Future Rich with Barbara Ginty, CFP®

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**Future Rich with Barbara Ginty, CFP®**

By 2030, women will control more wealth than most countries' GDP, yet women still don't talk about money! Future Rich Podcast aims to change that! We are a female-hosted and female-focused podcast that covers all things money — how it is spent, saved, and everything in between! Our host Barbara Ginty is a Certified Financial Planner with over a decade of experience. She is a true expert in the field of finances, managing over 100 million dollars. Her conversations go DEEP and give insight into the REAL finances of everyday women, along with various inspirational guests and financial experts! Listen in to hear about the dirty topic no one wants to talk about….money.

Latest Episodes:

237. The Different Types of IRAs Apr 19, 2024

Show notes

In this solo episode, CFP Barbara Ginty discusses IRAs (Individual Retirement Accounts).

Barb breaks down...

The three different types of IRAs
The tax benefits
Eligibility criteria for each type.
The importance of understanding the requirements and consulting a financial or tax professional before making IRA decisions

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!

Visit the Future Rich Podcast website for Financial Freebies and Classes

If you want to take ownership of your health, start with AG1. Try AG1 and get a FREE 1-year supply of Vitamin D3+K2 AND 5 free AG1 Travel Packs with your first purchase exclusively at drinkAG1.com/futurerich. That’s drinkAG1.com/futurerich.

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.

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

236. Lily - “Home Ownership Goals in High Cost of Living Areas" Apr 12, 2024

Show notes

Happy Friday! In this episode of Future Rich, CFP Barbara Ginty interviews the lovely Lily! Lily is 28 years old and lives in Los Angeles with her husband. She makes around $109K annually working in advertising.

In this conversation, Lily discusses her savings goals and financial plans with Barbara. They cover topics such as saving for an emergency fund, future goals like homeownership, and the benefits of renting versus buying a home. They also discuss the possibility of investing in real estate and the importance of increasing retirement contributions.

They discuss...

Housing expenses
Joint finances, monthly expenses,
Retirement savings. emergency funds, and student loans.
Ways to improve saving habits and budget better
...and more!

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!

Visit the Future Rich Podcast website for Financial Freebies and Classes

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

235. June - “Are You Saving TOO Much Money?” Apr 05, 2024

Show notes

This week on Future Rich, CFP Barbara Ginty chats with the lovely June!

June is 39 and lives in Houston, Texas with her husband. She works as a self-employed freelance writer and editor. She started full-time freelancing in 2018 after doing it as a side hustle for 7 years with the goal in mind to achieve the “elusive” six-figure freelance number.

Barb and June cover topics such as...

Her journey from side hustling to full-time freelancing
How she manages money with her husband
Student loan debt, taking out loans to party in Grad School
Navigating mortgages as a newly married couple
Home renovations
If she’s saving *too* much
Strategies for retirement and the different retirement stages

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!

Visit the Future Rich Podcast website for Financial Freebies and Classes

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

234 - EXPERT Jen Gumbel - "The Dark Side of Estate Planning" Mar 29, 2024

Show notes

In this episode of Future Rich, CFP Barbara Ginty interviews Estate Planning and Probate Attorney Jen Gumbel!

People tend to overlook estate planning, yet there are one million Americans who are under guardianship or conservatorship, and the sad reality is that these situations can turn into messy financial and legal nightmares when ignored.

Barb and Jen discuss...

Tips on having a successful Estate Plan
The Wendy Williams Documentary
Why everyone should do an estate plan regardless of wealth or age
Why you need a Financial Advisor to work with your Estate Planning Attorney to make sure your trust gets properly funded
...and more!

Watch this Episode on YouTube!

Jen Gumbel's Website Teaching You How Estate Planning Works

Free Video Guide: Do's and Don'ts to Talking to Someone You Love About Their Estate Plan

Articles Mentioned:

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!

Visit the Future Rich Podcast website for Financial Freebies and Classes

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

233. Diaz Follow-Up "Negotiating a Raise and the Advantages of Workplace Retirement Plans" Mar 26, 2024

Show notes

This week on Future Rich, CFP Barbara Ginty follows up with Diaz to find out what's changed in her life and finances since the last time she was on the pod. Diaz is a 28-year-old engineer living in Denver, Colorado.

In this episode, Diaz shares her plans for a future wedding and her challenges with budgeting for the event. Barb and Diaz also delve into her income, expenses, and debt, including her mortgage and student loans.

They cover topics such as...

Negotiating a raise
Considering 401k contributions
Building a bigger emergency fund
Understanding retirement account breakdowns
Choosing between a 401k and an IRA.
The advantages of workplace retirement plans
The importance of keeping savings liquid

Watch this episode on YouTube HERE!

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!

Visit the Future Rich Podcast website for Financial Freebies and Classes

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

232. “Discussing Financial Expectations in Relationships" Mar 15, 2024

Show notes

In this week's solo episode, CFP Barbara Ginty discusses the importance of having cohabitation, prenuptial, and postnuptial agreements to protect your finances and why you should be having these conversations in advance when everyone is getting along to prevent future heartache.

She covers...

Why you should consider hiring an attorney to help navigate financial relationship agreements
How to approach having open and honest conversations about financial expectations with your partner
The big red flag you should take note of when having these conversations
Examples of why these conversations are so important
... and more!

Watch this episode on YouTube here!

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!

Visit the Future Rich Podcast website for Financial Freebies and Classes

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

231. Summer - “Your 175K in Student Loan Debt is Basically a Second Mortgage!” Mar 08, 2024

Show notes

In this episode, CFP Barbara Ginty interviews construction attorney Summer!

Summer is a 29-year-old living in Florida who recently got married. She has joint expenses with her husband and a high income of 160K per year but... has a whopping 175K in Student Loan Debt!! Summer struggles to find a balance between living her life and reaching her savings goals!

Barb and Summer discuss...

How Summer’s high student loan debt is significantly impacting her monthly cash flow and long-term financial goals
Increasing Summer’s 401k contribution to save for retirement and reduce her taxable income
Creating a budget that isn’t too extreme
Implementing cash-based strategies like zero-dollar days to be more mindful of spending.
Why everyone isn’t eligible for a Roth IRA
… and more!

Watch this episode on YOUTUBE here!

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!

Visit the Future Rich Podcast website for Financial Freebies and Classes

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

230. Christina - “Think of Yourself as a Million Dollar Business” Mar 01, 2024

Show notes

In this episode, CFP Barbara Ginty interviews Anesthesiologist extraordinaire Christina! Christina is 32 and works in Tennessee. Her base salary is 500K, but she has the potential to earn 700K (or more) per year! Getting to this point in her career was a long journey. Christina has around 248K in federal student loan debt that she plans on tackling.

Barb and Christina discuss...

Mega Backdoor Roths
Different money types
In plan conversions
Eligibility for deductible IRAs
The pro-rata rule
Why it’s important at a certain income level to invest in a CPA and a financial team in general
5-year time plan to pay off her student loans
Shifting Christina’s mindset to think of herself as a million-dollar business

Watch this episode on YouTube!

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!

Visit the Future Rich Podcast website for Financial Freebies and Classes

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

229. Anna - "Can You Afford to Make a Career Pivot?" Feb 23, 2024

Show notes

In this episode, CFP Barbara Ginty interviews the wonderful Anna! Anna is 38 and works in technology sales with a 150K base commission in the San Francisco Bay area. She's married with two young children.

Barb and Anna discuss...

Childcare expenses in high-cost areas
Maxing out 401(k) contributions
Potential issues with IRA contributions and conversions, especially when dealing with mixed monies
Diversification with stocks
Finding a balance between saving for the future and enjoying the present
How to decide when the "right time" to pursue a career pivot is

Watch this episode on YouTube!

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!

Visit the Future Rich Podcast website for Financial Freebies and Classes

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

228. Judy Follow-Up "Becoming a Homeowner in Brooklyn and Getting Roommates at 38" Feb 16, 2024

Show notes

This week on Future Rich, CFP Barbara Ginty follows up with Judy from episode 155 of the podcast to find out what's changed in her life and finances over the last two years.

Judy is a 38-year-old creative living in Brooklyn, NY. She works full time AND runs a photography side business. Her goal from episode 155 was to become a homeowner, and guess what? She's currently in the process of purchasing her first home!!

In this episode, Barbara and Judy discuss...

FHAs and closing costs on homes
Fixed vs Variable Mortgages
Property taxes
Judy's 3-year house-flipping goal
Going part-time for her home renovation
Getting roommates and renting out her property
The Primary Capital Gain Exclusion Rule
Judy's plan to eventually move upstate

Watch this episode on YouTube HERE!

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!

Visit the Future Rich Podcast website for Financial Freebies and Classes

If you're looking for a more straightforward, effective investment for your health, try AG1, and get 5 free AG1 Travel Packs and a FREE 1-year supply of Vitamin D with your first purchase. Go to drinkAG1.com/futurerich. That's drinkAG1.com/futurerich. Check it out and directly support the podcast!

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

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