Future Rich with Barbara Ginty, CFP®

Hi lovely listeners! In this week's shorter topic-focused episode of Future Rich, Certified Financial Planner Barbara Ginty discusses the fundamentals of Individual Retirement Accounts (IRAs), focusing on Traditional IRAs.

She explains the contribution limits, income requirements, and tax implications of traditional IRAs, and the importance of understanding these rules for effective retirement planning. This episode is for anyone who is looking to learn more about retirement accounts.

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

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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.

Hi lovely listeners! We are officially BACK from winter break! We missed you all so much! In this first episode of our 9th season, Certified Financial Planner, Barbara Ginty catches us up on what the Future Rich team has in store for 2026 and drops a few hints on our first expert guest(s) of the season! 

This season, we are also sharing new bite-sized episodes focused on hyper-specific financial topics. Don't worry, we will still feature our anonymous guest episodes, where we interview women about their personal finances and break down how they can become #FutureRich.

Speaking of guests...

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 today's THROWBACK episode, CFP and Future Rich Host Barbara Ginty is joined by Amy, who lives in Brooklyn, NY, and works as a Speech Language Pathologist in the Public School System.

Amy is 32 and recently discovered Future Rich after hearing Barbara on the Break up Bestie podcast. She has done a great job sorting out her budget and consolidating her credit card debt which was at 11K and at the time of this recording is down to 9K.

Listen to this episode to learn about Amy's plan to up her savings ratio, get rid of her credit card debt and have more money each month to live life to the fullest. Barbara has a surprising idea that will help Amy get an estimated 12K in emergency fund after 12 months.

We'll be back in February with short, subject specific episodes and then will be back in March with all new guest and expert episodes!

Speaking of guests...

If you'd like to be a guest on the podcast, we are looking specifically for women in their 50s and 60s 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! We hope you're all having a very happy New Year!

Today, we're sharing our most popular THROWBACK episode #191 with our lovely guest Nora. We will have new episodes in February!

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 savings accounts
• The FIRE movement

If you'd like to be a guest on the podcast, we are looking specifically for women in their 50s and 60s 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 an extra special episode with expert guests, Heather and Douglas Bonaparth!

Heather is the Director of Business and Legal Affairs at Bone Fide Wealth, LLC. She writes on love, money, family & fairness. She has written for CNBC, theSkimm, Insider, Scary Mommy, and more. Douglas is a CFP® and the President at Bone Fide Wealth, LLC. Douglas also serves on the advisory councils for CNBC and Investopedia. He has been featured in The New York Times, The Wall Street Journal, Barron’s, and more. 

Douglas and Heather co-authored Money Together, available wherever you buy books! Get more info here. In Money Together, Heather and Douglas Boneparth help couples in every era of their lives approach money with greater fairness, sustainability, respect, and love. 

In this episode, Heather and Douglas talk about their personal path to working together, starting "The Joint Account" Newsletter, and writing Money Together.

They also discuss:

• Redefining power in relationships
• Why you don't have to take away power from your partner
• Why personal growth is essential for career success
• How gender still plays a crucial role in leadership dynamics
• Why collaboration in relationships can lead to greater empowerment.
• Why support systems are vital for professional growth
• Why ambition should be embraced, not shamed

Follow Doug here.

Follow Heather here.

Subscribe to "The Joint Account" here.

This is our last episode of the 2025 season of Future Rich Podcast! Thank you all so much for listening over the years! We can't wait to be back in February 2026 with all new episodes!

If you'd like to be a guest on the podcast, we are looking specifically for women in their 50s and 60s 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!

We have free subscriptions and paid subscriptions. 

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're wrapping up the 2025 season of Future Rich Podcast! Thank you all so much for listening over the years! We can't wait to be back in February 2026 with all new episodes!

If you'd like to be a guest on the podcast, we are looking specifically for women in their 50s and 60s 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

🔍 In this episode, Barbara also covers:

• How IVF and egg freezing can be financially planned for and prioritized.
• Why understanding insurance plans is crucial for managing healthcare costs.
• Cash payments can sometimes be cheaper than using insurance.
• Why planning for fertility treatments should be part of financial planning.

**All of our newsletters have moved to Substack, so subscribe if you want to keep in the loop with all things Future Rich!

We have free subscriptions and paid subscriptions. 

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's solo episode is a little different as Barbara Ginty, CFP discusses her personal fertility journey with egg freezing and IVF.

If you haven't listened to episode #45 of the podcast, you should either before or after this episode so you can hear Barbara from six years ago discuss her journey in real time, including all of the nitty-gritty details! 

🔍 In this episode, Barbara also covers:

• The importance of financial planning and maintaining a robust emergency fund during these expensive life phases
• The benefits of 529 plans for saving for children's education
• The evolving landscape of maternity and paternity leave policies

If you have any further questions on Barbara's fertility journey, DM us on Instagram (@futurerichpodcast) 💌

**All of our newsletters have moved to Substack, so subscribe if you want to keep in the loop with all things Future Rich!

We have free subscriptions and paid subscriptions. 

In the next season of Future Rich, we’re bringing you even more REAL guest stories about personal finance AND diving deeper into retirement planning, social security, and more.

Got burning questions about retirement? Or want to be an anonymous guest on the pod? 🌍 No matter where you are in the world or your financial situation, we’d love to have you!

💌 DM us on Instagram (@futurerichpodcast) or apply here. Let’s make it happen! ✨ #FutureRichPodcast

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, host Barbara Ginty continues her conversation with Shelby, a 55-year-old government employee, about her financial situation, including income, expenses, retirement planning, and debt management. 

In this episode, Barbara gives Shelby some hard-to-hear, but necessary advice: her budget needs to get under control! Listen to learn what Barbara's tips are for Shelby to get started on paying off her debt effectively and why creating an emergency fund is essential for her financial security.

*This is part two of a two-part episode; part one aired on all major podcast platforms last Friday, 10/31.

*All of our newsletters have moved to Substack, so subscribe if you want to keep in the loop with all things Future Rich!

We have free subscriptions and paid subscriptions. 

This season of Future Rich we’re bringing you even more REAL guest stories about personal finance AND diving deeper into retirement planning.

Got burning questions about retirement? Or want to be an anonymous guest on the pod? 🌍 No matter where you are in the world or your financial situation, we’d love to have you!

💌 DM us on Instagram (@futurerichpodcast) or apply here. Let’s make it happen! ✨ #FutureRichPodcast

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 Halloween!

In this episode of Future Rich, host Barbara Ginty speaks with Shelby, a 55-year-old government employee, about her financial situation, including income, expenses, retirement planning, and debt management. 

Shelby shares insights into...

• Her family's financial habits
• Her goal to get out of credit card debt
• The importance of budgeting

*This is part one of a two-part episode; part two will be available on all major podcast platforms next Friday, 11/7.

*All of our newsletters have moved to Substack, so subscribe if you want to keep in the loop with all things Future Rich!

We have free subscriptions and paid subscriptions. 

This season of Future Rich we’re bringing you even more REAL guest stories about personal finance AND diving deeper into retirement planning.

Got burning questions about retirement? Or want to be an anonymous guest on the pod? 🌍 No matter where you are in the world or your financial situation, we’d love to have you!

💌 DM us on Instagram (@futurerichpodcast) or apply here. Let’s make it happen! ✨ #FutureRichPodcast

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, host Barbara Ginty speaks with Zoe, a 34-year-old mental health therapist living in Florida with her husband and their five-year-old daughter.

Barb provides Zoe with a plan to eliminate her credit card debt and offers her some advice on whether or not she should go back to school and take on more student loan debt with the potential to make more money in the future...

Listen to find out what Barb's advice is, it might suprise you!

*This is part two of a two-part episode; part one aired on October 17th!

*All of our newsletters have moved to Substack, so subscribe if you want to keep in the loop with all things Future Rich!

We have free subscriptions and paid subscriptions. 

This season of Future Rich we’re bringing you even more REAL guest stories about personal finance AND diving deeper into retirement planning.

Got burning questions about retirement? Or want to be an anonymous guest on the pod? 🌍 No matter where you are in the world or your financial situation, we’d love to have you!

💌 DM us on Instagram (@futurerichpodcast) or apply here. Let’s make it happen! ✨ #FutureRichPodcast

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.