7 Money Secrets Rich People Don’t Want You to Know (And How You Can Use Them!)

What if I told you that the rules of money you grew up with aren’t just outdated—they were never meant to help you get rich in the first place? In Vivian Tu’s eye-opening book, Rich AF, she pulls back the curtain on the secret playbook the wealthy have been using for generations. These aren’t just tips about skipping lattes or clipping coupons. Instead, they’re about shifting your entire relationship with money, so you can start living on your own terms.

1. The First Rule: Talk About Money (Even When It’s Uncomfortable)

Wealthy families don’t treat money like a dirty secret. They talk about it at the dinner table, share investment tips with friends, and aren’t afraid to ask for advice. This open dialogue creates a culture of learning and opportunity. For most people, breaking the taboo starts with one brave conversation—maybe with a mentor, a friend, or even a financial advisor. When you ask questions, you start to see possibilities you never knew existed.

2. Mindset Is Everything: Scarcity vs. Abundance

Most of us grow up with a scarcity mindset—believing there’s never enough to go around. The rich, on the other hand, operate from abundance. They know there’s always another opportunity, another deal, another way to grow. This mindset shift is powerful: it encourages you to seek growth, invest in yourself, and collaborate instead of compete. It’s not about being reckless, but about seeing the world as full of possibilities.

3. The Real Cost of Staying Silent

Keeping quiet about money doesn’t protect you—it holds you back. Studies show that people who talk openly about salaries and investments earn more over their lifetimes. Silence breeds ignorance, and ignorance is expensive. Break the silence and you break the cycle.

4. The Power of Negotiation

Rich people never accept the first offer. They negotiate everything—from salaries to credit card rates. Even if you’re nervous, remember: companies expect you to negotiate. The worst they can say is no, and the best could mean thousands of extra dollars in your pocket every year. Prepare your case, know your worth, and don’t be afraid to ask for more.

5. Make Your Money Work for You

Trading hours for dollars is a slow path to wealth. The rich invest in assets—stocks, real estate, businesses—that generate income while they sleep. You don’t need a fortune to start. Even small, consistent investments can grow into something life-changing thanks to compound interest. The key is to start now and stay the course.

6. Build Your Safety Net

Emergencies are inevitable. What sets the wealthy apart is their preparation. An emergency fund isn’t just a buffer—it’s peace of mind. Automate your savings, use high-yield accounts, and keep your safety net separate from spending money. A strong foundation lets you take risks and seize opportunities.

7. Plan for the Future—And Beyond

The rich think in decades, not days. They max out retirement accounts, take advantage of employer matches, and set up wills and trusts to protect their legacy. But generational wealth isn’t just money—it’s the knowledge, habits, and opportunities you pass on. Start building your legacy today, no matter your current balance.

In the end, living Rich AF isn’t about luck or privilege—it’s about learning the rules, breaking the silence, and taking action. Your financial freedom starts the moment you decide to claim it.

Ready to change your life? Start by sharing this blog with a friend and having your first real money conversation tonight.