Read it alongside
The Your Rich BFF alternative for followers
who want decision-level guidance
Get The 10-Second Money Method to make better financial decisions.
Vivian Tu built Your Rich BFF into one of the largest personal finance brands on social media, breaking down complex money topics for a wide audience.
The 10-Second Money Method is a 25-page decision guide that runs at every individual purchase, regardless of which financial topic you are working on.
Two layers. Your Rich BFF teaches what to know. The method runs at every individual decision.
Your Rich BFF vs Decide Your Money: The comparison
If you are searching for a Your Rich BFF alternative or something similar to Your Rich BFF, this comparison covers the key differences between Your Rich BFF and Decide Your Money, what each does best, and which suits you. We compare format, focus, time investment, and approach side-by-side below.
What Your Rich BFF does brilliantly
Vivian Tu translated personal finance content into a format that reached millions of people who had been turned off by the traditional industry. The clear explanations, the relatability, and the willingness to cover topics other creators avoid have made the brand a serious source of financial literacy for a young audience.
For making personal finance accessible, Your Rich BFF is exceptional. The question is what runs at the moment of each individual purchase, where the daily decisions are made.
What Decide Your Money adds on top
Most people don't have a money problem. They have a decision problem. Hundreds of small decisions, every week, made on autopilot. That is what drains the account by the end of the month, not the salary.
Your Rich BFF is about strategy. The 10-Second Money Method is about the decision before any purchase.
Every purchase is a decision. Every subscription is a decision. Every "yes" at the checkout is a decision. The method is what runs at that exact moment.
“For 25 years I helped companies design the tricks that push you to spend. I won 14 international awards in design, technology and marketing along the way. One day I said enough. Now on your side, everything I learned is yours, condensed into 25 pages and five rules.”
— Enrico Scha, Founder of Decide Your Money
Side by side
| Feature | Your Rich BFF | Decide Your Money |
|---|---|---|
| Format | Social-media-driven content brand | 25-page PDF guide |
| Focus | Financial literacy across many topics | The decision behind each purchase |
| Time investment | Ongoing content consumption | One hour to read, then run forever |
| Author background | Former trader, content creator | 25 years helping companies design the tricks that push you to spend |
| What you get | Videos, posts, courses, book | Five rules, Rate-It matrix, week-one action plan, 9-point bonus track, mobile cheat sheet |
| Tested across | Primarily US context | Three continents, 10 income levels, 15 years |
| Decision support | Knowledge-driven | Built for the moment of each purchase |
Which one is best for you?
Your Rich BFF is best for...
- People new to personal finance who want accessible content
- Anyone who learns through short, social-media-format videos
- Followers who appreciate plain-English explanations
- Those who follow content creators across multiple platforms
Decide Your Money is best for...
- People who reach the end of the month with nothing left
- People who want a method, not another app
- People who spend on autopilot and want to take back control
- People who want one hour, not weeks of reading
Many people use both. They solve different problems at different moments.
The 10-Second Money Method™
Five rules. One system.
Take control of your purchases.
A method so simple it takes 10 seconds. You will stop buying things you regret and start spending only on what genuinely matters to you.
Spend less every month without giving up anything you love.
You will find out exactly where your money is going and keep only what makes you happy. Most people save hundreds a month and do not miss a thing.
Save more than you ever thought you could.
You will build real savings month after month, even if you have never been able to save before. It happens gradually, and you will barely notice the difference in your day-to-day life.
Make your money work for your future.
You will learn a simple, proven approach that historically beats most active investors. No finance knowledge needed. No stock picking. No guessing. Just a few minutes a month.
Stop losing money without realising it.
You will see the seven traps designed to take your money. Once you spot them, you will never fall for them again.
The full method is inside the guide.
The personal finance method that actually works.
Five rules. Plain language. No app required.
Switching from Your Rich BFF? Start with Rule 1, free.
Frequently asked questions
Can I follow Your Rich BFF and use the method?+
Yes. The two operate at different layers.
Does the method replace financial literacy content?+
No. The method gives you the decision filter for the moment of every purchase, regardless of how much financial content you consume.
How long is the guide?+
25 pages, about one hour to read.
Is the method written for the US?+
No. It works in any country.
Will the method change how I learn about money?+
Indirectly, by changing what you do at the moment of every purchase.
What if it does not work for me?+
14-day money-back guarantee, no questions asked.
Is Decide Your Money a good alternative to Your Rich BFF?+
Yes, depending on what you need. Decide Your Money is a 25-page decision guide built around five rules and a 10-second filter applied at every purchase. Your Rich BFF works at a different moment in the spending process. Consider the pros and cons of each before choosing — many people use both.
What are the differences between Your Rich BFF and Decide Your Money?+
Three key differences. Format: Social-media-driven content brand vs 25-page PDF guide. Focus: Financial literacy across many topics vs The decision behind each purchase. Time investment: Ongoing content consumption vs One hour to read, then run forever. The complete side-by-side comparison is in the table above.
Should I use Your Rich BFF or Decide Your Money?+
Many people use both, since they solve different problems at different moments. Use Your Rich BFF for what it does best. Use Decide Your Money as the 10-second decision filter at every purchase, instead of relying only on tracking, planning, or content tools.
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Decide Your Money provides general educational information about financial decision-making behaviour. This is not financial, investment, legal, tax or accounting advice. It does not take into account your personal objectives, financial situation or needs. Decide Your Money is not a licensed Australian Financial Services Licensee. Before acting on any information, consider whether it is appropriate for your circumstances and consult a qualified, licensed adviser in your jurisdiction.
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