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

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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
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Manfrotto Camera Tripod: https://amzn.to/3W1Secm
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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

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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


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

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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**

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

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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