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"You get to Harvard, the rich kids still don't wanna be friends with you. Why not? Because you can't afford to split the table at the club on Friday night." - Vivian Tu

Vivian Tu pulls back the curtain on something most people never talk about: why hard work and even elite credentials aren't enough to build real wealth. She walks through the brutal reality of class barriers with stories from Wall Street, where they literally have different names for people who are technically good at their jobs versus those who were born knowing which fork to use. The Harvard example hits hard because it exposes how even at the peak of merit-based achievement, you can still be locked out of the rooms where wealth actually happens. Not because you're not smart enough or didn't work hard enough, but because you can't afford to split a dinner bill at the club. She talks about proximity to wealth as learning a completely different language, one that teaches you not just who to know but how deals get discussed, how real wealth presents itself, and the tiny cultural signals that separate people who grew up with money from those performing wealth.

What makes this conversation valuable is how practical Vivian gets about navigating these realities. She explains how her own wealthy friends opened doors to opportunities she never could have accessed otherwise, from US Open tickets on a bank's dime to connecting with the right business managers and accountants. But more than that, she teaches you how to spot the difference between real wealth and fake rich, breaking down the fundamental truth that people with actual money aren't trying to impress you. This isn't about becoming bitter or cynical about class barriers. It's about understanding the game well enough to play it smarter, recognizing that the path to wealth exists for anyone but looks completely different depending on where you start and who you learn from along the way.

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