Should You Take Itemized Deduction or Standard Deduction?

Are Women Choosing Independence OVER Marriage?

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: YouTube: https://www.youtube.com/ ⁨@RichGirlsGuidewithKirby⁩ [https://studio.youtube.com/channel/UCna5UWGR_wG1blbmwbjAHAQ]  Threads: ⁠https://www.threads.net/@richgirlsguidepodcast⁠  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: 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  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.

How To Become Financially Independent In 5 Easy Steps | Ep 58

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: YouTube: https://www.youtube.com/@RichGirlsGuidewithKirby Threads: ⁠https://www.threads.net/@richgirlsguidepodcast⁠  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 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.

Build WEALTH With Atomic Habits! March Book Review

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: YouTube: https://www.youtube.com/@richgirlsguidewithkirby  Instagram: https://www.instagram.com/richgirlsguidepodcast/  TikTok: https://www.tiktok.com/@richgirlsguide 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    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: 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  financial education , atomic habits review , behavioral finance , atomic habits , motivation , productivity , financial freedom , personal finance , james clear , financial goals , passive income , atomic habits summary , money management , financial literacy , personal development , wealth building , goal setting , productivity tips , financial independence , mindset shift, 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, excel, financial calculator, financial tips, personal finance tips, financial literacy, money, money tips, money management, personal development.

Ep 57: Avoid INVESTMENT Paralysis with Four These Simple Strategies

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  CONNECT WITH ME: Instagram: https://www.instagram.com/richgirlsguidepodcast/ TikTok: https://www.tiktok.com/@richgirlsguide YouTube: https://www.youtube.com/@RichGirlsGuidewithKirby 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 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  stock market , analysis paralysis , risk management , trading psychology , real estate , how to overcome analysis paralysis , financial freedom , forex trading , portfolio management , how to stop paralysis by analysis , overcoming analysis paralysis , paralysis by analysis , real estate investing , how to stop overthinking , passive income , personal finance , financial literacy , wealth building , investing for beginners , overcoming fear , 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.

Should You Take Itemized Deduction or Standard Deduction?

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** CONNECT WITH ME: YouTube: https://www.youtube.com/@richgirlsguidewithkirby [https://www.youtube.com/@richgirlsguidewithkirby]  Threads: ⁠https://www.threads.net/@richgirlsguidepodcast⁠  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: 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  income tax, itemized vs standard deductions, itemized deduction vs standard deduction, standard vs itemized deductions, standard vs itemized deduction, standard deduction vs itemized, standard deduction vs itemized deduction, what is standard deduction, itemized deductions vs. standard deduction, what is the standard deduction, itemized deduction, budgeting, personal finance, deductions explained, standard deduction, IRS, tax strategies, 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.