Future Rich with Barbara Ginty, CFP®

Latest Episodes:

21 Expert Interview w/ Marcus Garrett Feb 01, 2019

Show notes

In this special expert interview episode, Certified Financial Planner Barbara Ginty interviews Marcus Garrett, host of the Paychecks and Balances podcast and author of Debt Free or Die Trying. Marcus tells the inspiring story of how he racked up and then paid off $30k in debt by age 30. Barb and Marcus also bond over their shared love of emergency funds. Relevant links: Yes, Banks Are Reordering Your Transactions And Charging Overdraft Fees https://www.forbes.com/sites/halahtouryalai/2013/06/11/yes-banks-are-reordering-your-transactions-and-charging-overdraft-fees/#401decde6daa The term (Chase Bank) is "Debit Card Coverage." You can turn this service off, while still separately maintaining Overdraft Protection https://www.chase.com/personal/checking/overdraft-services/debit-card-coverage You can find Marcus on twitter at @TheMarcusGarret instagram.com/planancial facebook.com/planancial Follow us to stay up to up to date and let us know what topics you'd like Barbara to cover more in-depth this season.
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20 Mary - "Lingering Debt" Jan 25, 2019

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Certified Financial Planner Barbara Ginty interviews Mary, a 34 year old paralegal who lives in Upstate New York. Mary is a single mother who is in the process of adopting a child from a foreign country. Mary has some student loan debt that she can't seem to shake and Barbara helps her formulate a strategy to tackle it before the adoption goes through. They talk about the financial differences between having one and two children, as well as the importance of life insurance when there are kiddos in the picture. instagram.com/planancial facebook.com/planancial Follow us to stay up to up to date and let us know what topics you'd like Barbara to cover more in-depth this season.
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19 Beatrice - "Financial Drama" Jan 18, 2019

Show notes

Welcome to Season 2! We're so excited to kick things off - this season it's all about strategizing and setting goals to get #FutureRich. In this episode, Certified Financial Planner Barbara Ginty interviews Beatrice, a 32 year old who lives in Austin, TX and makes around 75k a year as a technical recruiting consultant. Last year, she separated from her fiancé and the breakup led to some sticky financial stuff. Barbara and Beatrice discuss how she is recovering from that huge life change and planning ahead for the future.
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Season 1 Wrap Dec 27, 2018

Show notes

2018 is almost over - we can't believe it! This year has been so much fun and we have some exciting things in store for Season 2. It's all about getting #FutureRich. In addition to personal finance interviews, we're going to be chatting with experts. We want to hear from you: what types of experts do you want Barbara to interview? We're also looking for GUESTS! If you or a friend want to be on the podcast please let us know. Next season we're reaching beyond the NYC area - you can be anywhere and we'll make it happen. Find us on social @Planancial or send us an email planancialpod@gmail.com and let us know. HERE'S TO 2019!
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18 Hannah - "Where does it all go?!" Sep 30, 2018

Show notes

Certified Financial Planner Barbara Ginty interviews Hannah, a 29 year old attorney who lives in Brooklyn. Hannah has some student loan debt in her home country and a unique plan to pay it off. She also recently moved in with her boyfriend and was shocked by the reality vs expectation of saving money by moving in with a partner. Barbara helps her plan out ways to tackle some lingering credit card debt.
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17 Jane - "I feel like there's a long climb ahead" Sep 14, 2018

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Certified Financial Planner Barbara Ginty interviews Jane, a 34 year old single mother who lives in Connecticut. Jane works in sales and has recently endured a tough 5 months of unemployment where she built up some credit card debt. Barbara helps Jane figure out next steps as far as getting the debt under control and building up some savings. They also discuss how to get the kids involved in budgeting and the pressures of living in an affluent area as a single parent.
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16 Clementine - "It's my responsibility to hustle" Aug 31, 2018

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Certified Financial Planner Barbara Ginty interviews Clementine, a 36 year old who lives in Brooklyn. Clementine is going through some huge life changes. She just quit her job as a handbag designer making 105k to start her own culinary business. They discuss the huge risk of starting you own business and Clementine's decision to take out her 401k early in order to move from Jersey City to Brooklyn after separating from her spouse.
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15 Ivy - "The only sure things in life are death and taxes" Aug 17, 2018

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Certified Financial Planner Barbara Ginty interviews Ivy, a 31 year old who recently left her job as a senior staffer at a nonprofit in DC to travel full time while doing contract work. Barbara and Ivy discuss the freedom (and surprises!) that comes with being your own boss. They break down the finances of being a global citizen and how Ivy makes it work, and turns out she knows every airfare trick in the book!
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14 Sonja - "I'm going to be a ballerina on the moon before that happens" Aug 03, 2018

Show notes

Certified Financial Planner Barbara Ginty interviews Sonja, a 43 year old who lives in NYC and 7 years ago left her job in high end interior design to start her own floral design business. She credits an effort to be kinder to herself as the inspiration for branching out on her own. They discuss the various emotional ties we can have to our debt and how getting rid of it is always more complicated than expected. In Sonja's case, this was a credit card debt strategy that came with a tax-season surprise.
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13 Cassandra - "I ghosted on my loans" Jul 20, 2018

Show notes

Certified Financial Planner Barbara Ginty interviews Cassandra, a 25 year old who lives in NYC and just started a job at an animal rights nonprofit. She makes 35k base salary and currently has some student loans in forbearance. Barbara gives her advice on how to tackle the loans, suggests an income based repayment program, and explains credit scores as they pertain to loan payments.
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