The Journal. Real Talk on Building Wealth: The Journal Live
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Oct 23, 2025 
Vivian Tu, a former Wall Street pro and financial educator for immigrant families, joins Haley Sacks, the fun-loving Mrs. Dow Jones making finance relatable for Millennials, and Brian Kelly, founder of The Points Guy, who shares savvy travel tips. They dive into what it truly means to build wealth versus just getting rich, the role of culture in financial advice, and whether crypto should be a part of your portfolio. Plus, they discuss the modern challenge of balancing personal finances with generational wealth for the next generation.
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Still Paying For Old Warranties
- Brian shared paying for an old AppleCare on a device he no longer owned.
- He used it to warn listeners that many warranties and subscriptions are unnecessary expenses.
Build Wealth For Stability Not Showing Off
- Do prioritize building wealth that creates stability, not just flashy wealth for status.
- Vivian Tu advises saving and holding on to money to design a life from abundance rather than scarcity.
Secure Your Finances Before Funding Others
- Do put your own oxygen mask on first before funding others or children’s accounts.
- Haley Sacks says secure your own retirement and finances before prioritizing generational gifts.