Hey, Rich Girls! This is Rich Girls' Guide, where we demystify the world of personal finance to help you create a financially successful & fulfilling life. I'm your host, Kirby, and I worked in wealth management for over 6 years before leaving the office to focus on raising my two daughters and growing my own business. Are you ready to chat all things money, budgeting & personal finance? Then you are in the right place! We'll dive into investing 101, learn how to build wealth, stock market i ...
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The Great Wealth Transfer: How Women Are Shaking Up The Financial Landscape In 2025
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12:40Hey 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: Youtube: https://www.youtube.com/@richgirlsguidewithkirby Threads: https://www.thread…
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February Book Club / Reading Challenge Review: The Psychology Of Money
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36:09Hey 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 Threads: https://www.threads.net/@richgirlsguidepodc…
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Tax Season Survival Guide: How to Prepare Like a Boss
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13:59
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13:59Hey 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…
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Maximize 2025 Tax Savings for Your Family: Updated Child And Dependent Care Tax Credit
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8:30Hey 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/richgirlsg…
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Hey Rich Girls, Kirby here - today we are going to discuss the tax saver's credit, AKA how you might be able to get a tax refund by contributing to your retirement account, AND how to maximize that credit to create tax savings for years to come. **please note this is not investment advice, just my opinion & should be used for entertainment purposes…
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Why Moving Up a Tax Bracket Isn't As Scary As You Think! 2024 Tax Brackets
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13:45Hey Rich Girls, Kirby here - and I have a question for you today: are you scared to move up a tax bracket? We’re going to be breaking down common misconceptions about moving up a tax bracket and why you should NOT be scared to make more money. Let’s get into it. **please note this is not investment advice, just my opinion & should be used for enter…
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2025 Reading Challenge January Book Review: The Power Of Habit
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14:21Hey Rich Girls, Kirby here - and we have successfully made it to our first book club review of the year! Our January read was The Power of Habit by Charles Duhigg. Watch to find out our February book pick - and yes, this one IS money related! **please note this is not investment advice, just my opinion & should be used for entertainment purposes on…
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New 401k and IRA Contribution Changes: MAXIMIZE Your 2025 Retirement Savings! | Ep 51
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14:01Not sure how much money you can - or should - be saving for retirement this year? I got ya covered! Today we are going to go over the updated 2025 figures for IRA and 401k contributions, and how to effectively plan your savings for the new year. **please note this is not investment advice, just my opinion & should be used for entertainment purposes…
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Make Your Money Goals a REALITY in 2025! | Ep 50
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24:56Hey Rich Girls, Kirby here - ready to make your money goals a reality in 2025? I will guide you through setting financial intentions for the new year so that 2025 can be your most financially successful year yet. And stay tuned until the end of the episode because I am unveiling a super fun project that we can all do together throughout the new yea…
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Marriage Meets Politics - Economic Policy, Inflation & Navigating Relationships | Ep 49
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46:50Hey Rich Girls, Kirby here - today, Alfred and I are having a little chitchat about the economic policy being discussed in the US presidential election, as well as navigating married life with different political opinions. **please note this is not investment advice, just my opinion & should be used for entertainment purposes only** CLAIM YOUR $50 …
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Surviving Inflation: 5 Money Tips You NEED to Know Now | Ep 48
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12:39Hey Rich Girls, Kirby here - It’s the big bad word we’ve been hearing about over and over again; we are all over it by now, and yet it is still seeping into daily conversations and overtaking the content on your feed… it what must not be named… inflation. But instead of dwelling on the bad or speculating about the future, today we are going to take…
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Ep 47 | Agenda 47: Taxes & Economic Policy, Explained
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9:05
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9:05Hey Rich Girls, Kirby here - even if you didn’t watch the presidential debate in full, I think you’ve probably seen - or heard - a certain viral clip by now… instead of talking about that, we are going to take a look at the promises being made by the Donald Trump campaign regarding taxes and discuss whether or not Agenda 47 is a watered down versio…
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Are We Entering A Financial Femininomenon Era? (Alex Cooper, Taylor Swift, Harris Campaign)
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12:48
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12:48Hey Rich Girls, Kirby here - Alex Cooper just signed a reported hundred million dollar podcasting deal with SiriusXM, Taylor Swift is wrapping up the Era’s tour that is widely speculated to earn revenue between two and three billion dollars and Kamala Harris has been smashing fundraising records for her presidential campaign - all of which begs the…
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Will The Harris Administration Raise Your Taxes? (Kamala Harris, Tim Walz, DNC)
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11:00Hey Rich Girls, Kirby here - listen, it’s no secret that when it comes to the possibility of an incoming democratic president, a lot of people have the same fear - that their taxes are going to increase astronomically. And I get it, taxes can be a huge burden to many Americans - but did you know that Kamala Harris is running on a campaign that prom…
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The Five Year Rule For Roth IRAs, Explained
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15:27Hey Rich Girls, Kirby here - Pretty much anyone who pays even the slightest bit of attention to money or retirement savings has certainly heard some investment fanatic raving about Roth IRA’s, how amazing they are & that everyone NEEDS to be funding one. **please note this is not investment advice, just my opinion & should be used for entertainment…
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How Much Money Should You Have By Age 30? (2024)
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25:12Hey Rich Girls, Kirby here - I just turned thirty last week, and it got me thinking: what goals have I accomplished for myself that I thought I would for sure hit by age thirty? What goals have I NOT accomplished? And while I’ll spare you the personal details of ALL of the shit that comes to mind when you hit a major milestone like thirty, I knew t…
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Confused About What A Fed Rate Cut Could Mean For You? | Jerome Powell & Interest Rates
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12:53Hey Rich Girls, Kirby here - if you follow any news or happen to overhear finance bros talking about finance, you have probably heard of the term federal rate cuts. But do you have any idea what that means or how it could affect you? I’m going to explain it you in everyday language right now so that YOU can know what's going on - and maybe even bre…
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Brand New Rule Allowing For $1k PENALTY FREE Retirement Withdrawal | Secure Act 2.0
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13:46Hey Rich Girls, Kirby here - did you know there was a brand-new ruling allowing for a $1k PENALTY FREE withdrawal from your retirement account that took effect this year?? Me neither - so let me fill you in on ALL the deets! **please note this is not investment advice, just my opinion & should be used for entertainment purposes only** CONNECT WITH …
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Create Your Personalized Budget In 5 Min Or Less Using AI and ChatGPT
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12:52Hey Rich Girls, Kirby here - have you been struggling with creating or maintaining a personal budget? Today we are going to let AI do the work us, by creating a completely personalized monthly budget - just for you! GET YOUR FREE MONTHLY BUDGET TEMPLATE HERE: http://eepurl.com/iUT3So **please note this is not investment advice, just my opinion & sh…
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BIG CHANGES Coming For 401k Catch-Up Contributions (Secure Act 2.0, Roth 401k & More)
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17:10Hey Rich Girls, Kirby here - today we are diving right into a timely topic that just might affect you or someone you love starting in 2026 - and while you might think that date is way far ahead in the future, the reality is that you need to start making changes NOW in order to get ahead of this potentially huge retirement change. **please note this…
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5 Crucial Questions To Ask Your Parents BEFORE They Retire
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14:36
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14:36Hey Rich Girls, Kirby here - are your parents nearing retirement age? Did you know that the median retirement savings for those aged fifty five to sixty four is only one hundred and eighty five thousand dollars? If your parents are thinking about retiring soon, you might want to sit down and have a candid conversation with them about what they expe…
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Lost Your Job? Listen Up. (Tips For Overcoming Unemployment & Being Prepared For A Lay Off)
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10:33Hey Rich Girls, Kirby here - and today we are tackling an uncomfortable conversation; losing your job and navigating unemployment. **please note this is not investment advice, just my opinion & should be used for entertainment purposes only** CONNECT WITH ME: YouTube: www.youtube.com/@richgirlsguidewithKirby Threads: https://www.threads.net/@richg…
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How To DOUBLE Your Money Every 7 Years Using Compound Growth (Dividend Reinvestment & Interest)
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11:45Hey Rich Girls, Kirby here - Did you know that if you utilize compound growth, you can DOUBLE your money every 7 years, without adding an extra PENNY to your investments?! Find out how in today’s episode! **please note this is not investment advice, just my opinion & should be used for entertainment purposes only** CONNECT WITH ME: YouTube: www.you…
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Answering MORE of Reddit's Money Questions | Ep 35
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10:26Hey Rich Girls, Kirby here - and today I'm answering MORE of reddit's money questions! MY NEW YOUTUBE CHANNEL: www.youtube.com/@RichGirlsGuidewithKirby **please note this is not investment advice, just my opinion & should be used for entertainment purposes only** CONNECT WITH ME: YouTube: www.youtube.com/@RichGirlsGuidewithKirby Threads: https://w…
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Women Working in Male Dominated Fields | Ep 34
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34:11Hey Rich Girls, Kirby here - and today I have my very first guests on the pod! We are discussing being a woman in male dominated fields in both college & the workplace. **please note this is not investment advice, just my opinion & should be used for entertainment purposes only** CONNECT WITH ME: YouTube: www.youtube.com/@RichGirlsGuidewithKirby Th…
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Hey Rich Girls, Kirby here - alright guys, you asked, and I’m answering - well technically you didn’t ask me, you asked Reddit, but I’m answering you anyways!! **please note this is not investment advice, just my opinion & should be used for entertainment purposes only** CONNECT WITH ME: YouTube: www.youtube.com/@richgirlsguide Threads: https://www…
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My Top 5 Tips From Working In Wealth Management | Ep 33
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15:11Hey Rich Girls, Kirby here - After working in personal finance for over 6 years, these are my top 5 tips! **please note this is not investment advice, just my opinion & should be used for entertainment purposes only** CONNECT WITH ME: YouTube: www.youtube.com/@richgirlsguide Threads: https://www.threads.net/@richgirlsguidepodcast Instagram: https:/…
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Hey Rich Girls, Kirby here - wondering whether or not you need term life insurance? Let’s find out! **please note this is not investment advice, just my opinion & should be used for entertainment purposes only** CONNECT WITH ME: YouTube: www.youtube.com/@richgirlsguide Threads: https://www.threads.net/@richgirlsguidepodcast Instagram: https://www.i…
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Hey Rich Girls, Kirby here - with all of this talk surrounding AI and how it is going to revolutionize the way we work, the way we teach, the way we interact with the world - I started to wonder whether or not I could use AI to make more money. Let’s find out. **please note this is not investment advice, just my opinion & should be used for enterta…
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Hey Rich Girls, Kirby here - we’ve all heard of financial advisors, CPA’s, money guru’s and even floating heads on the internet - like myself - but have you ever heard of a financial therapist? And do you NEED one? **please note this is not investment advice, just my opinion & should be used for entertainment purposes only** CONNECT WITH ME: YouTub…
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Hey Rich Girls, Kirby here - listen, when it comes to tackling debt, there is a LOT of noise when it comes to choosing how to pay it off. If you listen to the likes of Dave Ramsey, then you’ve probably heard of the debt snowball method, where you pay off your smallest debts first and work your way up to your largest debt. Or you may have heard of t…
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Hey Rich Girls, Kirby here - Alright guys, today I am giving you the quick and dirty on house hacking: what it is, how it works and the potential benefits and risks associated with it! **please note this is not investment advice, just my opinion & should be used for entertainment purposes only** CONNECT WITH ME: YouTube: www.youtube.com/@richgirlsg…
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Fire Movement: Financial Independence, Retire Early | Ep 30
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13:39STOP DROP AND ROLL, FOLKS we gotta fire in here! Jusst kidding; we ARE talking about fire today, but not like that kind of fire. We are talking about the acronym that took social media by storm: Financial Independence, Retire Early. Is it possible? Can anyone other than millionaires and nepo babies retire before the normal age of sixty five? We are…
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9 Side Hustle Ideas You Can Start Today (Beginner to Expert)
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20:40Hey Rich Girls, Kirby here - Looking to make some extra cash this year? I have 9 side hustle ideas from beginner to expert that you can start doing today! Whether you are looking to earn extra income for a summer vacay, you want to boost up your savings account or you are looking to beef up your marketable skills, starting a side hustle might be yo…
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Hey Rich Girls, Kirby here - Did you think MLM's were a thing of the past? Me too! Until just a few weeks ago.... **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/@richgirlsguide Threads: https://www.threads.net/@richgirlsguidepodcast In…
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Payday Routine: Small Business Owner & Former Wealth Management Worker Ep 27
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9:20
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9:20Hey Rich Girls, Kirby here - wondering how someone divvies up their paycheck on payday? How about when they have a 9-5 paycheck, small business income & rental property income? I’m pulling back the curtains on how I used to do just that! My Budgeting Journey Update # 4: https://youtu.be/C09SfYy4gZw?si=74nu1ntqUV04V7f9 **please note this is not inve…
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Hey Rich Girls, Kirby here - today we are going to do a deep dive into naming beneficiaries on your IRA. We’ll be talking through the different types of beneficiaries, how they might be taxed on the money you leave them, and by the end of today’s episode you should know exactly where to start when naming beneficiaries on your IRA. **please note thi…
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Is Student Loan Forgiveness Actually Happening? Ep 25
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11:54
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11:54Hey Rich Girls, Kirby here - Is student loan debt going to be canceled once and for all?! President Biden is promising to do just that… but will this time be any different? **please note this is not investment advice, just my opinion & should be used for entertainment purposes only** CONNECT WITH ME: YouTube: https://m.youtube.com/@richgirlsguide…
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6 Money Habits That Are Keeping You Poor: Ep 24
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13:03Hey Rich Girls, Kirby here - Wondering if any of your money habits are keeping you poor? I am sharing the top 6 habits that I see keeping people poor, even when they make a lot of money. **please note this is not investment advice, just my opinion & should be used for entertainment purposes only** CONNECT WITH ME: YouTube: https://m.youtube.com/@r…
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Required Minimum Distributions AKA RMD's Explained: Ep 23
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9:49
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9:49Hey Rich Girls, Kirby here - RMD’s, which stand for Required Minimum Distributions, are an elusive topic for those nearing retirement - until you actually have to start taking them. So what are they, when do you need to start taking them & is there a way to AVOID them? **please note this is not investment advice, just my opinion & should be used fo…
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What Does A Presidential Election Year Mean For Your Bottom Line? Ep 22
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12:11Hey Rich Girls, Kirby here - it’s 2024, and you know what that means - it’s a presidential election year. Historically, major election years wreak havoc on the stock market; think volatile, wild price swings, tons of media coverage and insane speculations as to how the world will implode if one candidate wins over the other. Is there anything we ca…
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Hey Rich Girls, Kirby here - while your top tax rate is typically what gets discussed the most, your effective tax rate is a much better indicator of how much you are ACTUALLY paying in taxes - so let’s calculate yours today! **please note this is not investment advice, just my opinion & should be used for entertainment purposes only** CONNECT WITH…
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Charitable Accounts, AKA Donor Advised Funds Explained : Ep 21
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15:18Hey Rich Girls, Kirby here - ever wonder how top income earners - celebrities, business moguls & millionaires - are able to pay so little in taxes? Well today I’m taking you through charitable accounts, otherwise known as Donor Advised Funds, and how YOU might be able to use them to your advantage. **please note this is not investment advice, just …
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IRA Excess Contribution | How To Avoid Taxes & Penalties
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10:46Worried about over-contributing to your IRA? I got you covered! Today we are going to go over what an excess contribution is, how to fix an over contribution in order to avoid taxes and penalties, and give you some tips & tricks on how to avoid this error in the future. **please note this is not investment advice, just my opinion & should be used f…
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How To Pay $0 In Taxes AND Get A Refund Feat. The Tax Saver's Credit: Ep 20
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11:01Hey Rich Girls, Kirby here - Ever wondered how you can pay $0 in taxes AND get a refund? Tune in to find out! And yes, this is perfectly by the book! **please note this is not investment advice, just my opinion & should be used for entertainment purposes only** CONNECT WITH ME: YouTube: https://m.youtube.com/@richgirlsguide Threads: https://www.th…
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Child Tax Credit & Dependent Care Tax Credit, Explained
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10:01Got kids? Get the most back on your taxes this year! I'm breaking down how child tax credit & Dependent care tax credit work, and how YOU can make them work in your favor. **please note this is not investment advice, just my opinion & should be used for entertainment purposes only** CONNECT WITH ME: YouTube: https://m.youtube.com/@richgirlsguide Th…
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College Savings Account AKA 529 Accounts Part 2, Explained: Ep 19
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27:16Hey Rich Girls, Kirby here - wondering whether or not you should be saving for your child's college education? I’ll give you the low down on EVERYTHING you need to know about college savings accounts so that you can make an informed decision for your family. **please note this is not investment advice, just my opinion & should be used for entertain…
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College Savings Account AKA 529 Accounts, Explained: Ep 18
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31:59Hey Rich Girls, Kirby here - wondering whether or not you should be saving for your child's college education? I’ll give you the low down on EVERYTHING you need to know about college savings accounts so that you can make an informed decision for your family. **please note this is not investment advice, just my opinion & should be used for entertain…
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How To Live Off Of Dividends & Interest AKA The 4% Rule
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8:28
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8:28Have you ever wondered how people live off of their dividends and interest? Well then you are in luck - today we are breaking down how you can calculate how much YOU would need to live off dividends & interest! USE MY ALLY BANK REFERRAL LINK: https://ally.com/referral?code=9C5K7J9Y6D to help you get started, you can get up to a &125 bonus from Ally…
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How much should you have in your emergency fund? What should it be invested in? Where should you hold it??? You will be able to answer ALL of these questions by the end of today’s episode, AND we’ll even get you set up with a timeline on when you can achieve a fully funded emergency fund. USE MY ALLY BANK REFERRAL LINK: https://ally.com/referral?co…
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