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3 Things I Wish I Knew When I Was Broke | Vivian Tu | TED
3 Things I Wish I Knew When I Was Broke | Vivian Tu | TED
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0:04
Picture this: you're 22,
0:06
you just moved to New York City, and you’re out at a bar with friends.
0:10
A couple of tequila shots, a lukewarm beer later,
0:14
you go to the bartender to close out your tab.
0:17
But then she says the three scariest words known to man:
0:25
“Your card declined.”
0:28
It feels like everyone in the bar overhears.
0:32
On one particular night out in 2016,
0:35
I had to wait until 12:01
0:38
for the direct deposit from my paycheck to actually hit my bank account
0:42
to be able to pay my bar tab.
0:45
At the time, I was living paycheck to paycheck.
0:48
And if I’m being honest,
0:50
the embarrassment I felt that night would stay with me for years.
0:56
Even though I had a fancy job on Wall Street,
1:00
my personal finances were a mess.
1:03
During the day, I would enact trades on behalf of hedge funds
1:06
worth billions of dollars.
1:08
And at night,
1:10
I would go home and wonder if one more pad thai order
1:13
would set me over the financial edge.
1:17
Sadly, this is not a unique experience.
1:22
Many young people still feel hopelessly lost
1:25
when it comes to our money.
1:28
And this is in part due to the existing financial system.
1:33
Personal finance education is not taught in K-12.
1:37
The past five decades of policy implementation
1:39
has led to a deep divide between the haves and the have-nots,
1:43
and if we're being honest,
1:46
the financial-services industry, as it currently exists,
1:49
is really only set up and incentivized to help,
1:53
well, the already wealthy.
1:56
But here's where the story starts to get really good.
2:00
There has never been a better time to get financially literate
2:05
than right now.
2:06
Knowledge that was once locked behind expensive advisors
2:11
is available at your fingertips.
2:14
10 years after bar night,
2:15
I have become the financial educator I so desperately wish I had had back then.
2:21
I built my career teaching financial literacy,
2:23
like a friend, across social media.
2:26
And as it turns out,
2:28
that boiled-down language and those silly jokes
2:31
and those funny memes,
2:32
they didn't make me any less credible.
2:35
But they sure did make me more understandable.
2:40
What started as just videos on social media has turned into a podcast,
2:45
not one but two books,
2:47
and if all goes according to plan, a full-blown tech startup.
2:51
The financial world has finally opened its doors wide.
2:55
But here are the three things
2:58
I wish I had known to do all those years ago,
3:00
when I was so desperately broke
3:03
and wanted so desperately to be very, very rich.
3:07
One, learn the language.
3:09
The financial language.
3:11
Two, build community around money.
3:15
And three, find modern solutions for modern problems.
3:20
So let's dive into that first point.
3:22
It's safe to say learning finance really is like learning a new language.
3:26
401(k), IRA, 529, FICO, APY, AGI.
3:31
Hello, can someone please help me?
3:36
But my ask of you is really simple.
3:39
Don't be afraid to be smart by looking dumb.
3:44
Ask what the words mean!
3:46
Don't be afraid to utilize resources like Investopedia or NerdWallet.
3:50
And most importantly,
3:52
find a financial mentor that speaks your language.
3:55
Someone who has the industry chops to back up those smarts,
3:59
someone who never promises you anything that's too good to be true,
4:03
and certainly someone
4:04
who never gives you that weird feeling in the pit of your stomach.
4:08
Here are some of the ways that I have connected with people
4:10
looking for financial guidance.
4:13
First off, I nicknamed Jerome Powell "Fed Daddy"
4:16
to explain rates lowering.
4:18
(Video) Fed Daddy just announced we’re lowering interest rates,
4:21
and a lot of people don't even know what that means,
4:24
much less what it means for them.
4:25
Translating headlines into action items.
4:27
(Video) The federal government didn't clock in today, but I did.
4:30
So here's how the government shutdown is going to impact you and your wallet.
4:34
And even breaking down how celebs, like Kendrick Lamar,
4:37
get rich and stay rich.
4:39
(Video) Kendrick Lamar's family dancing in the "Not Like Us" music video
4:42
wasn't just a clapback, it was a genius investment.
4:45
When you understand the language, you understand what matters.
4:49
And the response to turning finance into fun-nance has been incredible.
4:56
And this leads us into our second point.
4:58
While it's on financial educators to meet the next generation
5:01
where and how they already live,
5:04
it's on the next generation to build their own financial community.
5:09
For years, we have been told
5:10
talking about money is rude, tacky, taboo.
5:15
But the last time I checked,
5:18
Bob and Steve seem to have no problem trading investment tips
5:23
as they're teeing off at hole three.
5:26
It turns out, it’s really only a faux pas
5:29
when we do it.
5:31
It's time to change that.
5:33
I, like so many young people,
5:35
clock in daily for a full shift at the looking-at-my-phone factory.
5:41
And whether you spend all of your time scrolling TikTok
5:45
or reading Reddit threads,
5:47
it's clear:
5:48
having conversations around money
5:51
takes the power away from the people up top
5:54
and gives it back to us.
5:57
The internet has led to the creation of spaces like Fishbowl and Glassdoor,
6:01
where people can share true, real numbers, honest struggles
6:05
and genuine victories without shame or judgment.
6:08
And frankly, many of these conversations are still too raw to be had IRL.
6:14
This online anonymity is empowering people to work together,
6:19
with their digital accountabili-buddies,
6:22
to make smarter financial choices.
6:25
And my hope is that, as this generation gets more comfortable
6:29
creating community around money talk,
6:32
the generation after us --
6:34
they're going to grow up seeing money discussed so openly and authentically
6:39
that they will enter adulthood
6:40
with a level of financial confidence
6:43
that their parents could have only dreamed of.
6:46
And speaking of the future, you’ve probably heard the phrase:
6:50
modern problems require modern solutions.
6:52
It's never been more true.
6:54
If I’m not getting a pension like my dad,
6:56
and I can’t make a household’s ends meet on one income like my dad,
7:01
and I certainly don't plan on working the same job for 40 years like my dad,
7:05
why am I taking my dad's financial advice?
7:09
Or worse,
7:11
using my dad's financial advisor?
7:14
My dad doesn't actually look like that, by the way.
7:16
He's going to be so mad if I don't say that.
7:18
Sorry, Dad.
7:19
Robo-advisors are making sophisticated investment strategies
7:23
accessible to everyone.
7:26
Online banks are offering competitive rates
7:28
without the burden of the overhead of brick-and-mortar branches.
7:33
And innovative apps are turning complex financial tasks into simple,
7:38
actionable things that you can do from the palm of your hand.
7:41
These new platforms are just as regulated and licensed,
7:44
and more often than not, they offer lower fees.
7:47
And it’s not just startup hubs or VCs that are taking notice.
7:52
Creators and educators are now turning into founders.
7:56
For my story,
7:57
what started as just content has turned into an app powered by AI --
8:01
working in conjunction with certified human experts,
8:05
to provide guidance in plain English, like a friend,
8:08
and more importantly, continues to educate first and foremost.
8:13
New-age financial brands aren't just a replacement
8:16
for traditional financial services;
8:19
they're purpose-built for the way we live now.
8:23
Designed to help you save smarter, invest easier,
8:26
and build wealth faster than ever before.
8:30
The future of finance isn't coming.
8:32
It's already here and it's working for us.
8:36
So to wrap us up,
8:38
a decade has passed since my horrific bar tab incident,
8:42
and I so desperately wish I could go back in time
8:45
and provide past-Vivian with some of the solutions
8:48
available to today-Vivian now.
8:52
This shift towards financial accessibility isn’t just changing individual lives;
8:56
it's building an ecosystem where everyone has a fair shot
9:00
at prosperity.
9:02
And my dream is that, a decade from now,
9:05
the evolution in financial education will mean:
9:08
there are fewer declined credit cards at bar night,
9:11
a shrinking wealth gap
9:13
and a financial future that is brighter than ever.
9:17
Thank you.
9:18
(Applause)
