Former Wall Street Trader 'Rich BFF' Reveals Her Prenup Includes a 100% Carve-Out for Her Business: 'It's the Most Loving Thing You Can Do'

Vivian Tu, Your Rich BFF, a former Wall Street trader and financial influencer, isn't just opening up about the usual purse must-haves like lip gloss, socks, or hand sanitizer. She's getting real about something more interesting: her prenuptial.

While going through her purse in a TikTok video, she shares details of her prenuptial with her husband. According to her, they went 50/50 on everything they brought into the marriage and split things evenly during the marriage. Pretty straightforward, right? But here's where it gets interesting: she carved out 100% of the equity in her business.

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Why? Well, she built her "Rich BFF" brand independently, and if they were ever to separate, her reasoning would be: Why should her husband get credit for something that doesn't appear on his résumé? Fair point.

What Exactly is a 100% Equity Carve-Out?

A 100% equity carve-out means someone (in this case, Rich BFF) decides to keep 100% ownership of a specific part of their assets – in this case, her business – while splitting everything else equally. So if things were to go south, all the hard work she's poured into building her business would remain hers alone.

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This type of carve-out can be common in prenups, especially for entrepreneurs or business owners who want to protect the value of something they've built with their blood, sweat, and tears. She's essentially saying, "I built this; I keep this."

Fairness Above All

But the coolest part? She's very upfront about why her prenuptial is structured this way. Her husband was the breadwinner for the first five years of their relationship. He covered more of their vacations, meals, rent – everything. He ensured she never felt "less than" for making less money then, allowing her to save, invest, and put more toward their future.

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Fast forward, and now that she's making more money, she's determined to keep things fair, especially since they're contributing equally to the marriage. It's all about making joint financial decisions that work for their relationship, which, as she puts it, is "the most loving thing you can do."

When it comes to high-net-worth individuals, prenuptial agreements are becoming increasingly common. Sixty-two percent of wealthy individuals have a prenuptial, making it a key tool for protecting their assets. What's driving this trend? It's not just about wealth – prenups offer security, especially for entrepreneurs and those with significant financial stakes, such as business owners like Vivian Tu. Even among millennials, prenups are gaining popularity, with 72% believing they are a smart move. Over the past few years, the overall use of prenups has increased by 62%, signaling a shift toward more practical financial planning in relationships.

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If you're considering a prenuptial, it's always wise to consult a financial advisor or legal professional to ensure it fits your situation. Whether you're protecting a business or want to avoid future headaches, they can help draft a fair agreement that works for both parties. After all, planning can be a smart way to ensure a smooth journey down the road of life.

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