Education
**Future Rich with Barbara Ginty, CFP®**

By 2030, women will control more wealth than most countries' GDP, yet women still don't talk about money! Future Rich Podcast aims to change that! We are a female-hosted and female-focused podcast that covers all things money — how it is spent, saved, and everything in between! Our host Barbara Ginty is a Certified Financial Planner with over a decade of experience. She is a true expert in the field of finances, managing over 100 million dollars. Her conversations go DEEP and give insight into the REAL finances of everyday women, along with various inspirational guests and financial experts! Listen in to hear about the dirty topic no one wants to talk about….money.

Latest Episodes:

342. EXPERT Leslie H. Tayne, Esq. - "Can Bankruptcy be a Wealth Building Tool?" Oct 23, 2026

Show notes

In this highly requested EXPERT episode of Future Rich, CFP Barbara Ginty is joined by Leslie H. Tayne, Esq., a seasoned financial attorney. Together, they debunk myths about bankruptcy and explore whether it can be a viable wealth-building strategy.

Here are some key topics we cover:

Different chapters of bankruptcy (7, 13, 11)
Qualification criteria and means test for bankruptcy
Impact of bankruptcy on credit score and wealth building
Debt settlement vs bankruptcy: pros and cons
Tax implications of debt forgiveness and settlement
Strategies for managing credit card debt and spending habits

Leslie has 20+ years of experience in the practice area of consumer and business financial debt-related services. She's highly accomplished in negotiation and settlements and has gone up against large national banks, credit unions, collection agencies, and multiple creditor legal representatives. Leslie leads Tayne Law Group, an award-winning commercial litigation and debt solutions law firm. She contributes as a financial expert across national media and — most importantly — has helped thousands of people become debt-free.

Leslie's Website

Follow Leslie on Instagram

Barbara is currently in 1st place to win TOP HOST, a competition with iHeartRadio and Ryan Seacrest. If she wins, she'll be able to lead her own podcast produced by iHeartRadio, take home $25,000, and be a guest on an episode of On Air with Ryan Seacrest!

Help Barbara win and VOTE 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!

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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341. Nancy Follow Up - "Budgeting when Childcare Costs Skyrocket!" Oct 17, 2026

Show notes

In this episode of Future Rich, financial expert Barbara Ginty interviews returning guest Nancy! Listen to Nancy’s episode #166 from 2022 before this one if you haven't already!

A lot has changed since 2022, Nancy has moved from Georgia to South Carolina, has increased her income, and now has two children with a third on the way!! Nancy is worried about how much cash savings she has, how expensive childcare is, and most of all, how to balance her savings with living her life to the fullest.

Barbara and Nancy discuss...

Building an emergency fund with multiple income streams
Managing childcare costs and planning for future expenses
Retirement savings growth and contribution strategies
Impact of life changes on financial goals and budgeting
Saving for college and family vacations
... and more!

Help Barbara win and VOTE 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

340 - Megan "Realistic Ways to Reduce $21K of Credit Card Debt in 90 Days" Oct 09, 2026

Show notes

Happy Friday Future Rich fam! In this episode, CFP Barbara Ginty interviews the lovely Megan!

Megan is 38, lives in North Carolina, and works as an Office Manager. She got herself into a bit of a financial situation after moving in with her partner, has no retirement or emergency fund, and plans to move out in one year. Don't worry, Megan makes around $67K per year, just got a raise, and is dedicated to getting rid of her $21K of credit card debt.

Listen to find out what Barbara's practical strategy is for Megan to reduce her credit card debt in just 90 days!

Help Barbara win and VOTE 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

339 - Barbara - "6 Financial Steps That Set Your Children Up For Life" Oct 02, 2026

Show notes

Parents or expecting parents, this episode is for you! CFP Barbara Ginty covers the six essential financial steps for parents to take to make sure they're as financially prepared to be a parent as possible.

She covers...

The importance of emergency funds for parents
How to determine the right amount of life insurance
Different types of accounts for emergency savings
How to calculate life insurance needs based on income and goals
The tax advantages of owning your own life insurance policy
... 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

338 - Katherine Follow Up - "I Still Don't Have an Emergency Fund!" Sep 25, 2026

Show notes

In this week of Future Rich, host Barbara Ginty follows up with a previous guest, Katherine. Listen to her episodes 277 and 278 before you listen to today's episode to get up to speed! Katherine is an airline pilot with a significant income and complex financial situation.

Katherine is a 50-year-old pilot making an income that varies between 375-450K a year. She lives with her partner, who has retired, has two children- one is 9, and the other is finishing up schooling/training to be a pilot too- and also provides for her mother-in-law.

They discuss...

Managing caregiving for her mother-in-law
Navigating healthcare costs
Balancing her family's financial priorities
Backdoor Roth retirement savings
Managing variable income while also prioritizing starting Katherine's emergency fund and having fun

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

THROWBACK - 204 - Bernadette "Quickly Bumping Up Your Net Worth" Sep 18, 2026

Show notes

Happy Friday Future Rich Fam! We hope you're all having a great start to fall!

Today, we're sharing a popular THROWBACK episode #204 with our lovely guest Bernadette. We will have new episode next week!

Bernadette just turned 37, lives in a house that she purchased in upstate New York, and works as a District Manager for a wine supplier. She has a great base salary of 100K per year with variable bonuses. She's a self-proclaimed boater at heart, and exclaims that BOAT stands for, "bust out another thousand".

Barbara and Bernadette discuss...

Upping Bernadette's emergency fund
Using her bonus to advance her savings goals
How she can start planning out her expenses more to bump up her net worth as quickly as possible
.... and so much 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

337. EXPERT Matthew Allen "Social Security 101: The Most Common Mistakes and How To Maximize Your Benefits" Sep 11, 2026

Show notes

In this EXPERT episode, CFP Barbara Ginty is joined by Matthew Allen, the Co-Founder and CEO of Social Security Advisors, to answer all of your Social Security questions!

Matthew is one of the leading Social Security experts in the country and is often quoted for his expertise in major publications such as The Wall Street Journal, Forbes Magazine, Time Magazine, USA Today, Financial Planning Magazine, and others. He is also a speaker for the Retirement Speakers Bureau and speaks frequently around the country on the topic of Social Security planning.

We're so excited to share Matthew's expert insights on Social Security, including...

Common mistakes in Social Security planning
The impact of Roth IRAs on Social Security taxation
Family benefits and unexpected rules
Retroactive benefits and withdrawal options
Retiring abroad and Social Security payments

Listen to this episode to discover how to navigate Social Security effectively and avoid costly errors!

Find Matthew HERE.

Learn more about IRMAA.

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

336. Potter "Is 1 Million Dollars Enough for Retirement?" Sep 04, 2026

Show notes

Is there a magic number for retirement?

In this episode of Future Rich, CFP® Barbara Ginty sits down with our podcast producer, Potter, to break down the realities of retirement planning and why a 1 million dollar goal might not be enough for retirement.

They discuss:

Importance of knowing your exact retirement expenses
The impact of taxes on retirement savings
How to estimate your withdrawal rate
The significance of debt-free retirement
Adjusting investment strategies for the "distribution" phase of retirement
Planning for variable expenses like healthcare and home repairs
The role of Social Security and pensions
Timing your retirement for health insurance benefits

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

335. Simone "115K Salary with 775K Saved. Can She Retire at 57?" Aug 29, 2026

Show notes

To retire early, or not retire early?

In this episode of Future Rich, CFP® Barbara Ginty sits down with Simone to discuss her very different retirement options. Simone is 54 years old and lives in Chicago, is child-free, and has her own home separate from her partner. She works as an Executive Assistant and brings home $115K per year plus a 5% bonus.

Simone's savings are impressive. She has around $775K saved across her different accounts and has no debt aside from her mortgage, which is very manageable. Her biggest expenses are dining out and traveling, which she prioritizes and saves for in a high-yield savings account.

In this episode, Barb and Simone discuss:

Simone's current financial situation and savings
The impact of ESOP on retirement wealth
Strategies for retiring early and managing health insurance
Balancing lifestyle expenses like travel and dining
Planning for income gaps before Social Security kicks in
Timing and planning for early retirement
Social Security benefits and planning
Balancing her current lifestyle with future security

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

334. Barbara "How I'm Going to Use a Trump Account" Aug 21, 2026

Show notes

In this replay episode of Future Rich, we're sharing a segment of the Babylist Family Money podcast with Lindsey Stanberry! In this episode, Future Rich host CFP Barbara Ginty breaks down how she's weighing Trump Accounts against 529s for her own daughter.

We hope you enjoy this episode! Listen to the full episode here.

If you'd like to learn more about Trump Accounts, we have another dedicated episode that you can listen to 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