Future Rich with Barbara Ginty, CFP®
377 episodes - English - Latest episode: 29 days ago - ★★★★★ - 82 ratingsBy 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.
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Episodes
243. Raquel Pt. 2 - "Is it Realistic to Retire at 45?"
May 31, 2024 13:30 - 34 minutes - 31.3 MBHappy Friday! Today's episode is part 2 of Raquel's episode from last week. We recommend you listen to that episode before diving into this one! For a refresher, Raquel is 35 years old and lives in New York. She works in the creative world in advertising and social strategy. Raquel recently transitioned from owning her own business to working in-house due to challenges caused by strikes in the industry. She had a sabbatical in 2023 to care for her sick dog, leading to a significant income ...
242. Raquel - "Finding Financial Stability and New Income Streams"
May 24, 2024 12:15 - 44 minutes - 40.6 MBHappy Friday! In today's episode of Future Rich, CFP Barbara Ginty interviews the wonderful Raquel! Raquel is 35 years old and lives in New York. She works in the creative world in advertising and social strategy. Raquel recently transitioned from owning her own business to working in-house due to challenges caused by strikes in the industry. She had a sabbatical in 2023 to care for her sick dog, leading to a significant income drop. She just started working at a new company with a rough an...
242. Raquel - "* Finding Financial Stability and New Income Streams"
May 24, 2024 12:15 - 44 minutes - 40.6 MBHappy Friday! In today's episode of Future Rich, CFP Barbara Ginty interviews the wonderful Raquel! Raquel is 35 years old and lives in New York. She works in the creative world in advertising and social strategy. Raquel recently transitioned from owning her own business to working in-house due to challenges caused by strikes in the industry. She had a sabbatical in 2023 to care for her sick dog, leading to a significant income drop. She just started working at a new company with a rough an...
241. Barb - "Planning and Budgeting for a Vacation: Tips and Strategies"
May 17, 2024 09:00 - 25 minutes - 23.2 MBIn this solo episode of Future Rich, Certified Financial Planner Barbara Ginty shares her experience planning and budgeting for her most recent vacation to the Arctic Circle and beyond! She talks about... How to set financial goals and prioritize your spending to align with those goals How she finds more flexibility in her budget How she saves on food and beverage expenses while traveling What her savings ratio is and how she landed on that number (it may shock you!) ... and more! Alwa...
240. Blair - "Make Your Money Make Money!"
May 10, 2024 13:26 - 46 minutes - 42.5 MBHappy Friday! In today's episode of Future Rich, CFP Barbara Ginty interviews the wonderful Blair! Blair is 37 years old and lives in Brooklyn, NY. She works in Tech Business Development and just started at a new company with a base pay of $230K annually! In this conversation, Blair asks Barbara for insight on how to make her money make money, aka invest in her workplace retirement plans... and more! Blair and Barb discuss... Ways that Blair can invest the cash she's saved up throughout h...
239. Morgan - "Millennial Money Anxiety with 500K in Savings"
May 03, 2024 09:00 - 59 minutes - 54.4 MBHappy Friday! In today's episode of Future Rich, CFP Barbara Ginty interviews the lovely Morgan! Morgan is 39 years old and lives in Seattle. She works in HR for a tech company and makes around $185K per year. In this conversation, Morgan breaks down why, even with her higher salary, no debt, and almost 500K in retirement savings, she still feels like she's not doing enough. Morgan and Barb discuss... The benefits of renting vs. buying in high-cost-of-living areas Diversifying Morgan's...
238. Kate Follow-Up "Getting Out of 60K in Credit Card Debt"
April 26, 2024 09:00 - 49 minutes - 45.3 MBThis week on Future Rich, CFP Barbara Ginty follows up with Kate from episode 72 of the podcast to find out what's changed in her life and finances over the last four years. Kate shares how she has transitioned from being pregnant with her first child to having one toddler and one newborn. They discuss the challenges of parenting and the adjustments that come with each additional child, as well as Kate's career change and her transition to working part-time in her own health and wellness o...
237. The Different Types of IRAs
April 19, 2024 12:52 - 8 minutes - 8.13 MBIn this solo episode, CFP Barbara Ginty discusses IRAs (Individual Retirement Accounts). Barb breaks down... The three different types of IRAs The tax benefits Eligibility criteria for each type. The importance of understanding the requirements and consulting a financial or tax professional before making IRA decisions 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...
236. Lily - “Home Ownership Goals in High Cost of Living Areas"
April 12, 2024 09:00 - 55 minutes - 50.6 MBHappy Friday! In this episode of Future Rich, CFP Barbara Ginty interviews the lovely Lily! Lily is 28 years old and lives in Los Angeles with her husband. She makes around $109K annually working in advertising. In this conversation, Lily discusses her savings goals and financial plans with Barbara. They cover topics such as saving for an emergency fund, future goals like homeownership, and the benefits of renting versus buying a home. They also discuss the possibility of investing in real...
235. June - “Are You Saving TOO Much Money?”
April 05, 2024 13:40 - 56 minutes - 51.4 MBThis week on Future Rich, CFP Barbara Ginty chats with the lovely June! June is 39 and lives in Houston, Texas with her husband. She works as a self-employed freelance writer and editor. She started full-time freelancing in 2018 after doing it as a side hustle for 7 years with the goal in mind to achieve the “elusive” six-figure freelance number. Barb and June cover topics such as... Her journey from side hustling to full-time freelancing How she manages money with her husband Stude...
234 - EXPERT Jen Gumbel - "The Dark Side of Estate Planning"
March 29, 2024 11:30 - 42 minutes - 38.9 MBIn this episode of Future Rich, CFP Barbara Ginty interviews Estate Planning and Probate Attorney Jen Gumbel! People tend to overlook estate planning, yet there are one million Americans who are under guardianship or conservatorship, and the sad reality is that these situations can turn into messy financial and legal nightmares when ignored. Barb and Jen discuss... Tips on having a successful Estate Plan The Wendy Williams Documentary Why everyone should do an estate plan regardless of ...
233. Diaz Follow-Up "Negotiating a Raise and the Advantages of Workplace Retirement Plans"
March 26, 2024 09:00 - 51 minutes - 47.1 MBThis week on Future Rich, CFP Barbara Ginty follows up with Diaz to find out what's changed in her life and finances since the last time she was on the pod. Diaz is a 28-year-old engineer living in Denver, Colorado. In this episode, Diaz shares her plans for a future wedding and her challenges with budgeting for the event. Barb and Diaz also delve into her income, expenses, and debt, including her mortgage and student loans. They cover topics such as... Negotiating a raise Considering 40...
232. “Discussing Financial Expectations in Relationships"
March 15, 2024 15:30 - 24 minutes - 22.9 MBIn this week's solo episode, CFP Barbara Ginty discusses the importance of having cohabitation, prenuptial, and postnuptial agreements to protect your finances and why you should be having these conversations in advance when everyone is getting along to prevent future heartache. She covers... Why you should consider hiring an attorney to help navigate financial relationship agreements How to approach having open and honest conversations about financial expectations with your partner The ...
231. Summer - “Your 175K in Student Loan Debt is Basically a Second Mortgage!”
March 08, 2024 12:55 - 52 minutes - 47.9 MBIn this episode, CFP Barbara Ginty interviews construction attorney Summer! Summer is a 29-year-old living in Florida who recently got married. She has joint expenses with her husband and a high income of 160K per year but... has a whopping 175K in Student Loan Debt!! Summer struggles to find a balance between living her life and reaching her savings goals! Barb and Summer discuss... How Summer’s high student loan debt is significantly impacting her monthly cash flow and long-term fina...
230. Christina - “Think of Yourself as a Million Dollar Business”
March 01, 2024 10:27 - 53 minutes - 49.2 MBIn this episode, CFP Barbara Ginty interviews Anesthesiologist extraordinaire Christina! Christina is 32 and works in Tennessee. Her base salary is 500K, but she has the potential to earn 700K (or more) per year! Getting to this point in her career was a long journey. Christina has around 248K in federal student loan debt that she plans on tackling. Barb and Christina discuss... Mega Backdoor Roths Different money types In plan conversions Eligibility for deductible IRAs The pro-rata ...
229. Anna - "Can You Afford to Make a Career Pivot?"
February 23, 2024 10:00 - 1 hour - 55.4 MBIn this episode, CFP Barbara Ginty interviews the wonderful Anna! Anna is 38 and works in technology sales with a 150K base commission in the San Francisco Bay area. She's married with two young children. Barb and Anna discuss... Childcare expenses in high-cost areas Maxing out 401(k) contributions Potential issues with IRA contributions and conversions, especially when dealing with mixed monies Diversification with stocks Finding a balance between saving for the future and enjoying th...
228. Judy Follow-Up "Becoming a Homeowner in Brooklyn and Getting Roommates at 38"
February 16, 2024 13:20 - 38 minutes - 35.5 MBThis week on Future Rich, CFP Barbara Ginty follows up with Judy from episode 155 of the podcast to find out what's changed in her life and finances over the last two years. Judy is a 38-year-old creative living in Brooklyn, NY. She works full time AND runs a photography side business. Her goal from episode 155 was to become a homeowner, and guess what? She's currently in the process of purchasing her first home!! In this episode, Barbara and Judy discuss... FHAs and closing costs on hom...
227. Sarah - "Salary Increases and How to Avoid Lifestyle Creep"
February 09, 2024 10:00 - 42 minutes - 39.3 MBIn this episode, Barbara Ginty interviews the lovely Sarah! They cover topics such as... Setting financial goals for a home renovation and a ski-themed wedding in France The power of compound interest How Sarah achieved a salary increase through networking and following a successful mentor Whether or not she should prioritize retirement savings Future family planning and the potential for one-income household The psychological challenges of managing a higher salary and the importance o...
226. TikTok Misinformation and Why Financial "Buts" Matter with Barb and Alex
February 02, 2024 10:00 - 30 minutes - 28.2 MBHappy First episode of 2024 and Season 7 of the Future Rich Podcast! Certified Financial Potter Barbara Ginty is joined by podcast producer Potter to discuss... The prevalence of misinformation on personal finance topics found online The importance of disclosures and disclaimers in financial advice and the potential consequences of not providing accurate info The increase in IRS audits and the challenges faced by freelancers during tax season The popularity of Roth IRAs and why Social Se...
THROWBACK - All About ROTH IRAs (Wine Wednesday 1)
December 29, 2023 15:18 - 17 minutes - 15.6 MBIn today's THROWBACK episode, CFP and Future Rich Host Barbara Ginty does a deep dive on ROTH IRAs in our more casual *Wine Wednesday* format 🍷✨💸 Should we bring back our Instagram Live Q&A style episodes like this? If you'd like to be a guest on the pod and get my thoughts on your finances, we're accepting guests for 2024! You can be anywhere in the world! If you're interested, send us an email ([email protected]) or give us a shout on social media @futurerichpodcast. Download a fr...
THROWBACK 173 - Napoleon "Living on a $300 Per Month Food and Entertainment Budget!"
December 22, 2023 10:00 - 34 minutes - 31.8 MBIn today's THROWBACK episode, CFP and Future Rich Host Barbara Ginty is joined by 25-year-old Napoleon! Napoleon recently moved to New Haven from Denver. She works as a laboratory manager for a biotech company and recently got a huge pay increase! She has super low expenses (all food and entertainment are $300 per month!) and a great mindset when it comes to saving money due to her familial background. She has big goals, including moving across the country, getting an MBA, and investing in...
THROWBACK 190 - Morgan "Pay Off Debt, Pay for Egg Freezing, and Ramp Up the Emergency Fund."
December 15, 2023 10:00 - 45 minutes - 41.7 MBIn today's THROWBACK episode, CFP and Future Rich Host Barbara Ginty is joined by Morgan, who lives in NYC. Morgan has had a pretty wild few years. Pre-pandemic, she worked as an actress and server. During the pandemic, she started a sales position in the corporate sphere. She is 35 and is at the point in her life where she wants to stop living "hand to mouth." Her major goals are... To pay off her 13K in credit card debt Save enough money to freeze her eggs Ramp up her emergency fund ...
THROWBACK 212 - Social Security and the Million Dollar Decision YOU Need to Consider for Your Retirement
December 08, 2023 10:00 - 17 minutes - 15.6 MBHappy Friday! In today's THROWBACK episode I do a deep dive on Social Security. We will have new episodes in January 2024! One of the key components of securing your retirement is through Social Security. There has also been a lot of news lately that Social Security Benefits might run out, which is why I wanted to hop on the pod and give you some insight into this fascinating program. In this episode I discuss... The fascinating history of Social Security How Social Security works The ...
THROWBACK 191 - Nora - "The Desire of FIRE aka Financial Independence Retire Early"
December 01, 2023 17:55 - 53 minutes - 48.5 MBHappy Friday! Today's THROWBACK episode is with our lovely guest Nora. We will have new episodes in January 2024! Nora is a super humble Software Administrator from Eastern PA. She is only 34 years old, has already paid off her house, and is completely debt-free. In this episode, Barbara and Nora discuss... Long-term financial planning Barbara's suggestions for Nora to get the biggest bang for her buck from a tax standpoint. Sneaking a Roth IRA inside of a 401k Non-retirement saving...
225. "Consumerism, Inflation, and Interest Rates are Up this Holiday Season!" with Potter and Barb
November 24, 2023 14:30 - 21 minutes - 19.9 MBIn today's SEASON 6 WRAP UP episode, CFP Barbara Ginty is joined by the producer of the Future Rich Pod, Potter to discuss... Future Rich's plans for 2024 High inflation, higher interest rates, and student loans no longer on pause Credit card debt is up over a trillion dollars collectively What to do consumerism is up across the apps We can't thank you all enough for tuning into the podcast every week for six seasons! We appreciate all of your support, this podcast would not happen wi...
224. Escaping the Cult of "Never Enough" with Manisha Thakor
November 17, 2023 10:00 - 43 minutes - 39.9 MB"If you don't invest in your emotional wealth, it doesn't matter what your earnings are!" In this week's extra special episode, Certified Financial Planner Barbara Ginty interviews financial literacy advocate, author, educator & keynote speaker Manisha Thakor (MBA, CFA, CFP). Manisha has spent 25+ years working in a wide range of roles in the financial services industry – from investing for institutions to advising individuals. She is an ardent financial literacy advocate for women. Man...
223. Kelly - "Over 500K in Savings at 37 Years Old!"
November 10, 2023 10:00 - 48 minutes - 44.8 MBIn today's episode, CFP Barbara Ginty interviews the wonderful Kelly! Kelly is 37 years old, lives in Chicago, and works in Marketing for a Food and Beverage company. Kelly is a rockstar saver and has over 500K in her combined savings! She also just purchased a condo! Kelly and Barb discuss... Different mortgage rates and mortgage rate history How to navigate company benefits packages HSA vs FSA Open Enrollment The "seesaw" method of asset planning And so much more! If you’re look...
222. Rose - "Small Business Owner Struggles"
November 03, 2023 09:00 - 37 minutes - 34.1 MBIn today's episode, CFP Barbara Ginty interviews the wonderful Rose! Rose is 24 years old, lives in Salt Lake City, Utah, and owns her own successful photography business. She has extremely low expenses, high cash flow (gross 120K this year), and a lot of BIG plans! Rose and Barb discuss... Rose's journey that led her to start her small business Real estate and Rose's struggle to get a high mortgage as a small business owner The difference between Sep IRAs and Roth IRAs Credit card...
221. Annie - "Company Stocks and RSUs"
October 27, 2023 11:25 - 55 minutes - 50.9 MBIn today's episode, CFP Barbara Ginty interviews the lovely Annie! Annie is 32 years old, lives in Denver with her fiance, and works in tech. She's planning her wedding for 2024 and has a lot of budget goals she's trying to reach. Annie's work provides her with a great salary and stock options... some of which are a bit more on the complicated side. Annie and Barb discuss... Annie's budget plan for her wedding Unexpected Property issues Company Stocks Income limitations for Roth IRAs a...
220. EXPERT Holly Ramey - How Eclipse Season Impacts Your Finances
October 20, 2023 10:56 - 30 minutes - 27.5 MBIn this week's extra special episode, for the first time, Certified Financial Planner Barbara Ginty dives into the world of Astrology and Finances with Holly Ramey! If you’ve been feeling a little wacky this month and unstable with your finances, it’s not just you... it’s Eclipse Season! Holly talks us through what Eclipse Season is and why you should pay attention to the upcoming Lunar Eclipse in Taurus on October 28th. Holly is a certified yoga instructor, reiki master, and professional ...
219 - Barbara "Honeymoon Storytime and Q&A"
October 14, 2023 09:00 - 28 minutes - 25.8 MBIn this week's solo episode, Certified Financial Planner Barbara Ginty answers listener questions about her five-and-a-half-week honeymoon! Barbara and her husband went on 12 flights, stayed in 12 hotels, drove three rental cars (only two of which were planned), and visited two continents and seven countries. Listen to find out what Barbara's highlight of the trip was, the most frustrating part of the trip, her experience flying European vs Domestic airlines, how she plans her travel itiner...
218 - EXPERT Alejandra Rojas - "Why Money Mindset Matters"
October 06, 2023 09:00 - 17 minutes - 16.1 MBIn this week's extra special episode, Certified Financial Planner Barbara Ginty interviews the Founder of The Money Mindset Hub, Alejandra Rojas! They discuss how mindset influences people with their finances and why it really does matter what you say to yourself regarding your financial situation. Alejandra’s mission extends beyond mere financial advice. She’s sculpting a world where personal fulfillment and financial freedom don’t just coexist; they flourish in tandem. Harnessing over sev...
Money Talks Episode 4 on Student Loans - Future Rich x The Purse with guest Skylar
September 29, 2023 09:00 - 39 minutes - 35.8 MBThis week, we have the fourth and final episode of the new Future Rich x The Purse podcast series, Money Talks! In this series, we invited four guests to share their personal finance stories on a video podcast with personal finance experts Barbara Ginty, CFP®, and Lindsey Stanberry, author of the Refinery29 Money Diaries book. Our fourth guest in the series is the wonderful Skylar, who is 30 years old and works in the education sector, specifically in higher education. She is married and...
Money Talks Episode 3 on Emotional Finances - Future Rich x The Purse with guest Amy
September 22, 2023 09:00 - 1 hour - 57.2 MBThis week, we have the third episode of the new Future Rich x The Purse podcast series, Money Talks! In this series, we invited four guests to share their personal finance stories on a video podcast with personal finance experts Barbara Ginty, CFP®, and Lindsey Stanberry, author of the Refinery29 Money Diaries book. Our third guest in the series is the wonderful Amy, who from the outside may seem as if she has all of her finances figured out. She owns a two-bedroom, two-bathroom apartmen...
Money Talks Episode 2 on Money Trauma - Future Rich x The Purse with guest Kelly
September 15, 2023 09:00 - 48 minutes - 44.7 MBThis week, we have the second episode of the new Future Rich x The Purse podcast series, Money Talks! In this series, we invited four guests to share their personal finance stories on a video podcast with personal finance experts Barbara Ginty, CFP®, and Lindsey Stanberry, author of the Refinery29 Money Diaries book. Our second guest in the series is the lovely Kelly Schulze, who is going through their own journey of healing and learning from childhood money trauma. They get deep and d...
Money Talks Episode 1 - Future Rich x The Purse with guest Nina
September 08, 2023 09:00 - 45 minutes - 42 MBThis week, we have our first-ever episode of the new Future Rich x The Purse podcast series, Money Talks! In this series, we invited four guests to share their personal finance stories on a video podcast with personal finance experts Barbara Ginty, CFP®, and Lindsey Stanberry, author of the Refinery29 Money Diaries book. Our first guest in the series is the wonderful Nina Mehta, who is in a state of "life rebuilding." Nina gets vulnerable with us about her financial situation post-pandemi...
217 - EXPERT Natalie Tincher - "Style Strategy and Why You Should Invest in Your Wardrobe!"
September 01, 2023 09:00 - 38 minutes - 35.5 MBIn this week's extra special episode, Certified Financial Planner Barbara Ginty interviews Founder & Principal Style Strategist of BU Style, Natalie Tincher! Natalie shares some of her top tips for investing in your wardrobe and why style strategy is so important, even in this economy! An enthusiastic inspirer, passionate Style Strategist, and curious entrepreneur, Natalie Tincher founded her company, BU Style, in 2010. Since then, she has worked with hundreds of personal clients, large co...
216 - May Pt. 2 "Leaving Non-Profit-Land"
August 25, 2023 14:07 - 49 minutes - 45.4 MBThere's so much to cover in today's episode that we've had to split it into two! This is part two. Listen to Episode 215 for part one! To recap, our guest is the wonderful May. She is located in a suburb of Kansas City. She is 36 years old, married, and works for a non-profit firm as a paralegal. May has A LOT going on with her financial life. She got married, bought a house, her husband was recently laid off, her father passed away, she inherited money, and she is now responsible for her...
215 - May Pt. 1 "What Happens When You Have to Manage Your Parent's Funds"
August 18, 2023 14:32 - 45 minutes - 42 MBThere's so much to cover in today's episode that we've had to split it into two! This is part one. Next week on August 25th, part two will air. Our guest today is the lovely May. She is located in a suburb of Kansas City. She is 36 years old, married, and works for a non-profit firm as a paralegal. May has A LOT going on with her financial life. She got married, bought a house, her husband was recently laid off, her father passed away, she inherited money, and she is now responsible for ...
214 - Lola "When Childcare is the Same Cost as a Mortgage!"
August 11, 2023 09:00 - 46 minutes - 42.2 MBIn today's episode, CFP Barbara Ginty interviews the lovely Lola! Lola works in the healthcare field as a nurse, is married, and has two children. She and her husband just sold their house and moved to a rental about a month ago to deep LA to be closer to work. The most challenging part of Lola's budget is her childcare costs, which are up to around $2500 per month!! 🤯 Lola and Barb discuss... Renting vs. Buyin in LA Navigating Student Loans Budgeting as a married couple with two chi...
213 - Ruthie "205K in Savings at 35 Years Old!"
August 04, 2023 09:00 - 35 minutes - 32.8 MBIn today's episode, CFP Barbara Ginty interviews the fabulous Ruthie! Ruthie lives in Brooklyn, New York, and works in Manhattan. She is thirty-five years old, single, and lives alone. She feels like she's constantly playing catch up from working in the non-profit world for 12 years of her life. She makes $104,000 per year at the first for-profit job that she's had. Ruthie and Barb discuss... Budgeting in one of the most expensive and highly taxed cities Renting vs. Buying FSA vs. HS...
212 - Social Security and the Million Dollar Decision YOU Need to Consider for Your Retirement
July 29, 2023 13:00 - 17 minutes - 15.6 MBHey Future Rich Fam! In today's solo episode, I do a deep dive on Social Security. One of the key components of securing your retirement is through Social Security. There has also been a lot of news lately that Social Security Benefits might run out, which is why I wanted to hop on the pod and give you some insight into this fascinating program. In this episode I discuss... The fascinating history of Social Security How Social Security works The different types of Social Security The c...
211 - EXPERT Lindsey Stanberry - "Quitting Your Job and Taking Risks!"
July 21, 2023 09:00 - 22 minutes - 20.5 MBIn this week's extra special episode, Certified Financial Planner Barbara Ginty interviews the prolific author of the #MoneyDiaries book, Lindsey Stanberry! Lindsey shares her personal experience of leaving her job as Executive Editor of Fortune with nothing else lined up and how she managed the financial stress and lifestyle changes that come with big career changes. Watch the video version of this episode on YOUTUBE. Subscribe to Lindsey's Newsletter, THE PURSE. Lindsey Stanberry spent...
210 - Stacy "Why You SHOULD Take That Sabbatical!"
July 14, 2023 09:00 - 54 minutes - 49.8 MBIn today's episode, CFP Barbara Ginty interviews the wonderful Stacy! Stacy is our first guest coming from Puerto Rico! She is 29 years old and works in Marketing for Real Estate. Stacy's situation is unique because she inherited a large sum of money after her father passed away. She's interested in investing in sound, long-term investments and is also contemplating taking a sabbatical to reassess the career path she'd like to take. Listen to find out what advice Barbara gives Stacy so she...
209 - Carrie "Neutralize Your Housing Costs"
July 07, 2023 09:00 - 41 minutes - 37.6 MBToday’s episode is a really fun one! CFP Barbara Ginty interviews the wonderful Carrie! Carrie is 36-years-old. She works in Nebraska as a paralegal and is currently in the process of becoming a first-time home owner. She makes $1900 per month and has some high expenses that are holding her back from reaching her financial goals. Barbara and Carrie discuss... If it's worth it for Carrie to have a car when the expenses are holding her back in other ways The benefits of owning a home vs r...
208 - Barbara Answers YOUR Juicy Financial Questions!
June 30, 2023 12:40 - 41 minutes - 38.1 MBHey Future Rich Fam! In today's special Q&A episode, Barbara answers YOUR questions submitted through our Instagram, which if you aren't already following, you should! We got some juicy questions ranging from figuring out what you can afford when buying a new home vs. what you're approved for, how and when to share expenses with your partner, and what is different when you're married/engaged, etc. If you're interested in being a guest on the pod and getting Barbara's thoughts on your own ...
207 - EXPERT Jeanne Kelly - "Starting a Successful Business and Why Credit Matters!"
June 23, 2023 09:00 - 46 minutes - 42.3 MBOn this week's episode of Future Rich, Barbara Ginty interviews Jeanne Kelly! Jeanne is a credit coach, healthy credit expert, motivational speaker, founder of The Kelly Group, and author of The Credit Training & The Credit Makeover. What started as a single decision to pursue a better life for herself and her daughter has since become an empire raising awareness about healthy credit. In this episode, Jeanne and Barb discuss all things credit and Jeanne's inspirational journey from being a...
206 - Sarin A. Barsoumian CFP®, CRPC® - "Misconceptions About the Financial Services Industry"
June 16, 2023 10:15 - 29 minutes - 27.1 MBOn this week's episode of Future Rich, Barbara Ginty interviews CFP® and CRPC® Sarin A. Barsoumian! Sarin is a Financial Advisor & Founder at SMB Financial Strategies, LLC. Since 2005, Sarin has been helping clients define and pursue their financial goals. She is currently licensed in multiple states including California, Connecticut, Florida, Georgia, Massachusetts, New Hampshire and New York. In this episode, Sarin and Barb discuss… Sarin's perspective as a successful female advisor M...
205 - When Should You Refinance and Will Mortgage Rates Go Lower?
June 09, 2023 12:00 - 18 minutes - 17.3 MBHey Future Rich Fam! In today's solo episode, Barbara dives into a wide range of topics including... Super useful travel tips to help you save money on your next vacation Crucial information on refinancing that people don't want you to know Why you should be making principal-only payments The history of mortgage rates and why you shouldn't just "wait" for lower rates PLUS Barb needs your help, make sure to listen until the end! If you’re looking for a simpler, effective investment fo...
204 - Bernadette "Quickly Bumping Up Your Net Worth"
June 02, 2023 09:01 - 30 minutes - 28 MBToday’s episode is a really fun one! CFP Barbara Ginty interviews the wonderful Bernadette! 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 a...