Future Rich with Barbara Ginty, CFP®

Latest Episodes:

330. Caroline Follow Up - "Reducing My Income by 30% in this Economy!" Jul 17, 2026

Show notes

In this week's episode of #FutureRich, CFP Barbara Ginty is joined by a previous guest from episodes 202 and 203, Caroline and boy, has a lot changed since her last episodes in 2023!

Caroline (39) and her husband (45) both live in Colorado and work full-time. They have a 2-and-a-half-year old and a six-year-old. Caroline recently made a big decision to switch jobs to decrease her stress and improve her quality of life, and has taken a massive (30%!) salary cut.

In this episode, they discuss...

How career changes impact household finances
Budgeting for a new house and renovations
Retirement savings strategies and maxing out 401ks
Managing household expenses with reduced income
Leveraging home equity and brokerage accounts
Testing budgets before big financial commitments

If you'd like to be a guest on the podcast, we are looking specifically for women who want to discuss their personal finances and have questions about retirement planning, social security, and more.

💌 DM us on Instagram (@futurerichpodcast) or apply here. Let’s make it happen! ✨ #FutureRichPodcast

**All of our newsletters have moved to Substack, so subscribe if you want to keep in the loop with all things Future Rich!

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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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329. Sabine Follow Up - How Much Do You REALLY Need to Retire? Jul 10, 2026

Show notes

CFP Barbara Ginty is joined by a previous guest from episode 63. 64 and 118 of the podcast, Sabine (whose previous name is Eglantine). Sabine has successfully had $150K of student loans forgiven through the public service loan forgiveness program. She lives in a two-family house and rents out the first floor, covering her mortgage, and still lives in Massachusetts with her family. Her monthly income varies from 15K-30K a year as an adjunct professor and her husband makes around 100K working in coding.

In this episode, they discuss...

Sabine's student loan forgiveness experience
Taking a career pivot during economic uncertainty
Household income and expenses management
Estate planning and inheritance complexities
The importance of life insurance and emergency funds
College savings strategies and flexibility
Adapting financial plans over time with market changes

Discover insights on inheritance, life insurance, college savings, and adapting financial plans over time. Click here go to SSA.gov - Social Security Benefits Estimator

If you'd like to be a guest on the podcast, we are looking specifically for women who want to discuss their personal finances and have questions about retirement planning, social security, and more.

💌 DM us on Instagram (@futurerichpodcast) or apply here. Let’s make it happen! ✨ #FutureRichPodcast

**All of our newsletters have moved to Substack, so subscribe if you want to keep in the loop with all things Future Rich!

Subscriptions are FREE!

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Visit the Future Rich Podcast website for Financial Freebies and Classes

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!

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328. Barbara "Three Myths About Social Security and Retirement Debunked" Jul 03, 2026

Show notes

This week on Future Rich, Barbara delivers a short and sweet episode debunking three myths about Social Security and retirement based on the past three episodes of the pod. 🎙️

Barb discusses

Why Social Security is not guaranteed to disappear, but may be reformed.
Why real estate is not always the safest or best investment for retirement.
Why paying taxes in retirement indicates good financial health, not failure.

If you'd like to be a guest on the podcast, we are looking specifically for women who want to discuss their personal finances and have questions about retirement planning, social security, and more.

💌 DM us on Instagram (@futurerichpodcast) or apply here. Let’s make it happen! ✨ #FutureRichPodcast

**All of our newsletters have moved to Substack, so subscribe if you want to keep in the loop with all things Future Rich!

Subscriptions are FREE!

Subscribe to our YouTube

Visit the Future Rich Podcast website for Financial Freebies and Classes

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!

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327. Annie "Retirement Planning at 64: Income, Taxes & Real Estate" Jun 26, 2026

Show notes

She's 64. Two kids out of the house. Working at a hospital in New York. And she has ONE question on her mind right now: how do I make the most of the next chapter financially?

This week on Future Rich, Annie sits down with Barb to map out exactly that: how to optimize her retirement income, why paying taxes is a good thing in retirement, and why (despite being so close to retirement) now might NOT be the time to jump into real estate.

If you're approaching retirement, or helping a parent think through theirs, this episode is packed with the kind of specific, practical advice you actually need. 🎙️

Barb and Annie cover:

💰 How to optimize your retirement income

📋 Managing taxes once you're in retirement

🏠 Why real estate isn't always the smart move

If you'd like to be a guest on the podcast, we are looking specifically for women who want to discuss their personal finances and have questions about retirement planning, social security, and more.

💌 DM us on Instagram (@futurerichpodcast) or apply here. Let’s make it happen! ✨ #FutureRichPodcast

**All of our newsletters have moved to Substack, so subscribe if you want to keep in the loop with all things Future Rich!

Subscriptions are FREE!

Subscribe to our YouTube

Visit the Future Rich Podcast website for Financial Freebies and Classes

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!

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326. Sarah "Retirement Savings Revealed: What You Could Have at 67" Jun 19, 2026

Show notes

In this week’s episode of Future Rich, Barbara Ginty, CFP, guides special guest Sarah through her current financial situation! Sarah is 40 years old and lives in Connecticut with her husband. She works in museums full-time, and he works in freelance Construction Management.

From paying off student loans for undergrad, sorting out her husband’s visa and all the paperwork for his green card, living in Europe and moving back to the US, they’ve had several major financial moments.

They discuss:

Strategies for Sarah to optimize her savings
Life insurance
Managing variable income
How Sarah is on track to have $1.7M by the time she retires
… and more!

If you'd like to be a guest on the podcast, we are looking specifically for women who want to discuss their personal finances and have questions about retirement planning, social security, and more.

💌 DM us on Instagram (@futurerichpodcast) or apply here. Let’s make it happen! ✨ #FutureRichPodcast

**All of our newsletters have moved to Substack, so subscribe if you want to keep in the loop with all things Future Rich!

Subscriptions are FREE!

Subscribe to our YouTube

Visit the Future Rich Podcast website for Financial Freebies and Classes

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!

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

325. Barbara "Is Social Security Funding Running Out of Money?" Jun 12, 2026

Show notes

Have you seen the latest 2026 Social Security Trustee report? CFP Barbara Ginty breaks it down in a digestible way, exploring its implications for future benefits, funding challenges, and potential reforms.

She covers...

Social Security funding and trust funds
Impact of demographic changes on Social Security
Potential reforms and policy options
Retirement planning and Social Security as a component
Disability benefits and their sustainability

This episode is a must-listen for anyone planning for retirement or interested in social security policy!

If you'd like to be a guest on the podcast, we are looking specifically for women who want to discuss their personal finances and have questions about retirement planning, social security, and more.

💌 DM us on Instagram (@futurerichpodcast) or apply here. Let’s make it happen! ✨ #FutureRichPodcast

**All of our newsletters have moved to Substack, so subscribe if you want to keep in the loop with all things Future Rich!

Subscriptions are FREE!

Subscribe to our YouTube

Visit the Future Rich Podcast website for Financial Freebies and Classes

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!

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

324. Michelle "Hitting My FIRE Goal of Over $1 Million! Saving Aggressively While Still Enjoying Life." Jun 05, 2026

Show notes

In this episode of Future Rich, CFP Barbara Ginty sits down with the lovely Michelle! She's 38, works in law, just recently got married, and is going through a ton of life transitions including planning a big international move to Europe.

Michelle shares her journey to financial independence (before 40!). Find out how Michelle saved $1.7 million after being in $200K of student loan debt! Her strategic approach to debt repayment my surprise you!

Here are some key topics from the episode:

Michelle's path to financial independence and FIRE
Debt repayment strategies and refinancing
Egg freezing as a financial and personal choice
Tax planning for expatriates and international moves
Marriage, prenups, and merging finances

If you'd like to be a guest on the podcast, we are looking specifically for women who want to discuss their personal finances and have questions about retirement planning, social security, and more.

💌 DM us on Instagram (@futurerichpodcast) or apply here. Let’s make it happen! ✨ #FutureRichPodcast

**All of our newsletters have moved to Substack, so subscribe if you want to keep in the loop with all things Future Rich!

Subscriptions are FREE!

Subscribe to our YouTube

Visit the Future Rich Podcast website for Financial Freebies and Classes

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!

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

323. Barbara's Traumatic Birth Story "I Thought I Was Dying" May 29, 2026

Show notes

Barbara is back from her maternity leave and has A LOT to catch us up on! In this episode, Barbara shares her intense postpartum journey, including her birth experience, complications, and the importance of financial preparedness.

*TRIGGER WARNING!* This episode discusses Barbara's traumatic birth experience. If you’re currently pregnant or are sensitive to medical and/or birth stories, we do not recommend this episode for you!

This episode highlights:

The realities of birth trauma
Medical bills
The value of planning ahead with an emergency fund
How important it is to have support and community

If you'd like to be a guest on the podcast, we are looking specifically for women who want to discuss their personal finances and have questions about retirement planning, social security, and more.

💌 DM us on Instagram (@futurerichpodcast) or apply here. Let’s make it happen! ✨ #FutureRichPodcast

**All of our newsletters have moved to Substack, so subscribe if you want to keep in the loop with all things Future Rich!

Subscriptions are FREE!

Subscribe to our YouTube

Visit the Future Rich Podcast website for Financial Freebies and Classes

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!

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

322. Gracie Follow Up "How We Navigated ALS and Protected Our Family's Future" May 22, 2026

Show notes

This heartfelt and insightful follow-up episode of Future Rich is a little different than our regular programming.

CFP Barbara Ginty is joined by a previous guest from episode 66 of the podcast, Gracy! She is 35 years old, lives in Nashville, TN, and is married with a three-year-old son. Gracy's husband was diagnosed with ALS the same year that their son was born, and the same year he graduated from Firefighter Academy.

We're so thankful to Gracie for opening up and sharing her journey navigating the financial and emotional challenges that followed her husband's ALS diagnosis, and the incredible support she received from organizations like Tunnels to Towers.

Barbara offers her insight on how to manage finances during a health crisis and what to prioritize. Her advice may surprise you.

Click here to learn more about Tunnels to Towers.

Click here for more info on ALS Legislation.

If you'd like to be a guest on the podcast, we are looking specifically for women who want to discuss their personal finances and have questions about retirement planning, social security, and more.

💌 DM us on Instagram (@futurerichpodcast) or apply here. Let’s make it happen! ✨ #FutureRichPodcast

**All of our newsletters have moved to Substack, so subscribe if you want to keep in the loop with all things Future Rich!

Subscriptions are FREE!

Subscribe to our YouTube

Visit the Future Rich Podcast website for Financial Freebies and Classes

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!

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

321. Jill "Managing Family Finances and Building $750K in Retirement Savings" May 15, 2026

Show notes

In this episode of Future Rich, we're joined by the lovely Jill!

Jill lives in the NY metro area with her husband and three children. She shares her experiences working in corporate America right out of college, moving to New York from the Midwest, why she decided to step down from her career to become a full-time stay-at-home mom, and how she saved $750K in her Personal IRA.

The conversation also touches on...

The complexities of retirement planning
The role of financial advisors
The need for financial literacy, especially for women
The impact of social security on retirement planning
... and more!

If you'd like to be a guest on the podcast, we are looking specifically for women who want to discuss their personal finances and have questions about retirement planning, social security, and more.

💌 DM us on Instagram (@futurerichpodcast) or apply here. Let’s make it happen! ✨ #FutureRichPodcast

**All of our newsletters have moved to Substack, so subscribe if you want to keep in the loop with all things Future Rich!

Subscriptions are FREE!

Subscribe to our YouTube

Visit the Future Rich Podcast website for Financial Freebies and Classes

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!

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