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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Welcome to "Tapas & Pretzels," the engaging and insightful podcast brought to you by adorsys. Join us on a journey through the dynamic world of digital transformation with our knowledgeable hosts Tim Biedenkapp and Inga Glotzback from Germany, and our esteemed guest host David Roldan from Spain. Every two weeks, "Tapas & Pretzels" delves deep into the latest trends and developments, from the intricacies of APIs to the groundbreaking advancements in AI technologies. Our hosts bring a wealth o ...
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Ever wondered what the hack does business persons are doing? How are they live the extra Rich life? What they are planning to do, to be in the business for years? Hey everyone, here I'm Introducing my Podcast channel. a place where we talk about Marketing, Business, Strategies, Creatives, Entrepreneurship, and more. and we will discuss various aspects of business & startups. so, fasten your seat belts and come join me in this journey of knowing everything about Entrepreneurs and StartUps. Wa ...
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This series was inspired by seeing firsthand the need for sales knowledge in the startup community – brilliant minds who could create anything but did not know how to find clients or sell their services. The goal of this event and these videos is for listeners to authentically receive process design, tools used, and tips on what works to successfully grow revenue and therefore, grow businesses. This series is for entrepreneurs, small businesses, intraprenuers, solopreneurs, nerds, creators, ...
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Subscribe to our newsletter and get first dibs on all the latest updates, insights, and lessons from Honey I Blew Up The Business: https://signup.honeyiblewupthebusiness.com If you are wondering, "who is this guy and why should I listen to his podcast?" Read this. Your host, Dan Kirby, has been an entrepreneur since 2001 and knows what it's like to experience the highest of highs and the lowest of lows. In 2004, Dan co-founded The Tech Dept, who built BBC Children in Need's fundraising platf ...
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ABOUT: With over 13 years in Bangkok Thailand, Emanuel Skinner has become a household name and a house music icon locally and abroad. Originally from San Francisco and now a Phuket local sharing his vision and sound all across South East Asia . With over 20 years experience filling the best and biggest venues from Jakarta, Singapore, China, India, to South Korea, Bangladesh to Malaysia, the Maldives, Myanmar, Cambodia, Vietnam and all over Thailand (Chang Mai, Koh Tao, Koh Samui, Phuket, Pat ...
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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** CLAIM YOUR $50 …
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Surviving Inflation: 5 Money Tips You NEED to Know Now | Ep 48
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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…
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Ep 47 | Agenda 47: Taxes & Economic Policy, Explained
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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 versio…
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Are We Entering A Financial Femininomenon Era? (Alex Cooper, Taylor Swift, Harris Campaign)
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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…
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Will The Harris Administration Raise Your Taxes? (Kamala Harris, Tim Walz, DNC)
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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 prom…
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The Five Year Rule For Roth IRAs, Explained
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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…
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How Much Money Should You Have By Age 30? (2024)
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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 t…
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Confused About What A Fed Rate Cut Could Mean For You? | Jerome Powell & Interest Rates
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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 bre…
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Brand New Rule Allowing For $1k PENALTY FREE Retirement Withdrawal | Secure Act 2.0
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Hey Rich Girls, Kirby here - did you know there was a brand-new ruling allowing for a $1k PENALTY FREE withdrawal from your retirement account that took effect this year?? Me neither - so let me fill you in on ALL the deets! **please note this is not investment advice, just my opinion & should be used for entertainment purposes only** CONNECT WITH …
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Create Your Personalized Budget In 5 Min Or Less Using AI and ChatGPT
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Hey Rich Girls, Kirby here - have you been struggling with creating or maintaining a personal budget? Today we are going to let AI do the work us, by creating a completely personalized monthly budget - just for you! GET YOUR FREE MONTHLY BUDGET TEMPLATE HERE: http://eepurl.com/iUT3So **please note this is not investment advice, just my opinion & sh…
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BIG CHANGES Coming For 401k Catch-Up Contributions (Secure Act 2.0, Roth 401k & More)
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Hey Rich Girls, Kirby here - today we are diving right into a timely topic that just might affect you or someone you love starting in 2026 - and while you might think that date is way far ahead in the future, the reality is that you need to start making changes NOW in order to get ahead of this potentially huge retirement change. **please note this…
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5 Crucial Questions To Ask Your Parents BEFORE They Retire
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Hey Rich Girls, Kirby here - are your parents nearing retirement age? Did you know that the median retirement savings for those aged fifty five to sixty four is only one hundred and eighty five thousand dollars? If your parents are thinking about retiring soon, you might want to sit down and have a candid conversation with them about what they expe…
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Metadata and Context: Enhancing AI Applications
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In this conversation, Andrea Gioia discusses the importance of managing data as a product and the challenges associated with traditional data management approaches. He explains the concept of data products and how they can be modularized to create scalable and sustainable solutions. Andrea also highlights the need for a convergent platform that int…
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In this engaging episode of Tapas and Pretzels podcast, our hosts welcome Mark Kram, Technical Lead AI & Information Management . As the conversation unfolds, it centers on the complexities and challenges businesses face when integrating AI into their operations. Mark sheds light on the common misconceptions about AI, emphasizing the importance of …
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The next episode of "Tapas and Pretzels" welcome Rafael Escaño Marín, Senior Manager Customer Success at Salesforce . Rafael brings over 20 years of IT experience and a passion for customer success and community building. We'll discuss the critical role of communities in driving customer success, the integration of MuleSoft's API programs with Sale…
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In the next episode of "Tapas and Pretzels," we welcome Eliud Polanco, president of Fluree with over 20 years of experience in data analytics and technology, he brings a wealth of knowledge to the discussion. We'll explore the complexities of data management in large organizations, the innovative solutions Fluree offers for data integration, and th…
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Lost Your Job? Listen Up. (Tips For Overcoming Unemployment & Being Prepared For A Lay Off)
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Hey Rich Girls, Kirby here - and today we are tackling an uncomfortable conversation; losing your job and navigating unemployment. **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 Threads: https://www.threads.net/@richg…
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Unlocking Efficiency: Bridging the Gap Between Data and APIs with Erik Wilde
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Join us in this insightful Tapas and Pretzels podcast episode featuring Erik Wilde, a renowned voice in API development. Erik shares valuable insights into the challenges of managing data and APIs separately within organizations, highlighting the importance of bridging the gap between these two crucial domains for enhanced efficiency and productivi…
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Unraveling the API Gateway Maze: Simplification and Standardization with Daniel Kocot
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In this insightful podcast episode, the hosts engage in a deep dive discussion with Daniel Kocot from codecentric on the complexities of API federation and the challenges surrounding standardisation in the API gateway market. They explore the need for a shift towards simplification and standardisation to enable easier adoption and value creation in…
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How To DOUBLE Your Money Every 7 Years Using Compound Growth (Dividend Reinvestment & Interest)
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Hey Rich Girls, Kirby here - Did you know that if you utilize compound growth, you can DOUBLE your money every 7 years, without adding an extra PENNY to your investments?! Find out how in today’s episode! **please note this is not investment advice, just my opinion & should be used for entertainment purposes only** CONNECT WITH ME: YouTube: www.you…
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Answering MORE of Reddit's Money Questions | Ep 35
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Hey Rich Girls, Kirby here - and today I'm answering MORE of reddit's money questions! MY NEW YOUTUBE CHANNEL: www.youtube.com/@RichGirlsGuidewithKirby **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 Threads: https://w…
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Women Working in Male Dominated Fields | Ep 34
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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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API Context Unveiled: Pioneering the Future of Banking
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Discover the future of the banking industry in the 11th podcast of Tapas&Pretzels! In this captivating discussion, David O’Neal, David, and Tim dive into the world of regulated APIs, Open Banking, and the challenges of API governance. Learn how these innovations are reshaping the landscape of financial services. Don’t miss this in-depth analysis of…
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Federated API Gateways Unveiled: Exploring the Future of Seamless API Management
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Join us in this episode of the Tapas and Pretzels podcast as we delve into the world of Federated API Gateways with Markus Mueller, the CTO of APIIDA. Discover why Federated API Gateways are becoming increasingly important for companies, the challenges they address, and the benefits they offer in simplifying API management across diverse environmen…
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Decoding the API Realm: API Programs, API Products & Product APIs – How is it related to spaghetti?
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Are you ready to grasp the connection between APIs and spaghetti? Decoding the API Realm: Understanding API Programs, API Products, and Product APIs – And how is it related to spaghetti? Have you ever wondered how API programs differ from API products? Or why the Business Sponsor is so crucial in this context? Join us as we navigate through the jun…
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Enhancing Developer Experience for APIs: A Deep Dive
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Welcome to the sixth episode of “Tapas & Pretzels”! In this installment, we venture into the world of “Developer Experience for API,” exploring its critical role in optimising API utilisation. Join us as we dissect strategies to elevate API usability and unlock the secrets to a smoother developer experience. Our discussion is packed with valuable i…
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Decoding Tech: Unraveling the Intricacies of API & Data Contracts
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Dive into the fascinating realm of 'API Contracts vs. Data Contracts' with us in our upcoming YouTube episode! We'll dissect the crucial distinctions and shared elements between these two fundamental components, unveiling their unique roles within the technological landscape. Explore the synergy between API contracts and data contracts as we unrave…
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Unlocking the Future: Navigating New Trends in API Platforms for Seamless Integration and Innovation
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Dive into the fascinating realm of "API Contracts vs. Data Contracts" with us in our upcoming episode! We'll dissect the crucial distinctions and shared elements between these two fundamental components, unveiling their unique roles within the technological landscape. Explore the synergy between API contracts and data contracts as we unravel how th…
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API Security Unveiled: Unmasking Threats, Strategies for Corporate Protection
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More than 50% of all IT attacks since 2023 originate from APIs, and successful breaches can lead to serious data leaks, posing not only a threat to a company's reputation but also significant economic consequences. In this podcast episode, we welcome Jose Haro Peralta – a renowned API Security expert and author. We delve into the importance of API …
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BBVA Paving the Way to an OpenFinance API Strategy: Behind-the-Scenes with José Luis Navarro Llorens
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José Luis Navarro Llorens, Strategist Open Banking at BBVA, takes us on a fascinating journey. Discover how BBVA is breaking down silos and elevating API quality and maturity to an entirely new level. Highlights of the Video: - Federated API Management: Experience how BBVA creates seamless connections and efficiently exchanges data between differen…
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RPA chances and risks. Where to use it, and how to position it in your API strategy
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In this episode, we will be discussing Robotic Process Automation (RPA) - its pros and cons. RPA is an exciting technology that assists companies in automating their business processes. First, we will take a look at where and when RPA can be implemented. From automating repetitive tasks in the finance department to process optimisation in customer …
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API governance framework and the key principles behind the API governance framework
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In this episode of “Tapas&Pretzels”, Tim and David talk about API governance framework. They share thoughts and best practices to effectively control and manage APIs on an enterprise level. Join David & Tim to get an introduction to API governance and the key principles behind the api governance framework. Don't forget to hit the like button and sh…
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Artificial Intelligence Regulation – Digital Transformation and beyond
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In this podcast episode, Tim & David share their perspective on artificial intelligence regulation and highlight the challenges as well as possible solutions for responsible use of AI technologies. Furthermore, they discuss significant aspects such as privacy, innovation, and human engagement to raise awareness and enthusiasm for the topic of AI re…
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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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My Top 5 Tips From Working In Wealth Management | Ep 33
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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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What Is The Best Method To Pay Off Debt?
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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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Fire Movement: Financial Independence, Retire Early | Ep 30
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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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9 Side Hustle Ideas You Can Start Today (Beginner to Expert)
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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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Payday Routine: Small Business Owner & Former Wealth Management Worker Ep 27
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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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Is Student Loan Forgiveness Actually Happening? Ep 25
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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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6 Money Habits That Are Keeping You Poor: Ep 24
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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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Required Minimum Distributions AKA RMD's Explained: Ep 23
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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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What Does A Presidential Election Year Mean For Your Bottom Line? Ep 22
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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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