Happy Friday Future Rich Fam! 💸

This week, we have an extra special episode with expert guests, Heather and Douglas Bonaparth!

Heather is the Director of Business and Legal Affairs at Bone Fide Wealth, LLC. She writes on love, money, family & fairness. She has written for CNBC, theSkimm, Insider, Scary Mommy, and more. Douglas is a CFP® and the President at Bone Fide Wealth, LLC. Douglas also serves on the advisory councils for CNBC and Investopedia. He has been featured in The New York Times, The Wall Street Journal, Barron’s, and more. 

Douglas and Heather co-authored Money Together, available wherever you buy books! Get more info here. [https://domoneytogether.com/?fbclid=PAZXh0bgNhZW0CMTEAc3J0YwZhcHBfaWQMMjU2MjgxMDQwNTU4AAGnCrddC2nPVr2OJseIUbrBM4C5KusTkST7iYKTW7o7CDt-k2ztLzZ9iA0GsZg_aem_xPyaIaOdZMS7eQQsZmL4rA&utm_content=link_in_bio&utm_medium=social&utm_source=ig] In Money Together, Heather and Douglas Boneparth help couples in every era of their lives approach money with greater fairness, sustainability, respect, and love. 

In this episode, Heather and Douglas talk about their personal path to working together, starting "The Joint Account" Newsletter, and writing Money Together.

They also discuss:

 * Redefining power in relationships
 * Why you don't have to take away power from your partner
 * Why personal growth is essential for career success
 * How gender still plays a crucial role in leadership dynamics
 * Why collaboration in relationships can lead to greater empowerment.
 * Why support systems are vital for professional growth
 * Why ambition should be embraced, not shamed



Follow Doug here. [https://www.instagram.com/dougboneparth/?hl=en-gb]

Follow Heather here. [https://www.instagram.com/averagejoelle/?hl=en-gb]

Subscribe to "The Joint Account" here. [https://www.readthejointaccount.com/]

This is our last episode of the 2025 season of Future Rich Podcast! Thank you all so much for listening over the years! We can't wait to be back in February 2026 with all new episodes!

If you'd like to be a guest on the podcast, we are looking specifically for women in their 50s and 60s 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 [https://www.futurerichpodcast.com/copy-of-contact]. 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! [https://futurerich.substack.com/]

We have free subscriptions and paid subscriptions. 



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Visit the Future Rich Podcast website [https://www.futurerichpodcast.com/] 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! [https://www.futurerichpodcast.com/copy-of-classes]



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 performan

308. Redefining Power: Navigating Finances in Relationships with Heather and Douglas Bonaparth

Happy Friday Future Rich Fam! 💸

This week, we're wrapping up the 2025 season of Future Rich Podcast! Thank you all so much for listening over the years! We can't wait to be back in February 2026 with all new episodes!

If you'd like to be a guest on the podcast, we are looking specifically for women in their 50s and 60s 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 [https://www.futurerichpodcast.com/copy-of-contact]. Let’s make it happen! ✨ #FutureRichPodcast

🔍 In this episode, Barbara also covers:

 * How IVF and egg freezing can be financially planned for and prioritized.
 * Why understanding insurance plans is crucial for managing healthcare costs.
 * Cash payments can sometimes be cheaper than using insurance.
 * Why planning for fertility treatments should be part of financial planning.



**All of our newsletters have moved to Substack, so subscribe if you want to keep in the loop with all things Future Rich! [https://futurerich.substack.com/]

We have free subscriptions and paid subscriptions. 



Subscribe to our YouTube [https://www.youtube.com/channel/UCZ7iMhDbpZ6Qtbi1HFCUA4g/featured]

Follow us on TikTok [https://www.tiktok.com/@futurerichpodcast]

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Visit the Future Rich Podcast website [https://www.futurerichpodcast.com/] 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! [https://www.futurerichpodcast.com/copy-of-classes]



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

307. The Cost of Egg Freezing and Season 9 Wrap!

Happy Friday Future Rich Fam! 💸

This week's solo episode is a little different as Barbara Ginty, CFP discusses her personal fertility journey with egg freezing and IVF.

If you haven't listened to episode #45 of the podcast [https://redcircle.com/shows/86f31ca4-f12a-4ebf-ace8-3bba5ce9f0f4], you should either before or after this episode so you can hear Barbara from six years ago discuss her journey in real time, including all of the nitty-gritty details! 

🔍 In this episode, Barbara also covers:

 * The importance of financial planning and maintaining a robust emergency fund during these expensive life phases
 * The benefits of 529 plans for saving for children's education
 * The evolving landscape of maternity and paternity leave policies



If you have any further questions on Barbara's fertility journey, DM us on Instagram (@futurerichpodcast) 💌

**All of our newsletters have moved to Substack, so subscribe if you want to keep in the loop with all things Future Rich! [https://futurerich.substack.com/]

We have free subscriptions and paid subscriptions. 

In the next season of Future Rich, we’re bringing you even more REAL guest stories about personal finance AND diving deeper into retirement planning, social security, and more.

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 [https://www.futurerichpodcast.com/copy-of-contact]. Let’s make it happen! ✨ #FutureRichPodcast



Subscribe to our YouTube [https://www.youtube.com/channel/UCZ7iMhDbpZ6Qtbi1HFCUA4g/featured]

Follow us on TikTok [https://www.tiktok.com/@futurerichpodcast]

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Visit the Future Rich Podcast website [https://www.futurerichpodcast.com/] 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! [https://www.futurerichpodcast.com/copy-of-classes]



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

306. Fertility and Finances from Freezing Eggs to Making Embryos

In this episode of Future Rich, host Barbara Ginty continues her conversation with Shelby, a 55-year-old government employee, about her financial situation, including income, expenses, retirement planning, and debt management. 

In this episode, Barbara gives Shelby some hard-to-hear, but necessary advice: her budget needs to get under control! Listen to learn what Barbara's tips are for Shelby to get started on paying off her debt effectively and why creating an emergency fund is essential for her financial security.

*This is part two of a two-part episode; part one aired on all major podcast platforms last Friday, 10/31.

*All of our newsletters have moved to Substack, so subscribe if you want to keep in the loop with all things Future Rich! [https://futurerich.substack.com/]

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 [https://www.futurerichpodcast.com/copy-of-contact]. Let’s make it happen! ✨ #FutureRichPodcast



Subscribe to our YouTube [https://www.youtube.com/channel/UCZ7iMhDbpZ6Qtbi1HFCUA4g/featured]

Follow us on TikTok [https://www.tiktok.com/@futurerichpodcast]

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Visit the Future Rich Podcast website [https://www.futurerichpodcast.com/] 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! [https://www.futurerichpodcast.com/copy-of-classes]

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

305 - Shelby Pt. 2 "You have to cut something!"

Happy Halloween!

In this episode of Future Rich, host Barbara Ginty speaks with Shelby, a 55-year-old government employee, about her financial situation, including income, expenses, retirement planning, and debt management. 

Shelby shares insights into...

 * Her family's financial habits
 * Her goal to get out of credit card debt
 * The importance of budgeting



*This is part one of a two-part episode; part two will be available on all major podcast platforms next Friday, 11/7.

*All of our newsletters have moved to Substack, so subscribe if you want to keep in the loop with all things Future Rich! [https://futurerich.substack.com/]

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 [https://www.futurerichpodcast.com/copy-of-contact]. Let’s make it happen! ✨ #FutureRichPodcast



Subscribe to our YouTube [https://www.youtube.com/channel/UCZ7iMhDbpZ6Qtbi1HFCUA4g/featured]

Follow us on TikTok [https://www.tiktok.com/@futurerichpodcast]

Follow us on Instagram [https://www.instagram.com/futurerichpodcast/]



Visit the Future Rich Podcast website [https://www.futurerichpodcast.com/] 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! [https://www.futurerichpodcast.com/copy-of-classes]

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

304. Shelby Pt. 1 "Getting Out of the Credit Card Debt Cycle"

In this episode of Future Rich, host Barbara Ginty speaks with Zoe, a 34-year-old mental health therapist living in Florida with her husband and their five-year-old daughter.

Barb provides Zoe with a plan to eliminate her credit card debt and offers her some advice on whether or not she should go back to school and take on more student loan debt with the potential to make more money in the future...

Listen to find out what Barb's advice is, it might suprise you!

*This is part two of a two-part episode; part one aired on October 17th!

*All of our newsletters have moved to Substack, so subscribe if you want to keep in the loop with all things Future Rich! [https://futurerich.substack.com/]

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 [https://www.futurerichpodcast.com/copy-of-contact]. Let’s make it happen! ✨ #FutureRichPodcast



Subscribe to our YouTube [https://www.youtube.com/channel/UCZ7iMhDbpZ6Qtbi1HFCUA4g/featured]

Follow us on TikTok [https://www.tiktok.com/@futurerichpodcast]

Follow us on Instagram [https://www.instagram.com/futurerichpodcast/]



Visit the Future Rich Podcast website [https://www.futurerichpodcast.com/] 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! [https://www.futurerichpodcast.com/copy-of-classes]

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

303. Zoe PT. 2 "How to Get Rid of Your Credit Card Debt"

In this episode of Future Rich, host Barbara Ginty speaks with Zoe, a 34-year-old mental health therapist living in Florida with her husband and their five-year-old daughter.

They discuss...

 * Zoe's income and business structure shifting from an LLC to an S-Corp
 * Credit Card Debt
 * Student Loan Debt
 * ... and more!



*This is part one of a two-part episode; part two will be available on all major podcast platforms next Friday, 10/24.

*All of our newsletters have moved to Substack, so subscribe if you want to keep in the loop with all things Future Rich! [https://futurerich.substack.com/]

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 [https://www.futurerichpodcast.com/copy-of-contact]. Let’s make it happen! ✨ #FutureRichPodcast



Subscribe to our YouTube [https://www.youtube.com/channel/UCZ7iMhDbpZ6Qtbi1HFCUA4g/featured]

Follow us on TikTok [https://www.tiktok.com/@futurerichpodcast]

Follow us on Instagram [https://www.instagram.com/futurerichpodcast/]



Visit the Future Rich Podcast website [https://www.futurerichpodcast.com/] 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! [https://www.futurerichpodcast.com/copy-of-classes]

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

302. Zoe PT. 1 "Student Loans Are Predatory!"

Happy Friday Future Rich Fam! 💸

This week, Barbara Ginty, CFP takes a deep dive into Buy Now Pay Later (BNPL).

🔍 In this episode Barbara Covers:

 * The definition of BNPL
 * Why BNPL is different from credit cards
 * The risks associated with using BNPL
 * The importance of using BNPL strategically
 * Upcoming changes in credit reporting that will affect users of BNPL
 * Whether or not she recommends BNPL



💡 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! [https://futurerich.substack.com/]

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 [https://www.futurerichpodcast.com/copy-of-contact]. Let’s make it happen! ✨ #FutureRichPodcast



Subscribe to our YouTube [https://www.youtube.com/channel/UCZ7iMhDbpZ6Qtbi1HFCUA4g/featured]

Follow us on TikTok [https://www.tiktok.com/@futurerichpodcast]

Follow us on Instagram [https://www.instagram.com/futurerichpodcast/]



Visit the Future Rich Podcast website [https://www.futurerichpodcast.com/] 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! [https://www.futurerichpodcast.com/copy-of-classes]



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

301. The Pros and Cons of Buy Now, Pay Later

In this episode of Future Rich, host Barbara Ginty speaks with Jane, a therapist with multiple income streams, about her impressive financial journey. Jane is 44 years old, lives with her partner, owns two different properties, and works one full-time job and two part-time jobs.

They discuss...

 * Using online mortgage calculators
 * When and if Jane should refinance her mortgages
 * Why you should ALWAYS have professionals double-check your finances 
 * Estate, trusts, and wills
 * Why Barb recommends a simple estate plan for Jane
 * Should Jane keep her full-time job?!



*This is part two of a two-part episode; part one aired last week! Please listen to that if you have not already, it's #299

*All of our newsletters have moved to Substack, so subscribe if you want to keep in the loop with all things Future Rich! [https://futurerich.substack.com/]

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 [https://www.futurerichpodcast.com/copy-of-contact]. Let’s make it happen! ✨ #FutureRichPodcast



Subscribe to our YouTube [https://www.youtube.com/channel/UCZ7iMhDbpZ6Qtbi1HFCUA4g/featured]

Follow us on TikTok [https://www.tiktok.com/@futurerichpodcast]

Follow us on Instagram [https://www.instagram.com/futurerichpodcast/]



Visit the Future Rich Podcast website [https://www.futurerichpodcast.com/] 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! [https://www.futurerichpodcast.com/copy-of-classes]

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

300. Jane Pt. 2 "Unchecked Mistakes Could Be Costing You Money!"

In this episode of Future Rich, host Barbara Ginty speaks with Jane, a therapist with multiple income streams, about her impressive financial journey. Jane is 44 years old, lives with her partner, owns two different properties, and works one full-time job and two part-time jobs.

They discuss...

 * Jane's gross income and tax implications as a business owner
 * Jane's aggressive savings strategies
 * Jane's goals for financial independence
 * ... and more!



*This is part one of a two-part episode; part two will be available on all major podcast platforms next Friday, 10/3.

*All of our newsletters have moved to Substack, so subscribe if you want to keep in the loop with all things Future Rich! [https://futurerich.substack.com/]

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 [https://www.futurerichpodcast.com/copy-of-contact]. Let’s make it happen! ✨ #FutureRichPodcast



Subscribe to our YouTube [https://www.youtube.com/channel/UCZ7iMhDbpZ6Qtbi1HFCUA4g/featured]

Follow us on TikTok [https://www.tiktok.com/@futurerichpodcast]

Follow us on Instagram [https://www.instagram.com/futurerichpodcast/]



Visit the Future Rich Podcast website [https://www.futurerichpodcast.com/] 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! [https://www.futurerichpodcast.com/copy-of-classes]

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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299. Jane Pt. 1 "Multiple Streams of Income and Saving $45K Per Year!"

By 2030, women will control more wealth than most countries' GDP, yet women still don't talk about money! Future Rich Podcast aims to change that! We are a female-hosted and female-focused podcast that covers all things money --  how it is spent, saved, and everything in between! Our host Barbara Ginty is a Certified Financial Planner with over a decade of experience. She is a true expert in the field of finances, managing over 100 million dollars. Her conversations go DEEP and give insight into the REAL finances of everyday women, along with various inspirational guests and financial experts! Listen in to hear about the dirty topic no one wants to talk about....money.

Barbara Ginty

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