This episode is in my faves forever. Such great feedback and raw truths said here. Personally felt so validated when Siff said being unproductive is productive for her. Burnout is real and her saying that made me feel better about myself and my business HSR is the best!!! - Meghan, Spotify Podcast Reviewer
What if the secret to building wealth wasn’t spending big, but acting broke?
Lucy Guo, co-founder of Scale AI, founder of Passes, and the youngest self-made female billionaire, is redefining what it means to win in tech, money, and the creator economy. From her “act broke, stay rich” mindset, to proving people wrong in Silicon Valley, to helping creators build generational wealth, this is the conversation every founder, dreamer, and disruptor needs to hear.
Why acting broke is Lucy’s rule for staying rich
The truth about being a “billionaire” (and why it’s not cash in the bank)
How equity, not cash, creates generational wealth
The surprising power of free things (and why Lucy still takes UberX)
How she handles haters, trolls, and being called “the party girl of tech”
Why proving people wrong has fueled her biggest wins
What founders get wrong about raising money and scaling fast
How AI will shape the next wave of unicorn companies
Why consistency, discipline, and content are the only real creator superpowers
This isn’t about chasing trends or titles. It’s about building smarter, betting on yourself, and creating wealth that lasts.
♡ 01. daily obsession ♡
This workout has become a non-negotiable — sometimes even doubling up on classes. It fuels both body and discipline.
♡ 02. signature timepiece ♡
A bold gold watch that has become part of my identity — powerful, timeless, and always on my wrist.
♡ 03. statement chain ♡
Oversized links that feel strong and elevated. Jewelry that’s as much armor as it is adornment.
♡ 04. playful edge ♡
Black ankle boots accented with pearls — equal parts tough and feminine.
♡ 05. chunky platforms ♡
My favorite combat boots with a sculptural sole, both practical and a statement.
♡ 06. act broke, stay rich ♡
UberX over Uber Black but never compromise on the big things. I save on the everyday to splurge on what truly saves time — like private flights.
♡ 07. music over everything ♡
DJing has become my creative outlet, a release I sometimes prefer even more than coding.
♡ 08. energy fuel ♡
This creator-founded drink keeps me going — and makes a great mixer when it’s time to unwind.
♡ 09. thrill seeker ♡
Whether it’s spontaneous 24-hour trips, longboarding, or extreme sports like skydiving and scuba, adventure always finds its way into my schedule.
♡ 10. creator wealth ♡
My company is built to help creators monetize and build legacies. Empowerment and ownership are everything.
♡ Hot, Smart, Rich Tips ♡
♡ Hot Hack ♡
I never skip my workouts. Barry’s is my non-negotiable start to the day — it keeps me disciplined, competitive, and plugged into a community that motivates me.
♡ Smart Hack ♡
I treat my life like a series of experiments. I test everything — how I work, how I dress, how I build — and I only keep what really moves the needle forward.
♡ Rich Tip ♡
I live by “Act Broke, Stay Rich.” I’ll take an UberX instead of Uber Black and avoid spending on things that don’t actually matter — so I can reinvest into assets or time-savers, like private flights, that give me back hours of my life.
♡ Favorite Part of the Conversation ♡
Talking about equity vs. cash really stood out. Cash pays the bills, but equity is how you create generational wealth and lasting impact.
♡ Something People Don’t Know About You ♡
I don’t count calories, I don’t eat vegetables, and honestly — I love McDonald’s and gummy vitamins.
♡ About The Guest ♡
Lucy Guo – Founder & CEO of Passes
Lucy Guo is the Founder & CEO of Passes, a creator platform empowering talent to monetize their communities and build generational wealth. Previously the co-founder of Scale AI, Lucy has been recognized as the youngest self-made female billionaire, a Thiel Fellow, and Product Hunt’s Maker of the Year. With a background in product design at Snap and Quora, Lucy combines technical expertise with a fearless entrepreneurial mindset, also running a successful venture fund that backs top startups. Beyond business, she is a licensed skydiver and scuba diver, a dedicated Barry’s Bootcamp enthusiast with thousands of classes completed, and a DJ who brings the same creativity to music as she does to company-building. Featured in Forbes, Fortune, and Entrepreneur, Lucy is known for her “act broke, stay rich” philosophy and for living a life that balances ambition, discipline, and adventure.