Kirby Delloiacono public
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Hey, Rich Girls! This is Rich Girls' Guide, where we demystify the world of personal finance to help you create a financially successful & fulfilling life. I'm your host, Kirby, and I worked in wealth management for over 6 years before leaving the office to focus on raising my two daughters and growing my own business. Are you ready to chat all things money, budgeting & personal finance? Then you are in the right place! We'll dive into investing 101, learn how to build wealth, stock market i ...
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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 Th…
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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…
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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:/…
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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.i…
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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 enterta…
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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: YouTub…
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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 t…
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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/@richgirlsg…
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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…
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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 yo…
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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 In…
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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 inve…
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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 thi…
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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…
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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/@r…
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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 fo…
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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 ca…
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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…
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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 …
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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 f…
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Hey Rich Girls, Kirby here - Ever wondered how you can pay $0 in taxes AND get a refund? Tune in to find out! And yes, this is perfectly by the book! **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.th…
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Got kids? Get the most back on your taxes this year! I'm breaking down how child tax credit & Dependent care tax credit work, and how YOU can make them work in your favor. **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 Th…
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Hey Rich Girls, Kirby here - wondering whether or not you should be saving for your child's college education? I’ll give you the low down on EVERYTHING you need to know about college savings accounts so that you can make an informed decision for your family. **please note this is not investment advice, just my opinion & should be used for entertain…
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Hey Rich Girls, Kirby here - wondering whether or not you should be saving for your child's college education? I’ll give you the low down on EVERYTHING you need to know about college savings accounts so that you can make an informed decision for your family. **please note this is not investment advice, just my opinion & should be used for entertain…
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Have you ever wondered how people live off of their dividends and interest? Well then you are in luck - today we are breaking down how you can calculate how much YOU would need to live off dividends & interest! USE MY ALLY BANK REFERRAL LINK: https://ally.com/referral?code=9C5K7J9Y6D to help you get started, you can get up to a &125 bonus from Ally…
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How much should you have in your emergency fund? What should it be invested in? Where should you hold it??? You will be able to answer ALL of these questions by the end of today’s episode, AND we’ll even get you set up with a timeline on when you can achieve a fully funded emergency fund. USE MY ALLY BANK REFERRAL LINK: https://ally.com/referral?co…
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Hey Rich Girls, Kirby here - today we are going to break down exactly how to calculate your net worth, how much it should be increasing year over year, and why tracking your progress is KEY to growth. CONNECT WITH ME: YouTube: https://m.youtube.com/@richgirlsguide Threads: ⁠https://www.threads.net/@richgirlsguidepodcast⁠ Instagram: https://www.inst…
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Hey Rich Girls, Kirby here - and today we are going to discuss how you should be handling money and finances as a couple. RESOURCES: National Domestic Violence Hotline: 800-799-7233 Women Helping Women 24/7 Hotline: 1-877-889-5610 **please note this is not investment advice, just my opinion & should be used for entertainment purposes only** CONNECT…
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Hey Rich Girls, Kirby here - come with me to see whether or not my family of four is able to stick to an $800 grocery budget for the month of January! While it's not exactly frugal living, it is WAY less than we normally spend on groceries! **please note this is not investment advice, just my opinion & should be used for entertainment purposes only…
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Are your accounts recession proof? Recession or not, your accounts should ALWAYS be recession proof, and I have 5 tips for you today that will help you do just that... USE MY ALLY BANK REFERRAL LINK: https://ally.com/referral?code=9C5K7J9Y6D to help you get started, you can get up to a &125 bonus from Ally bank to get you started on your savings jo…
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Hey Rich Girls, Kirby here - Want to invest your first $1k but don’t know where to begin? I’ll walk you through 5 easy steps so that you can get started investing TODAY! USE MY ALLY BANK REFERRAL LINK: https://ally.com/referral?code=9C5K7J9Y6D You can get up to a $125 sign up bonus from Ally Bank to get you started on your savings journey! Just use…
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Hey Rich Girls, Kirby here - today I am spilling the secrets about ETF’s; what they are, why you might want to consider investing in them, and 3 reasons why you need to know WTF they are! *please note this is not investment advice, just my opinion & should be used for entertainment purposes only* CONNECT WITH ME: Threads: ⁠https://www.threads.net/@…
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Get your mind out of the gutter! Hey Rich Girls, Kirby here - and today we are breaking down whether the size of your credit score REALLY matters, the amount of money it could be costing you and of course some tips & tricks to make your score bigger. **please note this is not investment advice, just my opinion & should be used for entertainment pur…
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Hey Rich Girls, Kirby here - and I am spilling the tea on EVERYTHING you need to know as a first time homebuyer. Homebuying hacks I can get behind, which ones I would avoid, interest rates, realtors - we're discussing it all today! **please note this is not investment advice, just my opinion & should be used for entertainment purposes only** CONNEC…
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Hey Rich Girls, Kirby here - and today we have a different kind of episode. We are following the 'That Girl' trend, but instead we are becoming a 'Rich Girl'. **please note this is not investment advice, just my opinion & should be used for entertainment purposes only** CONNECT WITH ME: Instagram: https://www.instagram.com/richgirlsguidepodcast/ Ti…
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Hey Rich Girls, Kirby here - and today is my very first bonus episode! We are doing a short & sweet overview of Roth IRA backdoor contributions for those of you high earners who need ~options~ **please note this is not investment advice, just my opinion & should be used for entertainment purposes only** Follow along on my 2024 budgeting journey: //…
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Hey Rich Girls, Kirby here - and today we are building a budget that we will ACTUALLY follow! Join me in embarking upon a budgeting journey for the ENTIRE YEAR of 2024! **please note this is not investment advice, just my opinion & should be used for entertainment purposes only** Follow along on my 2024 budgeting journey: //www.tiktok.com/@richgirl…
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Hey Rich Girls, Kirby here - and today is an unhinged holly jolly Q&A episode answering your burning 401k questions! **please note this is not investment advice, just my opinion & should be used for entertainment purposes only** Part 1 of the 401k series: https://youtu.be/yqgPNO-Rt2Q?si=RWdSXDCYgJHgzFUc Part 2 of the 401k series: https://youtu.be/e…
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Hey Rich Girls, Kirby here - and today is the LAST SEGMENT in our 401k series! We are answering my most asked question regarding 401k’s and retirement in general: how much should I be saving for retirement?? Part 1 of the 401k series: https://youtu.be/yqgPNO-Rt2Q?si=RWdSXDCYgJHgzFUc Part 2 of the 401k series: https://youtu.be/ebMfHFv6pLs?si=Fn_c0LK…
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Hey Rich Girls, Kirby here - and today we are going to look at our specific investment options within our 401k. I am giving you all the tips that I use for my own personal 401k! This is part 3 of a 4 part series, so buckle up and get ready to take some notes. Part 1 of the 401k series: https://youtu.be/yqgPNO-Rt2Q?si=RWdSXDCYgJHgzFUc Part 2 of the …
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Hey Rich Girls, Kirby here - and today we are dissecting the STOCK MARKET! Let’s call this class Stock Market 101. This is part 2 of a 4 part series, so buckle up and get ready to take some notes. CONNECT WITH ME: Instagram: https://www.instagram.com/richgirlsguidepodcast/ TikTok: https://www.tiktok.com/@richgirlsguide YouTube: ⁠Rich Girl’s Guide -…
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Hey Rich Girls, Kirby here - and we are doing a DEEP DIVE into all things 401k’s! This is part 1 of a 4 part series, so buckle up and get ready to take some notes. Self employed timestamp: 25:23 Instagram: https://www.instagram.com/richgirlsguidepodcast/ TikTok: https://www.tiktok.com/@richgirlsguide YoutTube: https://m.youtube.com/@richgirlsguide …
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Hey, Rich Girls! Today I'm giving you a motivational pep talk (OK, maybe more of a big sis real talk) about how NOT to go broke this Black Friday. Want YOUR money question to be answered on an upcoming episode? Submit an anonymous question here: https://richgirlsguidepodcast.com/contact Instagram: https://www.instagram.com/richgirlsguidepodcast/ Ti…
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Hey Rich Girls, Kirby here! Today we are answering the question: to roth, or not to roth? Follow along: Instagram: https://www.instagram.com/richgirlsguidepodcast/ TikTok: https://www.tiktok.com/@richgirlsguide YouTube: https://m.youtube.com/@richgirlsguide Spotify: https://open.spotify.com/show/6suGRkd9m1kjNNiRvbLhT7 Amazon Music: https://music.am…
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Hey Rich Girls, Kirby here - our first episode is diving into the topic of credit cards. Love 'em? Hate 'em? Join the club! Follow along: YouTube: https://m.youtube.com/@richgirlsguide Instagram: https://www.instagram.com/richgirlsguidepodcast/ TikTok: https://www.tiktok.com/@richgirlsguide Spotify: https://open.spotify.com/show/6suGRkd9m1kjNNiRvbL…
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