Future Rich with Barbara Ginty, CFP®

Latest Episodes:

302. Zoe PT. 1 "Student Loans Are Predatory!" Oct 17, 2025

Show notes

In this episode of Future Rich, host Barbara Ginty speaks with Zoe, a 34-year-old mental health therapist living in Florida with her husband and their five-year-old daughter.

They discuss...

Zoe's income and business structure shifting from an LLC to an S-Corp
Credit Card Debt
Student Loan Debt
... and more!

*This is part one of a two-part episode; part two will be available on all major podcast platforms next Friday, 10/24.

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

We have free subscriptions and paid subscriptions.

This season of Future Rich we’re bringing you even more REAL guest stories about personal finance AND diving deeper into retirement planning.

Got burning questions about retirement? Or want to be an anonymous guest on the pod? 🌍 No matter where you are in the world or your financial situation, we’d love to have you!

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

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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301. The Pros and Cons of Buy Now, Pay Later Oct 10, 2025

Show notes

Happy Friday Future Rich Fam! 💸

This week, Barbara Ginty, CFP takes a deep dive into Buy Now Pay Later (BNPL).

🔍 In this episode Barbara Covers:

The definition of BNPL
Why BNPL is different from credit cards
The risks associated with using BNPL
The importance of using BNPL strategically
Upcoming changes in credit reporting that will affect users of BNPL
Whether or not she recommends BNPL

💡 Knowledge is power—don’t miss this important deep dive!

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

We have free subscriptions and paid subscriptions.

This season of Future Rich we’re bringing you even more REAL guest stories about personal finance AND diving deeper into retirement planning.

Got burning questions about retirement? Or want to be an anonymous guest on the pod? 🌍 No matter where you are in the world or your financial situation, we’d love to have you!

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

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

300. Jane Pt. 2 "Unchecked Mistakes Could Be Costing You Money!" Oct 03, 2025

Show notes

In this episode of Future Rich, host Barbara Ginty speaks with Jane, a therapist with multiple income streams, about her impressive financial journey. Jane is 44 years old, lives with her partner, owns two different properties, and works one full-time job and two part-time jobs.

They discuss...

Using online mortgage calculators
When and if Jane should refinance her mortgages
Why you should ALWAYS have professionals double-check your finances
Estate, trusts, and wills
Why Barb recommends a simple estate plan for Jane
Should Jane keep her full-time job?!

*This is part two of a two-part episode; part one aired last week! Please listen to that if you have not already, it's #299

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

We have free subscriptions and paid subscriptions.

This season of Future Rich we’re bringing you even more REAL guest stories about personal finance AND diving deeper into retirement planning.

Got burning questions about retirement? Or want to be an anonymous guest on the pod? 🌍 No matter where you are in the world or your financial situation, we’d love to have you!

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

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

299. Jane Pt. 1 "Multiple Streams of Income and Saving $45K Per Year!" Sep 26, 2025

Show notes

They discuss...

Jane's gross income and tax implications as a business owner
Jane's aggressive savings strategies
Jane's goals for financial independence
... and more!

*This is part one of a two-part episode; part two will be available on all major podcast platforms next Friday, 10/3.

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

We have free subscriptions and paid subscriptions.

This season of Future Rich we’re bringing you even more REAL guest stories about personal finance AND diving deeper into retirement planning.

Got burning questions about retirement? Or want to be an anonymous guest on the pod? 🌍 No matter where you are in the world or your financial situation, we’d love to have you!

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

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

298. Hannah Pt. 2 "Should You REALLY Invest in Real Estate?" Sep 19, 2025

Show notes

In this week's new episode of Future Rich, CFP Barbara Ginty continues her conversation with Hannah, a 51-year-old veterinarian living in Utah, with a base salary of $130,000. In last week's episode, we learned that Hannah has done her financial homework because she's set to be a multimillionaire by the time she retires.

In this episode, Barb and Hannah discuss...

The future of Social Security
Hannah's goals for traveling
Pain points when planning for the future
Investing in Stocks vs. Real Estate
...and so much more!

*This is part two of a two-part episode; part one is available on all major podcast platforms.

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

We have free subscriptions and paid subscriptions.

This season of Future Rich we’re bringing you even more REAL guest stories about personal finance AND diving deeper into retirement planning.

Got burning questions about retirement? Or want to be an anonymous guest on the pod? 🌍 No matter where you are in the world or your financial situation, we’d love to have you!

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

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

297. Hannah Pt. 1 "Ex-Fiancés and Estate Planning" Sep 15, 2025

Show notes

In this week's new episode of Future Rich, CFP Barbara Ginty speaks with Hannah, a 51-year-old veterinarian living in Utah, with a base salary of $130,000. Hannah has done her financial homework and is set to be a multimillionaire by the time she retires.

Barb and Hannah discuss...

A bad experience Hannah had with an ex-fiancé
The importance of having a financial advisor
Projected Social Security Payments
The challenges of navigating inherited assets
Estate planning
...and so much more!

*This is part one of a two-part episode; part two will air on Friday 9/19

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

We have free subscriptions and paid subscriptions.

This season of Future Rich we’re bringing you even more REAL guest stories about personal finance AND diving deeper into retirement planning.

Got burning questions about retirement? Or want to be an anonymous guest on the pod? 🌍 No matter where you are in the world or your financial situation, we’d love to have you!

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

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

296. Celine "Navigating a Career Change to Financial Planning" Sep 05, 2025

Show notes

In this week's new episode of Future Rich, host Barbara Ginty interviews the fantastic Celine! Celine is a returning guest, but this episode is different because she is going on a new and exciting journey of transitioning into the financial planning industry!

Barbara gives Celine some guidance and insights on her own journey to becoming a CFP, emphasizing the value of building relationships with clients and aligning personal values with professional goals.

They also touch on...

The administrative aspects of the job
The role of niche specialization
The different ways you can structure your payments as a CFP
The pros and cons of the industry
The long-term career perspectives in financial advisory

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

We have free subscriptions and paid subscriptions.

This season of Future Rich we’re bringing you even more REAL guest stories about personal finance AND diving deeper into retirement planning.

Got burning questions about retirement? Or want to be an anonymous guest on the pod? 🌍 No matter where you are in the world or your financial situation, we’d love to have you!

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

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

295. Violet Pt. 2 "What No One Tells You About Credit Cards" Aug 29, 2025

Show notes

In this two-part episode of Future Rich, host Barbara Ginty interviews the lovely Violet!

Violet is 30 years old, lives in Pennsylvania, and works as a digital marketing associate for a finance firm where she makes around $52K per year. Violet also recently picked up a part-time job as a bartender to make extra income.

Violet and Barb discuss...

How Violet manages two jobs
The challenges she faces in paying down her credit card debt
How a strict budget impacts relationships with family and friends
How Violet's mindset on money has changed over the years
Employee Stock Ownership Programs
...and so much more!

*This is part two of a two-part episode; part one will aired last Friday on 8/22

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

We have free subscriptions and paid subscriptions.

This season of Future Rich we’re bringing you even more REAL guest stories about personal finance AND diving deeper into retirement planning.

Got burning questions about retirement? Or want to be an anonymous guest on the pod? 🌍 No matter where you are in the world or your financial situation, we’d love to have you!

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

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

294. Violet Pt. 1 "Balancing Two Jobs to Pay Off $25K of Credit Card Debt" Aug 22, 2025

Show notes

In this two-part episode of Future Rich, host Barbara Ginty interviews the lovely Violet!

Violet and Barb discuss...

How Violet manages two jobs
The challenges she faces in paying down her credit card debt
How a strict budget impacts relationships with family and friends
How Violet's mindset on money has changed over the years
Employee Stock Ownership Programs
...and so much more!

*This is part one of a two-part episode; part two will air next Friday on 8/29

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

We have free subscriptions and paid subscriptions.

This season of Future Rich we’re bringing you even more REAL guest stories about personal finance AND diving deeper into retirement planning.

Got burning questions about retirement? Or want to be an anonymous guest on the pod? 🌍 No matter where you are in the world or your financial situation, we’d love to have you!

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

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

293. EXPERT Charlotte Geletka "What You Need To Know About Trump's One Big Beautiful Bill" Aug 15, 2025

Show notes

Happy Friday Future Rich Fam! 💸

This week, Barbara Ginty, CFP® is reunited with fellow CFP® and CRPC®, Charlotte Geletka! Charlotte is the Managing Partner and Financial Advisor at Silver Penny Financial, based in Atlanta, Georgia. Together, they unravel the complexities of recent tax law changes from Trump's "One Big Beautiful Bill."

🔍 In this episode Barbara and Charlotte cover:

Expanded 529s
The increased standard deduction
The nuances of SALT (state and local tax) deductions
Benefits for seniors and how to maximize them
Understanding bonus depreciation and Section 179
Navigating the complexities of tax deductions for business expenses
The importance of tracking tips and overtime
... and more!

Whether you're a seasoned tax planner or just starting to understand your tax situation, this episode offers valuable insights to help you navigate the ever-evolving tax landscape.

Read Charlotte's latest blog covering OBBBA.

Learn more about Silver Penny Financial HERE.

Find Charlotte HERE.

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

We have free subscriptions and paid subscriptions.

This season of Future Rich we’re bringing you even more REAL guest stories about personal finance AND diving deeper into retirement planning.

Got burning questions about retirement? Or want to be an anonymous guest on the pod? 🌍 No matter where you are in the world or your financial situation, we’d love to have you!

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

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