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.

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60 recent

18 min

343. Barbara - "My Surrogacy Journey: What It Really Costs"

In this solo episode of Future Rich, host Barbara Ginty, CFP, continues to share her personal health journey. After a difficult pregnancy and delivery, she shares her experience researching surrogacy, how gestational carriers work, how the industry is set up (from her perspective), and what the expected cost will be. If you've been a surrogate or considered it, please get in touch with us via email (planancialpod@gmail.com) or DM us on Instagram at @futurerichpodcast. Barbara plans to keep digging into the topic! Barbara is currently in 1st place to win TOP HOST, a competition with iHeartRadio and Ryan Seacrest. If she wins, she'll be able to lead her own podcast produced by iHeartRadio, take home $25,000, and be a guest on an episode of On Air with Ryan Seacrest! Help Barbara win and VOTE 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

38 min

342. EXPERT Leslie H. Tayne, Esq. - "Can Bankruptcy be a Wealth Building Tool?"

In this highly requested EXPERT episode of Future Rich, CFP Barbara Ginty is joined by Leslie H. Tayne, Esq., a seasoned financial attorney. Together, they debunk myths about bankruptcy and explore whether it can be a viable wealth-building strategy. Here are some key topics we cover: Different chapters of bankruptcy (7, 13, 11) Qualification criteria and means test for bankruptcy Impact of bankruptcy on credit score and wealth building Debt settlement vs bankruptcy: pros and cons Tax implications of debt forgiveness and settlement Strategies for managing credit card debt and spending habits Leslie has 20+ years of experience in the practice area of consumer and business financial debt-related services. She's highly accomplished in negotiation and settlements and has gone up against large national banks, credit unions, collection agencies, and multiple creditor legal representatives. Leslie leads Tayne Law Group, an award-winning commercial litigation and debt solutions law firm. She contributes as a financial expert across national media and — most importantly — has helped thousands of people become debt-free. Leslie's Website Follow Leslie on Instagram Barbara is currently in 1st place to win TOP HOST, a competition with iHeartRadio and Ryan Seacrest. If she wins, she'll be able to lead her own podcast produced by iHeartRadio, take home $25,000, and be a guest on an episode of On Air with Ryan Seacrest! Help Barbara win and VOTE 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

1 hr 7 min

341. Nancy Follow Up - "Budgeting when Childcare Costs Skyrocket!"

In this episode of Future Rich, financial expert Barbara Ginty interviews returning guest Nancy! Listen to Nancy’s episode #166 from 2022 before this one if you haven't already! A lot has changed since 2022, Nancy has moved from Georgia to South Carolina, has increased her income, and now has two children with a third on the way!! Nancy is worried about how much cash savings she has, how expensive childcare is, and most of all, how to balance her savings with living her life to the fullest. Barbara and Nancy discuss... Building an emergency fund with multiple income streams Managing childcare costs and planning for future expenses Retirement savings growth and contribution strategies Impact of life changes on financial goals and budgeting Saving for college and family vacations ... and more! Barbara is currently in 1st place to win TOP HOST, a competition with iHeartRadio and Ryan Seacrest. If she wins, she'll be able to lead her own podcast produced by iHeartRadio, take home $25,000, and be a guest on an episode of On Air with Ryan Seacrest! Help Barbara win and VOTE 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

59 min

340 - Megan "Realistic Ways to Reduce $21K of Credit Card Debt in 90 Days"

Happy Friday Future Rich fam! In this episode, CFP Barbara Ginty interviews the lovely Megan! Megan is 38, lives in North Carolina, and works as an Office Manager. She got herself into a bit of a financial situation after moving in with her partner, has no retirement or emergency fund, and plans to move out in one year. Don't worry, Megan makes around $67K per year, just got a raise, and is dedicated to getting rid of her $21K of credit card debt. Listen to find out what Barbara's practical strategy is for Megan to reduce her credit card debt in just 90 days! Barbara is currently in 1st place to win TOP HOST, a competition with iHeartRadio and Ryan Seacrest. If she wins, she'll be able to lead her own podcast produced by iHeartRadio, take home $25,000, and be a guest on an episode of On Air with Ryan Seacrest! Help Barbara win and VOTE 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

23 min

339 - Barbara - "6 Financial Steps That Set Your Children Up For Life"

Parents or expecting parents, this episode is for you! CFP Barbara Ginty covers the six essential financial steps for parents to take to make sure they're as financially prepared to be a parent as possible. She covers... The importance of emergency funds for parents How to determine the right amount of life insurance Different types of accounts for emergency savings How to calculate life insurance needs based on income and goals The tax advantages of owning your own life insurance policy ... 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

57 min

338 - Katherine Follow Up - "I Still Don't Have an Emergency Fund!"

In this week of Future Rich, host Barbara Ginty follows up with a previous guest, Katherine. Listen to her episodes 277 and 278 before you listen to today's episode to get up to speed! Katherine is an airline pilot with a significant income and complex financial situation. Katherine is a 50-year-old pilot making an income that varies between 375-450K a year. She lives with her partner, who has retired, has two children- one is 9, and the other is finishing up schooling/training to be a pilot too- and also provides for her mother-in-law. They discuss... Managing caregiving for her mother-in-law Navigating healthcare costs Balancing her family's financial priorities Backdoor Roth retirement savings Managing variable income while also prioritizing starting Katherine's emergency fund and having fun 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

30 min

THROWBACK - 204 - Bernadette "Quickly Bumping Up Your Net Worth"

Happy Friday Future Rich Fam! We hope you're all having a great start to fall! Today, we're sharing a popular THROWBACK episode #204 with our lovely guest Bernadette. We will have new episode next week! Bernadette just turned 37, lives in a house that she purchased in upstate New York, and works as a District Manager for a wine supplier. She has a great base salary of 100K per year with variable bonuses. She's a self-proclaimed boater at heart, and exclaims that BOAT stands for, "bust out another thousand". Barbara and Bernadette discuss... Upping Bernadette's emergency fund Using her bonus to advance her savings goals How she can start planning out her expenses more to bump up her net worth as quickly as possible .... and so much 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

1 hr 2 min

337. EXPERT Matthew Allen "Social Security 101: The Most Common Mistakes and How To Maximize Your Benefits"

In this EXPERT episode, CFP Barbara Ginty is joined by Matthew Allen, the Co-Founder and CEO of Social Security Advisors, to answer all of your Social Security questions! Matthew is one of the leading Social Security experts in the country and is often quoted for his expertise in major publications such as The Wall Street Journal, Forbes Magazine, Time Magazine, USA Today, Financial Planning Magazine, and others. He is also a speaker for the Retirement Speakers Bureau and speaks frequently around the country on the topic of Social Security planning. We're so excited to share Matthew's expert insights on Social Security, including... Common mistakes in Social Security planning The impact of Roth IRAs on Social Security taxation Family benefits and unexpected rules Retroactive benefits and withdrawal options Retiring abroad and Social Security payments Listen to this episode to discover how to navigate Social Security effectively and avoid costly errors! Find Matthew HERE. Learn more about IRMAA. 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

33 min

336. Potter "Is 1 Million Dollars Enough for Retirement?"

Is there a magic number for retirement? In this episode of Future Rich, CFP® Barbara Ginty sits down with our podcast producer, Potter, to break down the realities of retirement planning and why a 1 million dollar goal might not be enough for retirement. They discuss: Importance of knowing your exact retirement expenses The impact of taxes on retirement savings How to estimate your withdrawal rate The significance of debt-free retirement Adjusting investment strategies for the "distribution" phase of retirement Planning for variable expenses like healthcare and home repairs The role of Social Security and pensions Timing your retirement for health insurance benefits 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 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