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**

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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

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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
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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
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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.

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
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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

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