Shows
Financially Confident ChristianYour Daily Guide to Financial Freedom: Welcome to Ask RalphDiscover the transformative power of financial wisdom in the Ask Ralph Show trailer, where Ralph Estep Jr. combines biblical truth with practical advice to help you break free from the shackles of debt and financial stress. Ralph shares his journey through financial challenges, offering insights that resonate with anyone seeking clarity and purpose in their financial life. With a focus on real-world issues, the show tackles pressing questions like how to escape debt, build a God-honoring business, and achieve meaningful stewardship of resources. Join Ralph daily as he encourages you to measure twice and cut once, guiding you to...
2025-01-0303 min
Financially Confident ChristianWhat are 7 common traits of Americans who can never, ever, retire?Feeling worried about your retirement prospects? Wondering what habits might be preventing you from securing a comfortable retirement? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr., where he breaks down the seven common traits of Americans who can never ever retire and provides actionable steps to help you avoid these pitfalls. What Are the 7 Common Traits of Americans Who Can Never Retire? With Ralph Estep, Jr.In this episode of the Ask Ralph Show, host Ralph Estep Jr. uncovers the habits and financial mistakes that keep many Americans from ever retiring...
2024-09-3023 min
Financially Confident ChristianHow can I manage my anxiety by using my faith?Are you struggling with anxiety and searching for ways to manage it through your faith? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr., where he answers the powerful question, How Can I Manage My Anxiety by Using My Faith? Ralph shares faith-based strategies to help you overcome anxiety and find peace amidst life’s challenges, offering practical tips and spiritual insights to guide you toward a calmer, more centered life. How Can I Manage My Anxiety by Using My Faith? With Ralph Estep Jr.In this episode of the Ask Ralph Sh...
2024-09-2924 min
Financially Confident ChristianWhat steps can I take to avoid a tax time bomb in retirement?Ever wondered if your retirement savings are hiding a potential tax time bomb? In this episode of The Ask Ralph Show, Ralph Estep Jr. breaks down strategies to help you avoid unexpected tax surprises in retirement. Discover practical solutions to protect your savings and answer the critical question: What steps can I take to avoid a tax time bomb in retirement? Tune in now to safeguard your financial future! How to Prevent a Tax Time Bomb in Retirement? With Ralph Estep Jr.In this episode of the Ask Ralph Show, host Ralph Estep Jr. dives into the...
2024-09-2617 min
Financially Confident ChristianHow can I discuss pension income during the dating process?Ever wondered how to bring up pension income when dating later in life? In this episode of the Ask Ralph Show, "How Can I Discuss Pension Income During the Dating Process?", Ralph Estep Jr. provides practical tips on when and how to introduce the topic of pension income in new relationships. Tune in to learn how to approach this important conversation and build trust along the way. How to Discuss Pension Income in a New Relationship? With Ralph Estep Jr.In this episode of the Ask Ralph Show, host Ralph Estep Jr. explores the delicate topic of...
2024-09-2519 min
Financially Confident ChristianWhat are the top 7 debt collections scams to avoid?Are you receiving calls from debt collectors and wondering if they’re legitimate? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr., where he exposes the top 7 debt collection scams and provides practical advice on how to avoid falling victim to them. What Are the Top 7 Debt Collection Scams to Avoid? With Ralph Estep Jr.In this episode of the Ask Ralph Show, Ralph Estep Jr. delves into the most common debt collection scams targeting individuals today. He answers a listener’s question about how to spot fake debt collectors and offers seve...
2024-09-2423 min
Financially Confident ChristianHow do I live out my Christian Faith through my finances? Replay of my interview with Paul GrangerHow do you truly live out your Christian faith through your finances? Are you trusting God with your financial decisions, or are fear and control driving your choices? In this episode of the Ask Ralph Show, Ralph Estep Jr. and guest Paul Granger dive into the intersection of faith and finances, offering insights on how to balance spending, saving, and giving in a way that honors God's provision. Tune in to discover how aligning your finances with your faith can lead to deeper trust and true financial freedom. How do I live out my Christian Faith through my...
2024-09-211h 03
Financially Confident ChristianWhat happens to your debts after you die?Worried about how your debts will be handled after you pass away? Unsure what this means for your estate and loved ones? Tune in to Episode 262 of the Ask Ralph Show with Ralph Estep Jr. as he explores the crucial topic of debt management after death. What Happens to Your Debts After You Die? With Ralph Estep Jr.In this episode of the Ask Ralph Show, host Ralph Estep Jr. addresses the important issue of how your debts are managed once you are gone. He provides essential information on the process of handling debts post-mortem...
2024-09-1818 min
Financially Confident ChristianWhat are 9 reasons I should still write checks?Feeling unsure about the relevance of writing checks in a digital world? Wondering if they’re still a valuable tool for managing finances? Tune in to Episode 261 of the Ask Ralph Show with Ralph Estep Jr. as he uncovers why writing checks can still be an important financial practice. Why Should You Still Write Checks? With Ralph Estep Jr.In this episode of the Ask Ralph Show, host Ralph Estep Jr. addresses the question of why writing checks remains a relevant and effective financial practice. He outlines nine compelling reasons why checks are still valuable, drawing on re...
2024-09-1716 min
Financially Confident ChristianWhat are 5 regrets of Americans who called it quits too early by retiring?Have you ever wondered if you retired too early? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr. as he talks about early retirement. What are 5 regrets of Americans who called it quits too early by retiring? With Ralph Estep, Jr.In this episode of the Ask Ralph show, host Ralph Estep, Jr. delves into the common regrets of Americans who retire too early. He discusses financial strain, loss of purpose, boredom, strained relationships, and difficulty re-entering the workforce. Through the poignant story of a client named George, Ralph illustrates the realities...
2024-09-1421 min
Financially Confident ChristianIs life insurance taxable?Is life insurance taxable? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr. as he talks about taxes regarding life insurance. Is life insurance taxable? With Ralph Estep, Jr.In this episode of the Ask Ralph show, host Ralph Estep, Jr. addresses the question of whether life insurance payouts are taxable. Ralph explains that in most cases, life insurance proceeds are not taxable to the beneficiary, but there are exceptions. He underscores the importance of keeping beneficiaries informed and regularly updating policy details. Ralph shares personal stories to highlight the potential pitfalls...
2024-09-1214 min
Financially Confident ChristianWhat are 10 things that banks don’t want you to know which could cost you money?Have you ever wondered what secrets banks are keeping from you? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr. as he talks about bank secrets that could cost you money. What are 10 things that banks don’t want you to know which could cost you money? With Ralph Estep, Jr.In this episode of the Ask Ralph show, host Ralph Estep Jr. discusses a revealing article from a bank teller's perspective, exposing 10 secrets banks don't want customers to know. He covers topics such as the importance of reading the fine print, th...
2024-09-1119 min
Financially Confident ChristianHow do I avoid being the victim of a squishing scam?Have you ever received a QR code that seemed a little fishy? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr. as he talks about squishing scams. How do I avoid being the victim of a squishing scam? With Ralph Estep, Jr.In this episode of The Ask Ralph Show, host Ralph Estep, Jr. dives deep into the world of squishing scams, a devious type of fraud involving malicious QR codes designed to steal personal and financial information. Ralph shares real stories from victims like Tom and Jessica, who experienced severe financial...
2024-09-1016 min
Financially Confident ChristianHow do I live out my Christian calling?Are you struggling to find your true purpose in life? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr. as he shares wisdom on living out your Christian calling. How do I live out my Christian calling? With Ralph Estep, Jr.In this episode of the Ask Ralph show, host Ralph Estep, Jr. addresses the struggles of finding true purpose and the calling to a greater path despite the fear of leaving a comfortable job. Ralph reads a listener's question from Tomi, who faces a dilemma between her high-paying finance job and a...
2024-09-0819 min
Financially Confident ChristianWhat are 5 tips for choosing an insurance agent or broker?Have you ever wondered how to choose the right insurance agent or broker? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr. as he shares 5 tips for choosing an insurance agent or broker. What are 5 tips for choosing an insurance agent or broker? With Ralph Estep, Jr.In this episode of the Ask Ralph show, host Ralph Estep, Jr. examines the critical significance of selecting the right insurance agent or broker. He answers a listener's question about choosing a trustworthy agent and provides five essential tips for making an informed decision. Ralph...
2024-09-0717 min
Financially Confident ChristianWhat are 7 money mistakes made by those over 50?Are you over 50 and concerned about your financial future? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr. as he covers common money mistakes that people over 50 usually face. What are 7 money mistakes made by those over 50? With Ralph Estep, Jr.In this episode of the Ask Ralph show, host Ralph Estep, Jr. addresses the financial anxieties of those over 50 by identifying and providing solutions to 7 common money mistakes that can derail retirement plans. Ralph emphasizes the importance of having a diversified retirement plan, accurately estimating healthcare costs, avoiding new debt, setting...
2024-09-0622 min
Financially Confident ChristianWhat are 8 common reasons for getting audited by the IRS?Have you ever thought about what could cause an IRS audit? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr. as he discusses the topic of IRS audits. What are 8 common reasons for getting audited by the IRS? With Ralph Estep, Jr.In this episode of the Ask Ralph show, host Ralph Estep, Jr. addresses the anxiety-inducing topic of IRS audits. He starts by delving into a listener's question regarding audit concerns for small business owners. Ralph outlines the 8 most common IRS audit triggers, including unreported income, home office deductions, excessive business...
2024-09-0522 min
Financially Confident ChristianHow do I get my infant on the course to great credit?How can I help my newborn start off on the right financial path? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr. as he talks about giving your child the gift of excellent credit. How do I get my infant on the course to great credit? With Ralph Estep, Jr.In this episode of the Ask Ralph Show, host Ralph Estep, Jr. explores how to set up your newborn for financial success, emphasizing the importance of building and protecting their credit from an early age. Ralph answers a listener's question about starting...
2024-09-0421 min
Financially Confident ChristianDo I need a VPN and why is it so useful?Have you ever thought about how a VPN operates and why it's so important in today's online world? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr. as he talks about Virtual Private Networks. Do I need a VPN and why is it so useful? With Ralph Estep, Jr.In this enlightening episode of the Ask Ralph show, host Ralph Estep Jr. dives into the importance of Virtual Private Networks (VPNs) in safeguarding your online activities. Drawing from shocking real-life stories of cybercrime, Ralph explains how VPNs function as secure, encrypted tunnels...
2024-09-0318 min
Financially Confident ChristianWhat is your bank not telling you about using your debit card?Debit cards may seem like a responsible financial choice, but they could be leaving you vulnerable to devastating fraud and financial losses. In this episode of The Ask Ralph Show, host Ralph Estep, Jr. explores the hidden risks of using a debit card and provides essential strategies to protect your debit card. What is your bank not telling you about using your debit card? With Ralph Estep Jr.In this episode of The Ask Ralph Show, host Ralph Estep, Jr. shares a shocking story about a client who had their bank account drained due to debit card...
2024-09-0217 min
Financially Confident ChristianWhat are some ways I can learn to tame my tongue?Have you ever said something you instantly regretted? Do you struggle to control the words that come out of your mouth? Taming the tongue is a lifelong process, not a quick fix. In this episode of The Ask Ralph Show, host Ralph Estep, Jr. discuss the importance of taming one's tongue to build up others rather than tearing them down and what you should do to continually strive to improve. What are some ways I can learn to tame my tongue? With Ralph Estep, Jr.In this episode of the Ask Ralph show, host Ralph Estep Jr. di...
2024-09-0118 min
Financially Confident ChristianWhat are the specific things I should consider when buying a business?Have you thought about buying a business? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr. as he covers the key things to think about when buying a business. What are the specific things I should consider when buying a business? With Ralph Estep, Jr.In this episode of the Ask Ralph show, host Ralph Estep Jr. discusses the critical considerations one must evaluate when buying a business to avoid making costly mistakes driven by emotions. Through real-life stories of clients who faced financial ruin due to emotional decisions, Ralph highlights th...
2024-08-3119 min
Financially Confident ChristianWhat are the four types of student loans?Feeling overwhelmed by student loans? Unsure which loan option is the right choice for your future? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr. as he helps students navigate the confusing world of student loans. What are the four types of student loans? With Ralph Estep, Jr.In this episode of the Ask Ralph show, host Ralph Estep, Jr. addresses the concerns of students overwhelmed by the complexities of student loan options. He explains the differences between direct subsidized, direct unsubsidized, direct PLUS, and private student loans, emphasizing the benefits of...
2024-08-3018 min
Financially Confident ChristianHow do I prepare for an audit of my home office expenses?Ever worried that claiming a home office deduction could lead to an IRS audit? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr. as he tackles the question of whether taking a home office deduction might lead to an IRS audit. How do I prepare for an audit of my home office expenses? With Ralph Estep, Jr.In this episode of the Ask Ralph show, host Ralph Estep Jr. addresses the common concern of whether claiming home office deductions could trigger an IRS audit. Ralph offers practical advice on how to le...
2024-08-2914 min
Financially Confident ChristianWhy should I consider collecting social security benefits early?Have you thought about whether to start collecting Social Security benefits early? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr. as he explains the advantages and disadvantages of starting Social Security benefits early. Why should I consider collecting social security benefits early? With Ralph Estep, Jr.In this episode of the Ask Ralph show, host Ralph Estep, Jr. explores the critical decision of when to start collecting Social Security benefits. Ralph breaks down the pros and cons of claiming at age 62, full retirement age, or age 70, sharing compelling real-life stories of...
2024-08-2815 min
Financially Confident ChristianHave I become a virtual hermit?Are you using technology to build real connections, or is it becoming a way to avoid genuine human interaction? Have you ever spent hours scrolling through social media, only to feel even more disconnected? Or noticed that your online relationships just don’t have the same depth as in-person ones? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr. as he explores how technology impacts real human connections. Have I Become A Virtual Hermit? With Ralph Estep, Jr.In this episode of the Ask Ralph show, host Ralph Estep, Jr. delves into th...
2024-08-2715 min
Financially Confident ChristianHow does my retirement balance compare to other people of my same age?Are you struggling to keep up with your retirement savings? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr. as he dives into the important topic of saving for retirement. How Does My Retirement Balance Compare to Other People of My Same Age? With Ralph Estep, Jr.In this episode of the 'Ask Ralph' show, host Ralph Estep Jr. delves into the critical topic of retirement savings. The discussion is sparked by a question from a listener named Debbie, who, at 45 years old, is worried about her lack of retirement savings. Ralph...
2024-08-2616 min
Financially Confident ChristianWhat are the 7 documents I should always keep?Have you ever thought about which important documents you should always have ready? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr. as he talks about why it's crucial to organize and secure important documents for financial emergencies. What Are The 7 Documents I Should Always Keep? With Ralph Estep, Jr.In this episode of The Ask Ralph Show, host Ralph Estep, Jr. discusses the importance of organizing and securing essential documents for financial emergencies. Ralph outlines seven important documents everyone should keep: Last Will and Testament, Power of Attorney, Healthcare Proxy or...
2024-08-2414 min
Financially Confident ChristianWhere should you pull money from first in retirement to optimize your taxes?How can you strategically order your retirement withdrawals to optimize your taxes? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr. as he talks about different strategies to maximize your retirement savings! Where should you pull money from first in retirement to optimize your taxes? with Ralph Estep Jr.In today's episode of The Ask Ralph Show, host Ralph Estep, Jr. shares valuable strategies to help you keep more of your retirement savings by reducing your tax burden. Ralph provides practical tips on where to withdraw money from first, how to use...
2024-08-2214 min
Financially Confident ChristianWhat are some essential money management tips for individuals as well as business owners?Have you ever thought about whether there's a special trick to handling money in your personal life and as a business owner? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr. as he talks about cash flow management in small businesses. What Are Some Essential Money Management Tips For Individuals As Well As Business Owners? With Ralph Estep, Jr.In this episode of The Ask Ralph Show, host Ralph Estep, Jr. explores both traditional and unconventional methods for managing finances effectively. Ralph answers a listener's question about cash flow management in small...
2024-08-2118 min
Financially Confident ChristianHow do I handle getting audited by the IRS?Are you dreading the thought of an IRS audit? Feeling overwhelmed and unsure of what to do? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he tackles the nerve-wracking topic of IRS audits head-on.How Do I Handle Getting Audited by the IRS? With Ralph Estep, Jr.In this episode of The Ask Ralph Show, Ralph Estep Jr. discusses how to handle an IRS audit. He provides key advice, stating that listeners should not panic, as an audit does not automatically mean they have done something wrong. He...
2024-08-0113 min
Financially Confident ChristianWhat are seven financial perks of maintaining great credit?Are you tired of feeling stuck in a financial rut, unable to improve your credit score no matter what you do? Discover the hidden power of great credit and how it can transform your financial life, opening doors and saving you thousands of dollars. Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he talks about the power of great credit and how it can transform one's financial life.What Are Seven FInancial Perks of Maintaining Great Credit? With Ralph Estep, Jr.In this episode of The Ask Ralph...
2024-07-3114 min
Financially Confident ChristianHow can I protect myself from identity theft online?Are you concerned about the safety of your personal information online? Do you want to learn how to protect your digital identity while honoring your faith? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he provides practical advice and biblical wisdom on online security.How Can Christians Protect Their Online Identity? with Ralph Estep Jr.In this episode of the Ask Ralph Podcast, host Ralph Estep Jr. talks about online identity protection from a Christian view. Ralph offers practical steps and biblical insights to help you keep your...
2024-07-3014 min
Financially Confident ChristianHow do I manage poverty, wealth, and material needs with a heavenly mindset?Are you struggling to balance your financial needs with your spiritual life? Are you wondering how to manage wealth or poverty while keeping your eyes on heaven? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he dives into this crucial topic. Managing Wealth and Faith with a heavenly mindset: Is It Wrong for Christians to Be Wealthy? with Ralph Estep Jr.In this episode of the Ask Ralph Podcast, host Ralph Estep Jr. addresses a critical question: Is it wrong for a Christian to be wealthy? Ralph explores...
2024-07-2815 min
Financially Confident ChristianHow do I get started walking for fitness – a great interview with David Paul and his daily podcast “Walking is Fitness”Do you feel like you're stuck in a fitness rut or struggling to find a cost-effective way to stay healthy? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he discusses the multifaceted benefits of walking with podcaster David Paul. Can Walking Improve Both Your Health and Finances? with Ralph Estep Jr. and Dave PaulIn this episode of the Ask Ralph Podcast, host Ralph Estep Jr. chats with Dave Paul from the "Walking is Fitness" podcast. They explore the fascinating links between fitness and finances, showing how a...
2024-07-2744 min
Financially Confident ChristianWhat are the 401K beneficiary rules I need to know and make sure I am aware of when managing my retirement accounts?Understanding 401Ks and retirement accounts can be really confusing. Are you sure your savings will go to your loved ones? What steps do you need to take to make sure your family is taken care of? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he discusses rules for 401K and retirement account beneficiaries. What Are the 401k Beneficiary Rules I Need to Know and Make Sure I Am Aware of When Managing My Retirement Accounts? With Ralph Estep, Jr.In this episode of The Ask Ralph Show, Ra...
2024-07-2610 min
Financially Confident ChristianHow do I reduce my taxes when I take money from my 401K or other retirement account?Feeling stressed about the taxes on your 401K withdrawals and their effect on your retirement? Listen to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he shares tips to lower taxes on your retirement withdrawals. How do I reduce my taxes when I take money from my 401K or other retirement account? with Ralph Estep Jr.How Can I Lower My Taxes When Withdrawing from My 401K? with Ralph Estep Jr.In this episode of the Ask Ralph Podcast, host Ralph Estep Jr. answers a listener's question about minimizing taxes on 401...
2024-07-2512 min
Financially Confident ChristianHow do I make sure I’m not filing a false tax return with the IRS?Do you ever find yourself torn between taking easy shortcuts and staying honest when filing taxes? Listen to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he shares tips on filing taxes truthfully and steering clear of IRS issues. How to not file a false return and File Taxes Honestly and Avoid IRS Trouble? with Ralph Estep Jr.In this episode of the Ask Ralph Podcast, host Ralph Estep Jr. dives into the world of taxes. He shares how to file taxes honestly and ethically while steering clear of those tempting...
2024-07-2410 min
Financially Confident ChristianWhat are some faith-based investing principles and tools I can use to grow my investments and maintain my faith?Have you ever wondered if you can grow your investments while staying true to your Christian faith? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he discusses faith-based investing principles and tools to help you align your financial decisions with your beliefs.What are some faith-based investing principles and tools I can use to grow my investments and maintain my faith? with Ralph Estep Jr.In this episode of the Ask Ralph Podcast, host Ralph Estep Jr. addresses the concerns of a listener who wants to invest in...
2024-07-2312 min
Financially Confident ChristianHow do I evaluate my life insurance needs? How much life insurance do I really need?How do you evaluate your life insurance needs? Are you confused about the differences between term and whole-life policies? Life insurance is a crucial safety net for our future. It allows us to have peace of mind regarding the financial needs of our loved ones. However, understanding its process and why you need it can be a struggle. In this episode of the Ask Ralph Podcast with Ralph Estep Jr., we explore the world of life insurance and address the common frustrations and questions that plague many families. How do I evaluate my life insurance needs? How m...
2024-07-1312 min
Financially Confident ChristianWhat are the 10 secret savings rules which they didn’t teach you in school?Do you ever feel like you should have learned some key money management skills back in school? Are you frustrated by how quickly your paycheck seems to vanish, leaving little to nothing for savings? Many of us struggle with the same issue—wondering where our money goes and how we can stash away more of it. This episode of the Ask Ralph Podcast with Ralph Estep Jr. shares 10 secret savings rules they didn’t teach you in school. How Can Unusual Money-Saving Tactics Boost Your Bank Account? With Ralph Estep, Jr.In Episode 192 of the Ask Ralph Podcas...
2024-07-1014 min
Financially Confident ChristianWhat are some apps I can use to rebuild my credit?Are you struggling with a low credit score that feels like an insurmountable obstacle? Have you ever felt overwhelmed by the power those three little numbers hold over your financial future? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he discusses credit repair apps and strategies for rebuilding credit. What Are Some Apps I Can Use to Rebuild My Credit? with Ralph Estep Jr.In this Technology Tuesday edition of the Ask Ralph Show, host Ralph Estep Jr. talks about credit repair apps and strategies for rebuilding credit. He addresses...
2024-07-0912 min
Financially Confident ChristianWhat are the ten money habits which are hurting my relationships?Are money issues straining your relationships? You're not alone. From financial infidelity to impulsive spending, these destructive patterns are silently eroding trust and intimacy in households across America. But what if there was a way to turn this around? This episode of the Ask Ralph Podcast with Ralph Estep Jr. delves into the thorny intersection of finances and relationships, exposing the 10 most damaging money habits that can tear couples apart. How Can Properly Managing Your Finances Help Strengthen Your Marriage? With Ralph Estep, Jr.In Episode 190 of the Ask Ralph Podcast, host Ralph Estep Jr. shares personal s...
2024-07-0814 min
Financially Confident ChristianHow can I make work and career decisions according to Gods will?Are you struggling to navigate your career path while staying true to your faith? Are you torn between pursuing professional success and honoring God's will for your life? Many Christians grapple with these questions, trying to figure out how to balance their ambitions with their spiritual convictions. This episode of the Ask Ralph Podcast with Ralph Estep Jr. tackles the challenge of making work and career decisions from a Christian perspective. How Can You Navigate Career Decisions as a Christian and according to Gods will? With Ralph Estep, Jr.In Episode 189 of the Ask Ralph Podcast, host...
2024-07-0708 min
Financially Confident ChristianHow do I payoff a debt in collections?Are you drowning in debt, dreading every phone call for fear it's another relentless collector? Do you feel trapped in a financial nightmare with no way out? If so, you're not alone. Debt in collections can cast a dark shadow over your life, leaving you stressed, overwhelmed, and questioning your financial future. This episode of the Ask Ralph Podcast with Ralph Estep Jr. will help you break free from this cycle and start rebuilding your credit—all while staying true to your faith. Are You Ready to Break the Chains of Debt? A Christian's Guide to Handling De...
2024-07-0612 min
Financially Confident ChristianIs it safe to invest in precious metal IRAs?Are you frustrated by the stock market's ups and downs and looking for a more stable investment for your retirement? Imagine retiring with a nest egg made of solid gold or silver, immune to the whims of the stock market. Sounds ideal, doesn't it? With the allure of precious metals, IRAs are undeniable—promising stability and a hedge against inflation. But are they as foolproof as they seem? This episode of the Ask Ralph Podcast with Ralph Estep Jr. explores a controversial option that promises stability - precious metals IRAs. What are the Pros and Cons of Precious Metal IRAs...
2024-07-0511 min
Financially Confident ChristianHow do I handle taxes when I work in multiple states?You may be tired of dealing with multi-state tax compliance. If you are under the threat of double taxation and penalties, it can be a severe headache. Crossing state lines when working is a sure trainwreck of taxes gone wrong. This episode of the Ask Ralph Podcast with Ralph Estep Jr. is here to untangle your web of multi-state tax obligations. How do you navigate multi-state taxes to avoid double taxation and penalties? With Ralph Estep, Jr.In Episode 186 of the Ask Ralph Podcast, with your host Ralph Estep Jr., you will hear how to stay out...
2024-07-0413 min
Financially Confident ChristianIs my side hustle actually illegal?Side gigs and side businesses have become increasingly popular ways to earn extra income. However, many entrepreneurs still need to know the complex web of local laws and regulations governing these operations. Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he shares how seemingly harmless side businesses can unwittingly break the law. Is Your Side Hustle Actually Illegal? With Ralph Estep, Jr.In Episode 185 of the Ask Ralph Podcast, Ralph Estep Jr. discusses the legal complexities of operating side hustles, particularly ride-sharing services like Uber and Lyft. They highlight the im...
2024-07-0312 min
Financially Confident ChristianShould I get a no credit check or other online loan?When financial pressures mount and your balance is dwindling, what's your next move? You might think about getting a fast online loan. But, are no credit check loans and payday loans really smart choices, or are they traps? Should we ever consider such online loans as feasible options? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he explore their benefits, risks, and other alternatives. Should I Get a No Credit Check or Other Online Loan? with Ralph Estep Jr.In this episode of the Ask Ralph Podcast, host Ralph Estep...
2024-07-0215 min
Financially Confident ChristianWhat is a home warranty and should I have one?Are you tired of worrying about expensive home repairs and replacements that could cost thousands of dollars? Have you ever wondered if there was a way to get peace of mind when owning a home? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr., as he will discuss how home warranties can help protect your budget from the unexpected costs of homeownership. What Is A Home Warranty, And Should You Purchase One? With Ralph Estep, Jr.In Episode 183 of the Ask Ralph Podcast, Ralph Estep Jr. dives into how home warranties can he...
2024-07-0114 min
Financially Confident ChristianHow do I become debt free through Godly wisdom and discipline?Are you drowning in debt and feeling like there's no way out? You're not alone - many people feel overwhelmed by their debt load, and getting ahead is impossible. But there is hope! How do you become debt free through Godly wisdom and discipline? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he shares how he discovered practical, biblical principles to help you break free from debt bondage. What Role Do Faith, Wisdom And Discipline Play In Achieving Financial Freedom? with Ralph Estep, Jr. How do I become debt free through Godly...
2024-06-3010 min
Financially Confident ChristianWhat should I keep in my safe deposit box? Do I even need one?Are your most precious possessions safe? Do you worry about losing important documents like your will or property deeds in a disaster? Should you keep it in your safe deposit box? Do you even need one? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he delves into the pros and cons of using safe deposit boxes to protect your most important possessions. Where Should You Keep Irreplaceable Documents and Heirlooms from Harm's Way? with Ralph Estep, Jr. What should I keep in my safe deposit box?In this episode of...
2024-06-2910 min
Financially Confident ChristianWhat do I do when I inherit property with someone else?Inheriting a property with someone else, such as a sibling or co-owner, can be an emotionally charged situation rife with potential problems, pains, and frustrations. Managing shared inheritance involves navigating complex legal and family dynamics - but it doesn't have to result in conflict if you take the right approach. In this episode, Ralph Estep Jr. shares 8 essential steps to handling an inherited property with grace and wisdom. Discover proven techniques for avoiding disputes and ensuring a fair outcome for everybody involved. What do I do when I inherit property with someone else? With Ralph Estep, Jr....
2024-06-2811 min
Financially Confident ChristianHow can you manage unexpected expenses without getting trapped in a debt cycle?Are you tired of living paycheck to paycheck and want more financial freedom but don't know how to get extra cash without falling into a debt trap? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he offers great options to avoid high-interest personal loans and manage unexpected expenses without getting trapped in debt. Need Cash Fast? 5 Better Options Than Personal Loans with Ralph Estep, Jr.In this episode of the Ask Ralph Podcast, host Ralph Estep Jr. offers great options to avoid high-interest personal loans and manage unexpected expenses without g...
2024-06-2610 min
Financially Confident ChristianWhat is an ETF and is it a safe investment for me?Have you ever wondered what an ETF is and if it's a safe investment for your portfolio? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he explains all about this common type of investment and explores how it aligns with your financial goals and Christian values. What is an ETF and is it a safe investment for me? with Ralph Estep Jr.In this episode of the Ask Ralph Podcast, host Ralph Estep Jr. talks about Exchange-Traded Funds (ETFs). He explains the advantages of ETFs, such as diversification and liquidity...
2024-06-2510 min
Financially Confident ChristianAre Credit Counseling Services Really a Scam or Do They Help People in Debt?When you're overwhelmed by debt, credit counseling services can seem like a lifeline. But how do you know if they're legitimate or just another scam? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he explores the truth behind credit counseling services.Are Credit Counseling Services Really a Scam or Do They Help People in Debt? with Ralph Estep Jr.In this episode, Ralph Estep Jr. dives deep into the world of credit counseling services. Are they a legitimate way to get out of debt, or are they just...
2024-06-2411 min
Financially Confident ChristianHow Can Small Business Owners Increase Their Company's Value?Are you a small business owner feeling stuck and unsure of how to increase the value of your business? Do you find yourself overwhelmed by the day-to-day tasks and unable to step back from operations? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. and guest David Chudyk, as they discuss the challenges many entrepreneurs face when it comes to growing their business value. How Can Small Business Owners Increase Their Company's Value? With David Chudyk & Ralph Estep, Jr.In this episode of the Ask Ralph Podcast, host Ralph Estep J...
2024-06-2238 min
Financially Confident ChristianShould You Put Money Down on Your Next Car Purchase?When deciding on a car purchase, have you ever felt torn between making the financially optimal choice and the option that would give you the most peace of mind? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he discusses whether to make a down payment on your next car purchase. Should You Put Money Down on Your Next Car Purchase? with Ralph Estep, Jr.In this episode of the Ask Ralph Podcast, host Ralph Estep Jr. discusses the dilemmas of car buying, specifically whether to make a down...
2024-06-2112 min
Financially Confident ChristianWhat Really Happens If You Cheat on Your Taxes?Have you ever been tempted to cut corners on your taxes? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he discusses common tax evasion methods, how the IRS catches tax cheats, and the severe penalties for intentional tax fraud to encourage listeners to file their taxes honestly and with integrity. What Really Happens If You Cheat on Your Taxes? with Ralph Estep, Jr.In this episode of the Ask Ralph Podcast, host Ralph Estep Jr. discusses the temptation to cut corners on taxes. He explains how easy it i...
2024-06-2019 min
Financially Confident ChristianAre You Prepared for the Unexpected Expenses of Maintaining a Home?Imagine you finally get your dream house. You got approved for a mortgage, signed all the papers, and now you have the keys in your hand. But wait, is owning a house really that easy? What about all those extra costs that might pop up unexpectedly? Well, in this episode of the Ask Ralph podcast, Ralph Estep Jr. is going to talk about all those hidden costs that can surprise new homeowners.How Can You Budget for Unforeseen Expenses and Protect Your Finances as a Homeowner? With Ralph Estep, Jr.In this episode of the "...
2024-06-1914 min
Financially Confident ChristianHow FDIC Insurance Protects Your Bank Deposits?Have you taken the time to verify that your bank accounts are fully covered by FDIC insurance? What steps would you need to take if your deposits exceeded the $250,000 insurance limit? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he discusses the important but often overlooked topic of FDIC insurance and its crucial role in protecting depositors' money in the event of bank failures. How FDIC Insurance Protects Your Bank Deposits with Ralph Estep, Jr.In this episode of the Ask Ralph Podcast, host Ralph Estep Jr. discusses t...
2024-06-1813 min
Financially Confident ChristianHow to Navigate Credit Card Offers Wisely and Avoid Common TrapsHave you ever been enticed by a credit card offer that seemed too good to be true? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he dives into the world of credit card perks, helping you separate the blessings from the burdens. Discover how to maximize credit card benefits while avoiding the pitfalls that can lead to debt and stress. Learn practical tips to use credit cards wisely, and take control of your financial future.Credit Card Confessions: Unveiling the Perks and Avoiding the Pitfalls with Ralph Estep Jr.
2024-06-1709 min
Financially Confident ChristianHow to Prepare for a Fear-Free Retirement with Practical and Spiritual GuidanceDoes the thought of retirement fill you with excitement or dread? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he addresses common fears retirees face, such as outliving savings, healthcare costs, inflation, and loss of purpose. Learn how to overcome these fears with faith-based guidance and practical financial strategies.Overcoming the Fear of Retirement with Ralph Estep, Jr.In this episode of the Ask Ralph Podcast, host Ralph Estep Jr. discusses the significance of addressing the fear of retirement. He covers the common worries retirees face; outliving savings...
2024-06-1611 min
Financially Confident ChristianWhat Do I Do When My Car Lease Ends?Are you confused about what to do when your car lease ends? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he addresses the common dilemma faced by many: what do I do when my car lease ends, should you turn in your leased car, buy it, or lease another one? Ralph discusses the pros and cons of each option, providing valuable insights to help you make the best decision.What to Do When My Lease Ends with Ralph Estep, Jr.In this episode of the Ask Ralph Podcast...
2024-06-1512 min
Financially Confident ChristianHow go I get my adult children to leave the nest?Do you have grown kids living at home and you're finding it challenging? Want to help them move out and become independent but not sure how to do it in a kind and supportive way? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he explores 10 practical yet biblically grounded strategies to help your adult kids spread their wings and leave the nest. When It's Time to Let Go: Nurturing Self-Sufficiency and Independence in Your Maturing Children with Ralph Estep, Jr.In this episode of the Ask Ralph Podcast, h...
2024-06-1411 min
Financially Confident ChristianWhat are Required Minimum Distributions or RMDs?Are you confused about Required Minimum Distributions and how to manage them effectively in retirement? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he addresses common problems retirees face regarding RMDs, such as heavy tax penalties for non-compliance and uncertainty around minimizing taxes. Navigating RMDs for a Stress-Free Retirement with Ralph Estep, Jr.In this episode of the Ask Ralph Podcast, host Ralph Estep Jr. discusses the significance of comprehending and managing Required Minimum Distributions (RMDs) in retirement. He covers the current changes to RMD regulations, the government's i...
2024-06-1312 min
Financially Confident ChristianCould AI in Lending Hurt Your Chances of getting a loan?Want to know how AI is changing the way lending works? Curious about the effects of algorithms assessing your creditworthiness? Join Ralph Estep Jr. in this episode of the Ask Ralph Podcast as he explores the intersection of AI and lending and the balance between technology and human empathy.Technology, Human Touch, and Christian Principles: AI and Human Judgment in Lending with Ralph Estep JrIn this episode of the Ask Ralph Podcast, host Ralph Estep Jr. discusses the impact of AI on lending. He emphasizes the importance of balancing technological advancements with the human...
2024-06-1210 min
Financially Confident ChristianSetting Limits on Smartphone Use to Help Children Thrive in a Digital WorldAre your kids addicted to using their smartphones? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he discusses concerns that excessive smartphone use can negatively impact children's development. The Alarming Effects of Smartphone Overuse on Children with Ralph Estep, Jr.In this episode of the Ask Ralph Podcast, host Ralph Estep Jr. raises concerns about how much children's lives revolve around screens in today's digital world. discusses how smartphones may be negatively impacting children's attention spans, sleep, and even leading to addiction. With dopamine releases from notifications and l...
2024-06-1109 min
Financially Confident ChristianDebt Free: Bankruptcy And Debt Management To Overcome Your Financial BurdenAre you drowning in debt with no end in sight? Do collection calls have you constantly stressed? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he discusses the complex world of debt management and bankruptcy. Navigating Debt: Debt Relief Options Explained with Ralph Estep, Jr.In this episode of the Ask Ralph Podcast, host Ralph Estep Jr. talks about the complex world of debt management and bankruptcy. He explores options that could help relieve your financial burdens, such as debt management programs and credit counseling. Ralph also explains t...
2024-06-1017 min
Financially Confident ChristianHow to Overcome Guilt and Find Spiritual FreedomAre you tired of feeling weighed down by the guilt of past financial mistakes? Fed up with the sleepless nights spent worrying about debt and how to get your finances back on track? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he shares how you can break free from guilt's heavy burden and start moving forward with confidence. Break Free from Financial Guilt with Ralph Estep, Jr.In this episode of the Ask Ralph Podcast, host Ralph Estep Jr. discusses the difference between guilt and conviction - and h...
2024-06-0909 min
Financially Confident ChristianAchieving Your Financial Goals Through Intentional BudgetingAre you tired of feeling like you're just treading water with your finances, working hard but never making progress? Do you find yourself constantly reacting to unexpected expenses instead of being in the driver's seat? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he shares the 5 main purposes of budgeting that go far beyond just tracking expenses. Gaining Clarity, Achieving Your Goals, and Finding Peace: Utilizing the Power of Budgeting with Ralph Estep, Jr.In this episode of the Ask Ralph Podcast, host Ralph Estep Jr. talks about t...
2024-06-0712 min
Financially Confident ChristianStay Out of Trouble with the IRS: Penalty Prevention TipsAre you tired of tax season stress and surprises? Do the words "IRS penalties" keep you up at night? Tune in to this Tax Talk Thursday episode with Ralph Estep Jr. as he reveals the most common penalty pitfalls taxpayers face - and shares how to avoid them. Proactive Tax Planning: Avoid IRS Penalties with Ralph Estep, Jr.In this episode of Tax Talk Thursday, host Ralph Estep Jr. delves into the stressful world of tax season and IRS penalties. Ralph reveals the most common penalty pitfalls taxpayers face and shares essential strategies to avoid t...
2024-06-0611 min
Financially Confident ChristianBalancing Fame and Faith: The Journey of an InfluencerAre influencer dreams too good to be true? What is the dark reality behind the so-called desirable career? Join Ralph Estep, Jr. as he peels back the curtain to reveal the influencer world's enticing promises and hidden challenges. Behind the Social Media Curtain: The Realities of Life as an Online Influencer With Ralph Estep, Jr.In this episode of the Ask Ralph Podcast, host Ralph Estep, Jr. discusses the unknown aspects of being an online influencer, such as combining status with Christian principles and priorities. He acknowledges the hurdles and expectations while actionable tactics for na...
2024-06-0416 min
Financially Confident ChristianFrom Grief to Guidance: Managing an Inherited PropertyDealing with inheriting a house from a loved one can be an overwhelming process filled with emotions and uncertainties. Join Ralph Estep, Jr., and learn to navigate your emotions of grief to manage your inherited property.Be Guided Through Grief: Manage Your Inherited Property With Ralph Estep, Jr.In this episode of the Ask Ralph Podcast, host Ralph Estep, Jr. discusses practical techniques and advice for bringing clarity and calm to managing inherited property. You'll learn about the emotional hurdles that many people experience, as well as examples of families who overcame inheritance obstacles by...
2024-06-0316 min
Financially Confident ChristianExcellence as Worship: Aligning Life with God's StandardsAre you striving for excellence in all areas of your life? Join Ralph Estep, Jr., and learn to strive for excellence and praise our Almighty God. Realign Your Life: Show Excellence in Work, Relationships, and Stewardship To Worship God With Ralph Estep, Jr.In this episode of the Ask Ralph Podcast, host Ralph Estep, Jr. will discuss the value of achieving excellence in all aspects of life as an act of worship, aligning with God's standards based on love for Him and others. Ralph will discuss how you can excel in these three areas of y...
2024-06-0211 min
Financially Confident ChristianAvoiding Financial Pitfalls in RetirementAre 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.Avoiding Financial Pitfalls in Retirement: Insights from Ralph Estep, Jr.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...
2024-05-2717 min
Financially Confident ChristianFaithful Finances: Managing Money with a Mission my interview with Whitney Owens from the Wise Practice PodcastA behind-the-scenes look at my conversation with Whitney Owens, talking faith, finances, and finding purpose in our professions. It’s moments like these that remind us of the impact of our mission. Join Ralph Estep, Jr., as he discusses managing money with a mission.Navigating Finances with Faith: An Interview with Ralph Estep Jr.In this episode of the Wise Practice Podcast, Whitney Owens interviews Ralph Estep Jr., an experienced accountant, author, and farmer. They discuss the integration of faith in financial practices, practical advice for Christian business owners, and the importance of stewardship. Ralph sh...
2024-05-2528 min
Financially Confident ChristianFinancial Wisdom: Understanding Quarterly Tax Payments and Safe Harbor RulesMaster the Art of Quarterly Tax Payments and avoid penalties! Join Ralph Estep, Jr., as he dives into the complexities of quarterly tax payments as he demystifies the process and shares personal insights.Mastering Quarterly Tax Estimates with Ralph Estep, Jr.In this episode of the Ask Ralph Podcast, financial expert Ralph Estep, Jr. demystifies the complexities of quarterly tax payments. Ralph provides insights on safe harbor guidelines, the importance of accurate estimating, and how to avoid IRS penalties. He shares his personal story of dealing with tax obligations as a budding entrepreneur and offers...
2024-05-2316 min
Financially Confident ChristianTech Talk: Exploring Accessibility OptionsStruggling to see small text on your phone or tablet? Join Ralph Estep, Jr., as he explores how accessibility settings can transform your tech experience. In Exploring Accessibility Options Ralph gives you tips on adjusting settings for better visibility, control access, and audio clarity. Start optimizing your devices today!Unlocking Accessibility: Making Technology Work for YouIn this episode of the Ask Ralph Podcast, host Ralph Estep, Jr. discusses the importance of accessibility features on modern devices. He begins by addressing common frustrations such as small text, hard-to-use controls, and low audio levels. Ralph highlights...
2024-05-2113 min
Financially Confident ChristianBalancing Business and Marriage: Practical Insights for Christian EntrepreneursNeed tips on balancing business growth with a healthy marriage? Join Ralph Estep, Jr., as he dives into real-world experiences and biblical insights and how to cherish and grow your marriage as well as your business.Balancing Business and Marriage: Practical Steps from Ask RalphIn this episode of the Ask Ralph Podcast, host Ralph Estep, Jr. discusses the challenging balance between entrepreneurial pursuits and maintaining a healthy marriage. Drawing on biblical insights and personal experiences, Ralph provides actionable steps to help Christian entrepreneurs nourish both their business and family life. Key topics include scheduling...
2024-05-2017 min
Financially Confident ChristianThe Power of Calming the Storm Within: Lessons from Mark 4Struggling to find peace in the midst of life's storms? Join Ralph Estep Jr., in our spiritual Sunday show where we delve into the power calming of the storm in Mark 4. Learn how to lean into Jesus' peace and weather any trial with confidence.Navigating Life's Storms with Faith and Financial WisdomIn this episode of the Ask Ralph Podcast, host Ralph Estep, Jr. addresses how to weather life's sudden crises and find peace through faith in Jesus. Drawing on the story of Jesus calming the storm in Mark 4, Ralph discusses how these challenges reveal...
2024-05-1910 min
Financially Confident ChristianHandling Retirement Savings During Job ChangesAre you changing jobs soon? Wondering what to do with your retirement savings? Join Ralph Estep, Jr., as he discusses handling retirement savings during job transitions. Don't miss out on valuable tips and real-life examples!Navigating Retirement Accounts During Job Transitions: Essential Tips and Common PitfallsIn this episode of the Ask Ralph Podcast, Ralph Estep, Jr., a seasoned financial professional with over 30 years of experience, provides valuable insights on managing retirement accounts when changing jobs. From discussing common employer-sponsored retirement accounts like 401ks and 403Bs, to the pros and cons of cashing out, leaving...
2024-05-1816 min
Financially Confident ChristianFinancial Spring Cleaning: 7 Steps to Organize Your FinancesIs your budget causing you stress? It's time for some financial spring cleaning! Join Ralph Estep, Jr., for essential steps to organize your finances and achieve peace of mind. You are just 7 steps away from financial peace.7 Steps to Spring Clean Your FinancesIn this episode of the Ask Ralph Podcast, host Ralph Estep Jr., a seasoned financial professional with over 30 years of experience, shares seven actionable steps for decluttering and organizing personal finances, akin to a spring cleaning for financial health. From gathering and organizing all financial documents to automating finances and seeking accountability...
2024-05-1714 min
Financially Confident ChristianBeyond the Garage: Navigating Success with Nick Gadaleta and Ralph Estep, Jr.What's the biggest challenge you've faced in your business? Nick Gadaleta talks overcoming obstacles, building customer trust, and more. Join Ralph Estep, Jr., and Nick Gadaleta as the have a frank discussion about moving beyond the garage and building the Super Service Automotive brand.💛 Join the Financially Confident Christian CommunityIf 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 spr...
2024-05-1135 min
Financially Confident ChristianWeathering Economic Storms: A Preppers Guide to Financial Resilience - Mark Lawley and Ralph Estep, Jr.Weathering Economic Storms - A Prepper's Guide to Financial Resilience. Guests Mark Lawley and Ralph Estep, Jr., share invaluable insights on preparing financially for the unexpected. Whether it’s saving for an emergency, paying down debt, or diversifying income. LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) Please share our Podcast with all your friends and family! Submit your questions or ideas for future shows - email us at ralph@askralph.com or leave a voicemail message on...
2024-04-1344 min
Financially Confident ChristianUsing Online Tax Software or Selecting an AccountantJoin Ralph Estep Jr., as he discusses the decision of using online tax software or selecting an accountant to handle your annual tax preparation. It explores the complexities of tax situations, the advantages of personalized advice from an accountant, and the cost-effectiveness and user-friendly nature of online tax software. LISTEN NOW Please share our Podcast with all your friends and family! Submit your questions or ideas for future shows - email us at ralph@askralph.com or leave a voicemail message on our podcast page Leave A Voicemail Message
2024-02-2712 minFinancially Confident ChristianUnconventional Ways to Spend MoneyJoin host Ralph Estep Jr. as he takes listeners on a journey through the world of unconventional spending. He shares examples of bizarre purchases such as face-shaped coins, personalized potatoes, and the 'selfie toaster'. Estep also discusses unique investments like racehorses, collectible sneakers, rare books, cryptocurrency, and classic cars. Finally, he delves into unusual adventures for the non-thrill seekers such as extreme knitting, competitive cheese rolling, virtual reality experiences, urban exploration, and mystery-solving experiences. Emphasizing life's need for humor, the episode encourages listeners to explore unconventional ways of spending money, pursuing investments, and having adventures. LISTEN NOW
2024-02-1411 minFinancially Confident ChristianCrazy Business Ideas That Actually WorkedJoin Ralph Estep, Jr., as he explores Crazy Business Ideas That Actually Worked and discusses the secrets behind seemingly crazy ventures that became incredibly successful. He explores how these ideas defied the odds, tapped into deep desires, and solved problems we didn't know we had. Estep also highlights some remarkable success stories like the iPhone and Airbnb, as well as notable business failures like new Coke and the Segway. Ralph emphasizes the importance of understanding market needs, being agile and responsive, effective communication and branding, and learning from both successes and failures in the world of business. ...
2024-01-3110 minFinancially Confident ChristianFive Tax Blunders That Can Leave You BrokeIn this podcast episode, Ralph Estep Jr. discusses the five tax blunders that can leave you broke. He highlights the importance of keeping accurate records, taking advantage of tax credits and deductions, planning for taxes throughout the year, seeking professional help when needed, and not ignoring tax-saving opportunities for your business. By avoiding these blunders and implementing smart financial strategies, you can achieve financial stability, lower your taxes, and grow your business. Estep emphasizes the importance of being proactive and seeking professional guidance when necessary. He ends the episode by encouraging listeners to take control of their financial future...
2024-01-2710 min