How to Build Wealth from Zero: Lessons from Vivian Tu’s Rich AF

Feeling stuck, overwhelmed, or like you’ll never get ahead? You’re not alone. But the journey to wealth doesn’t start with a windfall—it starts with small, intentional steps. Vivian Tu’s Rich AF is packed with practical advice for anyone ready to take control of their money, no matter their starting point.

Step 1: Set Up a Budget You’ll Actually Stick To

Forget the myth that budgets are about punishment. The best budgets are personalized, flexible, and include the things that bring you joy. Whether you use the 50/30/20 rule, zero-based budgeting, or your own hybrid system, the goal is to give every dollar a job and make room for your nonnegotiables.

Step 2: Build Your Safety Net

Start with an emergency fund—even $500 can make a difference. Use a separate, high-yield savings account and automate transfers. This safety net protects you from life’s surprises and gives you the freedom to take risks when opportunities arise.

Step 3: Master Modern Banking

Open multiple accounts for spending, bills, and savings. Use apps to track your progress and avoid fees. The wealthy use these systems to stay organized and maximize every dollar.

Step 4: Start Investing—Even If It’s Just $10

You don’t need thousands to begin. Index funds and micro-investing apps let you start small and build the habit of investing early. Compound interest is your best friend—give it time to work its magic.

Step 5: Avoid Common Pitfalls

Don’t let fear or perfectionism paralyze you. Everyone makes mistakes. What matters is learning, adapting, and staying consistent. Use your network, ask questions, and don’t be afraid to negotiate for better deals or higher pay.

Step 6: Level Up with Retirement and Legacy Planning

Take advantage of employer retirement matches and learn about Roth accounts for tax-free growth. Even if you’re years away from retirement, start planning now. Estate planning isn’t just for the wealthy—protect your family and your future with a simple will or trust.

Building wealth is a journey, not a destination. Start small, stay curious, and celebrate every milestone. Your future self will thank you.