Rich Girls' Guide

Hey 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 is not investment advice, just my opinion & s...

Hey 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 expect their retirement to look like and whether or no...

Hey 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/@richgirlsguidepodcast⁠  Instagram: https://www.ins...

Hey 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.youtube.com/@richgirlsguidewithkirby Threads: ⁠ht...

Hey 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://www.threads.net/@richgirlsguidepodcas...

Hey 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 Threads: ⁠https://www.threads.net/@richgirls...

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.threads.net/@richgirlsguidepodcast Instagram:...

Hey 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://www.instagram.com/richgirlsguidepodcast/ TikT...

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.instagram.com/richgirlsguidepodcast/ TikTok: ht...

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 entertainment purposes only** CONNECT WITH ME: YouTub...

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: YouTube:  www.youtube.com/@richgirlsguide Threads: h...

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 the avalanche method, which prioritizes paying off...

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/@richgirlsguide Threads: https://www.threads.net/@richgir...

STOP 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 going to find that out right now.   **please note...

Hey 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 your way to get there.  **please note this is not in...

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  Instagram: https://www.instagram.com/ri...

Hey 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 investment advice, just my opinion & should be...

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 this is not investment advice, just my opinion &...

Hey 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 Threads: ⁠ ⁠https://www.threads.net/@richgir...

Hey 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/@richgirlsguide⁠ Threads: ⁠ ⁠https://www.threads...

Hey 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 for entertainment purposes only** CONNECT WI...

Hey 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 can learn from years past before making any rash dec...

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 ME: YouTube: ⁠https://m.youtube.com/@richgirl...

Hey 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 my opinion & should be used for entertainm...

Worried 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 for entertainment purposes only** CONNECT...