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:

205 - When Should You Refinance and Will Mortgage Rates Go Lower? Jun 09, 2023

Show notes

Hey Future Rich Fam! In today's solo episode, Barbara dives into a wide range of topics including...

Super useful travel tips to help you save money on your next vacation
Crucial information on refinancing that people don't want you to know
Why you should be making principal-only payments
The history of mortgage rates and why you shouldn't just "wait" for lower rates

PLUS Barb needs your help, make sure to listen until the end!

If you’re looking for a simpler, effective investment for your health, try AG1, and get 5 free AG1 Travel Packs and a FREE 1 yearsupply 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!

I'm currently in second place for GOBankingRates Reader's Choice award for Top Money Expert 2023 🥳 I really can't thank everyone who's already voted for me enough, BUT voting isn't over yet.

Voting is open until the end of the month, and you can vote every day. It doesn't cost anything and takes two seconds.

Cast your vote for me here, and help me get to number one! You can also share my page if you'd like. I'd appreciate it so much.

Download a free guide today to help plan your financial future!

Visit the Future Rich Podcast website for Financial Freebies and Classes!

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

204 - Bernadette "Quickly Bumping Up Your Net Worth" Jun 02, 2023

Show notes

Today’s episode is a really fun one! CFP Barbara Ginty interviews the wonderful Bernadette!

Bernadette just turned 37, lives in a house that she purchased in upstate New York, and works as a District Manager for a wine supplier. She has a great base salary of 100K per year with variable bonuses. She's a self-proclaimed boater at heart, and exclaims that BOAT stands for, "bust out another thousand".

Barbara and Bernadette discuss...

Upping Bernadette's emergency fund
Using her bonus to advance her savings goals
How she can start planning out her expenses more to bump up her net worth as quickly as possible
.... and so much more!

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

203 - Caroline Pt. 2 "How Much Should You Have In Your Emergency Fund with a Growing Family?" May 26, 2023

Show notes

In today’s episode, CFP Barbara Ginty interviews the lovely Caroline!

Caroline is 36, lives in Colorado with her husband, and works in the financial industry. They have one child and a baby on the way. She has a healthy budget but worries that she and her husband didn’t do enough in their 20s. She wants to ensure that they're doing all the right things now that their family is growing and their budget has become more complicated.

In this episode they discuss...

The differences between a 401A and 403B
What a 72T is when it comes to early withdrawals from 401Ks and other early retirement rules
Housing goals when retiring early
How much you should have in your emergency fund with a growing family

*FYI! This episode will be split into two parts! Pt. 1 is Episode 201, which was released last week on 5/19/23.

Thank you to Athletic Greens for sponsoring Future Rich. If you want to give it a try and directly support the podcast, Athletic Greens is going to give you a FREE 1-year supply of immune-supporting Vitamin D AND 5 FREE travel packs with your first purchase. All you have to do is visit athleticgreens.com/futurerich.

Again, that is athleticgreens.com/futurerich to take ownership over your health and pick up the ultimate daily nutritional insurance!

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

202 - Caroline Pt. 1 “Complicated Finances with Another Baby on the Way” May 19, 2023

Show notes

In today’s episode, CFP Barbara Ginty interviews the lovely Caroline!

In this episode they discuss...

Separating funds with partners
Budgeting for childcare
What happens when you max out FICA tax
Planning for house renovations
IRS limits with 401Ks and IRAs... and more!

*FYI! This episode will be split into two parts! Pt 2 will be released next Friday.

Again, that is athleticgreens.com/futurerich to take ownership over your health and pick up the ultimate daily nutritional insurance!

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

201 - Expert Krista Franks - "Designing the Life that You Love" May 12, 2023

Show notes

On this week's episode of Future Rich, Barbara Ginty interviews COO and Founder of Lifestyle Design Company, Owl & Key, Krista Franks!

Krista Franks left her 9 to 5 at a Digital Agency startup after the realization that she wasn't going to make it to 60 if she kept killing herself (from a stress, health, and relationship standpoint) over a job that was barely paying her a living wage.

She then decided to center her life around what matters most and just do more of what she loves. From there, she and her husband Phil created Owl & Key after nearly a decade of their own deep inner work and transformational lifestyle design.

In this episode, Krista and Barb discuss…

Krista’s inspiring journey to becoming an entrepreneur
Why you should be investing more in your relationships and lifestyle
The different types of “currency” in lifestyle design
... And so much more!

Buy Krista's book HERE.

Learn more about Owl & Key HERE.

Follow Owl & Key on Instagram HERE.

Listen to Krista and Frank's Podcast UNLOCKED HERE.

Again, that is athleticgreens.com/futurerich to take ownership over your health and pick up the ultimate daily nutritional insurance!

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

200 - "Is ChatGPT Going to Take Over the Financial Industry?" May 05, 2023

Show notes

In today’s solo episode, CFP Barbara Ginty discusses the ever-evolving bank industry failures AND the topic of AI taking over the workforce. Are you worried about AI taking over your job? Will AI take over the financial industry? What do you think about ChatGPT? Listen to find out what Barbara's opinion on AI is.

Here are some links for you to learn more about FDIC Deposit Insurance:

Here is the link to the Business Insider Article about the 10 roles that AI is most likely to replace.

Again, that is athleticgreens.com/futurerich to take ownership over your health and pick up the ultimate daily nutritional insurance!

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

199 - Lola “Keep That Extra Cash!” Apr 28, 2023

Show notes

In today’s episode, CFP Barbara Ginty interviews the lovely Lola!

Lola is 30 going on 31, lives in the Seattle area with her husband, and is a Disease Biology Scientist working at a Biotech Company. She's done a great job at sorting out her finances through both the low and the high-paying periods of her life.

Barbara and Lola discuss...

Her transition from living on very little in grad school to having a healthy income
Her goal to increase her retirement savings
Her student loan situation and how much she should focus on paying them off

Again, that is athleticgreens.com/futurerich to take ownership over your health and pick up the ultimate daily nutritional insurance!

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

198 - Expert Regan Walsh on What to do if You’re Feeling Stuck in Your Current Profession and Creating a Life You Love! Apr 21, 2023

Show notes

On this week's episode of Future Rich, Barbara Ginty interviews Executive Coach, Speaker, and Author, Regan Walsh!

For over a decade, Regan has guided leaders from Nike to Wallstreet and has worked with change agents across Fortune 500 companies including JPMorgan, Nationwide, Freddie Mac and more. She is also an NYU Certified Executive Coach and a contributor to Forbes and Harvard Business Review.

In 2021, Regan released her debut memoir, Heart Boss, which details how she created a life she loves and how you can too!

In this episode, Regan and Barb discuss…

Which financial decisions Regan made early on in her career that gave her the courage to leave a job that was making her miserable
What the top questions you should ask yourself are if you’re feeling stuck in your current professional position
What professionally dating is and how to do it
Why if you’re not changing your situation, you’re choosing your situation

And so much more!

Buy Regan’s book HERE.

Learn more about Regan HERE.

Follow Regan on Instagram HERE.

Again, that is athleticgreens.com/futurerich to take ownership over your health and pick up the ultimate daily nutritional insurance!

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

197 - Evelyn “Moving Abroad for Healthcare!” Apr 14, 2023

Show notes

In today’s episode, CFP Barbara Ginty interviews Evelyn!

Evelyn is 26, lives in North Carolina and works in tech. She just got a promotion and has big travel and life plans that are a bit up in the air.

Barbara and Evelyn discuss...

Expenses and reimbursements in Tech
Increasing retirement savings
Converting assets and pro rata rules
Health insurance and moving abroad for better healthcare

Again, that is athleticgreens.com/futurerich to take ownership over your health and pick up the ultimate daily nutritional insurance!

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

196 - Penny "The Three Different Money Types and What You Should Have When You Retire." Apr 07, 2023

Show notes

This week 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 Penny discuss...