Future Rich will return on March 15th, 2025 with more in-depth personal finance interviews, chats with expert guests, financial freebies, and a few more surprises... Until then, we'll be re-releasing our favorite episodes throughout the years. In today’s THROWBACK episode, CFP Barbara Ginty interviews Evelyn! Evelyn is 26, lives in North Carolina and works in tech. She just got a promotion and has big travel and life plans that are a bit up in the air. Barbara and Evelyn discuss... Expenses ...
Mar 07, 2025•28 min•Transcript available on Metacast In today's THROWBACK episode, CFP Barbara Ginty interviews the wonderful Neet! Neet lives in Texas (where she doesn't have to pay state income tax!) and works as a Manager for a Consumer Goods Company. She is truly a ROCKSTAR when it comes to managing her personal finances, saves around 4K per month, and has about half a million in savings at the age of 35! In this episode, Neet talks about... How she educated herself on saving and investing her money Budgeting backwards What she plans t...
Feb 28, 2025•38 min•Transcript available on Metacast In today's THROWBACK episode, CFP Barbara Ginty interviews the fabulous Ruthie! Ruthie lives in Brooklyn, New York, and works in Manhattan. She is thirty-five years old, single, and lives alone. She feels like she's constantly playing catch up from working in the non-profit world for 12 years of her life. She makes $104,000 per year at the first for-profit job that she's had. Ruthie and Barb discuss... Budgeting in one of the most expensive and highly taxed cities Renting vs. Buying ...
Jan 17, 2025•36 min•Transcript available on Metacast Today’s THROWBACK episode is a really fun one! CFP Barbara Ginty interviews the wonderful Carrie! Carrie is 36-years-old. She works in Nebraska as a paralegal and is currently in the process of becoming a first-time home owner. She makes $1900 per month and has some high expenses that are holding her back from reaching her financial goals. Barbara and Carrie discuss... If it's worth it for Carrie to have a car when the expenses are holding her back in other ways The benefits of owning a home...
Jan 10, 2025•41 min•Transcript available on Metacast Hey Future Rich Fam! In today's THROWBACK Q&A episode, Barbara answers YOUR questions submitted through our Instagram , which if you aren't already following, you should! We got some juicy questions ranging from figuring out what you can afford when buying a new home vs. what you're approved for, how and when to share expenses with your partner, and what is different when you're married/engaged, etc. We'll be back in February 2025 with more in-depth personal finance inter...
Jan 03, 2025•42 min•Transcript available on Metacast In this week's THROWBACK episode, CFP Barbara Ginty interviews the wonderful Penny! Penny is 37, single, lives in Washington, D.C., and works at a small Residential Interior Design Firm. Penny feels pretty good about her short-term savings and retirement. Where she struggles is with what specific goals she wants to focus on and allocate the rest of her funds on. In this episode, Barbara and Penny discuss... Renting vs. Mortage Investing vs. Saving in a High-Yield Savings Account What Tax Har...
Dec 27, 2024•1 hr 2 min•Transcript available on Metacast 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 u...
Dec 20, 2024•31 min•Transcript available on Metacast This week we're wrapping up Season 7 of #FutureRich from the Airport! Apologies for the sound quality on this episode, Barbara had to record on the go! We cannot thank every one of our lovely listeners enough for tuning in with us every Friday this year. Where the heck did 2024 go?? We'll be back in February 2025 with more in-depth personal finance interviews, chats with expert guests, financial freebies, PLUS a few more surprises... Until then, we'll be re-releasing our favorite epi...
Dec 07, 2024•4 min•Transcript available on Metacast Happy Friday! In today's episode of Future Rich, our special expert guest is Elizabeth Kaczka! Elizabeth is an independent luxury travel advisor with Fora, the Bessie Award Finalist for Travel Startup of the Year and one of Fast Company's Most Innovative Companies of the Year. In this special travel-focused episode, Barb and Elizabeth discuss... Elizabeth's transition from a career in medicine to travel planning Work-life balance as a travel agent Why travel doesn't have to just ...
Nov 29, 2024•41 min•Transcript available on Metacast In this episode of Future Rich, our special expert guest is Kimberlee Davis, Wealth Manager, Partner, Managing Director, Author, and The Fiscal Feminist. Kimberlee's mission is to give women the tools and a roadmap to having a healthy relationship with money. She believes that we all have a personal responsibility to ourselves to be financially intentional so we can have control and peace of mind. In this episode, Kimberlee shares her journey navigating personal finance, working as a lawyer,...
Nov 22, 2024•43 min•Transcript available on Metacast Happy Friday! In today's solo episode of Future Rich, CFP Barbara Guinty discusses the complexities of managing finances in a relationship, specifically using an anonymous AITAH (Am I the A**hole) thread on Reddit as a jumping point. Here is the start of the Reddit thread for context: "AITAH for separating my finances from my husband because he keeps lending money to his parents? We've been together for over 9 years, and until this year, the thought of separating our finances never e...
Nov 15, 2024•18 min•Transcript available on Metacast Happy Friday Future Rich Fam! In this episode of the pod, CFP Barbara Ginty interviews the lovely Jane! Jane and her husband both work in sales and have a combined bi-weekly gross pay of $7,550. They have two young children and their monthly expenses total $5,321. They also own two rental properties that bring in an additional $1,400 per month. Jane is considering a career change and wants to be as financially prepared as possible. Jane and her husband have over $1 million in combined assets, in...
Nov 08, 2024•54 min•Transcript available on Metacast Happy Friday Future Rich fam! In today's episode, CFP Barbara Ginty interviews the lovely Christina! Christina is a product designer from Nebraska. She's been the sole income earner in her household while her husband finishes grad school. Christina is looking for advice on transitioning into a dual-income household with new debt, especially since they recently bought a house and have student loans. We hope you enjoy this episode! Would YOU like to be an anonymous guest on the podcast? We...
Nov 01, 2024•51 min•Transcript available on Metacast Happy Friday Future Rich Fam! In today's episode, CFP Barbara Ginty interviews the fabulous Natasha! In this episode, Barbara and Natasha discuss the financial implications of parenthood, focusing on essential baby planning. Here are the takeaways from this episode... Planning for a baby involves significant financial changes. Budgeting for new expenses should start before the baby arrives. Childcare costs can be as high as a mortgage payment. Start researching childcare options early due to...
Oct 25, 2024•25 min•Transcript available on Metacast Happy Friday Future Rich Fam! In today's episode, CFP Barbara Ginty interviews the lovely Tegan! Tegan is a strategic communications consultant who started her own consulting practice. She's been in business for almost a year and a half and is earning around $80,000 per year. Tegan is interested in planning for her retirement and wants to ramp down from work before officially retiring. Tegan currently has saved... $183,000 in her IRA $74,500 in her Roth IRA A Solo 401k with just under $1...
Oct 11, 2024•56 min•Transcript available on Metacast In today’s episode, CFP Barbara Ginty interviews the marvelous Mia! Mia is 39 and lives in the Washington, D.C. area. She works as a Program Manager for the Federal Government. Her annual income is around $102K, and she has a mortgage, credit card debt, and student loans that she is actively working to pay off. Her main goals are to pay off $22K in credit card debt and save enough money for fertility treatments. They discuss… Strategies for paying off credit card debt Managing expenses while sav...
Oct 04, 2024•57 min•Transcript available on Metacast Happy Friday, Future Rich Fam! In today's episode, Barbara interviews the lovely Megan! Megan is 33 years old and works as a hospital worker in Wyoming. She owns a home with her husband, a first responder, and the owner of a construction company. Barb and Megan discuss... Megan and her husband's different incomes How Megan saved around $57,000 for her retirement Switching from whole life insurance to term insurance Increasing contributions to Megan's Roth IRA Focusing on paying off h...
Sep 27, 2024•57 min•Transcript available on Metacast This is part two of last week’s episode #258 with Genevieve. If you haven’t listened to that episode, please listen before tuning in to this week’s episode. To recap, today’s guest is the lovely Genevieve. She’s a 30-year-old director of marketing and communications for a mental health nonprofit organization. Barb and Genevieve discuss… Her unique interest-free lending program called Hebrew Free Loan Her and her husband’s monthly expenses, including rent, groceries, entertainment, subscriptions,...
Sep 20, 2024•38 min•Transcript available on Metacast Happy Friday! In today's episode, Barbara Ginty interviews Genevieve, a 30-year-old director of marketing and communications for a mental health nonprofit organization. This is the first part of the episode. Please come back next Friday for part two. In part one of this episode, Genevieve and Barb discuss... Genevieve's income with her relatively new job High living costs in the Bay Area Filing taxes jointly vs. separately and the potential impact on student loan payments and retirement ...
Sep 13, 2024•37 min•Transcript available on Metacast On this week's episode of Future Rich, Barbara Ginty speaks with financial journalist Charlotte Cowles all about scams, fraud, and financial crime! Charlotte is a freelance journalist and writer for The New York Times, The Cut, and other publications. Charlotte and Barbara discuss... Charlotte's personal experience with a scammer The role of stigma in perpetuating scams and the need to support and believe victims Who scammers specifically target (the answer may surprise you!) Practical a...
Sep 06, 2024•42 min•Transcript available on Metacast In today's solo episode, CFP Barbara Ginty shares her advice on money moves to make before turning 40. Barb reflects on her financial journey and highlights key strategies that have helped her achieve financial success without compromising personal values and goals. These strategies include... Starting to save for retirement early Taking calculated risks in career choices Becoming financially literate ... and more! Remember not to compare your journey to mine or anyone else's. We're ...
Aug 30, 2024•23 min•Transcript available on Metacast You’re in for a very special episode this week! CFP Barbara Ginty interviews the fantastic Jessica, who shares her experience of calling off her wedding six weeks before the date and the importance of financial independence. Jessica is 30 years old, a nurse by education, and works remotely as a project manager for a medical device company. She lives in the Milwaukee area and earns a base salary of $127K annually. Jessica also has an impressive $86,000 in diversified savings! In this episode, the...
Aug 23, 2024•44 min•Transcript available on Metacast On this week's episode of Future Rich, Barbara Ginty talks to Credit Coach Jeanne Kelly all about the dangers of "Buy Now, Pay Later" Jeanne Kelly is the founder of The Kelly Group. A highly sought-after credit coach, healthy credit expert, motivational speaker, and author of The Credit Training & The Credit Makeover. In this episode, Jeanne and Barb discuss... What "Buy Now, Pay Later" is If "Buy Now, Pay Later" shows up on your credit report The current trend of...
Aug 16, 2024•31 min•Transcript available on Metacast Happy Friday Future Rich fam! In today's two-part episode, CFP Barbara Ginty continues to interview the lovely Monet! This is the second part of the episode. Please listen to the first part of the episode released on August 2nd first if you haven't already! Monet is 34 years old, lives in Pennsylvania, and works in education. She currently earns $55K annually and is actively paying off around $9K of credit card debt. Monet is also working on paying down her $160K of student loan debt and...
Aug 09, 2024•31 min•Transcript available on Metacast Happy Friday Future Rich fam! In today's two-part episode, CFP Barbara Ginty interviews the lovely Monet! This is the first part of the episode. Please come back next Friday for part two! Monet is 34 years old, lives in Pennsylvania, and works in education. She currently earns $55K annually and is actively paying off around $9K of credit card debt. Monet is also working on paying down her $160K of student loan debt and is investigating if she qualifies for public service loan forgiveness. In...
Aug 02, 2024•40 min•Transcript available on Metacast In today's solo episode, CFP Barbara Ginty reviews the key takeaways from our recent podcast episodes with Megan and Cameron. She discusses inherited IRAs and the decision to buy a home. These episodes are meant to help condense the information from our traditional long-form interview-style episodes into more bite-sized takeaways. We are starting a "No Spending" challenge for the month of August! Listen to the episode for more details on how to join! If you'd like to be an anonym...
Jul 26, 2024•14 min•Transcript available on Metacast Happy Friday Future Rich fam! In today's two-part episode, CFP Barbara Ginty interviews the wonderful Cameron! This is the second part of the episode. Please listen to part one of this episode (249) before you listen to today's episode! Cameron is 23 years old, lives in South Carolina with her partner, and works in Aircraft Maintenance. She currently earns $60,000 annually and is actively paying off around $10,000 of debt. In this episode, Barb and Cameron discuss... The different opport...
Jul 19, 2024•51 min•Transcript available on Metacast Happy Friday Future Rich fam! In today's two-part episode, CFP Barbara Ginty interviews the wonderful Cameron! This is the first part of the episode. Please come back next Friday for part two! Cameron is 23 years old, lives in South Carolina with her partner, and works in Aircraft Maintenance. She currently earns $60,000 annually and is actively paying off around $10,000 of debt. In this episode, Barb and Cameron discuss... Cameron's plan to pay off her debt and build her emergency savin...
Jul 12, 2024•47 min•Transcript available on Metacast Happy Friday! In today's episode, CFP Barbara Ginty interviews the lovely Megan who opens up about her experience of unexpectedly getting sick in 2021 and the financial challenges she faced as a result, including depleting her savings. Fast forward to 2024, Megan and her husband now have a combined income of around $8,100 per month, $85,000 in savings and $100,000 in an inherited IRA. Barb provides Megan with insight regarding her inheritance and retirement planning. They discuss... The tax ...
Jul 05, 2024•56 min•Transcript available on Metacast In this expert episode of the #FutureRich podcast, Barbara Ginty interviews writer and editor Lindsey Stanberry about her newsletter, The Purse, which explores the financial and domestic aspects of women's lives. They discuss the two franchises within the newsletter: Home Economics, which focuses on the financial life of a woman and her family, and Division of Labor, which showcases couples with children and their daily routines. Barb and Lindsey also touch on... How important communication ...
Jun 28, 2024•38 min•Transcript available on Metacast