Future Rich with Barbara Ginty, CFP®
382 episodes - English - Latest episode: 12 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
31 Rose - "Too many roommates"
April 12, 2019 10:00 - 27 minutes - 25.4 MBCertified Financial Planner Barbara Ginty interviews Rose, a 31 year old living in NYC and making 80k in take home pay as a nanny. Rose and her wife live in an apartment with three other people are are planning on getting their own place as soon as her wife finishes school. Rose has some student debt that she's trying to tackle, and Barbara dives into the (seriously confusing) world of income based repayment plans. instagram.com/planancial facebook.com/planancial Follow us to stay up to up t...
30 Expert Interview w/ Leslie Tayne, Esq.
April 05, 2019 11:18 - 38 minutes - 35.1 MBIf you have student debt that you want to tackle, the first step is listening to this episode! Certified Financial Planner Barbara Ginty interviews NY Debt Attorney Leslie Tayne, Esq. Leslie has nearly 20 years’ experience in the practice area of consumer and business financial debt-related services. Barbara and Leslie talk about the secrets and sneaky tricks of loan companies and strategies to take control of your debt. Leslie drops way too much knowledge to list in an episode description - ...
29 Jayne Stewart - "The key is the follow through"
March 29, 2019 22:17 - 34 minutes - 31.6 MBCertified Financial Planner Barbara Ginty interviews Jayne Stewart, a 26 year old who works in sales for a hotel management company. Jayne makes 44k a year with room for bonuses and is looking for strategies to tackle some credit card debt she's been carrying as well as her student loans. Plus, Barb and Jayne bond over the horrors of paying their own phone bills. instagram.com/planancial facebook.com/planancial Follow us to stay up to up to date and let us know what topics you'd like Barbar...
28 Sonora - "Snowball or Avalanche?"
March 22, 2019 11:33 - 37 minutes - 34 MBCertified Financial Planner Barbara Ginty interviews Sonora, a 33 year old marriage and family therapist who moved to Gulf Shores, AL last year. Sonora is getting married soon and recently most of her extra cash has gone to wedding prep - she and her fiance aim to do all their wedding planning debt free. Barbara helps her figure out a post-wedding plan to pay of some significant credit card debt and start saving for retirement. Non-profit income based student loan forgiveness https://studen...
27 Getting a Raise - "Half for today, half for tomorrow"
March 18, 2019 15:05 - 15 minutes - 14.5 MBThis week Certified Financial Planner Barbara Ginty is joined by special guest Natasha (previously on episode 4) to talk about what to do when you get a raise. Barbara gives her recommendation for what to do with the extra cash (Spoiler Alert: she doesn't want Natasha to just go on more vacations). instagram.com/planancial facebook.com/planancial Follow us to stay up to up to date and let us know what topics you'd like Barbara to cover more in-depth this season. Advertising Inquiries: https...
26 Nina Saver - "I love a debt snowball"
March 08, 2019 19:58 - 35 minutes - 32.5 MBCertified Financial Planner Barbara Ginty interviews Nina Saver, a 35 year old who recently made the transition from career woman to stay at home mom. Nina is married and owns a house in Upstate New York. They talk about how Nina and her partner made the decision for her to leave work and how they plan to get rid of some debt within the next year. instagram.com/planancial facebook.com/planancial Follow us to stay up to up to date and let us know what topics you'd like Barbara to cover more i...
25 Summer Jones - "Room to Grow"
March 01, 2019 12:00 - 43 minutes - 39.7 MBCertified Financial Planner Barbara Ginty interviews Summer Jones, a 30 year old who lives in NYC and works in sales for a major corporation. She is doing well financially and hopes to hit over 500k in total compensation this year; however, she does have a bit of a shopping habit. Barbara and Summer Jones identify ways that she can be more prudent with how she saves her money. They discuss what exactly an IRA is, and get into which type of life insurance would be a better fit. instagram.com/...
24 Expert Interview w/ Daniela Pierre-Bravo
February 22, 2019 12:18 - 38 minutes - 34.9 MBIn this special expert interview episode, Certified Financial Planner Barbara Ginty interviews Daniela Pierre-Bravo. Daniela is a Booking Producer NBC Universal and a contributor for Know Your Value. She is the Co-Author of Earn It! Know Your Value and Grow Your Career in Your 20s and Beyond, coming out this Spring. Daniela shares her unique story of building her career from the ground up, and how her unique position as a DACA recipient has shaped her journey. They also discuss how to overcom...
23 Adele - "Alphabet Soup"
February 15, 2019 14:16 - 51 minutes - 47.1 MBCertified Financial Planner Barbara Ginty interviews Adele, a 28 year old living in Upstate New York and working in Domestic Violence Outreach. Adele has some student debt as well as credit card debt that she is trying to get rid of while also going back to school. Info for Tier 6 NY State... https://www.osc.state.ny.us/retire/members/tier-6/faq.php#faq_8 Info: There are various types on "Income Based" repayment plans....be sure to know which ones you have... See a breakdown here....ALSO W...
22 Monique - "Tornado of Debt"
February 08, 2019 11:30 - 40 minutes - 37.4 MBCertified Financial Planner Barbara Ginty interviews Monique, a 32 year old Nurse Practitioner living in Philadelphia. Monique makes good money and while she technically has done everything "right," she still found herself with some debt she can't shake. Barbara helps her devise a strict plan to get rid of the debt and begin saving. instagram.com/planancial facebook.com/planancial Follow us to stay up to up to date and let us know what topics you'd like Barbara to cover more in-depth this se...
21 Expert Interview w/ Marcus Garrett
February 01, 2019 13:14 - 47 minutes - 43.4 MBIn this special expert interview episode, Certified Financial Planner Barbara Ginty interviews Marcus Garrett, host of the Paychecks and Balances podcast and author of Debt Free or Die Trying. Marcus tells the inspiring story of how he racked up and then paid off $30k in debt by age 30. Barb and Marcus also bond over their shared love of emergency funds. Relevant links: Yes, Banks Are Reordering Your Transactions And Charging Overdraft Fees https://www.forbes.com/sites/halahtouryalai/2013/06...
20 Mary - "Lingering Debt"
January 25, 2019 12:06 - 31 minutes - 29 MBCertified Financial Planner Barbara Ginty interviews Mary, a 34 year old paralegal who lives in Upstate New York. Mary is a single mother who is in the process of adopting a child from a foreign country. Mary has some student loan debt that she can't seem to shake and Barbara helps her formulate a strategy to tackle it before the adoption goes through. They talk about the financial differences between having one and two children, as well as the importance of life insurance when there are kidd...
19 Beatrice - "Financial Drama"
January 18, 2019 13:55 - 49 minutes - 45.2 MBWelcome to Season 2! We're so excited to kick things off - this season it's all about strategizing and setting goals to get #FutureRich. In this episode, Certified Financial Planner Barbara Ginty interviews Beatrice, a 32 year old who lives in Austin, TX and makes around 75k a year as a technical recruiting consultant. Last year, she separated from her fiancé and the breakup led to some sticky financial stuff. Barbara and Beatrice discuss how she is recovering from that huge life change and p...
Season 1 Wrap
December 27, 2018 17:43 - 4 minutes - 4.56 MB2018 is almost over - we can't believe it! This year has been so much fun and we have some exciting things in store for Season 2. It's all about getting #FutureRich. In addition to personal finance interviews, we're going to be chatting with experts. We want to hear from you: what types of experts do you want Barbara to interview? We're also looking for GUESTS! If you or a friend want to be on the podcast please let us know. Next season we're reaching beyond the NYC area - you can be anywher...
18 Hannah - "Where does it all go?!"
September 30, 2018 15:56 - 34 minutes - 31.3 MBCertified Financial Planner Barbara Ginty interviews Hannah, a 29 year old attorney who lives in Brooklyn. Hannah has some student loan debt in her home country and a unique plan to pay it off. She also recently moved in with her boyfriend and was shocked by the reality vs expectation of saving money by moving in with a partner. Barbara helps her plan out ways to tackle some lingering credit card debt. Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle....
17 Jane - "I feel like there's a long climb ahead"
September 14, 2018 15:34 - 33 minutes - 30.3 MBCertified Financial Planner Barbara Ginty interviews Jane, a 34 year old single mother who lives in Connecticut. Jane works in sales and has recently endured a tough 5 months of unemployment where she built up some credit card debt. Barbara helps Jane figure out next steps as far as getting the debt under control and building up some savings. They also discuss how to get the kids involved in budgeting and the pressures of living in an affluent area as a single parent. Advertising Inquiries: ...
16 Clementine - "It's my responsibility to hustle"
August 31, 2018 17:23 - 36 minutes - 33.1 MBCertified Financial Planner Barbara Ginty interviews Clementine, a 36 year old who lives in Brooklyn. Clementine is going through some huge life changes. She just quit her job as a handbag designer making 105k to start her own culinary business. They discuss the huge risk of starting you own business and Clementine's decision to take out her 401k early in order to move from Jersey City to Brooklyn after separating from her spouse. Advertising Inquiries: https://redcircle.com/brands Privacy ...
15 Ivy - "The only sure things in life are death and taxes"
August 17, 2018 11:54 - 33 minutes - 30.9 MBCertified Financial Planner Barbara Ginty interviews Ivy, a 31 year old who recently left her job as a senior staffer at a nonprofit in DC to travel full time while doing contract work. Barbara and Ivy discuss the freedom (and surprises!) that comes with being your own boss. They break down the finances of being a global citizen and how Ivy makes it work, and turns out she knows every airfare trick in the book! Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://r...
14 Sonja - "I'm going to be a ballerina on the moon before that happens"
August 03, 2018 15:24 - 53 minutes - 48.6 MBCertified Financial Planner Barbara Ginty interviews Sonja, a 43 year old who lives in NYC and 7 years ago left her job in high end interior design to start her own floral design business. She credits an effort to be kinder to herself as the inspiration for branching out on her own. They discuss the various emotional ties we can have to our debt and how getting rid of it is always more complicated than expected. In Sonja's case, this was a credit card debt strategy that came with a tax-season...
13 Cassandra - "I ghosted on my loans"
July 20, 2018 11:44 - 34 minutes - 31.9 MBCertified Financial Planner Barbara Ginty interviews Cassandra, a 25 year old who lives in NYC and just started a job at an animal rights nonprofit. She makes 35k base salary and currently has some student loans in forbearance. Barbara gives her advice on how to tackle the loans, suggests an income based repayment program, and explains credit scores as they pertain to loan payments. Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy
12 Francesca - "If you can't make money at it, I'm really good at it"
July 06, 2018 11:50 - 38 minutes - 35.6 MBCertified Financial Planner Barbara Ginty meets with Francesca, a 37 year old who lives on Long Island. Francesca is a former performing artist and current primary caretaker of her two-year-old. She earns extra cash with a few creative side-hustles. Barbara helps her with a strategy to tackle her credit card debt and they discuss the emotions and fears surrounding money -- especially when it comes to charging for her freelance work. Advertising Inquiries: https://redcircle.com/brands Privac...
11 Claire - "I'll be rich when I'm 57, see you guys then!"
June 22, 2018 14:48 - 35 minutes - 32.4 MBCertified Financial Planner Barbara Ginty meets with Claire, a 27 year old who lives in NYC and makes 75k as an ecommerce manager for a fashion brand. They discuss Claire's experience advocating for herself when she took a new role and landed a higher salary. Plus, we get the lowdown on her new apartment and the secret to finally ditching the IKEA furniture. Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy
Ep 10 Ariana - "I'm a preparer and a planner"
June 08, 2018 12:55 - 43 minutes - 39.9 MBCertified Financial Planner Barbara Ginty meets with Ariana, a 33 year old Digital Project Manager in NYC who makes 85k. She is married to a musician and they own their apartment through a special HDFC program. Highlights include Ariana's distinctly millenial savings plan and hilarious insight into the dynamics of staying on the family cellphone plan as an adult. Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy
Ep 9 Ruby - "I took Geology but I didn't take something about my 401k"
May 25, 2018 14:07 - 38 minutes - 35 MBCertified Financial Planner Barbara Ginty meets with Ruby, a 25 year old who lives in NYC and is a manager at a TV network. She's got a few investments and is curious about the vesting schedule for her 401k. They go over why bonuses are taxed differently from regular pay, and Barbara explains different types of mutual funds. Ruby drops some wisdom on Barbara and teaches her the magic of "Netflix and run." Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcirc...
Ep 8 Monica - "Nobody explained anything to me, I just kinda went for it"
May 11, 2018 12:08 - 40 minutes - 36.7 MBCertified Financial Planner Barbara Ginty meets with Monica, a 29 year old who works for NYC as a transactional attorney. The go over the ins and outs of loan forgiveness plans. Monica also shares how she managed to save money by moving from Staten Island to Manhattan. Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy
Ep 7 Trish - "Virgo came out full-force"
April 27, 2018 12:11 - 43 minutes - 39.5 MBCertified Financial Planner Barbara Ginty meets with Trish, a 26 year old in NYC who works in Ad Operations. They discuss the pros and cons of working for a large corporation, and her experience recently getting a credit card for the first time. Trish also shares her budgeting spreadsheet (which thrills Barbara!). Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy
Ep 6 Rachel - "It's not what you make, it's what you spend"
April 13, 2018 13:03 - 38 minutes - 35.6 MBCertified Financial Planner Barbara Ginty meets with Rachel, a family Nurse Practitioner in Upstate New York. They figure out a plan for Rachel and her spouse to achieve their dream of building a house while simultaneously saving for retirement. Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy
Ep 5 Taylor - "Taking a Life Break"
March 30, 2018 12:56 - 33 minutes - 31.1 MBCertified Financial Planner Barbara Ginty meets with Taylor, a teacher who is getting back into the swing of things after taking a "life break" for 2 years to travel. They discuss the often deceptive nature of school loans, and the costs associated with owning a car. Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy
Ep 4 Natasha - "F*** Great Lakes!"
March 16, 2018 13:20 - 40 minutes - 36.9 MBCertified Financial Planner Barbara Ginty talks with Natasha, a woman who went to law school in her late twenties after working in the entertainment industry. They discuss the hidden perils of student loan debt, and what it's like to make a total career transition. Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy
Ep 3 "Amanda"
March 02, 2018 15:04 - 29 minutes - 27.1 MBCertified Financial Planner Barbara Ginty talks with Amanda, a woman in her late 30s who lives in New York City. They chat about Amanda's recent decision to take a step back in her career and how she's dealt with the change in income. Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy
Ep 2 "Kira"
February 16, 2018 14:36 - 29 minutes - 27 MBCertified Financial Planner Barbara Ginty talks with Kira who works in Human Resources and lives in New York City. Barbara asks Kira what it's like to be a homeowner as a young, single woman and what the process of buying her first property was like. Kira shares her financial stressors and how her immigrant parents helped motivate her to take the leap and purchase her apartment. Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy
Ep 1 "Emily"
February 02, 2018 02:17 - 30 minutes - 28.2 MBCertified Financial Planner Barbara Ginty talks with Emily who works in education and lives in New York City. They chat about tackling student debt and the predatory nature of some loan companies. They also discuss the mysteries of when to start saving for retirement and how to go about doing it. Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy