Are you prepared to sidestep financial pitfalls in retirement? Join Ralph Estep, Jr., and learn how to break bad money habits and enjoy a blissful retirement.
In this episode of the Ask Ralph Podcast, host Ralph Estep, Jr., a financial professional with over 30 years of experience, discusses common financial missteps retirees often make and provides practical strategies to avoid them. The episode focuses on five key bad habits: splurging on travel, enabling adult children, carrying debt into retirement, supporting unhealthy adult relationships, and compulsive shopping. Ralph also offers actionable tips to manage these issues, emphasizing the importance of wise financial stewardship from a Christian perspective. Additionally, listeners are encouraged to join the podcast’s Facebook insider's group for continued discussion and support.
00:00 Introduction and Episode Overview
00:20 Welcome to the Ask Ralph Podcast
00:52 Motivational Monday and Show Announcements
01:15 The Importance of Avoiding Bad Money Habits
03:32 Bad Habit #1: Splurging on Travel
04:48 Bad Habit #2: Supporting Adult Children
06:25 Bad Habit #3: Carrying Debt into Retirement
08:33 Bad Habit #4: Supporting Unhealthy Adult Relationships
10:46 Bad Habit #5: Compulsive Shopping
13:08 Recap and Final Thoughts
If today’s episode encouraged you, we’d love to invite you to be part of something bigger — the Financially Confident Christian Community.
This is where faith and finances come together — a growing family of believers supporting one another, sharing encouragement, and helping spread God’s truth about money.
Your membership helps keep the show free for everyone while funding new devotionals, study guides, and outreach resources.
👉 Learn more and join the mission at financiallyconfidentchristian.com/join
Together, we’re helping believers everywhere break the cycle of financial shame and live with confidence in Christ. 🙏
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