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 i ...
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Happy Friday! In today's episode of Future Rich, our special expert guest is Elizabeth Kaczka! Elizabeth is an independent luxury travel advisor with Fora, the Bessie Award Finalist for Travel Startup of the Year and one of Fast Company's Most Innovative Companies of the Year. In this special travel-focused episode, Barb and Elizabeth discuss... El…
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267. EXPERT Kimberlee Davis - The Fiscal Feminist - "Your Partner Should Not Be Your Financial Plan"
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In this episode of Future Rich, our special expert guest is Kimberlee Davis, Wealth Manager, Partner, Managing Director, Author, and The Fiscal Feminist. Kimberlee's mission is to give women the tools and a roadmap to having a healthy relationship with money. She believes that we all have a personal responsibility to ourselves to be financially int…
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Happy Friday! In today's solo episode of Future Rich, CFP Barbara Guinty discusses the complexities of managing finances in a relationship, specifically using an anonymous AITAH (Am I the A**hole) thread on Reddit as a jumping point. Here is the start of the Reddit thread for context: "AITAH for separating my finances from my husband because he kee…
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Happy Friday Future Rich Fam! In this episode of the pod, CFP Barbara Ginty interviews the lovely Jane! Jane and her husband both work in sales and have a combined bi-weekly gross pay of $7,550. They have two young children and their monthly expenses total $5,321. They also own two rental properties that bring in an additional $1,400 per month. Jan…
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Happy Friday Future Rich fam! In today's episode, CFP Barbara Ginty interviews the lovely Christina! Christina is a product designer from Nebraska. She's been the sole income earner in her household while her husband finishes grad school. Christina is looking for advice on transitioning into a dual-income household with new debt, especially since t…
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Happy Friday Future Rich Fam! In today's episode, CFP Barbara Ginty interviews the fabulous Natasha! In this episode, Barbara and Natasha discuss the financial implications of parenthood, focusing on essential baby planning. Here are the takeaways from this episode... Planning for a baby involves significant financial changes. Budgeting for new exp…
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Happy Friday Future Rich Fam! In today's episode, CFP Barbara Ginty interviews the lovely Tegan! Tegan is a strategic communications consultant who started her own consulting practice. She's been in business for almost a year and a half and is earning around $80,000 per year. Tegan is interested in planning for her retirement and wants to ramp down…
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In today’s episode, CFP Barbara Ginty interviews the marvelous Mia! Mia is 39 and lives in the Washington, D.C. area. She works as a Program Manager for the Federal Government. Her annual income is around $102K, and she has a mortgage, credit card debt, and student loans that she is actively working to pay off. Her main goals are to pay off $22K in…
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Happy Friday, Future Rich Fam! In today's episode, Barbara interviews the lovely Megan! Megan is 33 years old and works as a hospital worker in Wyoming. She owns a home with her husband, a first responder, and the owner of a construction company. Barb and Megan discuss... Megan and her husband's different incomes How Megan saved around $57,000 for …
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This is part two of last week’s episode #258 with Genevieve. If you haven’t listened to that episode, please listen before tuning in to this week’s episode. To recap, today’s guest is the lovely Genevieve. She’s a 30-year-old director of marketing and communications for a mental health nonprofit organization. Barb and Genevieve discuss… Her unique …
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258. Genevieve Pt. 1 "Optimizing Taxes and Increasing Savings in a High Cost of Living Area"
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Happy Friday! In today's episode, Barbara Ginty interviews Genevieve, a 30-year-old director of marketing and communications for a mental health nonprofit organization. This is the first part of the episode. Please come back next Friday for part two. In part one of this episode, Genevieve and Barb discuss... Genevieve's income with her relatively n…
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257. EXPERT Charlotte Cowles - "Can You Avoid Being a Victim of Scams and Financial Crimes?"
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On this week's episode of Future Rich, Barbara Ginty speaks with financial journalist Charlotte Cowles all about scams, fraud, and financial crime! Charlotte is a freelance journalist and writer for The New York Times, The Cut, and other publications. Charlotte and Barbara discuss... Charlotte's personal experience with a scammer The role of stigma…
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In today's solo episode, CFP Barbara Ginty shares her advice on money moves to make before turning 40. Barb reflects on her financial journey and highlights key strategies that have helped her achieve financial success without compromising personal values and goals. These strategies include... Starting to save for retirement early Taking calculated…
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You’re in for a very special episode this week! CFP Barbara Ginty interviews the fantastic Jessica, who shares her experience of calling off her wedding six weeks before the date and the importance of financial independence. Jessica is 30 years old, a nurse by education, and works remotely as a project manager for a medical device company. She live…
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On this week's episode of Future Rich, Barbara Ginty talks to Credit Coach Jeanne Kelly all about the dangers of "Buy Now, Pay Later" Jeanne Kelly is the founder of The Kelly Group. A highly sought-after credit coach, healthy credit expert, motivational speaker, and author of The Credit Training & The Credit Makeover. In this episode, Jeanne and Ba…
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Happy Friday Future Rich fam! In today's two-part episode, CFP Barbara Ginty continues to interview the lovely Monet! This is the second part of the episode. Please listen to the first part of the episode released on August 2nd first if you haven't already! Monet is 34 years old, lives in Pennsylvania, and works in education. She currently earns $5…
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Happy Friday Future Rich fam! In today's two-part episode, CFP Barbara Ginty interviews the lovely Monet! This is the first part of the episode. Please come back next Friday for part two! Monet is 34 years old, lives in Pennsylvania, and works in education. She currently earns $55K annually and is actively paying off around $9K of credit card debt.…
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In today's solo episode, CFP Barbara Ginty reviews the key takeaways from our recent podcast episodes with Megan and Cameron. She discusses inherited IRAs and the decision to buy a home. These episodes are meant to help condense the information from our traditional long-form interview-style episodes into more bite-sized takeaways. We are starting a…
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Happy Friday Future Rich fam! In today's two-part episode, CFP Barbara Ginty interviews the wonderful Cameron! This is the second part of the episode. Please listen to part one of this episode (249) before you listen to today's episode! Cameron is 23 years old, lives in South Carolina with her partner, and works in Aircraft Maintenance. She current…
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Happy Friday Future Rich fam! In today's two-part episode, CFP Barbara Ginty interviews the wonderful Cameron! This is the first part of the episode. Please come back next Friday for part two! Cameron is 23 years old, lives in South Carolina with her partner, and works in Aircraft Maintenance. She currently earns $60,000 annually and is actively pa…
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Happy Friday! In today's episode, CFP Barbara Ginty interviews the lovely Megan who opens up about her experience of unexpectedly getting sick in 2021 and the financial challenges she faced as a result, including depleting her savings. Fast forward to 2024, Megan and her husband now have a combined income of around $8,100 per month, $85,000 in savi…
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In this expert episode of the #FutureRich podcast, Barbara Ginty interviews writer and editor Lindsey Stanberry about her newsletter, The Purse, which explores the financial and domestic aspects of women's lives. They discuss the two franchises within the newsletter: Home Economics, which focuses on the financial life of a woman and her family, and…
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246. Lilith "Late Starts to Saving Money and the Wild World of Dating in NYC"
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Happy Friday! In this week's episode of Future Rich, CFP Barbara Ginty interviews the lovely Lilith! Lilith is 33, lives in New York City, and makes $89,000 annually working in publishing. She recently ended a two-and-a-half-year relationship and is at a big crossroads in her personal and financial life. Lilith and Barb discuss... The financial imp…
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In today's solo episode, we're trying something a little different! CFP Barbara Ginty reviews the key takeaways from our recent podcast episodes with Raquel and Sarah. These episodes are meant to help condense the information from our traditional long-form interview-style episodes into more bite-sized takeaways. Please let us know if you like this …
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Happy Friday! In today's episode of Future Rich, CFP Barbara Ginty interviews Sarah, a business owner with multiple entities, no debt, and $700,000 in investments. Sarah and Barb discuss... How Sarah owns a house through an LLC How she manages her annual expenses Her retirement goals Why she is not relying on Social Security S-Corp distributions ..…
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Happy 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-ho…
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Happy 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 h…
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In 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 f…
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Happy 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 …
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Happy 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 l…
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This 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 adjustment…
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In 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…
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Happy 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…
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This 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. B…
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In 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 a…
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This 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 …
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In 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 navig…
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In 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 savin…
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In 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…
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229. Anna - "Can You Afford to Make a Career Pivot?"
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In 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 conver…
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This 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 …
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In 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 Fut…
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Happy 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 ac…
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In 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 t…
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In 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 i…
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THROWBACK 190 - Morgan "Pay Off Debt, Pay for Egg Freezing, and Ramp Up the Emergency Fund."
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In 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 "ha…
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THROWBACK 212 - Social Security and the Million Dollar Decision YOU Need to Consider for Your Retirement
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Happy 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 i…
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Happy 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 su…
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225. "Consumerism, Inflation, and Interest Rates are Up this Holiday Season!" with Potter and Barb
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In 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…
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"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 finan…
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