Future Rich with Barbara Ginty, CFP®

Latest Episodes:

257. EXPERT Charlotte Cowles - "Can You Avoid Being a Victim of Scams and Financial Crimes?" Sep 06, 2024

Show notes

On this week's episode of Future Rich, Barbara Ginty speaks with financial journalist Charlotte Cowles all about scams, fraud, and financial crime! Charlotte is a freelance journalist and writer for The New York Times, The Cut, and other publications.

Charlotte and Barbara discuss...

Charlotte's personal experience with a scammer
The role of stigma in perpetuating scams and the need to support and believe victims
Who scammers specifically target (the answer may surprise you!)
Practical advice for people experiencing scams
... and so much more!

Find Charlotte Cowle's website HERE.

Would YOU like to be an anonymous guest on the podcast? We welcome guests in any financial situation! Apply here!

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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.

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256. Barbara "Money Moves I’m Glad I Made Before Turning 40" Aug 30, 2024

Show notes

In today's solo episode, CFP Barbara Ginty shares her advice on money moves to make before turning 40.

Barb reflects on her financial journey and highlights key strategies that have helped her achieve financial success without compromising personal values and goals.

These strategies include...

Starting to save for retirement early
Taking calculated risks in career choices
Becoming financially literate
... and more!

Remember not to compare your journey to mine or anyone else's. We're all on different financial journeys.

If you'd like to be an anonymous guest on the podcast and discuss your own personal finances with Barbara, you can apply here. We accept guests in any financial situation!

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!

Subscribe to our YouTube

Visit the Future Rich Podcast website for Financial Freebies and Classes

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255. Jessica - “Being Financially Independent Doesn’t Make You Masculine!” Aug 23, 2024

Show notes

You’re in for a very special episode this week! CFP Barbara Ginty interviews the fantastic Jessica, who shares her experience of calling off her wedding six weeks before the date and the importance of financial independence.

Jessica is 30 years old, a nurse by education, and works remotely as a project manager for a medical device company. She lives in the Milwaukee area and earns a base salary of $127K annually. Jessica also has an impressive $86,000 in diversified savings!

In this episode, they discuss...

Why Jessica decided to end her wedding
How financial insecurity impacts relationships
Why sometimes the cost of freedom is worth financial setbacks
Being proud of being financially independent
Jessica’s goals of buying a business AND her childhood home from her parents
The importance of having low expenses and no debt when buying a business or a home.
The option of buying a tax practice
The potential for financial coaching as a career path
… and more!

Would YOU like to be an anonymous guest on the podcast? We welcome guests in any financial situation! Apply here!

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Listen to us on Apple Podcasts

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254. EXPERT Jeanne Kelly - "The Dangers of Using Buy Now, Pay Later" Aug 16, 2024

Show notes

On this week's episode of Future Rich, Barbara Ginty talks to Credit Coach Jeanne Kelly all about the dangers of "Buy Now, Pay Later"

Jeanne Kelly is the founder of The Kelly Group. A highly sought-after credit coach, healthy credit expert, motivational speaker, and author of The Credit Training & The Credit Makeover.

In this episode, Jeanne and Barb discuss...

What "Buy Now, Pay Later" is
If "Buy Now, Pay Later" shows up on your credit report
The current trend of credit card debt
The difference between a tax lien and a judgment
What shows up on your public tax record
What you need to look out for when using "Buy Now, Pay Later"

Find Jeanne Kelly's Website and more HERE.

Would YOU like to be an anonymous guest on the podcast? We welcome guests in any financial situation! Apply here!

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Listen to us on Apple Podcasts

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253. Monet Pt. 2 "Strict Short-Term Budgeting for Long-Term Financial Success" Aug 09, 2024

Show notes

Happy Friday Future Rich fam! In today's two-part episode, CFP Barbara Ginty continues to interview the lovely Monet! This is the second part of the episode. Please listen to the first part of the episode released on August 2nd first if you haven't already!

Monet is 34 years old, lives in Pennsylvania, and works in education. She currently earns $55K annually and is actively paying off around $9K of credit card debt. Monet is also working on paying down her $160K of student loan debt and is investigating if she qualifies for public service loan forgiveness.

In this episode, Barb and Monet discuss...

Staying in a job for the benefits vs leaving and being more fulfilled
Side hustles and generating additional income utilizing creative skills
Living on a tight budget
The challenges of transitioning to making less money
Strict budgeting in the short term for long-term financial success
... and more!

Would YOU like to be an anonymous guest on the podcast? We welcome guests in any financial situation! Apply here!

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Listen to us on Apple Podcasts

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252. Monet Pt. 1 "The Financial Impact of Borrowing Money from Apps" Aug 02, 2024

Show notes

Happy Friday Future Rich fam! In today's two-part episode, CFP Barbara Ginty interviews the lovely Monet! This is the first part of the episode. Please come back next Friday for part two!

In this episode, Barb and Monet discuss...

Changes in work situations and how they affect finances
Budgeting for expenses like groceries, dining out, personal care, and credit card payments
Navigating a gap between income and expenses
Why borrowing money from apps can lead to financial struggles and should be done sparingly
Living within one's income and saving money is important for financial stability.
Exploring retirement plans and options for student loan forgiveness
Advocating for a raise
... and more!

Would YOU like to be an anonymous guest on the podcast? We welcome guests in any financial situation! Apply here!

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Listen to us on Apple Podcasts

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251. Barbara "Join Our August No Spending Challenge!" Jul 26, 2024

Show notes

In today's solo episode, CFP Barbara Ginty reviews the key takeaways from our recent podcast episodes with Megan and Cameron. She discusses inherited IRAs and the decision to buy a home.

These episodes are meant to help condense the information from our traditional long-form interview-style episodes into more bite-sized takeaways.

We are starting a "No Spending" challenge for the month of August! Listen to the episode for more details on how to join!

If you'd like to be an anonymous guest on the podcast and discuss your own personal finances with Barbara, you can apply here. We only have four spots left open for our 2024 season! We accept guests in any financial situation!

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!

Subscribe to our YouTube

Visit the Future Rich Podcast website for Financial Freebies and Classes

Advertising Inquiries: https://redcircle.com/brands

250. Cameron Pt. 2 "Don't Feel Pressured Into Homeownership" Jul 19, 2024

Show notes

Happy Friday Future Rich fam! In today's two-part episode, CFP Barbara Ginty interviews the wonderful Cameron! This is the second part of the episode. Please listen to part one of this episode (249) before you listen to today's episode!

Cameron is 23 years old, lives in South Carolina with her partner, and works in Aircraft Maintenance. She currently earns $60,000 annually and is actively paying off around $10,000 of debt.

In this episode, Barb and Cameron discuss...

The different opportunities that exist for young people in personal finance
How to be financially prepared for homeownership
Why renting can provide flexibility and allow for a larger net worth
Why Cameron shouldn't feel pressured into homeownership
... and more!

Would YOU like to be an anonymous guest on the podcast? We welcome guests in any financial situation! Apply here!

Subscribe to our Youtube channel

Listen to us on Apple Podcasts

Advertising Inquiries: https://redcircle.com/brands

249. Cameron Pt. 1 "Paying Off $10,000 of Debt In Your 20s" Jul 12, 2024

Show notes

Happy Friday Future Rich fam! In today's two-part episode, CFP Barbara Ginty interviews the wonderful Cameron! This is the first part of the episode. Please come back next Friday for part two!

Cameron is 23 years old, lives in South Carolina with her partner, and works in Aircraft Maintenance. She currently earns $60,000 annually and is actively paying off around $10,000 of debt.

In this episode, Barb and Cameron discuss...

Cameron's plan to pay off her debt and build her emergency savings
Budgeting for annual expenses and weekend trips
Saving for long-term financial goals (including a wedding!)
Her concerns about her current job
Cameron's passion for personal finance and her interest in potentially becoming a CFP or CPA

Would YOU like to be an anonymous guest on the podcast? We welcome guests in any financial situation! Apply here!

Subscribe to our Youtube channel

Listen to us on Apple Podcasts

Advertising Inquiries: https://redcircle.com/brands

248. Megan "Rebuilding Finances After Illness and Supporting Family Members in Retirement" Jul 05, 2024

Show notes

Happy Friday! In today's episode, CFP Barbara Ginty interviews the lovely Megan who opens up about her experience of unexpectedly getting sick in 2021 and the financial challenges she faced as a result, including depleting her savings.

Fast forward to 2024, Megan and her husband now have a combined income of around $8,100 per month, $85,000 in savings and $100,000 in an inherited IRA.

Barb provides Megan with insight regarding her inheritance and retirement planning. They discuss...