Future Rich with Barbara Ginty, CFP®

In this two-part episode of Future Rich, host Barbara Ginty speaks with Sarah, a 46-year-old middle school teacher married to a paramedic. They live in the southwest and have four boys.

*This is part two of a two-part episode; part one aired on 5/23.

They continue to discuss...

• Debt management
• Employer contributions
• How Sarah can leverage multiple income streams
• A 5-year plan for Sarah and her family to achieve financial security
• The unique considerations that families with children who have special needs should take

**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

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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 Sarah, a 46-year-old middle school teacher married to a paramedic. They live in the southwest and have four boys.

Barbara and Sarah go over her salary, her husband's job as a paramedic, their pension plans, health insurance, and the challenges of managing a household with four boys.

They discuss...

• How to navigate the complexities of student loans
• Income-based repayment plans
• Sarah's plan for their children's education including 529s
• ... and more!

*This is part two of a two-part episode; part one will air next Friday on 5/30.

**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 and CFP, Barbara Ginty, delves into the complexities of Social Security benefits, focusing on spousal, former spouse, and survivor benefits. She emphasizes the importance of understanding these benefits, especially for women, who represent a significant portion of beneficiaries.

This episode includes...

• Strategies for maximizing benefits
• The implications of delaying benefits
• The necessity of planning for retirement income beyond Social Security.

We encourage listeners to consider all their Social Security options carefully to ensure a secure financial future.

Subscribe to our Substack for more topic-focused deep dives like this!

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 Katherine, an airline pilot with a significant income and complex financial situation.

Katherine is 48 years old and is a pilot making around 350 - 375k a year. She lives with her 55-year-old partner, who has retired, her two children, one is 8 and the other is college-aged, and her mother-in-law.

In part 2 of this episode, they discuss...

• A plan for Katherine to be able to balance present enjoyment with future needs
• Aligning financial goals with family dynamics
• How much Barbara estimates Katherine will need to save in order to retire comfortably
• The importance of focusing on an emergency fund
• Barbara's 90-day financial sprint method

*This is part two of a two-part episode; part one aired on 5/2

**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 Katherine, an airline pilot with a significant income and complex financial situation.

Katherine is 48 years old and is a pilot making around 350 - 375k a year. She lives with her 55-year-old partner, who has retired, her two children, one is 8 and the other is college-aged, and her mother-in-law.

They discuss...

• Katherine's 401(k) plan, which includes an unprecedented employer match
• Understanding the impact of student loans and the capitalization of interest
• Retirement planning with mandatory retirement ages
• The importance of having an emergency fund as a safety net for unexpected expenses.
• The complexities of balancing Katherine's lifestyle and financial responsibilities

*This is part two of a two-part episode; part one will air next Friday on 5/9.

**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 the lovely Eileen about her financial goals after her recent move from Pennsylvania to Florida!

*This is part two of a two-part episode, part one aired last Friday on 4/11!

Here is a recap on our guest:

Eileen is 43 years old, works remotely for a software company with a base income of $65K per year, and just purchased a new home with her partner in Florida using a down payment assistance program!

In this episode, Barb and Eileen discuss...

• The importance of taking time off from saving/investing if you feel you need to
• Investing after living through paying off debt
• Why you should have a mix of retirement money
• The importance of being patient with your investments during "down" or "unstable" periods in the market

Subscribe to our Substack for more topic-focused deep dives like this! 

**All of our newsletters will move to Substack so subscribe if you want to keep in the loop with all things Future Rich! We will 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.

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In this episode of Future Rich, host Barbara Ginty speaks with the lovely Eileen about her financial goals after her recent move from Pennsylvania to Florida!

*This is part one of a two-part episode, so part two will air next Friday on 4/18!

Eileen is 43 years old, works remotely for a software company with a base income of $65K per year, and just purchased a new home with her partner in Florida using a down payment assistance program!

Barb and Eileen discuss...

• The importance of having a solid financial plan
• How Eileen got down payment assistance for her mortgage
• Managing debt and preparing for retirement while also addressing the emotional aspects of handling money and investments.
• Eileen's concerns about feeling behind in her retirement savings
• ...and more!

Subscribe to our Substack for more topic-focused deep dives like this! 

**All of our newsletters will move to Substack so subscribe if you want to keep in the loop with all things Future Rich! We will 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 and CFP, Barbara Ginty, discusses the importance of financial literacy, mainly focusing on social security. Barbara addresses… 

• Common misconceptions
• The history and purpose of social security
• Eligibility requirements
• The significance of social security as a supplement to retirement income. 

This conversation emphasizes the need for better understanding and planning around social security benefits, especially for women and retirees.

Listen to find out what Barbara's takeaways are for those of you that are worried about social security in 2025.

Subscribe to our Substack for more topic-focused deep dives like this!

**All of our newsletters will move to Substack so subscribe if you want to keep in the loop with all things Future Rich! We will 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 today's episode of Future Rich, host Barbara Ginty chats with Gabby! Gabby just turned 30, lives in a high-cost-of-living city in the Midwest, and makes a base pay of 160K per year working in corporate finance.

They discuss...

• Gabby's income, expenses, and budgeting strategies
• How a lifestyle switch in Gabby's upbringing shaped her savings mindset
• Navigating finances with partners
• (ESPPs) Employ Stock Purchase Plans and 529s
• Gabby's good financial habits and how she's avoided lifestyle creep
• ...and more!

Listen to find out what Barbara's practical advice is for Gabby to continue to set her future self up for financial success!

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 today's episode of Future Rich, host Barbara Ginty speaks with Cindy, a 25-year-old nonprofit development worker, about her financial journey. Cindy shares her experiences with budgeting and the steps she is taking to improve her financial situation, some of which might surprise you!

They discuss...

• Cindy's income, expenses, budgeting strategies, and the challenges she faces with debt management.
• The importance of having an emergency fund
• Understanding refinancing options
• Setting future financial goals with her husband

Find out what Barbara's practical advice is for Cindy to set her future self up for financial success!

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.