Future Rich with Barbara Ginty, CFP®

Latest Episodes:

292. Samantha Pt. 2 "Does Renting Make More Sense For You?" Aug 08, 2025

Show notes

In this two-part episode of Future Rich, host Barbara Ginty interviews 36-year-old Samantha! Samantha is a former teacher and current co-founder of a youth dance business in the San Francisco Bay Area.

In today's pod, Samantha and Barb discuss...

Retirement planning as a business owner
The positives and negatives of becoming a homeowner
Saving money to start a family
...and more!

*This is part two of a two-part episode; part one aired last Friday on 8/1

**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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291. Samantha Pt. 1 "Challenges of Owning a Business and Simple IRAs vs Sep IRAs" Aug 01, 2025

Show notes

In today's pod, Samantha and Barb discuss...

The challenges of starting a business
Insights into managing business finances AND personal savings
The differences between Simple IRAs and SEP IRAs

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

**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

290. Minnie Follow Up Pt. 2 "The Best Practical Budgeting Strategies" Jul 25, 2025

Show notes

In this two-part follow-up episode of Future Rich, host Barbara Ginty follows up with recurring guest Minnie to discuss significant changes in her financial landscape over the past few years. She is married with two kids, and lives and works in Minnesota. Spoiler: A LOT has changed!

Minnie's first time on Future Rich was back in September of 2020 (episode 93), and her second episode was in September of 2021 (episode 132). Feel free to listen to those episodes if you want Minnie's entire backstory!

In today's pod (which is part 2 of her follow-up), Minnie and Barb continue to catch up and discuss...

The importance of financial education for women
The value of financial advisors
The significance of understanding fiduciary responsibilities
The importance of regular financial check-ins
The best practical budgeting strategies

*This is part two of a two-part episode; part one aired on Friday on 7/11

**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

289. Future-Proof Your Child's Finances: A Deep Dive into Trump Accounts and 529 Plans Jul 18, 2025

Show notes

Happy Friday Future Rich Fam! 💸

This week, Barbara Ginty, CFP takes a deep dive into the latest in tax-advantaged savings with the introduction of Trump Accounts from the "Big Beautiful Bill" and the expansion of 529 Plans.

Whether you're expecting a child or planning for their future, this episode provides essential insights into maximizing these financial tools.

🔍 In this episode Barbara Covers:

Trump Accounts:

Learn about the $1,000 government seed money that the "Big Beautiful Bill" is offering and how these accounts function like a non-deductible IRA.

529 Plans:

Discover the flexibility of 529 Plans for education and retirement savings, including the potential for state tax deductions.

Comparison:

Understand the differences in contribution limits, tax implications, and qualified expenses between the two plans.

💡 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

288. Minnie Follow Up Pt. 1 "Rising Childcare Costs and the Importance of Emergency Funds" Jul 11, 2025

Show notes

In today's pod, Minnie and Barb catch up and discuss...

Maintaining a robust emergency fund
The impact of income fluctuations on financial stability
The relief that comes from student loan forgiveness
Retirement planning
Childcare and medical costs

*This is part one of a two-part episode; part two will air next Friday on 7/18

**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

287. Dr. Pepper Potts Pt. 2 "The Best Time To Do Roth Conversions" Jul 04, 2025

Show notes

In this two-part episode of Future Rich, host Barbara Ginty speaks with Dr. Pepper Potts, a 38-year-old who is transitioning from medical school to general surgery residency this July in New Jersey.

In this episode, they discuss...

A plan for Dr. Pepper Potts to pay off $30,000 of her credit card debt
Different options for a Roth IRA conversion
Budgeting and expense management throughout residency.
Dr. Pepper Pott's future income potential as a doctor

*This is part two of a two-part episode; part one aired on Friday on 6/27

**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!

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

286. Dr. Pepper Potts Pt. 1 "Balancing Student Loan Debt and Medical Residency" Jun 27, 2025

Show notes

In this two-part episode of Future Rich, host Barbara Ginty speaks with Dr. Pepper Potts, a 38-year-old who is transitioning from medical school to general surgery residency this July in New Jersey.

In this episode, they discuss...

Dr. Potts' financial journey, including her residency salary, living expenses, and the burden of student loans
Strategies for managing debt
The importance of public service loan forgiveness
Investment planning for the future

*This is part one of a two-part episode; part two will air next Friday on 7/4

**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

285. Maude Pt. 2 "I'm So Confused About Retirement!" Jun 20, 2025

Show notes

In this two-part episode of Future Rich, host Barbara Ginty speaks with Maude, a 31-year-old nurse practitioner living in Pennsylvania. She and her fiancé have been together for seven years and are planning a wedding in 2026.

In this episode, they discuss...

Different retirement accounts and the different purposes they serve
Whether or not Maude and her partner should start a joint account
A plan for Maude to pay off her student loans to free up cash flow for the future

*This is part two of a two-part episode; part one aired on Friday on 6/13.

**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!

Read less

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

284. Maude Pt. 1 "I'm Trying to Pay Off 48K in Student Loan Debt" Jun 13, 2025

Show notes

In this episode, they discuss...

The challenges of homeownership
The impact of health insurance costs
Strategies for managing student loan debt
Student Loan Forgiveness options
... and more!

*This is part one of a two-part episode; part two will air next Friday on 6/20.

**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

283. Elder Fraud and How To Protect Your Retirement Jun 09, 2025

Show notes

🚨 Protect Yourself & Your Loved Ones from Financial Scams 🚨

This week on Substack, Future Rich host Barbara Ginty dives into the alarming rise of financial crimes targeting seniors—particularly those 60 and older. 💸

🔍 In this episode:

The growing sophistication of scams and how they operate
The emotional and financial toll on victims
Tools to recognize red flags and prevent falling victim
Guidance on what to do if you or a loved one are affected, including navigating tax implications of losses

Barbara shares personal stories, actionable tips, and resources to help safeguard your retirement or assist loved ones in protecting theirs. 🛡️

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

👉 This is a Substack exclusive episode of Future Rich! If you want to listen to the full episode and help support the podcast, please consider becoming a paid subscriber on our Substack!

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