Yazum · Rating 4 out of 5]

4⭐️ Definitely felt like a “finance for dummies” book with some nice analogies and references to personal experiences. I especially liked the chapter to-dos that prompted me to actually do something. Not every box was something I could check off, but it was fun to at least think about it or consider ways to implement it in the future. Plus, the additional resources that could be downloaded and her website are sooo helpful.

At points, content felt repetitive, even within a few sentences of eachother. Saying the same thing twice but in different ways does not make it easier to understand, rather it feels annoying like a “hey… you kinda just said that?” I’m not talking in emphasizing a certain topic, rather explaining what something is and how it works by saying the same things multiple times. While of course, this is not for every topic or point made, but it was something that I noticed.

Also, it was hard to fully connect with Viv. It was great that we got her story from childhood experiences to present. We learn that she’s not some born-rich financial professional, but someone who has grown to get where she is today. Although I cannot help but feel conflicted with the tone/writing as it doesn’t feel very “bff”-like. She kind of feels like a rich professor teaching me curriculum in a finance course. In other words, it doesn’t feel like a rich friend holding my hand and trying to help me succeed. I guess I just wish her wealth did not feel so obvious in the way she talks and describes certain things. I presume the model of “rich bff” is to help those who are.. well, not rich. So, if I’m feeling low financially, I love that my rich bff is trying to help teach me, but I don’t love that it’s very clear we live very different lives. Especially with the examples of paying for your low income friends dinners but hoping for something in exchange (they’d jump to give you a cute dress???? that was weird), and for letting a friend stay at your home but being upset when he starts sending you money every night rather than a bottle of wine that would have just felt like a nice gesture. Those just rubbed me the wrong way.

[Laura · Rating 5 out of 5]

How I wish a book like 𝐖𝐞𝐥𝐥 𝐄𝐧𝐝𝐨𝐰𝐞𝐝 had existed decades ago, when I was a young adult making big, life-shaping decisions. Written with true subject-matter mastery and incredible wit, Vivian Tu delivers a clear, approachable roadmap - not just to building a solid financial foundation, but to creating real generational security and wealth.

Vivian thoughtfully tackles the topics that actually matter across a lifetime: buying a car and a home, partnering and kids, retirement and estate planning, and even the ultimate end we all meet. It’s packed with knowledge, practical considerations, and actionable steps, making it feel less like a finance book and more like a guide you can return to again and again. If you want to really lock in the fundamentals, reading this alongside her earlier book 𝐑𝐢𝐜𝐡 𝐀𝐅 is a powerful combination.

What truly sets this book apart is Vivian’s voice. Her writing is 𝙨𝙝𝙖𝙧𝙥, 𝙚𝙣𝙜𝙖𝙜𝙞𝙣𝙜, 𝙖𝙣𝙙 𝙜𝙚𝙣𝙪𝙞𝙣𝙚𝙡𝙮 𝙛𝙪𝙣𝙣𝙮, which makes complex or intimidating financial topics feel understandable and absorbable rather than overwhelming. She has a rare talent for breaking things down without dumbing them down.

If you’re someone who wants clarity, confidence, and a true roadmap for your financial life - and beyond - this book is absolutely worth your time. Highly recommend.

Special thanks to NetGalley and William Marrow for the gifted copy

[Jquick99 · Rating 1 out of 5]

Didn’t know who the author was when I got the audiobook from the library.

I was initially put off during the introduction because the author refers to herself several times in the third person. Who does she think she is? MacArthur?

The author has a very sing song-y way of speaking, with voice inflection in the middle of a sentence.

I am very financially savvy, and always interested in finding books where the author is trying to educate. I mildly recommend this book if you are someone who needs financial education. This book is also for someone who is easily influenced regarding shopping and/or thinks of shopping as a hobby and/or fun activity.

I didn’t finish most of the book and pretty much stopped listening after the buying a car chapter, where she uses the example of buying a $30k car at 11% interest which leads to an $800 a month car payments. She should have informed that if your credit is so bad that your loan is 11%, you need to NOT buy a new car (and is $800/mo considered an acceptable monthly payment?) and work on increasing your credit score. She does say a car loan should be NO more than 10% of monthly pay (I assume net), so bad credit person brings home at least $96k.

Minus 1 * for attention seeking title.

[Alicia James · Rating 4 out of 5]

I’ll start by saying I’m a loyal Vivian Tu fan , I followed her as Your Rich BFF long before this book, so picking this up was a no-brainer, and I was not disappointed.

Overall this is a solid, well-written book that is easy to read and even easier to digest. Vivian has a way of breaking down financial concepts without making you feel overwhelmed, and I genuinely appreciate that she meets people where they are in life rather than where we wish we were. That’s actually what I love most about her approach , it’s grounded in reality.

Now, full transparency : I’m in my forties, so a good portion of this I already knew or aware of. The sections on insurance, wills, estate planning, and financial planning kept me most engaged just because of where I am in my own life journey. Some of the earlier foundational content I breezed through, but I can absolutely see how impactful it would be for someone just getting started.

This book is really geared toward that 18 to 30 year old crowd who is building their financial foundation from scratch, and for that audience I think it is genuinely excellent. Strong recommend if you are in that stage of life and want something approachable, honest, and actually useful.

[Christine · Rating 5 out of 5]

Thank you to the publisher and NetGalley for an early copy of this book! Below is my honest review.

I've seen many of Vivian Tu's Instagram reels, so I'm familiar with her personality. This book is exactly how she talks, which makes it very easy for most people to understand. Instead of having fancy jargon, she makes everything super easy to understand and super engaging. The last thing anyone wants when reading a non-fiction book is a boring narrator! And I love how she adds a touch of cultural perspective in there. I grew up with immigrant parents too, so everything that she writes resonates with me. Financial life choices can be overwhelming, but Vivian does a great job pointing out which ones are most important to make and which ones could have a bit more flexibility. I highly recommend anyone, especially those who are in their 20s, to pick this up! Even if you're in your 60s or older, there are choices that you can make now that might make your life easier in the future (when it comes to money).

[Gretchen Harriman · Rating 5 out of 5]

I pre-ordered a copy of this book, because I thought it would be a perfect addition to our family resources for our quarterly financial meetings. It is an interesting book to pair with a Dave Ramsey book, because it gives a fresh and completely different generational perspective. The chatty, hip approach to personal finance makes this book accessible to a younger generation and makes for a fun read, despite the topic of finances.

I was surprised by the information Vivian shared about marketing techniques and personal well being as part
of approaching finance. She also didn’t deep dive on social media marketing, which I found fascinating. Her approach, to financial decision-making directly relates to relationships—a fresh perspective.

This book is a solid overview for approaching personal finance, and it should be essential reading for all young adults, especially those entering starting careers, or entering into relationships and partnerships. Great food for thought, and great action steps at the end of each chapter. This a must read as far as personal finance is concerned!

[PixieART · Rating 4 out of 5]

Thank you to NetGally for my copy of Well Endowed by Vivian Tu.

I wanted this book because I enjoyed her podcast "Your rich BFF". I haven't caught every episode but I've been listening to her for years.

I can see and feel her personality come through in her writing which is what you want because the book does give that energy that this is advice you would hear from a friend.

I recommend this book for someone about to go though major life changes. Turning 18 and have to do your bills & taxes yourself, about to buy a car, or a home, trying to decide on moving for a job, having a baby, saving for retirement or about to retire.

If you would call up a friend and be like, " What should we do?", you can read what Vivian has to say. For that reason I recommend this to be a first financial book for your family but not the only one. She touches a little bit of everything and so there no time to deep dive and teach everything there is on any one topic.

[Sierra Havens · Rating 4 out of 5]

Well Endowed reads exactly like one of Vivian Tu’s Instagram reels, which makes it incredibly engaging and easy to follow.

She writes the way she speaks, breaking down financial concepts without jargon and keeping everything approachable. I also appreciated the cultural perspective woven throughout. As someone who is Hispanic, a lot of her insights around money, family expectations, and financial decision-making really resonated with me.

While there are a few references to her first book, this still works as a standalone if you already know the basics of personal finance. Overall, this is an informative and empowering read, especially for readers in their 20s and 30s, though there’s something valuable here for any stage of life.

Thank you to the publisher and NetGalley for this ARC. All opinions are my own.

[Helen Wu ✨ · Rating 5 out of 5]

4.5 rounded up

I’ve been following Vivian’s videos on YouTube for a while, so I was excited to read this. I find her book genuinely helpful—especially since navigating medical plans and retirement planning can feel overwhelming. It’s packed with practical guidance on everything from buying cars and houses to writing wills, making donations, and choosing insurance. I think it can be overwhelming if you try to read the whole book in one go. It’s more helpful to jump to the chapters that are most relevant to you at the moment. For me, a well-planned life equals peace of mind, and this book is a great companion on that journey. Highly recommend.

Thank you Netgalley and William Morrow for the ARC!

[Jen O'Brien · Rating 4 out of 5]

Thanks to HarperCollins for the ARC!

I’ve followed Vivian on social media for a while now, and I’ve now read both her books! While her first one covered the basics, this one got more in depth on bigger life moments and different financial accounts for success. I learned a lot more from this one, and enjoy how she writes like her tiktok sound. It makes it a lot more fun than reading a finance textbook!

There’s a few references to content from her first book, but if you know the basics of personal finance and investing you’ll be able to pick this one up without having read the other and learn about different options for retirement, trusts and insurance, as well as life events like buying a car or house or getting married.

[Alexandria · Rating 5 out of 5]

Loved it! I read Rich AF last month and while I am still working on some of the aspects described in that book and not yet at the stage for some of the situations she goes through in this book, it’s extremely helpful to get an overview at this point in my life. (I realized that even if I had a down payment for a home and a location where I want to live, I’m definitely not ready to be a homeowner quite yet!) As a child-free person who will be staying that way, I even enjoyed the section about planning for kids because it reaffirmed my decision not to have them!

With these kinds of books I enjoy doing an initial read and/or listen, highlighting things to come back to, and then going through my physical copy to make more detailed notes.

[Rahdika K · Rating 4 out of 5]

3.5 rounded up to 4.

If you are already following the author on Instagram, this book is somewhat similar to the infos presented there, catchy and bite sized information with bullet point summary towards the end of each chapter.

I think this book makes a good introduction regarding financial matters. If you are new to this realm, this will be an excellent book. The writing and language is simple.

Though some of the stuff here might not be applicable for someone outside of US.

I particularly liked the chapters on consumerism, buying a car and regarding pets. The final few chapters were rather interesting and enlightening.

Overall, an accessible read on financial matters.

Review copy courtesy of Times Reads.

[ts_review · Rating 3 out of 5]

The best thing about Well Endowed isn't the financial content of the book, which at times feels overly simplistic and left me wanting more, but in the author's ability to make readers feel empowered to change and reflect on their financial habits.

Vivian Tu does not shame you for not knowing how to play the financial-literacy game. And I appreciate that and I think that's where her book leaves the most impact with readers.

4 stars for not shaming her audience + 2 stars for content because there were moments it felt less strategy and more "here's a chunky paragraph-long glossary of key terms" = 3 stars overall

Would love to see a third book where she talks more in-depth about financing end-of-life care, will, estates, and living trusts.

[Penelope Bloom · Rating 5 out of 5]

I am quite a fan of Vivian Tu and have been for a while. I've read her first book and followed her on various internet forums for a while and she never fails to give spot on information presented in an informative and accessible manner. This is also not your average "get rich" book because of its focus on legacy and building wealth for future generations, which many resources do not focus on as much in depth. I love her honesty and transparency - it's refreshing and deeply useful. She also seems incredibly non-judgmental, which is crucial when you are talking about something SO potentially sensitive and high stakes.

Also, love the title. Love a pun.

[Tiffany · Rating 4 out of 5]

This book is a no-nonsense, practical guidebook for adulting. The author gives a roadmap of how to do the basics - buy a car, a home, negotiating the big purchases and coming up with a plan for retirement. Her advice is easy to understand, as she lays out the what-if's that we should be contemplating when managing our money and future. This book is perfect for a young, fresh-out-of-college adult that needs financial guidance, or an older adult that needs a refresher on making smart money decisions.

Thank you to the author, Vivian Tu, William Morrow | Harper Wave, and NetGalley, for the opportunity to read this book as an eARC in exchange for an honest review.

[Shannon Cilento · Rating 4 out of 5]

⭐️⭐️⭐️⭐️ 4/5

Vivian has a really approachable and comfortable way of explaining personal finance — it’s why she became so popular on social media and continues to grow her popularity through other media, including books.

I did t read her first book, but I’ve read similar ones by Katie Gatti-Tassin and Tori Dunlap, and I feel that Vivian’s are a nice complement and not duplicative. This book dives into practical areas of finances such as retirement, insurance, estate planning, etc. without making the reader feel overwhelmed.

Thank you to Harper Collins and NetGalley for providing me with an ARC in exchange for my honest review.

[Josmin Khatun Liss · Rating 4 out of 5]

This is a great follow up to her first book on all the finance things people should know to have their life set up to be as financially successful as possible. Maybe I know more than I thought or maybe me being 38 years old, married for 10 years with a kid and a house makes me not the key audience for this book so I found myself skipping lots of sections. But if you’re younger and not married yet or new to your career, I think this book could be a great blueprint to how to make key financial decisions in your 20s and early 30s. Def recommend to them, especially on audiobook since it’s narrated by Vivian herself and it feels like taking advice from a friend.

[Megan Lammott · Rating 5 out of 5]

I will now always recommend this book to any woman just beginning her career. Vivian shares practical, actionable insights on best practices and how to tailor them to your own path. I think that too often, women are taught generic financial advice that doesn’t reflect their real-life circumstances (or they aren’t taught financial literacy at all). This book is both educational and engaging, and it never leaves you stuck in a spiral of “woulda coulda shoulda” Instead, it empowers you to start investing and build strong money habits, whether you’re completely new to the space or already have some experience!!