Barbara Ginty

"Everyone is capable of building wealth, but it is best done by utilizing boring strategies and is not meant to be exciting!"

2K+

Instagram Followers

Ranked in top 10% of female advisors

Recognition

CFP

Certifications

accurate as of 05/15/2023

Biography:

Barbara Ginty is a Certified Financial Planner and the host of the “Future Rich” podcast. Each week on the show, Ginty interviews women about their finances and helps them develop a plan to achieve their goals. The podcast was selected by NextAdvisor as one of the 10 Best Finance Podcasts for 2021.

Ginty previously worked for Bloomberg and Credit Suisse, and is now the owner of a wealth management firm that caters to clients from all financial backgrounds and ages. In addition to one-on-one client meetings, she provides financial literacy classes and content online through her company, Planancial.

Ginty also teaches personal finance classes at SUNY Ulster.

Why She’s a Top Money Expert:

Through her podcasts and online courses, Ginty helps empower individuals to make smarter money decisions.

Q&A:

What’s the one piece of money advice you wish everyone would follow and why?

Everyone is capable of building wealth, but it is best done by utilizing boring strategies and is not meant to be exciting!

What’s the most important thing to do to build wealth?

Be intentional about your spending to make sure your money is actually helping you meet your financial goals. Automating your savings is an easy trick to help you stay on track.

What’s your best tip for fighting inflation?

Review your budget and see where you can make small adjustments to save money, and make sure your emergency fund is in a high-yield savings account to help you make money. One benefit of inflation is it has caused interest rates to go up, so now we have decent rates on high-yield savings accounts.

What’s the biggest mistake people make when it comes to money and what should they do instead?

Overspend on housing, whether that is rent or a mortgage. Before you sign for an apartment or buy a house, make sure you can actually afford it and the expenses that come with it. Houses are expensive. When it comes to buying a house, don’t forget insurance, taxes and a monthly contribution to an emergency fund for those unexpected home repairs. Spending too much on housing can detract from your other financial goals.