You’ve mastered the basics of becoming Rich AF. Your bills are paid, your loans are shrinking, and you’ve even started saving. But what’s next? Every dollar you spend—or don’t spend—is a choice that shapes your future. How do you balance today’s dreams with tomorrow’s security?

In this fun, practical roadmap, Vivian Tu—New York Times bestselling author, financial expert, and the internet’s favorite money bestie—shows you how to strategically spend, directing your cash toward what matters most while positioning yourself to grow real, lasting wealth. This book answers all your burning questions, like:

• Should I rent or buy a home?

• Do I really need a prenup?

• What about my car – do I finance, lease, or buy?

• How much do I actually need to be setting aside for retirement?

• How do I set my kids up with lasting generational wealth without making them lazy and entitled?

• Should I get life insurance? What about pet insurance, or renter’s insurance?

Picking up where her first bestselling book left off, Vivian breaks down the biggest financial decisions of your late twenties, thirties, and beyond—homeownership, marriage, family—and teaches you how to align your spending with your values, your goals, and the legacy you hope to leave. With the insider savvy of a former Wall Street trader and the honesty of your smartest friend, she shows you how to make your money work harder so you can live richer in every sense. Well Endowed goes beyond the basics of personal finance to show you how to accumulate wealth and use it to benefit your most important assets: yourself and your loved ones.

Smart, relatable, and packed with game-changing advice, this is the ultimate guide to leveling up your finances—and your future.