Future Rich with Barbara Ginty, CFP®

Latest Episodes:

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!

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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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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!

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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!

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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

333. Carla "26, Married, Medical Student & Working as a Barista" Aug 14, 2026

Show notes

She's 26, freshly married, living in the Midwest, and working as a barista to make ends meet — while simultaneously training to become a doctor.

Meet Carla. She's a medical student pursuing family medicine and psychiatry, navigating one of the most financially demanding seasons of life: medical school, a brand new marriage, and a future that's full of potential but tight on cash right now.

In this episode of Future Rich, CFP® Barbara Ginty sits down with Carla to untangle her financial picture and build a real plan, one that works on a barista's income, medical school grants, and a whole lot of determination.

The good news? Carla's situation is more manageable than it might seem. She's already saving $200K in tuition through her program, has $16,500 in grants, and has a partner working and going to school simultaneously. Barb helps her see the full picture and what to do with it.

In this episode, Barb and Carla discuss:

How to manage $39K in student loans while still in school
What saving and investing looks like on a $12K barista salary + medical school grants
Why Carla's tuition-free program is a bigger financial win than she realizes
Retirement planning strategies for future doctors, when to start and how
How Carla and her husband can build a financial foundation together
Family planning considerations during medical training: what to think about financially before having kids.
The financial reality of pursuing family medicine and psychiatry and what income looks like on the other side.

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

332. Alice "How I Saved Half a Million Dollars By 32" Aug 07, 2026

Show notes

In this week's episode of Future Rich, CFP Barbara Ginty interviews the wonderful Alice!

Alice is 32, lives in Utah with her husband, works as a CPA, and has spent the past decade of her life aggressively saving (she's the highest Roth account holder that we've ever had on the pod!)

If you're curious about how Alice and her husband saved over $500K in their combined Roth Accounts throughout her 20s, this episode is packed with the kind of specific, practical advice you actually need. 🎙️

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

331. Barbara's Traumatic Birth Story Pt. 2 "My Battle with C. Diff and the US Healthcare System" Jul 24, 2026

Show notes

In this follow-up birth story episode, Barbara shares more details about her intense postpartum health journey, highlighting the importance of listening to your body, advocating for yourself, and the impact of financial preparedness on healthcare choices.

*TRIGGER WARNING!* This episode discusses Barbara's traumatic birth experience. If you’re currently pregnant or are sensitive to medical and/or birth stories, we do not recommend this episode for you!

This episode highlights: