Shows
Financially Confident ChristianFrom Inflation to Inspiration: A New Perspective with RalphHey, Financially Confident Christian fam! I’ve got some exciting news to share that’s gonna take our journey to the next level. I’m launching a new show called Truth Unveiled with Ralph, where we’re diving deep into what’s happening in the world today and how it all stacks up against the timeless truths in God’s Word. We’ll explore everything from the chaos of current events to personal struggles, helping you find hope and strength while navigating your faith and finances. Today, I’m giving you a sneak peek of the first episode, packed with insights to...2025-06-2949 min
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 ChristianBONUS EPISODE - ASK RALPH SHOW LIVE FROM OCTOBER 15, 2024Join Ralph in this engaging episode of the Ask Ralph podcast, where he tackles the critical question of how long to keep personal and business records, revealing that the IRS recommends retaining them for seven years. As he shares his extensive expertise, Ralph emphasizes the importance of understanding tax implications, especially for small business owners and those with unique financial situations. He also highlights the ongoing challenges posed by inflation on personal savings and investments, offering practical strategies to navigate these turbulent times. Additionally, Ralph answers listener questions about converting properties to rental status, the intricacies of Social Security...2024-10-1946 min
Financially Confident ChristianWhy does a good credit score matter even in retirement?Feeling unsure about how credit scores impact retirement? Wondering if maintaining a good credit score still matters once you've stopped working? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr. as he explains why a solid credit score remains important, even during retirement. Why Does a Good Credit Score Matter Even in Retirement?In this episode of the Ask Ralph Show, host Ralph Estep, Jr. breaks down the importance of maintaining a good credit score in retirement. Many assume that credit scores become irrelevant after you stop working, but Ralph explains how...2024-09-2018 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...2024-09-1422 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...2024-09-1120 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...2024-09-1017 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...2024-09-0820 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...2024-09-0718 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...2024-09-0523 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...2024-08-3120 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...2024-08-3019 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...2024-08-2816 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...2024-08-2716 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...2024-08-2617 min
Financially Confident ChristianHow do I discern Gods will for my life?Do you ever feel like God might be speaking to you, but you're unsure how to hear His voice? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr. as he talks about how to understand God's will when facing big life decisions. How Do I Discern Gods Will For My Life? With Ralph Estep, Jr.In this episode of the Ask Ralph show, Ralph addresses a listener's query about discerning God's will in life's major decisions. He shares his own journey of transitioning from a successful accounting practice to a financial ministry...2024-08-2512 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...2024-08-2415 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...2024-08-2215 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 social security survivor benefits work?Are you wondering how to navigate the complex world of Social Security survivor benefits? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr. as he tackles the challenging process of Social Security survivor benefits. How Do Social Security Survivor Benefits Work? With Ralph Estep, Jr.In this episode of The Ask Ralph Show, Ralph addresses a heartfelt question from Candace in Arizona, who is overwhelmed with grief and confusion after losing her husband of 30 years. Ralph provides a comprehensive roadmap for understanding and claiming Social Security survivor benefits. He offers clea...2024-08-1617 min
Financially Confident ChristianI just got married – do you have a newlywed tax checklist for me to follow?Are you a newlywed wondering how tying the knot will affect your taxes? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr. as he unravels the mysteries of married filing. I Just Got Married – Do You Have A Newlywed Tax Checklist For Me To Follow? With Ralph Estep, Jr.In this Tax Talk Thursday edition of the Ask Ralph Show, host Ralph discusses the various financial and tax considerations for newlyweds. The episode covers everything from name changes and new filing statuses to adjusting withholdings and updating benefits. Ralph provides a comprehensive ch...2024-08-1517 min
Financially Confident ChristianWhat are 10 expenses I can drop immediately and not even miss them?Are you tired of feeling like your money is slipping right through your fingers? What if there are expenses you could drop right now and wouldn't even miss them? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr. as he talks about saving money by cutting off unnecessary expenses. What Are 10 Expenses I Can Drop Immediately And Not Even Miss Them? With Ralph Estep, Jr.In this episode of the Ask Ralph Show, host Ralph discusses how to save money by identifying and cutting out 10 unnecessary expenses. Highlighting examples like daily coffee...2024-08-1414 min
Financially Confident ChristianShould I take a digital sabbath and how do I do it?Ever feel like your smartphone is ruling your life? What if there's a biblically-inspired way to break free from the digital chaos? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr. as he talks about the power of a digital sabbath. Should I Take a Digital Sabbath and How Do I Do It? With Ralph Estep, Jr.In this episode of The Ask Ralph Show, host Ralph discusses the concept of a 'Digital Sabbath,' a modern-day interpretation of the biblical day of rest. Ralph explores how intentionally unplugging from digital devices...2024-08-1316 min
Financially Confident ChristianShould I play the bank bonus game?Have you ever been tempted by those shiny bank bonus offers? Should you play the bank bonus game? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr. as he dives into the world of bank bonuses. Should I Play The Bank Bonus Game? With Ralph Estep, Jr.In this episode of The Ask Ralph Show, host Ralph explores the lucrative but complex world of bank bonuses. Prompted by a listener's question, Ralph breaks down the pros and cons of chasing bank promotions, such as extra money and higher interest rates, versus the...2024-08-1216 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...2024-08-0114 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...2024-07-3115 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...2024-07-3015 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...2024-07-2816 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...2024-07-2611 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...2024-07-2411 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 ChristianWhat are the 8 types of homeowners insurance and which should I have for my home?Are you confused about which homeowners insurance is best for your home? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he explains the eight different types of homeowners insurance you need to know about. What are the 8 Types of Homeowners Insurance You Need? | Ask Ralph PodcastIn this episode of the Ask Ralph Podcast, host Ralph Estep Jr. dives into the critical topic of homeowners insurance. With eight different types to consider, Ralph explains each one, helping you understand which coverages are essential for protecting your home. From...2024-07-2013 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...2024-07-1313 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...2024-07-0913 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...2024-07-0815 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...2024-07-0709 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...2024-07-0414 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...2024-07-0115 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...2024-06-3011 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....2024-06-2812 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...2024-06-2611 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...2024-06-2511 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 You Balance Wealth and Generosity Biblically?When balancing wealth and generosity, have you ever felt torn between enjoying financial success and staying true to your Christian values? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he discusses how to navigate this challenging yet important aspect of Christian living.How Do I Balance Money, Possessions, and Generosity from a Biblical Perspective? | Ask Ralph PodcastIn this episode of the Ask Ralph Podcast, host Ralph Estep Jr. dives into a crucial topic for Christians: balancing financial success with biblical generosity. Ralph explores whether it’s possible to...2024-06-2313 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.2024-06-1710 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...2024-06-1612 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...2024-06-1412 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...2024-06-1110 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...2024-06-1018 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...2024-06-0713 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...2024-06-0612 min
Financially Confident ChristianRevealing Hidden Facts: Shocking Job SituationsDid you ever consider the hidden truths behind common jobs? Join Ralph as he uncovers eye-opening facts about professions like bank tellers, flight attendants, and public defenders, revealing overlooked aspects of the workforce.Discover the Unseen Realities of Everyday Jobs with Ralph Estep, Jr.In the latest Ask Ralph Podcast episode, Ralph Estep Jr. dives into the unseen sides of everyday jobs. From banking to garbage collection to teaching, Ralph uncovers surprising truths about these professions. Beyond just pay and tasks, he delves into the stress, pressure, and personal sacrifices many workers face. Ralph urges...2024-06-0516 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...2024-06-0317 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 ChristianThe Truth About Annuities: Guaranteed Income or Scam?What if I told you there’s an investment out there that promises guaranteed lifetime income but is often called a scam? Join Ralph Estep, Jr. to find the truth about annuities, the pros and cons, and who is the best candidate for these investments.Demystifying Annuities: Benefits, Pitfalls, and Biblical PerspectivesIn this episode of the Ask Ralph Podcast, host Ralph Estep, Jr. dives into the complex world of annuities. He breaks down what annuities are, their types, benefits such as guaranteed lifelong income and tax-deferred growth, and significant downsides including high costs and co...2024-05-3113 min
Financially Confident ChristianTax Refund Troubles: Steps to Take When the Unexpected HappensSurprised by your tax refund? Join Ralph Estep, Jr., to learn steps to take when the IRS hits you with a surprise. Plus, hear an insane real client story! Clear ways to deal with tax refund troubles.Navigating Unexpected Tax Refunds: Tips and Real-Life StoriesIn this episode of the Ask Ralph Podcast, host Ralph Estep Jr. discusses the common issue of receiving a lower-than-expected tax refund or even owing taxes. Drawing from over 30 years of financial expertise, Ralph explains potential causes like unreported income, ineligible deductions, and life changes impacting tax liability. He provides...2024-05-3012 min
Financially Confident ChristianMaximize Your Grocery Budget: Practical Tips and Listener AdviceAre you tired of your grocery bills eating up your budget? Join Ralph Estep, Jr., as he shares 6 practical tips that can cut your costs by 20%! Don't miss out on our listeners' advice either!Trimming Your Grocery Bill: Practical Tips and Listener AdviceIn this episode of the Ask Ralph Podcast, host Ralph Estep, Jr. discusses practical and easy ways to save money on grocery shopping without sacrificing nutrition or taste. Topics include making and sticking to a list, opting for store brands, understanding unit pricing, selective bulk buying, shopping seasonally, and cooking at home...2024-05-2920 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 ChristianFinding Peace through Prayer: A Guide to Deepening Your Connection with GodFinding Peace through Prayer with God? Join Ralph Estep, Jr., as he explores how to revitalize your prayer life and experience transformation. Let's cultivate a vibrant prayer routine together!Revitalizing Your Prayer Life: Tips for Genuine Connections with GodIn this episode of the Ask Ralph Podcast, host Ralph Estep Jr. guides listeners through practical steps to cultivate a vibrant and impactful prayer life. The episode begins with a personal reflection on the common struggle of maintaining a meaningful connection with God and then dives into four actionable tips: starting your day with God, praying...2024-05-2616 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...2024-05-2529 min
Financially Confident ChristianFinancial Harmony: Building Unity in MarriageStruggling with financial disagreements in your relationship? You're not alone! Tune in to our show where Ralph Estep, Jr., shares practical tips for achieving financial harmony with your partner. Let's build unity in marriage together.Achieving Financial Harmony in Marriage: Practical Steps for CouplesIn this episode of the Ask Ralph Podcast, host Ralph Estep, Jr. addresses the common issue of financial disagreements in marriages. Drawing on his 30 years of experience as a financial professional and Christian teachings, Ralph explores why financial unity is crucial for marital harmony. He provides practical tips for couples to...2024-05-2415 min