Future Rich with Barbara Ginty, CFP®

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...

Happy Friday! This week on the podcast, we have a great episode with our lovely guest, Joan! Joan is 33 years old, lives in Southern California with her partner, and works in supply chain management for clothing companies. She recently got a raise and now makes $95K per year. Joan has a travel fund and a brokerage account for investments. She and her partner are savers and have similar mindsets wh...

In this episode of Future Rich, Barbara follows up with Jane from episode 265 of the pod to discuss Jane's financial journey as she approaches her 40th birthday. Jane is still considering leaving her position in sales two years after her first conversation with Barbara, but this time she has $2 million saved in combined assets with her husband, including their retirement accounts, a high-yield...

Happy Friday, Future Rich Fam! In this episode, host Barbara Ginty is joined by expert guest and Co-Founder of Higher Innovation, Ashley Ciccel, to discuss the alarming rise of financial scams targeting startups, particularly those with female founders. Ashley shares her personal experience with a potential scam, highlighting key red flags and the need for gut checks in decision-making. Barb and A...

Happy Friday! This week on the podcast, we have a really special episode with our lovely guest, Roxanne! Roxanne is 39 years old, lives in Los Angeles, CA, and works in the entertainment industry in marketing. She lives with her partner who has been struggling to keep a steady income in the film industry for the past few years. Despite their relatively low rent, they're struggling to make ends...

Happy Friday Future Rich fam! This week on the pod we have the wonderful Sandy! Sandy is 35 years old, lives in Brooklyn, NY, and works at a Systems Admin Tech company. She recently got a 30% raise at her work! Sandy has big goals for financial independence and is well on her way there with 40k in her emergency funds and almost 1 million dollars in retirement savings. Barb and Sandy discuss... How...

Happy Friday Future Rich fam! This week, we have a special crossover episode for you! Barbara sits down with Author and Founder of the Infertile AF Group, Ali Prato to discuss her deeply personal fertility journey — and to talk honestly about the emotional and financial realities of IVF.  They discuss... Barbara's personal fertility journey Ali's secondary infertility and IVF journey Commo...

Happy Friday Future Rich fam! In this week's shorter topic-focused episode of Future Rich, Certified Financial Planner Barbara Ginty continues to discuss the fundamentals of Individual Retirement Accounts (IRAs), this time focusing on Non-Deductible IRAs. Barbara provides an in-depth explanation of the often-overlooked non-deductible IRA. She discusses...   Their mechanics The eligibility crit...

Happy Friday Future Rich fam! In this week's shorter topic-focused episode of Future Rich, Certified Financial Planner Barbara Ginty continues to discuss the fundamentals of Individual Retirement Accounts (IRAs), focusing on Roth IRAs. Barbara provides an in-depth explanation of Roth IRAs, covering their... Contribution limits Eligibility requirements Income thresholds Tax-free withdrawal cond...

Hi lovely listeners! In this week's shorter topic-focused episode of Future Rich, Certified Financial Planner Barbara Ginty discusses the fundamentals of Individual Retirement Accounts (IRAs), focusing on Traditional IRAs. She explains the contribution limits, income requirements, and tax implications of traditional IRAs, and the importance of understanding these rules for effective retirement...

Hi lovely listeners! We are officially BACK from winter break! We missed you all so much! In this first episode of our 9th season, Certified Financial Planner, Barbara Ginty catches us up on what the Future Rich team has in store for 2026 and drops a few hints on our first expert guest(s) of the season!  This season, we are also sharing new bite-sized episodes focused on hyper-specific financial t...

In today's THROWBACK episode, CFP and Future Rich Host Barbara Ginty is joined by Amy, who lives in Brooklyn, NY, and works as a Speech Language Pathologist in the Public School System. Amy is 32 and recently discovered Future Rich after hearing Barbara on the Break up Bestie podcast. She has done a great job sorting out her budget and consolidating her credit card debt which was at 11K and at...

Happy Friday Future Rich Fam! We hope you're all having a very happy New Year! Today, we're sharing our most popular THROWBACK episode #191 with our lovely guest Nora. We will have new episodes in February! Nora is a super humble Software Administrator from Eastern PA. She is only 34 years old, has already paid off her house, and is completely debt-free. In this episode, Barbara and Nora d...

Happy Friday Future Rich Fam! 💸 This week, we have an extra special episode with expert guests, Heather and Douglas Bonaparth! Heather is the Director of Business and Legal Affairs at Bone Fide Wealth, LLC. She writes on love, money, family & fairness. She has written for CNBC, theSkimm, Insider, Scary Mommy, and more. Douglas is a CFP® and the President at Bone Fide Wealth, LLC. Douglas also...

Happy Friday Future Rich Fam! 💸 This week, we're wrapping up the 2025 season of Future Rich Podcast! Thank you all so much for listening over the years! We can't wait to be back in February 2026 with all new episodes! If you'd like to be a guest on the podcast, we are looking specifically for women in their 50s and 60s who want to discuss their personal finances and have questions abo...