Future Rich with Barbara Ginty, CFP®

Hosted by Future Rich

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About the show

By 2030, women will control more wealth than most countries' GDP, yet women still don't talk about money! Future Rich Podcast aims to change that! We are a female-hosted and female-focused podcast that covers all things money -- how it is spent, saved, and everything in between! Our host Barbara Ginty is a Certified Financial Planner with over a decade of experience. She is a true expert in the field of finances, managing over 100 million dollars. Her conversations go DEEP and give insight into the REAL finances of everyday women, along with various inspirational guests and financial experts! Listen in to hear about the dirty topic no one wants to talk about....money.

Listen to episodes

60 recent

1 hr 9 min

335. Simone "115K Salary with 775K Saved. Can She Retire at 57?"

To retire early, or not retire early? In this episode of Future Rich, CFP® Barbara Ginty sits down with Simone to discuss her very different retirement options. Simone is 54 years old and lives in Chicago, is child-free, and has her own home separate from her partner. She works as an Executive Assistant and brings home $115K per year plus a 5% bonus. Simone's savings are impressive. She has around $775K saved across her different accounts and has no debt aside from her mortgage, which is very manageable. Her biggest expenses are dining out and traveling, which she prioritizes and saves for in a high-yield savings account. In this episode, Barb and Simone discuss: Simone's current financial situation and savings The impact of ESOP on retirement wealth Strategies for retiring early and managing health insurance Balancing lifestyle expenses like travel and dining Planning for income gaps before Social Security kicks in Timing and planning for early retirement Social Security benefits and planning Balancing her current lifestyle with future security If you'd like to be a guest on the podcast, we are looking specifically for women who want to discuss their personal finances and have questions about retirement planning, Social Security, and more. 💌 DM us on Instagram (@futurerichpodcast) or apply here . Let’s make it happen! ✨ #FutureRichPodcast **All of our newsletters have moved to Substack, so subscribe if you want to keep in the loop with all things Future Rich! Subscriptions are FREE! Subscribe to our YouTube Follow us on TikTok Follow us on Instagram Visit the Future Rich Podcast website for Financial Freebies and Classes Leaving reviews on the podcast is the best way to boost us on the podcast platforms and help more listeners get #FutureRich Download a free guide today to help plan your financial future! The content in this podcast is for informational purposes only. All investment strategies and investments involve risk of loss. Nothing contained in this podcast should be construed as investment advice. Any reference to an investment's past or potential performance is not, and should not be construed as, a recommendation or as a guarantee of any specific outcome or profit. Advertising Inquiries: https://redcircle.com/brands

11 min

334. Barbara "How I'm Going to Use a Trump Account"

In this replay episode of Future Rich, we're sharing a segment of the Babylist Family Money podcast with Lindsey Stanberry! In this episode, Future Rich host CFP Barbara Ginty breaks down how she's weighing Trump Accounts against 529s for her own daughter. We hope you enjoy this episode! Listen to the full episode here. If you'd like to learn more about Trump Accounts, we have another dedicated episode that you can listen to here . If you'd like to be a guest on the podcast, we are looking specifically for women who want to discuss their personal finances and have questions about retirement planning, Social Security, and more. 💌 DM us on Instagram (@futurerichpodcast) or apply here . Let’s make it happen! ✨ #FutureRichPodcast **All of our newsletters have moved to Substack, so subscribe if you want to keep in the loop with all things Future Rich! Subscriptions are FREE! Subscribe to our YouTube Follow us on TikTok Follow us on Instagram Visit the Future Rich Podcast website for Financial Freebies and Classes Leaving reviews on the podcast is the best way to boost us on the podcast platforms and help more listeners get #FutureRich Download a free guide today to help plan your financial future! The content in this podcast is for informational purposes only. All investment strategies and investments involve risk of loss. Nothing contained in this podcast should be construed as investment advice. Any reference to an investment's past or potential performance is not, and should not be construed as, a recommendation or as a guarantee of any specific outcome or profit. Advertising Inquiries: https://redcircle.com/brands

51 min

333. Carla "26, Married, Medical Student & Working as a Barista"

She's 26, freshly married, living in the Midwest, and working as a barista to make ends meet — while simultaneously training to become a doctor. Meet Carla. She's a medical student pursuing family medicine and psychiatry, navigating one of the most financially demanding seasons of life: medical school, a brand new marriage, and a future that's full of potential but tight on cash right now. In this episode of Future Rich, CFP® Barbara Ginty sits down with Carla to untangle her financial picture and build a real plan, one that works on a barista's income, medical school grants, and a whole lot of determination. The good news? Carla's situation is more manageable than it might seem. She's already saving $200K in tuition through her program, has $16,500 in grants, and has a partner working and going to school simultaneously. Barb helps her see the full picture and what to do with it. In this episode, Barb and Carla discuss: How to manage $39K in student loans while still in school What saving and investing looks like on a $12K barista salary + medical school grants Why Carla's tuition-free program is a bigger financial win than she realizes Retirement planning strategies for future doctors, when to start and how How Carla and her husband can build a financial foundation together Family planning considerations during medical training: what to think about financially before having kids. The financial reality of pursuing family medicine and psychiatry and what income looks like on the other side. If you'd like to be a guest on the podcast, we are looking specifically for women who want to discuss their personal finances and have questions about retirement planning, Social Security, and more. 💌 DM us on Instagram (@futurerichpodcast) or apply here . Let’s make it happen! ✨ #FutureRichPodcast **All of our newsletters have moved to Substack, so subscribe if you want to keep in the loop with all things Future Rich! Subscriptions are FREE! Subscribe to our YouTube Follow us on TikTok Follow us on Instagram Visit the Future Rich Podcast website for Financial Freebies and Classes Leaving reviews on the podcast is the best way to boost us on the podcast platforms and help more listeners get #FutureRich Download a free guide today to help plan your financial future! The content in this podcast is for informational purposes only. All investment strategies and investments involve risk of loss. Nothing contained in this podcast should be construed as investment advice. Any reference to an investment's past or potential performance is not, and should not be construed as, a recommendation or as a guarantee of any specific outcome or profit. Advertising Inquiries: https://redcircle.com/brands

1 hr 4 min

332. Alice "How I Saved Half a Million Dollars By 32"

In this week's episode of Future Rich, CFP Barbara Ginty interviews the wonderful Alice! Alice is 32, lives in Utah with her husband, works as a CPA, and has spent the past decade of her life aggressively saving (she's the highest Roth account holder that we've ever had on the pod!) If you're curious about how Alice and her husband saved over $500K in their combined Roth Accounts throughout her 20s, this episode is packed with the kind of specific, practical advice you actually need. 🎙️ If you'd like to be a guest on the podcast, we are looking specifically for women who want to discuss their personal finances and have questions about retirement planning, social security, and more. 💌 DM us on Instagram (@futurerichpodcast) or apply here . Let’s make it happen! ✨ #FutureRichPodcast **All of our newsletters have moved to Substack, so subscribe if you want to keep in the loop with all things Future Rich! Subscriptions are FREE! Subscribe to our YouTube Follow us on TikTok Follow us on Instagram Visit the Future Rich Podcast website for Financial Freebies and Classes Leaving reviews on the podcast is the best way to boost us on the podcast platforms and help more listeners get #FutureRich Download a free guide today to help plan your financial future! The content in this podcast is for informational purposes only. All investment strategies and investments involve risk of loss. Nothing contained in this podcast should be construed as investment advice. Any reference to an investment's past or potential performance is not, and should not be construed as, a recommendation or as a guarantee of any specific outcome or profit. Advertising Inquiries: https://redcircle.com/brands

47 min

331. Barbara's Traumatic Birth Story Pt. 2 "My Battle with C. Diff and the US Healthcare System"

In this follow-up birth story episode, Barbara shares more details about her intense postpartum health journey, highlighting the importance of listening to your body, advocating for yourself, and the impact of financial preparedness on healthcare choices. *TRIGGER WARNING!* This episode discusses Barbara's traumatic birth experience. If you’re currently pregnant or are sensitive to medical and/or birth stories, we do not recommend this episode for you! This episode highlights: Postpartum complications and infections Importance of advocating for your health Impact of healthcare costs and insurance Role of financial planning in medical emergencies Lessons learned from a severe postpartum health crisis If you'd like to be a guest on the podcast, we have 8 guest spots available for the year! 💌 DM us on Instagram (@futurerichpodcast) or apply here . Let’s make it happen! ✨ #FutureRichPodcast **All of our newsletters have moved to Substack, so subscribe if you want to keep in the loop with all things Future Rich! Subscriptions are FREE! Subscribe to our YouTube Follow us on TikTok Follow us on Instagram Visit the Future Rich Podcast website for Financial Freebies and Classes Leaving reviews on the podcast is the best way to boost us on the podcast platforms and help more listeners get #FutureRich Download a free guide today to help plan your financial future! The content in this podcast is for informational purposes only. All investment strategies and investments involve risk of loss. Nothing contained in this podcast should be construed as investment advice. Any reference to an investment's past or potential performance is not, and should not be construed as, a recommendation or as a guarantee of any specific outcome or profit. Advertising Inquiries: https://redcircle.com/brands

1 hr 2 min

330. Caroline Follow Up - "Reducing My Income by 30% in this Economy!"

In this week's episode of #FutureRich, CFP Barbara Ginty is joined by a previous guest from episodes 202 and 203, Caroline and boy, has a lot changed since her last episodes in 2023! Caroline (39) and her husband (45) both live in Colorado and work full-time. They have a 2-and-a-half-year old and a six-year-old. Caroline recently made a big decision to switch jobs to decrease her stress and improve her quality of life, and has taken a massive (30%!) salary cut. In this episode, they discuss... How career changes impact household finances Budgeting for a new house and renovations Retirement savings strategies and maxing out 401ks Managing household expenses with reduced income Leveraging home equity and brokerage accounts Testing budgets before big financial commitments If you'd like to be a guest on the podcast, we are looking specifically for women who want to discuss their personal finances and have questions about retirement planning, social security, and more. 💌 DM us on Instagram (@futurerichpodcast) or apply here . Let’s make it happen! ✨ #FutureRichPodcast **All of our newsletters have moved to Substack, so subscribe if you want to keep in the loop with all things Future Rich! Subscriptions are FREE! Subscribe to our YouTube Follow us on TikTok Follow us on Instagram Visit the Future Rich Podcast website for Financial Freebies and Classes Leaving reviews on the podcast is the best way to boost us on the podcast platforms and help more listeners get #FutureRich Download a free guide today to help plan your financial future! The content in this podcast is for informational purposes only. All investment strategies and investments involve risk of loss. Nothing contained in this podcast should be construed as investment advice. Any reference to an investment's past or potential performance is not, and should not be construed as, a recommendation or as a guarantee of any specific outcome or profit. Advertising Inquiries: https://redcircle.com/brands

1 hr 6 min

329. Sabine Follow Up - How Much Do You REALLY Need to Retire?

CFP Barbara Ginty is joined by a previous guest from episode 63. 64 and 118 of the podcast , Sabine (whose previous name is Eglantine). Sabine has successfully had $150K of student loans forgiven through the public service loan forgiveness program. She lives in a two-family house and rents out the first floor, covering her mortgage, and still lives in Massachusetts with her family. Her monthly income varies from 15K-30K a year as an adjunct professor and her husband makes around 100K working in coding. In this episode, they discuss... Sabine's student loan forgiveness experience Taking a career pivot during economic uncertainty Household income and expenses management Estate planning and inheritance complexities The importance of life insurance and emergency funds College savings strategies and flexibility Adapting financial plans over time with market changes Discover insights on inheritance, life insurance, college savings, and adapting financial plans over time. Click here go to SSA.gov - Social Security Benefits Estimator If you'd like to be a guest on the podcast, we are looking specifically for women who want to discuss their personal finances and have questions about retirement planning, social security, and more. 💌 DM us on Instagram (@futurerichpodcast) or apply here . Let’s make it happen! ✨ #FutureRichPodcast **All of our newsletters have moved to Substack, so subscribe if you want to keep in the loop with all things Future Rich! Subscriptions are FREE! Subscribe to our YouTube Follow us on TikTok Follow us on Instagram Visit the Future Rich Podcast website for Financial Freebies and Classes Leaving reviews on the podcast is the best way to boost us on the podcast platforms and help more listeners get #FutureRich Download a free guide today to help plan your financial future! The content in this podcast is for informational purposes only. All investment strategies and investments involve risk of loss. Nothing contained in this podcast should be construed as investment advice. Any reference to an investment's past or potential performance is not, and should not be construed as, a recommendation or as a guarantee of any specific outcome or profit. Advertising Inquiries: https://redcircle.com/brands

8 min

328. Barbara "Three Myths About Social Security and Retirement Debunked"

This week on Future Rich, Barbara delivers a short and sweet episode debunking three myths about Social Security and retirement based on the past three episodes of the pod. 🎙️ Barb discusses Why Social Security is not guaranteed to disappear, but may be reformed. Why real estate is not always the safest or best investment for retirement. Why paying taxes in retirement indicates good financial health, not failure. If you'd like to be a guest on the podcast, we are looking specifically for women who want to discuss their personal finances and have questions about retirement planning, social security, and more. 💌 DM us on Instagram (@futurerichpodcast) or apply here . Let’s make it happen! ✨ #FutureRichPodcast **All of our newsletters have moved to Substack, so subscribe if you want to keep in the loop with all things Future Rich! Subscriptions are FREE! Subscribe to our YouTube Follow us on TikTok Follow us on Instagram Visit the Future Rich Podcast website for Financial Freebies and Classes Leaving reviews on the podcast is the best way to boost us on the podcast platforms and help more listeners get #FutureRich Download a free guide today to help plan your financial future! The content in this podcast is for informational purposes only. All investment strategies and investments involve risk of loss. Nothing contained in this podcast should be construed as investment advice. Any reference to an investment's past or potential performance is not, and should not be construed as, a recommendation or as a guarantee of any specific outcome or profit. Advertising Inquiries: https://redcircle.com/brands

46 min

327. Annie "Retirement Planning at 64: Income, Taxes & Real Estate"

She's 64. Two kids out of the house. Working at a hospital in New York. And she has ONE question on her mind right now: how do I make the most of the next chapter financially? This week on Future Rich, Annie sits down with Barb to map out exactly that: how to optimize her retirement income, why paying taxes is a good thing in retirement, and why (despite being so close to retirement) now might NOT be the time to jump into real estate. If you're approaching retirement, or helping a parent think through theirs, this episode is packed with the kind of specific, practical advice you actually need. 🎙️ Barb and Annie cover: 💰 How to optimize your retirement income 📋 Managing taxes once you're in retirement 🏠 Why real estate isn't always the smart move If you'd like to be a guest on the podcast, we are looking specifically for women who want to discuss their personal finances and have questions about retirement planning, social security, and more. 💌 DM us on Instagram (@futurerichpodcast) or apply here . Let’s make it happen! ✨ #FutureRichPodcast **All of our newsletters have moved to Substack, so subscribe if you want to keep in the loop with all things Future Rich! Subscriptions are FREE! Subscribe to our YouTube Follow us on TikTok Follow us on Instagram Visit the Future Rich Podcast website for Financial Freebies and Classes Leaving reviews on the podcast is the best way to boost us on the podcast platforms and help more listeners get #FutureRich Download a free guide today to help plan your financial future! The content in this podcast is for informational purposes only. All investment strategies and investments involve risk of loss. Nothing contained in this podcast should be construed as investment advice. Any reference to an investment's past or potential performance is not, and should not be construed as, a recommendation or as a guarantee of any specific outcome or profit. Advertising Inquiries: https://redcircle.com/brands

38 min

326. Sarah "Retirement Savings Revealed: What You Could Have at 67"

In this week’s episode of Future Rich, Barbara Ginty, CFP, guides special guest Sarah through her current financial situation! Sarah is 40 years old and lives in Connecticut with her husband. She works in museums full-time, and he works in freelance Construction Management. From paying off student loans for undergrad, sorting out her husband’s visa and all the paperwork for his green card, living in Europe and moving back to the US, they’ve had several major financial moments. They discuss: Strategies for Sarah to optimize her savings Life insurance Managing variable income How Sarah is on track to have $1.7M by the time she retires … and more! If you'd like to be a guest on the podcast, we are looking specifically for women who want to discuss their personal finances and have questions about retirement planning, social security, and more. 💌 DM us on Instagram (@futurerichpodcast) or apply here . Let’s make it happen! ✨ #FutureRichPodcast **All of our newsletters have moved to Substack, so subscribe if you want to keep in the loop with all things Future Rich! Subscriptions are FREE! Subscribe to our YouTube Follow us on TikTok Follow us on Instagram Visit the Future Rich Podcast website for Financial Freebies and Classes Leaving reviews on the podcast is the best way to boost us on the podcast platforms and help more listeners get #FutureRich Download a free guide today to help plan your financial future! The content in this podcast is for informational purposes only. All investment strategies and investments involve risk of loss. Nothing contained in this podcast should be construed as investment advice. Any reference to an investment's past or potential performance is not, and should not be construed as, a recommendation or as a guarantee of any specific outcome or profit. Advertising Inquiries: https://redcircle.com/brands