Future Rich with Barbara Ginty, CFP®

In this two-part episode of Future Rich, host Barbara Ginty interviews 36-year-old Samantha! Samantha is a former teacher and current co-founder of a youth dance business in the San Francisco Bay Area.

In today's pod, Samantha and Barb discuss...

• Retirement planning as a business owner
• The positives and negatives of becoming a homeowner
• Saving money to start a family
• ...and more!

*This is part two of a two-part episode; part one aired last Friday on 8/1

**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 two-part episode of Future Rich, host Barbara Ginty interviews 36-year-old Samantha! Samantha is a former teacher and current co-founder of a youth dance business in the San Francisco Bay Area.

In today's pod, Samantha and Barb discuss...

• The challenges of starting a business
• Insights into managing business finances AND personal savings
• The differences between Simple IRAs and SEP IRAs

*This is part one of a two-part episode; part two will air next Friday on 8/8

**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!

In this two-part follow-up episode of Future Rich, host Barbara Ginty follows up with recurring guest Minnie to discuss significant changes in her financial landscape over the past few years. She is married with two kids, and lives and works in Minnesota. Spoiler: A LOT has changed!

Minnie's first time on Future Rich was back in September of 2020 (episode 93), and her second episode was in September of 2021 (episode 132). Feel free to listen to those episodes if you want Minnie's entire backstory!

In today's pod (which is part 2 of her follow-up), Minnie and Barb continue to catch up and discuss...

• The importance of financial education for women
• The value of financial advisors
• The significance of understanding fiduciary responsibilities
• The importance of regular financial check-ins
• The best practical budgeting strategies

*This is part two of a two-part episode; part one aired on Friday on 7/11

**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 Friday Future Rich Fam! 💸

This week, Barbara Ginty, CFP takes a deep dive into the latest in tax-advantaged savings with the introduction of Trump Accounts from the "Big Beautiful Bill" and the expansion of 529 Plans.

Whether you're expecting a child or planning for their future, this episode provides essential insights into maximizing these financial tools.

🔍 In this episode Barbara Covers:

Trump Accounts: 

• Learn about the $1,000 government seed money that the "Big Beautiful Bill" is offering and how these accounts function like a non-deductible IRA. 

529 Plans: 

• Discover the flexibility of 529 Plans for education and retirement savings, including the potential for state tax deductions.

Comparison: 

• Understand the differences in contribution limits, tax implications, and qualified expenses between the two plans.

💡 Knowledge is power—don’t miss this important deep dive!

**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 two-part follow-up episode of Future Rich, host Barbara Ginty follows up with recurring guest Minnie to discuss significant changes in her financial landscape over the past few years. She is married with two kids, and lives and works in Minnesota. Spoiler: A LOT has changed!

Minnie's first time on Future Rich was back in September of 2020 (episode 93), and her second episode was in September of 2021 (episode 132). Feel free to listen to those episodes if you want Minnie's entire backstory!

In today's pod, Minnie and Barb catch up and discuss...

• Maintaining a robust emergency fund
• The impact of income fluctuations on financial stability
• The relief that comes from student loan forgiveness
• Retirement planning
• Childcare and medical costs

*This is part one of a two-part episode; part two will air next Friday on 7/18

**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 two-part episode of Future Rich, host Barbara Ginty speaks with Dr. Pepper Potts, a 38-year-old who is transitioning from medical school to general surgery residency this July in New Jersey.

In this episode, they discuss...

• A plan for Dr. Pepper Potts to pay off $30,000 of her credit card debt
• Different options for a Roth IRA conversion
• Budgeting and expense management throughout residency.
• Dr. Pepper Pott's future income potential as a doctor

*This is part two of a two-part episode; part one aired on Friday on 6/27

**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.

Read less

In this two-part episode of Future Rich, host Barbara Ginty speaks with Dr. Pepper Potts, a 38-year-old who is transitioning from medical school to general surgery residency this July in New Jersey.

In this episode, they discuss...

• Dr. Potts' financial journey, including her residency salary, living expenses, and the burden of student loans
• Strategies for managing debt
• The importance of public service loan forgiveness
• Investment planning for the future

*This is part one of a two-part episode; part two will air next Friday on 7/4

**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 two-part episode of Future Rich, host Barbara Ginty speaks with Maude, a 31-year-old nurse practitioner living in Pennsylvania. She and her fiancé have been together for seven years and are planning a wedding in 2026.

In this episode, they discuss...

• Different retirement accounts and the different purposes they serve
• Whether or not Maude and her partner should start a joint account
• A plan for Maude to pay off her student loans to free up cash flow for the future

*This is part two of a two-part episode; part one aired on Friday on 6/13.

**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.

Read less

In this two-part episode of Future Rich, host Barbara Ginty speaks with Maude, a 31-year-old nurse practitioner living in Pennsylvania. She and her fiancé have been together for seven years and are planning a wedding in 2026.

In this episode, they discuss...

• The challenges of homeownership
• The impact of health insurance costs
• Strategies for managing student loan debt
• Student Loan Forgiveness options
• ... and more!

*This is part one of a two-part episode; part two will air next Friday on 6/20.

**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.

🚨 Protect Yourself & Your Loved Ones from Financial Scams 🚨

This week on Substack, Future Rich host Barbara Ginty dives into the alarming rise of financial crimes targeting seniors—particularly those 60 and older. 💸

🔍 In this episode:

• The growing sophistication of scams and how they operate
• The emotional and financial toll on victims
• Tools to recognize red flags and prevent falling victim
• Guidance on what to do if you or a loved one are affected, including navigating tax implications of losses

Barbara shares personal stories, actionable tips, and resources to help safeguard your retirement or assist loved ones in protecting theirs. 🛡️

💡 Knowledge is power—don’t miss this important deep dive!

👉 This is a Substack exclusive episode of Future Rich! If you want to listen to the full episode and help support the podcast, please consider becoming a paid subscriber on our Substack!

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.