Future Rich with Barbara Ginty, CFP®

Latest Episodes:

Throwback 149 - ROSANNA - "Spousal IRAs and Starting a Business In Your 40s" Jan 20, 2023

Show notes

Happy Friday Future Rich friends! This week, CFP Barbara Ginty sat down with the lovely Rosanna.

***We're posting fan-favorite pod episodes during our annual winter break. We'll be back with new episodes the first week of February 2023***

Rosanna is re-entering the workforce in her 40s after taking some time off to help out with her and her husband's aging parents and is currently in the process of starting her own small business as a Tax Adviser. She has questions for Barb on if she's on track for retirement and the different retirement options for small businesses.

Here is more info on Spousal IRA & contribution income limits.

Thank you to Athletic Greens for sponsoring Future Rich. If you want to give it a try, 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!

Visit Barb's website - Future Rich Podcast

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

THROWBACK 140 Follow Up - Veronica - "My Spending Has Been Out Of Control!" Jan 13, 2023

Show notes

Woohoo! We made it to Friday, Future Rich fam! This week we have a great episode with our wonderful guest, Veronica!

***We're posting fan-favorite pod episodes during our annual winter break. We'll be back with new episodes the first week of February 2023***

Veronica is a 32-year-old living in Santa Fe, New Mexico, in a property she purchased with her ex-fiancé. She works remotely as an Analyst for a Mortgage Services Company and has plans to move back to her hometown in Salt Lake City, Utah. Veronica is going through some significant changes!

Listen to this episode to learn what Barbara's advice is for Veronica to amp up her emergency fund, what type of life insurance she recommends for Veronica to switch to, as well as an easy savings method that Barbara uses for her own real estate properties.

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

Visit Barb's website - Future Rich Podcast

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

Throwback 124 - EXPERT Robert Leonard - "How To Start House Hacking" Jan 06, 2023

Show notes

In this special expert episode of Future Rich, Certified Financial Planner Barbara Ginty had the pleasure of sitting down and talking with Robert Leonard.

***We're posting fan-favorite pod episodes during our annual winter break. We'll be back with new episodes in January 2023***

Robert is the VP of Growth at The Investor’s Podcast Network and the host of a top 1% business and investing podcast with two segments called, Millennial Investing and Real Estate 101. He is a motocross racer, a single dad, and an active real estate and stock investor who is passionate about educating audiences on financial literacy and personal development!

Listen to this episode to learn how Robert transitioned from climbing the corporate ladder to a full-time entrepreneur, his top tips for house hacking, and why he encourages having multiple assets when investing.

OR if you prefer, you can WATCH THIS EPISODE HERE.

Where to find Robert:
IG: www.instagram.com/therobertleonard/
Twitter: twitter.com/therobertleonar
Millennial Investing: podcasts.apple.com/us/podcast/id1477323816

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

Visit Barb's website - Future Rich Podcast

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

Throwback 117 - Dee - "Paying Off 50K in Debt in One Year" Dec 23, 2022

Show notes

You're in for a treat! In this week's episode of Future Rich, Certified Financial Planner Barbara Ginty chats with the lovely Dee!

***We're posting fan-favorite pod episodes during our annual winter break. We'll be back with new episodes in January 2023***

Dee is a 36-year-old entrepreneur working in Behavioral Health Management. She lives with her husband, human child, and fur child (in her words, lol!) in Austin, TX. After an important surprise conversation with her father, Dee embarked on her financial journey to becoming debt-free!

Listen to find out how Dee paid off $50,000 of student loan debt in one year, how she keeps her savings rate high while also enjoying life, and what her long-term goals are for her and her family.

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

Visit Barb's website - Future Rich Podcast

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

122 Throwback - Erin - "Compounding Interest Millionaire!" Dec 16, 2022

Show notes

Oh wow, we certainly have a treat for you this week on Future Rich! CFP Barbara Ginty chats with the wonderful Erin!

***We're posting fan-favorite pod episodes during our annual winter break. We'll be back with new episodes in January 2023***

Erin is a 32-year-old Engineer living with her family in Virginia. We thought we had seen the best budget this season, but Erin is really turning heads with her insanely good savings ratio!

Listen to learn Barbara's opinion on good debt vs. bad debt along with her advice for Erin to take care of her lifestyle creep and transition from saving, saving, saving, to actually dipping into savings and enjoying life!

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

Visit Barb's website - Future Rich Podcast

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

137 Throwback - Mickey - "Tough Conversations and Living Below Your Means" Dec 09, 2022

Show notes

Happy Friday, Future Rich fam! We're posting fan favorite episodes of the pod during our annual winter break. We'll be back with new episodes in January 2023.

We have a really great throwback episode this week with our fantastic guest, Mickey! Mickey is a 28-year-old living in Boston, Massachusetts, working as a mentor in a non-profit. Not only does she have a pretty excellent grasp on keeping her expenses as low as possible, but she also has a side job. Mickey has big goals to pay off her student loan debt from grad school, beef up her emergency fund, save for a home, and help her mother out with her retirement while also saving for her own.

Listen to this episode for tons of tips on social security, home buying, and having tough conversations in advance when it comes to your parents needing financial assistance when they reach retirement age.

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

Visit Barb's website - Future Rich Podcast

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

186 - "When Men Are Threatened by Your Income Level" with Barbara and Aimee Dec 02, 2022

Show notes

Did you know that according to the Bureau of Labor Statistics, women are the primary breadwinners in 38% of marriages?

In today's SEASON 5 WRAP UP episode, CFP Barbara Ginty is joined by the editor of the Future Rich Pod, Aimee to discuss the topic of female breadwinners and the potential effects that out-earning your partner could have on your relationship.
Research by the University of Chicago Booth School of Business found that a married woman earning more than her husband increased the probability of unhappiness in her marriage and put them at a greater risk of divorce. Data from a U.S. National Survey of Families and Households found that those who reported being happy with their marriage declined when a woman earns more than her husband, with the likelihood of divorce increasing by 50%. According to Forbes, this can significantly impact those in high-net-worth marriages since earning a higher income or owning more significant personal assets than your husband makes for special considerations regarding divorce.
Read from our SOURCE HERE.

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

Visit Barb's website - Future Rich Podcast

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

185 - Monique (Follow-Up Episode 22) "Credit Card Debt Free and Focused on Saving" Nov 18, 2022

Show notes

We have a great follow-up episode this week on the Future Rich podcast. CFP Barbara Ginty chats with NYC-based Nurse Practitioner Monique about how she became officially credit card debt free! The last time Monique was on the show was in February 2019. In the three years since she talked to Barb, she has moved from Philadelphia to New York and reduced her self-proclaimed “tornado” of debt to a much more manageable “rainstorm”. Listen to find out where Monique is at with her savings goals and what her plans are to tackle her remaining debt.

Check out Monique’s original episode (22) of the podcast HERE.

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

Visit Barb's website - Future Rich Podcast

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

184 - EXPERT Charlotte Geletka "Do you want a rewarding and meaningful career?" Nov 11, 2022

Show notes

On this week's episode of Future Rich, Barbara Ginty interviews Charlotte Geletka, CFP® CRPC® and Managing Partner and Financial Advisor at Silver Penny Financial based in Atlanta, Georgia.

As an experienced investment advisor representative Charlotte is more of a financial coach than anything else, committed to helping her clients get to a point where they can stop worrying about their financial future. She works hard with them to simplify their financial lives, get their financial houses in order, and create a clear path to their retirement goals—whether retirement is right around the corner or in the distant future.

Charlotte was also recently named one of the 100 Top Financial Advisors by Investopedia on 7/11/2022 for 2022. The Investopedia Top 100 Financial Advisors is an independently granted award and is based on peer nomination, advisor engagement, influence, and commitment to financial education. Neither the advisor nor her parent firm pay a fee for the nomination or receipt of the award. No fee was paid for the right to reprint the award. The award was independently granted and membership in an organization was not required. Working with an Investopedia 100 Top Financial Advisor is no guarantee of investment success.

In this pod, Charlotte shares the inspirational road she took to become a CFP® and Business Owner, why financial wellness matters so much, and her thoughts on being a CFP® in today's financial climate.

Learn more about Silver Penny Financial HERE.

Find Charlotte HERE.

Thank you to Athletic Greens for sponsoring Future Rich. If you want to give it a try, 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!

Thanks for listening!

Disclaimer: Charlotte Galetka is a Registered Representative and offers securities and advisory services through Lincoln Financial Advisors, a broker-dealer (Member of SIPC) and a Registered Investment Advisor. Silver Penny Financial Planning is a marketing name for registered representatives of Lincoln Financial Advisors Corp.

Visit Bara's website - Future Rich Podcast

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

183 - Melanie "Over 300K in Savings at 32!" Nov 04, 2022

Show notes

In this week's episode of Future Rich, Certified Financial Planner Barbara Ginty is joined by 32-year-old Melanie!

Melanie lives in Ohio and works as a systems analyst in the healthcare system. Buckle up, because Melanie has a truly incredible mindset when it comes to saving money. She is also debt free, aside from her mortgage, which she splits with her boyfriend.

Listen to learn how Melanie saved over 300K between her brokerage, retirement, emergency fund, goal-based, and core savings. Barbara will also answer some of Melanie’s questions about pensions, brokerage accounts, and mortgage payments.

*HAVE YOU BEEN A GUEST ON THE SHOW?* We would love to follow up with you if you have! Please DM us on Instagram if you're interested.

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

Thanks for listening!

Barbara Ginty | Home | Future Rich Podcast

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