Hey Rich Girls, Kirby here - Are women abandoning the idea of a traditional marriage with a man because they no longer need to rely on their income? Since the 1970’s, marriage as a whole has been on a steady decline, while women’s median wages have steadily increased over that same time period. Women have only had the right to obtain credit without a male cosigner for the past fifty one years - and that opened up the door to things like home ownership and building or expanding a business.

**please note this is not investment advice, just my opinion & should be used for entertainment purposes only**

CONNECT WITH ME:
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⅛ to ¼ Stereo Cable:https://amzn.to/4bCHYff

ARTICLES MENTIONED:
Global marriage statistics: https://onlinemftprograms.com/worldwide-marriage-statistics/ 

Women vs. Men graduation rates: https://www.pewresearch.org/short-reads/2024/11/18/us-women-are-outpacing-men-in-college-completion-including-in-every-major-racial-and-ethnic-group/#:~:text=Since%20then%2C%20there%20has%20been,from%2025%25%20to%2047%25.

Home ownership: https://www.nar.realtor/women-home-buyers

Your Money Briefing podcast episode: https://open.spotify.com/episode/6nrpWFBmCGotrf3gJcQIf9?si=02ee0920cff24c9a 

Domestic violence US: https://www.thehotline.org/stakeholders/domestic-violence-statistics/#:~:text=Over%201%20in%203%20women,intimate%20partner%20in%20their%20lifetime.

1950 Women Labor Force: https://www.bls.gov/opub/ted/2000/feb/wk3/art03.htm


MY TOP FAVORITE BOOKS ABOUT HABITS & $$$ (Amazon affiliate links)
The Power of Habit: https://amzn.to/3xxkytF
Atomic Habits: https://amzn.to/4bh5Ncc
The Opposite of Spoiled: https://amzn.to/3xDz2rP
You Are A Badass At Making Money: https://amzn.to/4bkKuqg 

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Hey Rich Girls, Kirby here - and today I want to spend some time talking to those of you who may need a little encouragement or guidance on how to become financially independent. Now hopefully this isn’t the first time you’re hearing this, but becoming financially independent is the single most important thing you can do to make sure you are living the life that you actually want to live.

**please note this is not investment advice, just my opinion & should be used for entertainment purposes only**

EPISODES MENTIONED: 
Emergency Fund 101: https://youtu.be/6PI293mJtgg?si=hpM6ZrjfxJycsPc6 
How To Create A Budget You Will ACTUALLY Stick To: https://youtu.be/lRKCLA6jwYI?si=yUdHfvlPpmw4_KXF 

CONNECT WITH ME:
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Want YOUR money question to be answered in an upcoming episode? Submit an anonymous question here: https://richgirlsguidepodcast.com/contact   

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Teleprompter: https://amzn.to/4cI4iVD
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MY TOP FAVORITE BOOKS ABOUT HABITS & $$$ (Amazon affiliate links)
The Power of Habit: https://amzn.to/3xxkytF
Atomic Habits: https://amzn.to/4bh5Ncc
The Opposite of Spoiled: https://amzn.to/3xDz2rP
You Are A Badass At Making Money: https://amzn.to/4bkKuqg 

credit card, creditcards, financial advice podcast, how to budget your money, credit card debt, credit score, women in finance, credit utilization, audit, investing, how to invest, mutual funds, etfs, stock, stocks, personal finance, financial management, financial planning, financial education, financial diet, finance stock market, finance 101, finance for women, financial news, personal investing, money challenge, debt free, payoff debt, clark howard, dave ramsey, caleb hammer, bigger pockets, debt free journey, financial feminist, inflation, net worth, credit, financial audit, retirement, retirement planning, financial freedom, 401k, portfolio, allocation, excel, financial calculator, financial tips, personal finance tips, financial literacy, money, money tips, money management, personal development.

Hey Rich Girls, Kirby here - and we are BACK with our March book club review for Atomic Habits! Now today’s episode is going to be a little bit different from our previous book club episodes - while I am still going to do a brief review of the book, I am going to spend most of the episode tying back the major themes into personal finance and how you can start implementing micro money habits into your daily routines. 

**please note this is not investment advice, just my opinion & should be used for entertainment purposes only**

RELATED EPISODES:
Nine side hustle ideas:https://youtu.be/zCRo07P5K-k?si=d7ZT6UgPBJcnAZ55 
Introducing Rich Girls’ Guide Book Club: https://youtu.be/AIUmih1X7Q4?feature=shared
January Book Club Review: https://youtu.be/0EGU_nAvo8k?feature=shared
February Book Club Review: https://youtu.be/1jbA55qDlAY?feature=shared

CONNECT WITH ME:
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TIMESTAMPS

00:00 Intro
1:15 Key takeaway # 1 Small atomic changes
2:56 Key takeaway # 2 Goalless thinking & setting routines 
4:17 Key takeaway # 3 Habit stacking 
7:58 Real life application # 1 Retirement savings 
12:05 Real life application # 2 Credit card debt
17:39 Real life application # 3 How to implement habit stacking

Want YOUR money question to be answered in an upcoming episode? Submit an anonymous question here: https://richgirlsguidepodcast.com/contact   

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ARTICLES MENTIONED:
Average american credit card debt: https://www.lendingtree.com/credit-cards/study/credit-card-debt-statistics/

Atomic Habits: https://amzn.to/4bh5Ncc

MY TOP FAVORITE BOOKS ABOUT HABITS & $$$ (Amazon affiliate links)
The Power of Habit: https://amzn.to/3xxkytF
Atomic Habits: https://amzn.to/4bh5Ncc
The Opposite of Spoiled: https://amzn.to/3xDz2rP
You Are A Badass At Making Money: https://amzn.to/4bkKuqg 

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Hey Rich Girls, Kirby here - and I have a feeling that with all of the current news cycles and recession talks you might be feeling a bit overwhelmed when it comes to personal finance and investing right now. We all know how draining and stressful the doom scrolling can be, but today we are going to break that cycle by talking about the four things you can do to override that sense of impending doom and kick start your investing journey with a little pep in your step.

**please note this is not investment advice, just my opinion & should be used for entertainment purposes only**

EPISODES MENTIONED:
How to recession proof your accounts: https://youtu.be/0qAT15C55Cg?si=NiBmNarGd6-Dpe4n

What to hold on your 401k: https://youtu.be/70YNrk7GiOQ?si=GPFtrie-IidiitRw

How to invest your first $1k: https://youtu.be/7dThLaHVQIo?si=PxeCwkfJ03QHvfBD

How much money do you need to retire: https://youtu.be/WKooH0JVKjY?si=MLXuEpPSWSSV2jYx 


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Want YOUR money question to be answered in an upcoming episode? Submit an anonymous question here: https://richgirlsguidepodcast.com/contact   

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⅛ to ¼ Stereo Cable:https://amzn.to/4bCHYff

MY TOP FAVORITE BOOKS ABOUT HABITS & $$$ (Amazon affiliate links)
The Power of Habit: https://amzn.to/3xxkytF
Atomic Habits: https://amzn.to/4bh5Ncc
The Opposite of Spoiled: https://amzn.to/3xDz2rP
You Are A Badass At Making Money: https://amzn.to/4bkKuqg 

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, credit card, creditcards, financial advice podcast, how to budget your money, credit card debt, credit score, women in finance, credit utilization, audit, investing, how to invest, mutual funds, etfs, stock, stocks, personal finance, financial management, financial planning, financial education, financial diet, finance stock market, finance 101, finance for women, financial news, personal investing, money challenge, debt free, payoff debt, clark howard, dave ramsey, caleb hammer, bigger pockets, debt free journey, financial feminist, inflation, net worth, credit, financial audit, retirement, retirement planning, financial freedom, 401k, portfolio, allocation, excel, financial calculator, financial tips, personal finance tips, financial literacy, money, money tips, money management, personal development.

Hey Rich Girls, Kirby here - and have you heard the terms standard deduction and itemized deduction but never really understood what they mean? Well today we are breaking down the difference between standard and itemized deduction and how you can determine which one you should be taking. I promise it’s not as complicated as it sounds, so let’s get this explained and get you on your way!

**please note this is not investment advice, just my opinion & should be used for entertainment purposes only**

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Want YOUR money question to be answered in an upcoming episode? Submit an anonymous question here: https://richgirlsguidepodcast.com/contact   

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Shure SM7B Microphone: https://amzn.to/3xoIJuk
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⅛ to ¼ Stereo Cable:https://amzn.to/4bCHYff

ARTICLES MENTIONED:
Standard deduction amounts: https://www.nerdwallet.com/article/taxes/standard-deduction#:~:text=The%20standard%20deduction%20for%202024%20(tax%20returns%20filed%20in%202025,joint%20filers%20and%20surviving%20spouses.

Standard deduction history: https://www.marketplace.org/2017/05/09/history-income-taxs-standard-deduction-more-interesting-than-you-think/ 

Percentage of Americans who itemized deductions in 2020: https://taxpolicycenter.org/briefing-book/what-are-itemized-deductions-and-who-claims-them#:~:text=The%20share%20of%20returns%20that,in%202020%20(figure%204).

MY TOP FAVORITE BOOKS ABOUT HABITS & $$$ (Amazon affiliate links)
The Power of Habit: https://amzn.to/3xxkytF
Atomic Habits: https://amzn.to/4bh5Ncc
The Opposite of Spoiled: https://amzn.to/3xDz2rP
You Are A Badass At Making Money: https://amzn.to/4bkKuqg 

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Hey Rich Girls, Kirby here - and today we are going to go over 3 things you can still do NOW to lower your 2024 tax bill. Watch this episode on YouTube: https://youtu.be/UnqsDQPDpYE

**please note this is not investment advice, just my opinion & should be used for entertainment purposes only**

Tax Saver's Credit: https://youtu.be/SkIEFEVQUr0?si=Nu7k-FFLO3ItECVr

CONNECT WITH ME:

Threads: ⁠https://www.threads.net/@richgirlsguidepodcast⁠ 
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Want YOUR money question to be answered in an upcoming episode? Submit an anonymous question here: https://richgirlsguidepodcast.com/contact   

MY EXACT YOUTUBE SETUP (Amazon affiliate links):
Canon EOS R6 Camera: https://amzn.to/4cgzSdd
SD Memory Card: https://amzn.to/3VYJrrA
Shure SM7B Microphone: https://amzn.to/3xoIJuk
Teleprompter: https://amzn.to/4cI4iVD
Rodecaster Pro: https://amzn.to/3VGAAcA
Manfrotto Camera Tripod: https://amzn.to/3W1Secm
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⅛ to ¼ Stereo Cable:https://amzn.to/4bCHYff

ARTICLES MENTIONED:
High Deductible Health Plan Particpation: https://www.bls.gov/ebs/factsheets/high-deductible-health-plans-and-health-savings-accounts.htm

HSA information: https://www.nerdwallet.com/article/health/hsa-qualified-expenses 

MY TOP FAVORITE BOOKS ABOUT HABITS & $$$ (Amazon affiliate links)
The Power of Habit: https://amzn.to/3xxkytF
Atomic Habits: https://amzn.to/4bh5Ncc
The Opposite of Spoiled: https://amzn.to/3xDz2rP
You Are A Badass At Making Money: https://amzn.to/4bkKuqg 

credit card, creditcards, financial advice podcast, how to budget your money, credit card debt, credit score, women in finance, credit utilization, audit, investing, how to invest, mutual funds, etfs, stock, stocks, personal finance, financial management, financial planning, financial education, financial diet, finance stock market, finance 101, finance for women, financial news, personal investing, money challenge, debt free, payoff debt, clark howard, dave ramsey, caleb hammer, bigger pockets, debt free journey, financial feminist, inflation, net worth, credit, financial audit, retirement, retirement planning, financial freedom, 401k, portfolio, allocation, excel, financial calculator, financial tips, personal finance tips, financial literacy, money, money tips, money management, personal development.

Hey Rich Girls, Kirby here -  and did you know that we are currently undergoing one of the largest wealth transfers in modern history?!

**please note this is not investment advice, just my opinion & should be used for entertainment purposes only**

CONNECT WITH ME:
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Threads: ⁠https://www.threads.net/@richgirlsguidepodcast⁠ 
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Want YOUR money question to be answered in an upcoming episode? Submit an anonymous question here: https://richgirlsguidepodcast.com/contact   

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Canon EOS R6 Camera: https://amzn.to/4cgzSdd
SD Memory Card: https://amzn.to/3VYJrrA
Shure SM7B Microphone: https://amzn.to/3xoIJuk
Teleprompter: https://amzn.to/4cI4iVD
Rodecaster Pro: https://amzn.to/3VGAAcA
Manfrotto Camera Tripod: https://amzn.to/3W1Secm
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⅛ to ¼ Stereo Cable:https://amzn.to/4bCHYff

ARTICLES MENTIONED:
WSJ Women Wealth Transfer podcast episode: https://podcasts.apple.com/us/podcast/how-women-are-reshaping-the-biggest-wealth-transfer/id152024419?i=1000687052262

Baby Boomer Women Deciding The Fate Of Trillions Of Dollars: https://www.nrmlaonline.org/2025/01/24/baby-boomer-women-deciding-the-fate-of-trillions-of-dollars#:~:text=Nearly%20%2440%20trillion%20of%20wealth,die%20to%20avoid%20family%20disputes. 

Kiplinger Women Bank Accounts: https://www.kiplinger.com/personal-finance/credit-debt/years-ago-women-won-equal-access-to-credit#:~:text=Personal%2Dloans-,50%20Years%20Ago%2C%20Women%20Won%20Equal%20Access%20to%20Credit,helped%20women%20build%20financial%20independence.&text=As%20recently%20as%201974%2C%20banks,to%20get%20a%20male%20cosigner.


MY TOP FAVORITE BOOKS ABOUT HABITS & $$$ (Amazon affiliate links)
The Power of Habit: https://amzn.to/3xxkytF
Atomic Habits: https://amzn.to/4bh5Ncc
The Opposite of Spoiled: https://amzn.to/3xDz2rP
You Are A Badass At Making Money: https://amzn.to/4bkKuqg 

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Hey Rich Girls, Kirby here - and today we are reviewing our February book club pick, The Psychology Of Money!

**please note this is not investment advice, just my opinion & should be used for entertainment purposes only**

CONNECT WITH ME:

YouTube: https://www.youtube.com/@richgirlsguidewithkirby

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Want YOUR money question to be answered in an upcoming episode? Submit an anonymous question here: https://richgirlsguidepodcast.com/contact   

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Teleprompter: https://amzn.to/4cI4iVD
Rodecaster Pro: https://amzn.to/3VGAAcA
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ARTICLES MENTIONED:
The Psychology of Money: https://a.co/d/0DzhMuv 

Atomic Habits: Atomic Habits: https://amzn.to/4bh5Ncc

MY TOP FAVORITE BOOKS ABOUT HABITS & $$$ (Amazon affiliate links)
The Power of Habit: https://amzn.to/3xxkytF
Atomic Habits: https://amzn.to/4bh5Ncc
The Opposite of Spoiled: https://amzn.to/3xDz2rP
You Are A Badass At Making Money: https://amzn.to/4bkKuqg 

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Hey Rich Girls, Kirby here - and did you know that on average, Americans spend thirteen hours and two hundred and ninety dollars preparing for and filing taxes? I’m here to help you cut down on both time and money, so let’s go over everything you need to know to tackle your twenty twenty four taxes.

**please note this is not investment advice, just my opinion & should be used for entertainment purposes only**

CONNECT WITH ME:
YouTube: https://www.youtube.com/@richgirlsguidewithkirby
Instagram: https://www.instagram.com/richgirlsguidepodcast/ 
TikTok: https://www.tiktok.com/@richgirlsguide

Want YOUR money question to be answered in an upcoming episode? Submit an anonymous question here: https://richgirlsguidepodcast.com/contact   

MY EXACT YOUTUBE SETUP (Amazon affiliate links):
Canon EOS R6 Camera: https://amzn.to/4cgzSdd
SD Memory Card: https://amzn.to/3VYJrrA
Shure SM7B Microphone: https://amzn.to/3xoIJuk
Teleprompter: https://amzn.to/4cI4iVD
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ARTICLES MENTIONED:
IRS Itemized Deduction List: https://www.irs.gov/instructions/i1040sca
  
Nerdwallet Itemized Deductions: https://www.nerdwallet.com/article/taxes/itemized-deductions-standard-deduction 

IRS Direct File: https://www.irs.gov/filing/irs-direct-file-for-free 

IRS Free File: https://www.irs.gov/filing/irs-free-file-do-your-taxes-for-free 


MY TOP FAVORITE BOOKS ABOUT HABITS & $$$ (Amazon affiliate links)
The Power of Habit: https://amzn.to/3xxkytF
Atomic Habits: https://amzn.to/4bh5Ncc
The Opposite of Spoiled: https://amzn.to/3xDz2rP
You Are A Badass At Making Money: https://amzn.to/4bkKuqg 

credit card, creditcards, financial advice podcast, how to budget your money, credit card debt, credit score, women in finance, credit utilization, audit, investing, how to invest, mutual funds, etfs, stock, stocks, personal finance, financial management, financial planning, financial education, financial diet, finance stock market, finance 101, finance for women, financial news, personal investing, money challenge, debt free, payoff debt, clark howard, dave ramsey, caleb hammer, bigger pockets, debt free journey, financial feminist, inflation, net worth, credit, financial audit, retirement, retirement planning, financial freedom, 401k, portfolio, allocation, excel, financial calculator, financial tips, personal finance tips, financial literacy, money, money tips, money management, personal development.

Hey Rich Girls, Kirby here - and today we are going over updates to the child & dependent care tax credit for 2025.

**please note this is not investment advice, just my opinion & should be used for entertainment purposes only**

CONNECT WITH ME:
YouTube: https://www.youtube.com/@richgirlsguidewithkirby
Instagram: https://www.instagram.com/richgirlsguidepodcast/ 
TikTok: https://www.tiktok.com/@richgirlsguide

Want YOUR money question to be answered in an upcoming episode? Submit an anonymous question here: https://richgirlsguidepodcast.com/contact   

MY EXACT YOUTUBE SETUP (Amazon affiliate links):
Canon EOS R6 Camera: https://amzn.to/4cgzSdd
SD Memory Card: https://amzn.to/3VYJrrA
Shure SM7B Microphone: https://amzn.to/3xoIJuk
Teleprompter: https://amzn.to/4cI4iVD
Rodecaster Pro: https://amzn.to/3VGAAcA
Manfrotto Camera Tripod: https://amzn.to/3W1Secm
Cloudlifter: https://amzn.to/3L0Ntt1
Microphone Stand: https://amzn.to/3VGI6V0
Mic Cable: https://amzn.to/4bkKOW0
Amaran 100D LED Light: https://amzn.to/3W0Bl1t
Aputure Lantern Light: https://amzn.to/3RHp7bK
Softbox lighting kits: https://amzn.to/45MGygS
Amazon Fire Tablet: https://amzn.to/3L0lxp4
⅛ to ¼ Stereo Cable:https://amzn.to/4bCHYff

ARTICLES MENTIONED:
Child tax credit IRS: https://www.irs.gov/credits-deductions/individuals/child-tax-credit

Child Tax Care Credit: https://www.nerdwallet.com/article/taxes/qualify-child-child-care-tax-credit

2024 Standard Deduction: https://www.nerdwallet.com/article/taxes/standard-deduction 

Child tax credit: https://smartasset.com/taxes/all-about-child-tax-credits

Child & Dependent Care Tax Credit: https://www.irs.gov/credits-deductions/individuals/child-and-dependent-care-credit-information

Turbo Tax ins and outs of child & dependent care tax credit: https://turbotax.intuit.com/tax-tips/family/the-ins-and-outs-of-the-child-and-dependent-care-tax-credit/amp/L2H7rzUWc

Dependent Care Income Phaseout Range: https://www.irs.gov/publications/p503 

Dependent Care IRS: https://www.irs.gov/newsroom/child-and-dependent-care-tax-credit-can-help-offset-summer-day-camp-expenses 

DOL data on childcare costs: https://blog.dol.gov/2024/11/19/new-data-childcare-costs-remain-an-almost-prohibitive-expense 


MY TOP FAVORITE BOOKS ABOUT HABITS & $$$ (Amazon affiliate links)
The Power of Habit: https://amzn.to/3xxkytF
Atomic Habits: https://amzn.to/4bh5Ncc
The Opposite of Spoiled: https://amzn.to/3xDz2rP
You Are A Badass At Making Money: https://amzn.to/4bkKuqg 

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