Future Rich with Barbara Ginty, CFP®

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. Barbara and Sarah go over her salary, her husband's job as a paramedic, their pension plans, health insurance, and the challenges of managing a household with four boys. They discuss... How to navigate the comp...

In this episode of Future Rich, host and CFP, Barbara Ginty, delves into the complexities of Social Security benefits, focusing on spousal, former spouse, and survivor benefits. She emphasizes the importance of understanding these benefits, especially for women, who represent a significant portion of beneficiaries. This episode includes... Strategies for maximizing benefits The implications of del...

In this two-part episode of Future Rich, host Barbara Ginty speaks with Katherine, an airline pilot with a significant income and complex financial situation. Katherine is 48 years old and is a pilot making around 350 - 375k a year. She lives with her 55-year-old partner, who has retired, her two children, one is 8 and the other is college-aged, and her mother-in-law. In part 2 of this episode, th...

In this two-part episode of Future Rich, host Barbara Ginty speaks with Katherine, an airline pilot with a significant income and complex financial situation. Katherine is 48 years old and is a pilot making around 350 - 375k a year. She lives with her 55-year-old partner, who has retired, her two children, one is 8 and the other is college-aged, and her mother-in-law. They discuss... Katherine&#39...

In this two part episode of Future Rich, host Barbara Ginty speaks with the lovely Eileen about her financial goals after her recent move from Pennsylvania to Florida! *This is part two of a two-part episode, part one aired last Friday on 4/11! Here is a recap on our guest: Eileen is 43 years old, works remotely for a software company with a base income of $65K per year, and just purchased a new h...

In this episode of Future Rich, host Barbara Ginty speaks with the lovely Eileen about her financial goals after her recent move from Pennsylvania to Florida! *This is part one of a two-part episode, so part two will air next Friday on 4/18! Eileen is 43 years old, works remotely for a software company with a base income of $65K per year, and just purchased a new home with her partner in Florida u...

In this episode of Future Rich, host and CFP, Barbara Ginty, discusses the importance of financial literacy, mainly focusing on social security. Barbara addresses…  Common misconceptions The history and purpose of social security Eligibility requirements The significance of social security as a supplement to retirement income.  This conversation emphasizes the need for better understanding and pla...

In today's episode of Future Rich, host Barbara Ginty chats with Gabby! Gabby just turned 30, lives in a high-cost-of-living city in the Midwest, and makes a base pay of 160K per year working in corporate finance. They discuss... Gabby's income, expenses, and budgeting strategies How a lifestyle switch in Gabby's upbringing shaped her savings mindset Navigating finances with partners (...

In today's episode of Future Rich, host Barbara Ginty speaks with Cindy, a 25-year-old nonprofit development worker, about her financial journey. Cindy shares her experiences with budgeting and the steps she is taking to improve her financial situation, some of which might surprise you! They discuss... Cindy's income, expenses, budgeting strategies, and the challenges she faces with debt m...

🎉 Hello, Lovely Listeners! 🎉 We’re thrilled to kick off the 2025 season of the Future Rich podcast with your favorite host and CFP® Barbara Ginty! In today's introduction episode, Barbara covers our goals for this year along with the new structure of the podcast. This season, we’re bringing you even more REAL guest stories about personal finance AND diving deeper into retirement planning. Go...

Future Rich will return on March 15th, 2025 with more in-depth personal finance interviews, chats with expert guests, financial freebies, and a few more surprises... Until then, we'll be re-releasing our favorite episodes throughout the years. In today’s THROWBACK episode, CFP Barbara Ginty interviews Evelyn! Evelyn is 26, lives in North Carolina and works in tech. She just got a promotion and...

In today's THROWBACK episode, CFP Barbara Ginty interviews the wonderful Neet! Neet lives in Texas (where she doesn't have to pay state income tax!) and works as a Manager for a Consumer Goods Company. She is truly a ROCKSTAR when it comes to managing her personal finances, saves around 4K per month, and has about half a million in savings at the age of 35! In this episode, Neet talks abou...

In today's THROWBACK episode, CFP Barbara Ginty interviews the fabulous Ruthie! Ruthie lives in Brooklyn, New York, and works in Manhattan. She is thirty-five years old, single, and lives alone. She feels like she's constantly playing catch up from working in the non-profit world for 12 years of her life. She makes $104,000 per year at the first for-profit job that she's had. Ruthie an...

Today’s THROWBACK episode is a really fun one! CFP Barbara Ginty interviews the wonderful Carrie! Carrie is 36-years-old. She works in Nebraska as a paralegal and is currently in the process of becoming a first-time home owner. She makes $1900 per month and has some high expenses that are holding her back from reaching her financial goals. Barbara and Carrie discuss... If it's worth it for Car...

Hey Future Rich Fam! In today's THROWBACK Q&A episode, Barbara answers YOUR questions submitted through our  Instagram , which if you aren't already following, you should! We got some juicy questions ranging from figuring out what you can afford when buying a new home vs. what you're approved for, how and when to share expenses with your partner, and what is different when you'...

In this week's THROWBACK episode, CFP Barbara Ginty interviews the wonderful Penny! Penny is 37, single, lives in Washington, D.C., and works at a small Residential Interior Design Firm. Penny feels pretty good about her short-term savings and retirement. Where she struggles is with what specific goals she wants to focus on and allocate the rest of her funds on. In this episode, Barbara and Pe...

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...

This week we're wrapping up Season 7 of #FutureRich from the Airport! Apologies for the sound quality on this episode, Barbara had to record on the go!  We cannot thank every one of our lovely listeners enough for tuning in with us every Friday this year. Where the heck did 2024 go?? We'll be back in February 2025 with more in-depth personal finance interviews, chats with expert guests, f...

Happy Friday! In today's episode of Future Rich, our special expert guest is Elizabeth Kaczka! Elizabeth is an independent luxury travel advisor with Fora, the Bessie Award Finalist for Travel Startup of the Year and one of Fast Company's Most Innovative Companies of the Year. In this special travel-focused episode, Barb and Elizabeth discuss... Elizabeth's transition from a career in...

In this episode of Future Rich, our special expert guest is Kimberlee Davis, Wealth Manager, Partner, Managing Director, Author, and The Fiscal Feminist. Kimberlee's mission is to give women the tools and a roadmap to having a healthy relationship with money. She believes that we all have a personal responsibility to ourselves to be financially intentional so we can have control and peace of m...

Happy Friday! In today's solo episode of Future Rich, CFP Barbara Guinty discusses the complexities of managing finances in a relationship, specifically using an anonymous AITAH (Am I the A**hole) thread on Reddit as a jumping point. Here is the start of the Reddit thread for context: "AITAH for separating my finances from my husband because he keeps lending money to his parents? We've...

Happy Friday Future Rich Fam! In this episode of the pod, CFP Barbara Ginty interviews the lovely Jane! Jane and her husband both work in sales and have a combined bi-weekly gross pay of $7,550. They have two young children and their monthly expenses total $5,321. They also own two rental properties that bring in an additional $1,400 per month. Jane is considering a career change and wants to be a...

Happy Friday Future Rich fam! In today's episode, CFP Barbara Ginty interviews the lovely Christina! Christina is a product designer from Nebraska. She's been the sole income earner in her household while her husband finishes grad school. Christina is looking for advice on transitioning into a dual-income household with new debt, especially since they recently bought a house and have stude...

Happy Friday Future Rich Fam! In today's episode, CFP Barbara Ginty interviews the fabulous Natasha! In this episode, Barbara and Natasha discuss the financial implications of parenthood, focusing on essential baby planning. Here are the takeaways from this episode... Planning for a baby involves significant financial changes. Budgeting for new expenses should start before the baby arrives. Ch...

Happy Friday Future Rich Fam! In today's episode, CFP Barbara Ginty interviews the lovely Tegan! Tegan is a strategic communications consultant who started her own consulting practice. She's been in business for almost a year and a half and is earning around $80,000 per year. Tegan is interested in planning for her retirement and wants to ramp down from work before officially retiring. Teg...