Back in August, when it looked like the Federal Reserve was about to cut interest rates for the first time in more than four years, Vivian Tu took to TikTok to explain to her roughly 2.6 million followers what that move by the central bank would mean for them.

“Fed Daddy has all but guaranteed to lower interest rates in September,” she announced, trotting out her frequent nickname for Jerome H. Powell, the institution’s chair. “Pros: When the Fed lowers interest rates, we’ll see mortgages, car loans, personal and business loans, those rates will come down too.”

Then in a clip in October, Ms. Tu — who bills herself on social media as “Your Rich BFF” — explained how to know whether to refinance a home loan, walking tens of thousands of viewers through a mortgage calculator. That clip is nestled in her feed next to a photo of Ms. Tu slapping high fives with the former pro basketball player Shaquille O’Neal, giving travel advice pulled from her European vacations, offering tips on shopping for designer handbags and sharing her thoughts on prenups.

Ms. Tu, 30, is creating what is often serious finance and economic content — it just doesn’t always look like it. She has mastered a candy-coated version of financial advice, with videos that embrace familiar TikTok formats like sassy clap-backs and makeup demonstrations, frequently delivered in on-point lash extensions and Instagrammable outfits.

In doing so, Ms. Tu has turned herself into something of a money role model for the TikTok generation, particularly the women whom she calls “besties.” On her podcast, “Networth and Chill,” which had more than two million downloads in its first season, she promises “no dry economics lessons, though I will teach you about economics, and how it affects you.”