Future Rich with Barbara Ginty, CFP®

Happy Friday Future Rich Fam! 💸 This week's solo episode is a little different as Barbara Ginty, CFP discusses her personal fertility journey with egg freezing and IVF. If you haven't listened to episode #45 of the podcast , you should either before or after this episode so you can hear Barbara from six years ago discuss her journey in real time, including all of the nitty-gritty details!...

In this episode of Future Rich, host Barbara Ginty continues her conversation with Shelby, a 55-year-old government employee, about her financial situation, including income, expenses, retirement planning, and debt management.  In this episode, Barbara gives Shelby some hard-to-hear, but necessary advice: her budget needs to get under control! Listen to learn what Barbara's tips are for Shelby...

Happy Halloween! In this episode of Future Rich, host Barbara Ginty speaks with Shelby, a 55-year-old government employee, about her financial situation, including income, expenses, retirement planning, and debt management.  Shelby shares insights into... Her family's financial habits Her goal to get out of credit card debt The importance of budgeting *This is part one of a two-part episode; p...

In this episode of Future Rich, host Barbara Ginty speaks with Zoe, a 34-year-old mental health therapist living in Florida with her husband and their five-year-old daughter. Barb provides Zoe with a plan to eliminate her credit card debt and offers her some advice on whether or not she should go back to school and take on more student loan debt with the potential to make more money in the future....

In this episode of Future Rich, host Barbara Ginty speaks with Zoe, a 34-year-old mental health therapist living in Florida with her husband and their five-year-old daughter. They discuss... Zoe's income and business structure shifting from an LLC to an S-Corp Credit Card Debt Student Loan Debt ... and more! *This is part one of a two-part episode; part two will be available on all major podca...

Happy Friday Future Rich Fam! 💸 This week, Barbara Ginty, CFP takes a deep dive into Buy Now Pay Later (BNPL). 🔍  In this episode Barbara Covers: The definition of BNPL Why BNPL is different from credit cards The risks associated with using BNPL The importance of using BNPL strategically Upcoming changes in credit reporting that will affect users of BNPL Whether or not she recommends BNPL 💡  Kn...

In this episode of Future Rich, host Barbara Ginty speaks with Jane, a therapist with multiple income streams, about her impressive financial journey. Jane is 44 years old, lives with her partner, owns two different properties, and works one full-time job and two part-time jobs. They discuss... Using online mortgage calculators When and if Jane should refinance her mortgages Why you should ALWAYS...

In this episode of Future Rich, host Barbara Ginty speaks with Jane, a therapist with multiple income streams, about her impressive financial journey. Jane is 44 years old, lives with her partner, owns two different properties, and works one full-time job and two part-time jobs. They discuss... Jane's gross income and tax implications as a business owner Jane's aggressive savings strategie...

In this week's new episode of Future Rich, CFP Barbara Ginty continues her conversation with Hannah, a 51-year-old veterinarian living in Utah, with a base salary of $130,000. In last week's episode, we learned that Hannah has done her financial homework because she's set to be a multimillionaire by the time she retires. In this episode, Barb and Hannah discuss... The future of Social...

In this week's new episode of Future Rich, CFP Barbara Ginty speaks with Hannah, a 51-year-old veterinarian living in Utah, with a base salary of $130,000. Hannah has done her financial homework and is set to be a multimillionaire by the time she retires. Barb and Hannah discuss... A bad experience Hannah had with an ex-fiancé The importance of having a financial advisor Projected Social Secur...

In this week's new episode of Future Rich, host Barbara Ginty interviews the fantastic Celine! Celine is a returning guest, but this episode is different because she is going on a new and exciting journey of transitioning into the financial planning industry! Barbara gives Celine some guidance and insights on her own journey to becoming a CFP, emphasizing the value of building relationships wi...

In this two-part episode of Future Rich, host Barbara Ginty interviews the lovely Violet! Violet is 30 years old, lives in Pennsylvania, and works as a digital marketing associate for a finance firm where she makes around $52K per year. Violet also recently picked up a part-time job as a bartender to make extra income. Violet and Barb discuss... How Violet manages two jobs The challenges she faces...

In this two-part episode of Future Rich, host Barbara Ginty interviews the lovely Violet! Violet is 30 years old, lives in Pennsylvania, and works as a digital marketing associate for a finance firm where she makes around $52K per year. Violet also recently picked up a part-time job as a bartender to make extra income. Violet and Barb discuss... How Violet manages two jobs The challenges she faces...

Happy Friday Future Rich Fam! 💸 This week, Barbara Ginty, CFP® is reunited with fellow CFP® and CRPC®, Charlotte Geletka! Charlotte is the Managing Partner and Financial Advisor at Silver Penny Financial, based in Atlanta, Georgia. Together, they unravel the complexities of recent tax law changes from Trump's "One Big Beautiful Bill." 🔍  In this episode Barbara and Charlotte cover: E...

In this two-part episode of Future Rich, host Barbara Ginty interviews 36-year-old Samantha! Samantha is a former teacher and current co-founder of a youth dance business in the San Francisco Bay Area. In today's pod, Samantha and Barb discuss... Retirement planning as a business owner The positives and negatives of becoming a homeowner Saving money to start a family ...and more! *This is part...

In this two-part episode of Future Rich, host Barbara Ginty interviews 36-year-old Samantha! Samantha is a former teacher and current co-founder of a youth dance business in the San Francisco Bay Area. In today's pod, Samantha and Barb discuss... The challenges of starting a business Insights into managing business finances AND personal savings The differences between Simple IRAs and SEP IRAs...

In this two-part follow-up episode of Future Rich, host Barbara Ginty follows up with recurring guest Minnie to discuss significant changes in her financial landscape over the past few years. She is married with two kids, and lives and works in Minnesota. Spoiler: A LOT has changed! Minnie's first time on Future Rich was back in September of 2020  (episode 93) , and her second episode was in S...

Happy Friday Future Rich Fam! 💸 This week, Barbara Ginty, CFP takes a deep dive into the latest in tax-advantaged savings with the introduction of Trump Accounts from the "Big Beautiful Bill" and the expansion of 529 Plans. Whether you're expecting a child or planning for their future, this episode provides essential insights into maximizing these financial tools. 🔍  In this episode...

In this two-part follow-up episode of Future Rich, host Barbara Ginty follows up with recurring guest Minnie to discuss significant changes in her financial landscape over the past few years. She is married with two kids, and lives and works in Minnesota. Spoiler: A LOT has changed! Minnie's first time on Future Rich was back in September of 2020 (episode 93) , and her second episode was in Se...

In this two-part episode of Future Rich, host Barbara Ginty speaks with Dr. Pepper Potts, a 38-year-old who is transitioning from medical school to general surgery residency this July in New Jersey. In this episode, they discuss... A plan for Dr. Pepper Potts to pay off $30,000 of her credit card debt Different options for a Roth IRA conversion Budgeting and expense management throughout residency...

In this two-part episode of Future Rich, host Barbara Ginty speaks with Dr. Pepper Potts, a 38-year-old who is transitioning from medical school to general surgery residency this July in New Jersey. In this episode, they discuss... Dr. Potts' financial journey, including her residency salary, living expenses, and the burden of student loans Strategies for managing debt The importance of public...

In this two-part episode of Future Rich, host Barbara Ginty speaks with Maude, a 31-year-old nurse practitioner living in Pennsylvania. She and her fiancé have been together for seven years and are planning a wedding in 2026. In this episode, they discuss... Different retirement accounts and the different purposes they serve Whether or not Maude and her partner should start a joint account A plan...

In this two-part episode of Future Rich, host Barbara Ginty speaks with Maude, a 31-year-old nurse practitioner living in Pennsylvania. She and her fiancé have been together for seven years and are planning a wedding in 2026. In this episode, they discuss... The challenges of homeownership The impact of health insurance costs Strategies for managing student loan debt Student Loan Forgiveness optio...

🚨 Protect Yourself & Your Loved Ones from Financial Scams 🚨 This week on Substack, Future Rich host Barbara Ginty dives into the alarming rise of financial crimes targeting seniors—particularly those 60 and older. 💸 🔍 In this episode: The growing sophistication of scams and how they operate The emotional and financial toll on victims Tools to recognize red flags and prevent falling victim...

In this two-part episode of Future Rich, host Barbara Ginty speaks with Sarah, a 46-year-old middle school teacher married to a paramedic. They live in the southwest and have four boys. *This is part two of a two-part episode; part one aired on 5/23. They continue to discuss... Debt management Employer contributions How Sarah can leverage multiple income streams A 5-year plan for Sarah and her fam...