On this week's episode of Future Rich, Barbara Ginty interviews 29-year-old Kennley, who works in the meeting and event planning industry in San Diego.

Kennley has hardly any debt but a lot of anxiety surrounding her savings and how to make her variable budget work for her financial goals.

Barb and Kennley discuss…

* Traditional vs. Roth IRAs

* How to manage taxes in a high-tax city

* Why it's never too late to set your future self up for financial success

* Sneaky strategies to save more money

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Thanks for listening!