Future Rich with Barbara Ginty, CFP®

Happy Friday! This week on the podcast, we have a great episode with our lovely guest, Annie!

Annie is 33 years old, lives in Pennsylvania with her parents, and works as a data analyst. She racked up $10K of credit card debt in her 20s and just finished paying it off. She is getting ready for a big move to Orlando, Florida, and dreams of retiring in her 50s.

Despite her credit card debt and having $5K of student loans left to pay, Annie is on track to have $2 Million in savings in the next 20 years!

Barb and Annie discuss...

• Becoming work optional by age 55
• The importance of maintaining a healthy balance between current living expenses and future savings
• Annie's impressive savings across various accounts
• Her upcoming expenses related to her move
• Annie's strategies for managing student loans and retirement contributions
• ...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.

Happy Friday, Future Rich Fam! In this episode, host Barbara Ginty is joined by entrepreneur Jaclyn Tracy, founder of Sistain, about her journey building a non-toxic home goods marketplace, the challenges she faced throughout the entire process, and the lessons she learned from closing Sistain.

The conversation delves into...

• The importance of truly understanding the financials in a small business
• The impact of market timing
• The emotional toll of entrepreneurship
• The significance of building a strong business model alongside a brand
• ... and so much more!

Check out Jaclyn's Substack here.

Follow Jaclyn on Instagram 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

Follow us on TikTok

Follow us on Instagram

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!

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.

Happy Friday! This week on the podcast, we have a great episode with our lovely guest, Joan!

Joan is 33 years old, lives in Southern California with her partner, and works in supply chain management for clothing companies. She recently got a raise and now makes $95K per year. Joan has a travel fund and a brokerage account for investments. She and her partner are savers and have similar mindsets when it comes to finances. Joan is worried about her parents and what their financial needs will be as they age.

Barb and Joan discuss...

• The complexities of estate planning
• The difference between a Roth IRA and a Roth 401k
• How estate planning can protect assets from long-term care costs
• Navigating Long-Term Care Conversations
• ...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!

Subscriptions are FREE!

Subscribe to our YouTube

Follow us on TikTok

Follow us on Instagram

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!

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.

In this episode of Future Rich, Barbara follows up with Jane from episode 265 of the pod to discuss Jane's financial journey as she approaches her 40th birthday. Jane is still considering leaving her position in sales two years after her first conversation with Barbara, but this time she has $2 million saved in combined assets with her husband, including their retirement accounts, a high-yield savings account, and a brokerage account. They still have minimal debt, with only mortgages and a car payment.

Barb and Jane discuss...

• Jane's current financial situation, including income, savings, and debt
• Jane's plans to leave her corporate job and the implications of that decision
• Budgeting for a single income
• The importance of flexibility when making life pivots
• Lifestyle changes when cutting an income in half with two small children and two houses
• ... 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!

Subscriptions are FREE!

Subscribe to our YouTube

Follow us on TikTok

Follow us on Instagram

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!

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.

Happy Friday, Future Rich Fam! In this episode, host Barbara Ginty is joined by expert guest and Co-Founder of Higher Innovation, Ashley Ciccel, to discuss the alarming rise of financial scams targeting startups, particularly those with female founders. Ashley shares her personal experience with a potential scam, highlighting key red flags and the need for gut checks in decision-making.

Barb and Ashley also discuss...

• The challenges of fundraising
• The sophistication of scammers
• The importance of due diligence and networking
• The vulnerability of startups in the current financial landscape
• Strategies for protection against scams
• ... and more!

Check out Higher Innovation here.

Follow Higher Innovation on Instagram 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

Follow us on TikTok

Follow us on Instagram

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!

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.

Happy Friday! This week on the podcast, we have a really special episode with our lovely guest, Roxanne!

Roxanne is 39 years old, lives in Los Angeles, CA, and works in the entertainment industry in marketing. She lives with her partner who has been struggling to keep a steady income in the film industry for the past few years. Despite their relatively low rent, they're struggling to make ends meet on Roxanne's 75K per year income.

Barb and Roxanne discuss...

• The challenges of managing expenses in a high-cost city
• The impact of job instability on income
• The importance of teamwork in addressing financial issues
• The need for open discussions about money in relationships
• Creative solutions to improve financial stability
• ... 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!

Subscriptions are FREE!

Subscribe to our YouTube

Follow us on TikTok

Follow us on Instagram

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!

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.

Happy Friday Future Rich fam! This week on the pod we have the wonderful Sandy!

Sandy is 35 years old, lives in Brooklyn, NY, and works at a Systems Admin Tech company. She recently got a 30% raise at her work! Sandy has big goals for financial independence and is well on her way there with 40k in her emergency funds and almost 1 million dollars in retirement savings.

Barb and Sandy discuss...

• How she got her recent salary increase
• Living expenses in New York City
• Strategies for maximizing retirement contributions
• The pros and cons of real estate investment
• ... 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!

Subscriptions are FREE!

Subscribe to our YouTube

Follow us on TikTok

Follow us on Instagram

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!

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.

Happy Friday Future Rich fam! This week, we have a special crossover episode for you! Barbara sits down with Author and Founder of the Infertile AF Group, Ali Prato to discuss her deeply personal fertility journey — and to talk honestly about the emotional and financial realities of IVF. 

They discuss...

• Barbara's personal fertility journey
• Ali's secondary infertility and IVF journey
• Common misconceptions about fertility and the emotional challenges women face
• Societal pressures for women to start a family
• The logistics involved with egg freezing
• The emotional rollercoaster that comes with fertility treatments
• The financial aspect of fertility treatments
• ... and so much more!

Ali Prato is an award-winning journalist and mama-of-two who went through secondary infertility, IUIs, IVF, depression, grief, and relationship issues. She is the founder of Infertile AF Group, a leading fertility media, community, and partnerships platform trusted by patients, clinics, and healthtech companies across the reproductive health ecosystem.

Check out Ali's website here.

Listen to Ali's podcast here.

Check out Ali's Children's Book Series about IVF, IUI and Family Building Through Assisted Reproductive Technology 

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

Follow us on TikTok

Follow us on Instagram

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!

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.

Happy Friday Future Rich fam! In this week's shorter topic-focused episode of Future Rich, Certified Financial Planner Barbara Ginty continues to discuss the fundamentals of Individual Retirement Accounts (IRAs), this time focusing on Non-Deductible IRAs.

Barbara provides an in-depth explanation of the often-overlooked non-deductible IRA. She discusses...  

• Their mechanics
• The eligibility criteria
• Their contribution limits
• The importance of tracking contributions to avoid tax complications

We hope you enjoy these shorter topic-focused episodes! Our full-length guest and expert episodes will return on March 20th.

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

Follow us on TikTok

Follow us on Instagram

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!

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.

Happy Friday Future Rich fam! In this week's shorter topic-focused episode of Future Rich, Certified Financial Planner Barbara Ginty continues to discuss the fundamentals of Individual Retirement Accounts (IRAs), focusing on Roth IRAs.

Barbara provides an in-depth explanation of Roth IRAs, covering their...

• Contribution limits
• Eligibility requirements
• Income thresholds
• Tax-free withdrawal conditions
• Unique benefits compared to traditional IRAs. 

We hope you enjoy these shorter topic-focused episodes! Our full length guest and expert episodes will return on March 20th.

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

Follow us on TikTok

Follow us on Instagram

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!

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.