From Budgeting to Investing: Your Step-by-Step Guide to Living Rich AF

Ready to take control of your money but not sure where to start? Vivian Tu’s Rich AF is the ultimate playbook for building wealth from the ground up. Here’s how to put her advice into action—one small win at a time.

Step 1: Build a Budget That Reflects Your Values

Choose a budgeting method that fits your lifestyle—whether it’s 50/30/20, zero-based, or something else. Make sure to include your nonnegotiables, so you can enjoy life while staying on track.

Step 2: Create Your Emergency Fund

Set up a high-yield savings account and automate your transfers. Aim for three to six months of expenses, but remember—any amount is better than none.

Step 3: Master Modern Banking

Use multiple accounts to separate spending, bills, and savings. Take advantage of digital tools to avoid fees and track your progress.

Step 4: Start Investing Early

Even small amounts add up thanks to compound interest. Begin with index funds or micro-investing platforms, and stay consistent.

Step 5: Plan for the Long Term

Max out employer matches and learn about Roth accounts for tax-free growth. Don’t forget to update your beneficiaries and consider a simple will.

Step 6: Celebrate Every Milestone

Financial freedom isn’t about perfection—it’s about progress. Celebrate each step, and remember: the journey is just as important as the destination.