CFP Barbara Ginty is joined by a previous guest from episode 63. 64 and 118 of the podcast, Sabine (whose previous name is Eglantine). Sabine has successfully had $150K of student loans forgiven through the public service loan forgiveness program. She lives in a two-family house and rents out the first floor, covering her mortgage, and still lives in Massachusetts with her family. Her monthly income varies from 15K-30K a year as an adjunct professor and her husband makes around 100K working in coding. In this episode, they discuss...Sabine's student loan forgiveness experienceTaking a career pivot during economic uncertaintyHousehold income and expenses management Estate planning and inheritance complexitiesThe importance of life insurance and emergency fundsCollege savings strategies and flexibilityAdapting financial plans over time with market changesDiscover insights on inheritance, life insurance, college savings, and adapting financial plans over time. Click here go to SSA.gov - Social Security Benefits EstimatorIf 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 YouTubeFollow us on TikTokFollow us on InstagramVisit the Future Rich Podcast website for Financial Freebies and ClassesLeaving reviews on the podcast is the best way to boost us on the podcast platforms and help more listeners get #FutureRichDownload 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.Advertising Inquiries: https://redcircle.com/brands

This week on Future Rich, Barbara delivers a short and sweet episode debunking three myths about Social Security and retirement based on the past three episodes of the pod. 🎙️Barb discussesWhy Social Security is not guaranteed to disappear, but may be reformed.Why real estate is not always the safest or best investment for retirement.Why paying taxes in retirement indicates good financial health, not failure. 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 YouTubeFollow us on TikTokFollow us on InstagramVisit the Future Rich Podcast website for Financial Freebies and ClassesLeaving reviews on the podcast is the best way to boost us on the podcast platforms and help more listeners get #FutureRichDownload 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.Advertising Inquiries: https://redcircle.com/brands

She's 64. Two kids out of the house. Working at a hospital in New York. And she has ONE question on her mind right now: how do I make the most of the next chapter financially?This week on Future Rich, Annie sits down with Barb to map out exactly that: how to optimize her retirement income, why paying taxes is a good thing in retirement, and why (despite being so close to retirement) now might NOT be the time to jump into real estate.If you're approaching retirement, or helping a parent think through theirs, this episode is packed with the kind of specific, practical advice you actually need. 🎙️Barb and Annie cover: 💰 How to optimize your retirement income 📋 Managing taxes once you're in retirement 🏠 Why real estate isn't always the smart moveIf 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 YouTubeFollow us on TikTokFollow us on InstagramVisit the Future Rich Podcast website for Financial Freebies and ClassesLeaving reviews on the podcast is the best way to boost us on the podcast platforms and help more listeners get #FutureRichDownload 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.Advertising Inquiries: https://redcircle.com/brands

In this week’s episode of Future Rich, Barbara Ginty, CFP, guides special guest Sarah through her current financial situation! Sarah is 40 years old and lives in Connecticut with her husband. She works in museums full-time, and he works in freelance Construction Management. From paying off student loans for undergrad, sorting out her husband’s visa and all the paperwork for his green card, living in Europe and moving back to the US, they’ve had several major financial moments. They discuss: Strategies for Sarah to optimize her savingsLife insuranceManaging variable incomeHow Sarah is on track to have $1.7M by the time she retires … 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 YouTubeFollow us on TikTokFollow us on InstagramVisit the Future Rich Podcast website for Financial Freebies and ClassesLeaving reviews on the podcast is the best way to boost us on the podcast platforms and help more listeners get #FutureRichDownload 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.Advertising Inquiries: https://redcircle.com/brands

Have you seen the latest 2026 Social Security Trustee report? CFP Barbara Ginty breaks it down in a digestible way, exploring its implications for future benefits, funding challenges, and potential reforms.She covers...Social Security funding and trust fundsImpact of demographic changes on Social SecurityPotential reforms and policy optionsRetirement planning and Social Security as a componentDisability benefits and their sustainabilityThis episode is a must-listen for anyone planning for retirement or interested in social security policy!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 YouTubeFollow us on TikTokFollow us on InstagramVisit the Future Rich Podcast website for Financial Freebies and ClassesLeaving reviews on the podcast is the best way to boost us on the podcast platforms and help more listeners get #FutureRichDownload 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.Advertising Inquiries: https://redcircle.com/brands

In this episode of Future Rich, CFP Barbara Ginty sits down with the lovely Michelle! She's 38, works in law, just recently got married, and is going through a ton of life transitions including planning a big international move to Europe. Michelle shares her journey to financial independence (before 40!). Find out how Michelle saved $1.7 million after being in $200K of student loan debt! Her strategic approach to debt repayment my surprise you! Here are some key topics from the episode: Michelle's path to financial independence and FIREDebt repayment strategies and refinancingEgg freezing as a financial and personal choiceTax planning for expatriates and international movesMarriage, prenups, and merging financesIf 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 YouTubeFollow us on TikTokFollow us on InstagramVisit the Future Rich Podcast website for Financial Freebies and ClassesLeaving reviews on the podcast is the best way to boost us on the podcast platforms and help more listeners get #FutureRichDownload 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.Advertising Inquiries: https://redcircle.com/brands

Barbara is back from her maternity leave and has A LOT to catch us up on! In this episode, Barbara shares her intense postpartum journey, including her birth experience, complications, and the importance of financial preparedness. *TRIGGER WARNING!* This episode discusses Barbara's traumatic birth experience. If you’re currently pregnant or are sensitive to medical and/or birth stories, we do not recommend this episode for you! This episode highlights:The realities of birth traumaMedical bills The value of planning ahead with an emergency fundHow important it is to have support and community 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 YouTubeFollow us on TikTokFollow us on InstagramVisit the Future Rich Podcast website for Financial Freebies and ClassesLeaving reviews on the podcast is the best way to boost us on the podcast platforms and help more listeners get #FutureRichDownload 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.Advertising Inquiries: https://redcircle.com/brands

This heartfelt and insightful follow-up episode of Future Rich is a little different than our regular programming. CFP Barbara Ginty is joined by a previous guest from episode 66 of the podcast, Gracy! She is 35 years old, lives in Nashville, TN, and is married with a three-year-old son. Gracy's husband was diagnosed with ALS the same year that their son was born, and the same year he graduated from Firefighter Academy. We're so thankful to Gracie for opening up and sharing her journey navigating the financial and emotional challenges that followed her husband's ALS diagnosis, and the incredible support she received from organizations like Tunnels to Towers. Barbara offers her insight on how to manage finances during a health crisis and what to prioritize. Her advice may surprise you. Click here to learn more about Tunnels to Towers.Click here for more info on ALS Legislation.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 YouTubeFollow us on TikTokFollow us on InstagramVisit the Future Rich Podcast website for Financial Freebies and ClassesLeaving reviews on the podcast is the best way to boost us on the podcast platforms and help more listeners get #FutureRichDownload 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.Advertising Inquiries: https://redcircle.com/brands

In this episode of Future Rich, we're joined by the lovely Jill! Jill lives in the NY metro area with her husband and three children. She shares her experiences working in corporate America right out of college, moving to New York from the Midwest, why she decided to step down from her career to become a full-time stay-at-home mom, and how she saved $750K in her Personal IRA. The conversation also touches on... The complexities of retirement planningThe role of financial advisorsThe need for financial literacy, especially for womenThe impact of social security on retirement planning... 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 YouTubeFollow us on TikTokFollow us on InstagramVisit the Future Rich Podcast website for Financial Freebies and ClassesLeaving reviews on the podcast is the best way to boost us on the podcast platforms and help more listeners get #FutureRichDownload 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.Advertising Inquiries: https://redcircle.com/brands

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 55The importance of maintaining a healthy balance between current living expenses and future savingsAnnie's impressive savings across various accountsHer upcoming expenses related to her moveAnnie'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!Subscriptions are FREE!Subscribe to our YouTubeFollow us on TikTokFollow us on InstagramVisit the Future Rich Podcast website for Financial Freebies and ClassesLeaving reviews on the podcast is the best way to boost us on the podcast platforms and help more listeners get #FutureRichDownload 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.Advertising Inquiries: https://redcircle.com/brands