Future Rich with Barbara Ginty, CFP®

Latest Episodes:

281. Sarah Pt. 2 "Leveraging Multiple Income Streams for Financial Security" May 30, 2025

Show notes

In this two-part episode of Future Rich, host Barbara Ginty speaks with Sarah, a 46-year-old middle school teacher married to a paramedic. They live in the southwest and have four boys.

*This is part two of a two-part episode; part one aired on 5/23.

They continue to discuss...

Debt management
Employer contributions
How Sarah can leverage multiple income streams
A 5-year plan for Sarah and her family to achieve financial security
The unique considerations that families with children who have special needs should take

**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

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Visit the Future Rich Podcast website for Financial Freebies and Classes

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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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280. Sarah Pt. 1 "Paying off $21K of debt with Four Kids" May 23, 2025

Show notes

In this two-part episode of Future Rich, host Barbara Ginty speaks with Sarah, a 46-year-old middle school teacher married to a paramedic. They live in the southwest and have four boys.

Barbara and Sarah go over her salary, her husband's job as a paramedic, their pension plans, health insurance, and the challenges of managing a household with four boys.

They discuss...

How to navigate the complexities of student loans
Income-based repayment plans
Sarah's plan for their children's education including 529s
... and more!

*This is part two of a two-part episode; part one will air next Friday on 5/30.

**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

279. Barbara "Maximizing Your Social Security Benefits" May 16, 2025

Show notes

In this episode of Future Rich, host and CFP, Barbara Ginty, delves into the complexities of Social Security benefits, focusing on spousal, former spouse, and survivor benefits. She emphasizes the importance of understanding these benefits, especially for women, who represent a significant portion of beneficiaries.

This episode includes...

Strategies for maximizing benefits
The implications of delaying benefits
The necessity of planning for retirement income beyond Social Security.

We encourage listeners to consider all their Social Security options carefully to ensure a secure financial future.

Subscribe to our Substack for more topic-focused deep dives like this!

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

278. Katherine Pt. 2 "We Need 8 Million to Retire?!" May 09, 2025

Show notes

In this two-part episode of Future Rich, host Barbara Ginty speaks with Katherine, an airline pilot with a significant income and complex financial situation.

Katherine is 48 years old and is a pilot making around 350 - 375k a year. She lives with her 55-year-old partner, who has retired, her two children, one is 8 and the other is college-aged, and her mother-in-law.

In part 2 of this episode, they discuss...

A plan for Katherine to be able to balance present enjoyment with future needs
Aligning financial goals with family dynamics
How much Barbara estimates Katherine will need to save in order to retire comfortably
The importance of focusing on an emergency fund
Barbara's 90-day financial sprint method

*This is part two of a two-part episode; part one aired on 5/2

**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

277. Katherine Pt. 1 "It's interest on interest on interest on interest!" May 02, 2025

Show notes

In this two-part episode of Future Rich, host Barbara Ginty speaks with Katherine, an airline pilot with a significant income and complex financial situation.

They discuss...

Katherine's 401(k) plan, which includes an unprecedented employer match
Understanding the impact of student loans and the capitalization of interest
Retirement planning with mandatory retirement ages
The importance of having an emergency fund as a safety net for unexpected expenses.
The complexities of balancing Katherine's lifestyle and financial responsibilities

*This is part two of a two-part episode; part one will air next Friday on 5/9.

**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

275. Eileen Pt. 2 "Financial Literacy and Adjusting Your Retirement Plan" Apr 18, 2025

Show notes

In this two part episode of Future Rich, host Barbara Ginty speaks with the lovely Eileen about her financial goals after her recent move from Pennsylvania to Florida!

*This is part two of a two-part episode, part one aired last Friday on 4/11!

Here is a recap on our guest:

Eileen is 43 years old, works remotely for a software company with a base income of $65K per year, and just purchased a new home with her partner in Florida using a down payment assistance program!

In this episode, Barb and Eileen discuss...

The importance of taking time off from saving/investing if you feel you need to
Investing after living through paying off debt
Why you should have a mix of retirement money
The importance of being patient with your investments during "down" or "unstable" periods in the market

Subscribe to our Substack for more topic-focused deep dives like this!

**All of our newsletters will move to Substack so subscribe if you want to keep in the loop with all things Future Rich! We will 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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274. Eileen Pt. 1 "The Journey of Buying a Home in Florida and Getting Down Payment Assistance" Apr 11, 2025

Show notes

In this episode of Future Rich, host Barbara Ginty speaks with the lovely Eileen about her financial goals after her recent move from Pennsylvania to Florida!

*This is part one of a two-part episode, so part two will air next Friday on 4/18!

Eileen is 43 years old, works remotely for a software company with a base income of $65K per year, and just purchased a new home with her partner in Florida using a down payment assistance program!

Barb and Eileen discuss...

The importance of having a solid financial plan
How Eileen got down payment assistance for her mortgage
Managing debt and preparing for retirement while also addressing the emotional aspects of handling money and investments.
Eileen's concerns about feeling behind in her retirement savings
...and more!

Subscribe to our Substack for more topic-focused deep dives like this!

**All of our newsletters will move to Substack so subscribe if you want to keep in the loop with all things Future Rich! We will 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

273. BARBARA "Social Security Facts You Need To Know" Apr 04, 2025

Show notes

In this episode of Future Rich, host and CFP, Barbara Ginty, discusses the importance of financial literacy, mainly focusing on social security. Barbara addresses…

Common misconceptions
The history and purpose of social security
Eligibility requirements
The significance of social security as a supplement to retirement income.

This conversation emphasizes the need for better understanding and planning around social security benefits, especially for women and retirees.

Listen to find out what Barbara's takeaways are for those of you that are worried about social security in 2025.

Subscribe to our Substack for more topic-focused deep dives like this!

**All of our newsletters will move to Substack so subscribe if you want to keep in the loop with all things Future Rich! We will 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

272. GABBY "You Have Him Paying Half the Mortgage?!" Mar 28, 2025

Show notes

In today's episode of Future Rich, host Barbara Ginty chats with Gabby! Gabby just turned 30, lives in a high-cost-of-living city in the Midwest, and makes a base pay of 160K per year working in corporate finance.

They discuss...

Gabby's income, expenses, and budgeting strategies
How a lifestyle switch in Gabby's upbringing shaped her savings mindset
Navigating finances with partners
(ESPPs) Employ Stock Purchase Plans and 529s
Gabby's good financial habits and how she's avoided lifestyle creep
...and more!

Listen to find out what Barbara's practical advice is for Gabby to continue to set her future self up for financial success!

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

271. Cindy "Building a Budget at 25 Years Old" Mar 21, 2025

Show notes

In today's episode of Future Rich, host Barbara Ginty speaks with Cindy, a 25-year-old nonprofit development worker, about her financial journey. Cindy shares her experiences with budgeting and the steps she is taking to improve her financial situation, some of which might surprise you!

They discuss...

Cindy's income, expenses, budgeting strategies, and the challenges she faces with debt management.
The importance of having an emergency fund
Understanding refinancing options
Setting future financial goals with her husband

Find out what Barbara's practical advice is for Cindy to set her future self up for financial success!

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