Future Rich with Barbara Ginty, CFP®

Latest Episodes:

320. Annie "Moving Back In with My Parents to Pay Off $10K of Credit Card Debt" May 08, 2026

Show notes

Happy Friday! This week on the podcast, we have a great episode with our lovely guest, Annie!

Annie is 33 years old, lives in Pennsylvania with her parents, and works as a data analyst. She racked up $10K of credit card debt in her 20s and just finished paying it off. She is getting ready for a big move to Orlando, Florida, and dreams of retiring in her 50s.

Despite her credit card debt and having $5K of student loans left to pay, Annie is on track to have $2 Million in savings in the next 20 years!

Barb and Annie discuss...

Becoming work optional by age 55
The importance of maintaining a healthy balance between current living expenses and future savings
Annie's impressive savings across various accounts
Her upcoming expenses related to her move
Annie's strategies for managing student loans and retirement contributions
...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!

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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319. The Raw Insight Into Closing a Business with Jaclyn Tracy May 01, 2026

Show notes

Happy Friday, Future Rich Fam! In this episode, host Barbara Ginty is joined by entrepreneur Jaclyn Tracy, founder of Sistain, about her journey building a non-toxic home goods marketplace, the challenges she faced throughout the entire process, and the lessons she learned from closing Sistain.

The conversation delves into...

The importance of truly understanding the financials in a small business
The impact of market timing
The emotional toll of entrepreneurship
The significance of building a strong business model alongside a brand
... and so much more!

Check out Jaclyn's Substack here.

Follow Jaclyn on Instagram here.

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

318. Joan "Planning for Aging Parents and Their Financial Needs" Apr 24, 2026

Show notes

Happy Friday! This week on the podcast, we have a great episode with our lovely guest, Joan!

Joan is 33 years old, lives in Southern California with her partner, and works in supply chain management for clothing companies. She recently got a raise and now makes $95K per year. Joan has a travel fund and a brokerage account for investments. She and her partner are savers and have similar mindsets when it comes to finances. Joan is worried about her parents and what their financial needs will be as they age.

Barb and Joan discuss...

The complexities of estate planning
The difference between a Roth IRA and a Roth 401k
How estate planning can protect assets from long-term care costs
Navigating Long-Term Care Conversations
...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

317. Jane Follow Up "Changing Careers at 40 with $2 Million Saved" Apr 17, 2026

Show notes

In this episode of Future Rich, Barbara follows up with Jane from episode 265 of the pod to discuss Jane's financial journey as she approaches her 40th birthday. Jane is still considering leaving her position in sales two years after her first conversation with Barbara, but this time she has $2 million saved in combined assets with her husband, including their retirement accounts, a high-yield savings account, and a brokerage account. They still have minimal debt, with only mortgages and a car payment.

Barb and Jane discuss...

Jane's current financial situation, including income, savings, and debt
Jane's plans to leave her corporate job and the implications of that decision
Budgeting for a single income
The importance of flexibility when making life pivots
Lifestyle changes when cutting an income in half with two small children and two houses
... 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

316. Start-ups and Financial Scams with Ashley of Higher Innovation Apr 10, 2026

Show notes

Happy Friday, Future Rich Fam! In this episode, host Barbara Ginty is joined by expert guest and Co-Founder of Higher Innovation, Ashley Ciccel, to discuss the alarming rise of financial scams targeting startups, particularly those with female founders. Ashley shares her personal experience with a potential scam, highlighting key red flags and the need for gut checks in decision-making.

Barb and Ashley also discuss...

The challenges of fundraising
The sophistication of scammers
The importance of due diligence and networking
The vulnerability of startups in the current financial landscape
Strategies for protection against scams
... and more!

Check out Higher Innovation here.

Follow Higher Innovation on Instagram here.

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

315. Roxanne "The Stigma and Shame Behind Having Debt" Apr 03, 2026

Show notes

Happy Friday! This week on the podcast, we have a really special episode with our lovely guest, Roxanne!

Roxanne is 39 years old, lives in Los Angeles, CA, and works in the entertainment industry in marketing. She lives with her partner who has been struggling to keep a steady income in the film industry for the past few years. Despite their relatively low rent, they're struggling to make ends meet on Roxanne's 75K per year income.

Barb and Roxanne discuss...

The challenges of managing expenses in a high-cost city
The impact of job instability on income
The importance of teamwork in addressing financial issues
The need for open discussions about money in relationships
Creative solutions to improve financial stability
... 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

314. Sandy "You'll Have 2 Million Dollars by the Time You're 40!" Mar 27, 2026

Show notes

Happy Friday Future Rich fam! This week on the pod we have the wonderful Sandy!

Sandy is 35 years old, lives in Brooklyn, NY, and works at a Systems Admin Tech company. She recently got a 30% raise at her work! Sandy has big goals for financial independence and is well on her way there with 40k in her emergency funds and almost 1 million dollars in retirement savings.

Barb and Sandy discuss...

How she got her recent salary increase
Living expenses in New York City
Strategies for maximizing retirement contributions
The pros and cons of real estate investment
... 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

313. Egg Freezing and IVF: A Candid Conversation with Ali Prato Mar 20, 2026

Show notes

Happy Friday Future Rich fam! This week, we have a special crossover episode for you! Barbara sits down with Author and Founder of the Infertile AF Group, Ali Prato to discuss her deeply personal fertility journey — and to talk honestly about the emotional and financial realities of IVF.

They discuss...

Barbara's personal fertility journey
Ali's secondary infertility and IVF journey
Common misconceptions about fertility and the emotional challenges women face
Societal pressures for women to start a family
The logistics involved with egg freezing
The emotional rollercoaster that comes with fertility treatments
The financial aspect of fertility treatments
... and so much more!

Ali Prato is an award-winning journalist and mama-of-two who went through secondary infertility, IUIs, IVF, depression, grief, and relationship issues. She is the founder of Infertile AF Group, a leading fertility media, community, and partnerships platform trusted by patients, clinics, and healthtech companies across the reproductive health ecosystem.

Check out Ali's website here.

Listen to Ali's podcast here.

Check out Ali's Children's Book Series about IVF, IUI and Family Building Through Assisted Reproductive Technology

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

312. Navigating the Non-Deductible IRA Mar 13, 2026

Show notes

Happy Friday Future Rich fam! In this week's shorter topic-focused episode of Future Rich, Certified Financial Planner Barbara Ginty continues to discuss the fundamentals of Individual Retirement Accounts (IRAs), this time focusing on Non-Deductible IRAs.

Barbara provides an in-depth explanation of the often-overlooked non-deductible IRA. She discusses...

Their mechanics
The eligibility criteria
Their contribution limits
The importance of tracking contributions to avoid tax complications

We hope you enjoy these shorter topic-focused episodes! Our full-length guest and expert episodes will return on March 20th.

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

311. Make Your Roth IRA Your Best Friend in Retirement Mar 06, 2026

Show notes

Barbara provides an in-depth explanation of Roth IRAs, covering their...

Contribution limits
Eligibility requirements
Income thresholds
Tax-free withdrawal conditions
Unique benefits compared to traditional IRAs.

We hope you enjoy these shorter topic-focused episodes! Our full length guest and expert episodes will return on March 20th.

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