Future Rich with Barbara Ginty, CFP®

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 bankru...

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 expen...

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 de...

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 insur...

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...

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 va...

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 Magaz...

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...

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 ar...

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...

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...

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 t...

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...

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 im...

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 inc...

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 heal...

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...

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...

Have you seen the latest 2026 Social Security Trustee report? CFP Barbara Ginty breaks it down in a digestible way, exploring its implications for future benefits, funding challenges, and potential reforms. She covers... Social Security funding and trust funds Impact of demographic changes on Social Security Potential reforms and policy options Retirement planning and Social Security as a componen...

In this episode of Future Rich, CFP Barbara Ginty sits down with the lovely Michelle! She's 38, works in law, just recently got married, and is going through a ton of life transitions including planning a big international move to Europe. Michelle shares her journey to financial independence (before 40!). Find out how Michelle saved $1.7 million after being in $200K of student loan debt! Her s...

Barbara is back from her maternity leave and has A LOT to catch us up on! In this episode, Barbara shares her intense postpartum journey, including her birth experience, complications, and the importance of financial preparedness. *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...

This heartfelt and insightful follow-up episode of Future Rich is a little different than our regular programming. CFP Barbara Ginty is joined by a previous guest from episode 66 of the podcast , Gracy! She is 35 years old, lives in Nashville, TN, and is married with a three-year-old son. Gracy's husband was diagnosed with ALS the same year that their son was born, and the same year he graduat...

In this episode of Future Rich, we're joined by the lovely Jill! Jill lives in the NY metro area with her husband and three children. She shares her experiences working in corporate America right out of college, moving to New York from the Midwest, why she decided to step down from her career to become a full-time stay-at-home mom, and how she saved $750K in her Personal IRA. The conversation...

Happy Friday! This week on the podcast, we have a great episode with our lovely guest, Annie! Annie is 33 years old, lives in Pennsylvania with her parents, and works as a data analyst. She racked up $10K of credit card debt in her 20s and just finished paying it off. She is getting ready for a big move to Orlando, Florida, and dreams of retiring in her 50s. Despite her credit card debt and having...

Happy Friday, Future Rich Fam! In this episode, host Barbara Ginty is joined by entrepreneur Jaclyn Tracy, founder of Sistain, about her journey building a non-toxic home goods marketplace, the challenges she faced throughout the entire process, and the lessons she learned from closing Sistain. The conversation delves into... The importance of truly understanding the financials in a small business...