Hey 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**

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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 - 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 a positive spin on it, by going through five tips on how YOU can navigate inflation and use it to your advantage.

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

GET $50 WHEN YOU OPEN A HIGH YIELD SAVINGS ACCOUNT WITH ALLY BANK: www.ally.com/referral?code=9C5K7J9Y6D

Budgeting Episode: https://youtu.be/lRKCLA6jwYI?si=qVj3hxZLzld1gfxG

Free Budgeting Template: http://eepurl.com/iUT3So

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TIMESTAMPS:
00:00 Intro
00:54 Tip #1
2:48 Tip # 2
5:07 Tip #3
7:36 Tip #4
9:08 Tip #5

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ARTICLES MENTIONED:
https://www.nerdwallet.com/article/finance/data-2023-budgeting-report

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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 - 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 version of project 2025.

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

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ARTICLES MENTIONED:

Agenda 47: https://www.donaldjtrump.com/platform

Project 2025: https://www.project2025.org/

Project 2025 ties to Trump policies: https://www.cbsnews.com/news/project-2025-proposals-trump-policies/

Trumps campaign promises: https://www.usatoday.com/story/news/politics/elections/2024/08/17/trumps-20-core-promises-platforms/74794083007/

Trump 2024 Tax Promises: https://taxfoundation.org/research/federal-tax/2024-tax-plans/

Trump tariff proposals: https://www.nytimes.com/2024/09/10/us/politics/trump-enthusiasm-tariffs.html

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

donald trump, kamala harris, biden, project management, what is project 2025, 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 - 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 question: are we entering a financial Femininomenon Era? Let’s discuss.

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

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TIMESTAMPS:

00:00 Intro
0:41 Call Her Daddy Podcasting Deal
3:32 Taylor Swift Eras Tour & Female Artists
10:03 Kamala Harris Record Breaking Fundraising

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ARTICLES MENTIONED:
Call Her Daddy Spotify Deal: https://www.latimes.com/entertainment-arts/story/2022-06-09/how-alexandra-cooper-call-her-daddy-podcast-empire
Call Her Daddy Sirius XM Deal: https://variety.com/2024/digital/news/alex-cooper-deal-siriusxm-call-her-daddy-exclusive-content-1236112140/
Equal Credit Opportunity Act: https://www.forbes.com/advisor/banking/when-could-women-open-a-bank-account/#:~:text=It%20wasn't%20until%201974,a%20signature%20from%20the%20 husbands.
Eras Tour Revenue: https://time.com/6900208/taylor-swift-eras-tour-anniversary-stats/
Rise of Chappell Roan: https://www.vox.com/culture/358464/chappell-roan-rise-and-fall
Harris Campaign Fundraising: https://www.nytimes.com/2024/09/06/us/politics/harris-august-fundraising-trump.html
Kamala Harris Record Breaking Fundraising: https://www.npr.org/2024/08/02/g-s1-14927/kamala-harris-fundraising

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 - 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 promises the majority of Americans will not face increased taxes? Today we are going to do some digging to get to the bottom of how the majority of Americans will ACTUALLY be affected by these new promises being made by the Harris campaign.

**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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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:
WSJ Article: https://www.wsj.com/politics/policy/kamala-harris-tax-plan-2024-election-10f95d18?mod=hp_lead_pos1

Tax Foundation: https://taxfoundation.org/data/all/federal/tax-calculator-tcja-expiration/

Distribution of Household Income: https://www.statista.com/statistics/203183/percentage-distribution-of-household-income-in-the-us/

Harris Tax Promises: https://www.forbes.com/sites/robertwood/2024/08/28/kamala-harris-has-big-plans-for-your-taxes-here-is-what-you-could-pay/

Corporate Tax Cuts: https://taxfoundation.org/blog/corporate-tax-cuts-worker-wages/

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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, donald trump, trump, voter concerns, news, economic impact, democratic national convention, joe biden, trump campaign, finance news, tax reform, 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 - 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 purposes only**

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ARTICLES MENTIONED:

Roth IRA Contribution Limits: https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-ira-contribution-limits#:~:text=For%202023%2C%20the%20total%20contributions,taxable%20compensation%20for%20the%20year

Future Value Calculator: https://www.calculator.net/future-value-calculator.html

Five year rule: https://www.bankrate.com/retirement/roth-ira-5-year-rule/#:~:text=The%20Roth%20IRA%20five%2Dyear%20rule%20says%20you%20cannot%20withdraw,%C2%BD%20or%20105%20years%20old.Roth IRA withdrawal flowchart: https://obliviousinvestor.com/roth-ira-withdrawal-rules/

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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 - 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 that there was one major, important goal that my husband and I are crushing: we have a solid retirement bucket, and are on track to retire at the age we want and continue the lifestyle that we are currently living. So, with that being said, how much money SHOULD you have by the time you turn 30?

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

CLAIM YOUR FREE $50 SIGN UP BONUS: https://ally.com/referral?code=9C5K7J9Y6D

EPISODES MENTIONED:
What Is The BEST Debt Payoff Method?: https://youtu.be/sCajbj7100A?si=_-l_6YBevpbJfckA
Emergency fund: https://youtu.be/6PI293mJtgg?si=TjvfSOzskC1cIkIE
Compound growth: https://youtu.be/xhtXs3mL2Cg?si=nhmj-jzXhXb7y_Yn
Retirement savings: https://youtu.be/WKooH0JVKjY?si=CnEQQF4wt-QdjGPU

CONNECT WITH ME:
YouTube: 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

TIMESTAMPS:
00:00 Intro
3:40 Your free $50 bonus
4:49 Debt
9:42 Emergency fund savings
12:20 Retirement savings
14:27 Short term savings and investments
16:36 Real assets

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ARTICLES MENTIONED:
https://www.nerdwallet.com/article/finance/average-net-worth-by-age

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 - 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 break it out at your next happy hour.

**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
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Spotify: https://open.spotify.com/show/6suGRkd9m1kjNNiRvbLhT7
Apple Podcasts: https://podcasts.apple.com/us/podcast/rich-girls-guide/id1716403850

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

TIMESTAMPS:

0:00 Intro
0:42 WTF is “the fed”
4:30 What is a rate cut or rate hike?
8:36 What does a rate cut mean for my bottom line?
10:30 What happened at the July fed meeting…

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ARTICLES MENTIONED:
Federal reserve: https://www.federalreserve.gov/aboutthefed/fedexplained/who-we-are.htm

History of the Fed: https://www.stlouisfed.org/in-plain-english/history-and-purpose-of-the-fed#:~:text=A%20particularly%20severe%20panic%20in,to%20address%20these%20banking%20panics.

July Fed Meeting: https://www.wsj.com/economy/central-banking/federal-reservice-interest-rate-decision-b5c39738?page=1

Jay’s July 2024 Congress Testimony: https://www.reuters.com/markets/us/feds-powell-before-congress-could-show-developing-case-rate-cut-2024-07-09/

Jobs report / unemployment: https://www.wsj.com/economy/jobs/jobs-report-july-unemployment-economy-8b7e6db7

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