Ask Ralph: Financially Confident Christian
"Money isn’t just about numbers — it’s about confidence, stewardship, and faith. If you've ever felt stuck in the cycle of financial shame, you're not alone — and you don't have to stay there. Welcome to Financially Confident Christian, where we blend Biblical wisdom, practical financial strategies, and daily encouragement to help you break free, build lasting confidence, and honor God with your resources. Hosted by Ralph Estep Jr., a seasoned financial coach with a heart for ministry, each episode offers real-world steps you can take today — no complicated jargon, no judgment — just real hope and real help. Whether you're climbing out...
S7 E119 · Tue, April 29, 2025
Is Meal Planning the Key to Budget Success?
Ever found yourself staring into the fridge at 5 PM, stressed and unsure what to make for dinner—again? You’re not alone. In this episode of Ask Ralph , we dig into how that daily dinner panic often leads to overspending, wasted food, and avoidable stress. Ralph walks through how a simple weekly habit—meal planning—can bring structure, savings, and sanity back to your budget. With a biblical perspective on stewardship and waste, this episode challenges listeners to consider: is meal planning the key ? Read today's blog article Check out the full podcast episode here You’ll learn a quick step-by-step process to plan your dinners for the week, how to use what you already have on hand, and why this practical habit reflects God-honoring discipline. If you’ve ever tossed spoiled groceries or caved to last-minute takeout, this episode will equip you with tools and encouragement to steward both your finances and your time more intentionally. Grab a notepad, pick five meals, and start planning with purpose. Chapters: 00:16 - Finding Financial Freedom: A New Approach 01:51 - Breaking the Cycle of Dinner Panic 03:48 - Meal Planning: Your First Steps 04:49 - Meal Planning for a Stress-Free Week 06:32 - Conclusion and Next Steps Takeaways: Meal planning can totally zap that 5pm dinner panic, making evenings way more chill. By planning meals ahead, you can save cash and avoid those pesky takeout temptations. Wasting food is a bummer, but planning helps you buy only what you need, so win-win! Being intentional with your meals not only helps your budget but also keeps stress levels low. LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW <a href="https://a
S7 E118 · Mon, April 28, 2025
Is the Envelope System God’s Answer to Overspending?
Struggling to stick to your budget—especially in certain spending categories? In this episode of Ask Ralph , we explore a practical and surprisingly powerful solution for those areas that always seem to go over: the envelope system. Ralph walks through why plastic makes it so easy to overspend, how cash can restore mindful habits, and what it looks like to apply this method to just one category where you consistently lose control. If you’re tired of blowing your budget in the same places, it might be time to give your finances a tactile reset with the envelope system. Read today's blog article Check out the full podcast episode here You’ll learn how to set up your first envelope, why this old-school method still works in a digital world, and how using cash in one area brings clarity, discipline, and peace. Ralph offers step-by-step instructions, spiritual encouragement, and a dose of accountability, reminding listeners that self-control is both a fruit of the Spirit and a skill we can build with the right tools. If budgeting has felt abstract or discouraging, this episode will help you re-engage with confidence. Chapters: 00:14 - Overcoming Financial Challenges 01:41 - Understanding the Challenges of Budgeting 02:38 - Understanding the Cash Envelope System 04:20 - Implementing the Envelope System 06:25 - Managing Spending Categories 06:46 - Key Strategies for Financial Success Takeaways: Creating a budget is just the first step; sticking to it can be a real challenge. Using cash envelopes for budgeting can make spending feel more tangible and real. Choosing just one category to manage with cash helps build discipline and control. Visualizing cash spending can reduce the temptation to overspend on unnecessary items. The cash envelope system is a simple yet effective way to regain control over your finances. Next episode will focus on grocery costs, so stay tuned for more budgeting tips! LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOW
S7 E117 · Sun, April 27, 2025
LIVE SHOW REPLAY Feeling Stuck by Financial Shame? Ready for Real Freedom?
Do you ever feel like your past financial mistakes define you? You’re not alone. In this episode of Ask Ralph , Ralph and co-guest Craig dive deep into the emotional and spiritual weight of financial shame—a burden that affects far more people than we talk about. Through honest listener questions, biblical truth, and practical next steps, they offer a compassionate roadmap for moving forward. Whether you’ve hidden debt from a spouse, feel guilt over past decisions, or struggle with feelings of inadequacy around money, this episode is for anyone feeling stuck by financial shame. Read today's blog article Check out the full podcast episode here You’ll learn how to separate your self-worth from your net worth, break free from secrecy and isolation, and start walking in the truth of your identity in Christ. Ralph and Craig share encouragement and action steps—from journaling early money memories to initiating tough conversations with grace—all designed to help you trade shame for stewardship, and fear for faith. It’s time to take the first step toward real, grace-filled financial freedom. Chapters: 00:12 - Understanding Financial Shame 01:54 - Breaking the Cycle of Financial Shame 15:04 - Confronting Financial Secrets in Marriage 36:31 - Understanding Business Failures and Debt Management 42:51 - Understanding Financial Overwhelm and Shame Takeaways: Financial shame can feel like a heavy backpack filled with rocks, but we can ditch it. Recognizing that money struggles are common helps us to lighten our load and support each other. God wants us to find financial freedom, not to be trapped in shame or guilt over our past mistakes. Taking small steps, like tracking spending, can help us regain control and reduce feelings of overwhelm. It's important to separate our identity from our financial situation; our worth isn't tied to our bank account. Finding community and support in tackling financial issues can empower us to break the cycle of shame. LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHA
S7 E116 · Sat, April 26, 2025
Is Your Budget a Tool or a Trap?
Does the word “budget” make you cringe a little? You’re not alone. In this episode of Ask Ralph , we tackle the emotional resistance many people feel toward budgeting—feelings of fear, shame, or overwhelm. Ralph explains why a budget isn’t a punishment or a restriction, but a roadmap that can bring clarity, control, peace, and purpose. You’ll learn how to reframe budgeting through a biblical lens and start with a simple, grace-filled plan—no spreadsheets required. If you’ve ever wondered whether budgeting brings freedom or frustration, it’s time to decide: is your budget a tool or trap? Read today's blog article Check out the full podcast episode here You’ll discover how to build a budget that works for your life and aligns with your values, without the pressure of perfection. Ralph walks through a simple, step-by-step approach to creating a beginner-friendly plan and encourages listeners to shift their mindset from fear to faith. With prayerful guidance and practical wisdom, this episode will help you take a confident step toward financial peace and stewardship. Chapters: 00:01 - Understanding the Budget: Overcoming Common Misconceptions 01:17 - Understanding the Importance of Budgeting 03:39 - Creating Your First Budget: The Basics of Financial Empowerment 06:31 - Creating a Simple Financial Plan 07:49 - Beginning Your Budgeting Journey Takeaways: Budgeting might sound scary, but it’s really just a roadmap to financial freedom, trust me! Creating a budget is about making conscious decisions and being in control of your cash flow. You can tackle budgeting without the stress by keeping it simple and focusing on the big picture. Your first budget doesn’t have to be perfect; just make sure every dollar has a job to do! Budgeting is not a punishment, but a tool to empower you and align your spending with your values. Taking just 20 to 30 minutes to sketch out your budget can significantly reduce financial anxiety. LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE
S7 E115 · Fri, April 25, 2025
Found the Leak Yet? Pinpointing Where Your Money Goes
Are you tracking your spending but still feeling overwhelmed? In this episode of Ask Ralph , we take the next step in building financial clarity. Ralph walks through how to analyze your tracked expenses—not just to collect data, but to find meaning. The key? Identifying your biggest “leak”—that one area where your money consistently slips away more than you realized or intended. Whether it’s takeout, subscriptions, or impulse buys, narrowing your focus to one category helps you take action without the overwhelm. You’re not just collecting information—you’ve found the leak. Read today's blog article Check out the full podcast episode here You’ll learn how to sort your spending into patterns, ask the right questions, and move from vague guilt to focused progress. With biblical encouragement and a simple action step, Ralph equips you to trade financial confusion for clarity—and start stewarding your money with greater confidence, peace, and purpose. Chapters: 00:11 - Understanding Your Spending Habits 02:02 - Tackling Financial Overwhelm 03:22 - Identifying Financial Leaks 05:07 - Identifying Your Primary Leak 06:35 - Identifying Financial Leaks 07:05 - Introduction to Financial Planning Takeaways: Tracking your spending can feel overwhelming, but it’s the first step to understanding where your money is actually going, trust me! Identifying your biggest financial leak is crucial; it can be those sneaky little expenses we don't even think about, like that extra coffee run. Remember, being aware of spending without taking action can just lead to more anxiety, so let’s focus on what really matters! When you group similar expenses together, it helps to see patterns and where you might be overspending without realizing it. True financial stewardship is about focusing on the areas that need the most attention, like pruning a plant, not just random cuts everywhere. Today's action item: take a few minutes to review your spending data and pinpoint that one big leak to tackle first. LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SH
S7 E114 · Thu, April 24, 2025
Where Does Your Money Actually Go?
Ever feel like your money disappears the moment it hits your bank account? In this episode of Ask Ralph , Ralph addresses the pain point so many face: that frustrating mystery of vanishing dollars. Whether it’s impulse buys, small daily habits, or just a lack of clarity, not knowing where your money is going can leave you feeling out of control. But there’s good news—you don’t need a full budget to start making progress. The first step to freedom is awareness. In this episode, Ralph shares how a simple one-week habit can bring immediate clarity and help you finally answer the question, Where does your money actually go? Read today's blog article Check out the full podcast episode here You’ll learn how to track spending without shame, uncover hidden patterns, and begin building a foundation for faithful stewardship. This isn’t about judgment—it’s about shining light on your financial habits so you can make wise, God-honoring decisions. With practical encouragement and a step-by-step challenge, this episode will equip you to take back control and steward your resources with confidence and peace. Chapters: 00:15 - Understanding Your Finances 01:58 - Understanding Financial Confusion 02:58 - Becoming a Financial Detective 04:06 - Practical Action Step for Tracking Expenses 05:58 - Starting Your Financial Journey 06:32 - Closing Remarks and Next Steps Takeaways: Feeling like your money just disappears? You’re not alone, trust me on this one! To regain control of your finances, start tracking your spending for one week, no judgments! It's all about awareness, folks! You can't manage what you don't measure, remember that! By tracking your expenses, you’ll uncover sneaky spending habits you never even knew existed! Awareness is your new best friend! It’s the first step to becoming a money detective! Join us tomorrow as we explore how to use your tracking data to fix financial leaks! LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COP
S7 E113 · Wed, April 23, 2025
What If One Habit Could Transform Your Finances Forever?
Is it possible that one small habit could completely shift your financial mindset? In this episode of Ask Ralph , we explore the often-overlooked, yet profoundly powerful impact of gratitude on our money. Gratitude might not sound like a financial strategy, but it’s deeply biblical—and surprisingly practical. Ralph walks through how thankfulness can reduce stress, break the grip of materialism, and lead to lasting contentment and generosity. Whether you’re drowning in debt, constantly comparing, or simply feeling stuck, this episode offers a Christ-centered mindset shift that could transform your finances. Read today's blog article Check out the full podcast episode here You’ll learn the connection between gratitude and faithful stewardship, how to reframe budgeting as an act of thanksgiving, and why thankfulness isn’t just about feeling good—it’s about aligning your heart with God’s truth. Ralph shares biblical insight and practical action steps to help you start where you are and move toward peace, clarity, and lasting financial freedom. Chapters: 00:13 - Introducing a Transformative Habit for Financial Well-being 01:03 - The Joy of Living Below Your Means 03:00 - The Power of Gratitude 04:21 - The Power of Gratitude 06:27 - The Power of Gratitude 06:46 - Getting Practical with Finances Takeaways: Feeling down about finances? You're not alone, but there's a way to shift your focus! Practicing daily gratitude can transform your perspective and help you appreciate what you have. It's super easy to get stuck in the negatives, but gratitude can really flip that script. The simple act of naming three things you're thankful for can boost your mood instantly. Focusing on gratitude rewires your brain and helps you notice the good in life. Remember, building financial peace is a daily journey made up of small, joyful steps. LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" <a href="h
S7 E112 · Tue, April 22, 2025
What If You Already Have Enough?
Do you ever feel like no matter how much you earn or save, it’s still not enough? In this episode of Ask Ralph , we explore how cultural pressures and constant comparison can fuel financial dissatisfaction—and why the Bible offers a better way. Ralph breaks down what it means to define “enough” from a faith-filled perspective, guiding listeners through practical questions and biblical truths that reframe how we see contentment, stewardship, and purpose. It’s a powerful reminder that peace doesn’t begin when you finally get more—it begins when you recognize that you may already have enough. Read today's blog article Check out the full podcast episode here You’ll learn how to silence the noise of “more,” prayerfully set your own financial finish line, and cultivate the joy and generosity that come from godly contentment. With wisdom from Scripture and one clear action step, this episode will challenge and encourage you to trade striving for stewardship and chase purpose over possessions. Chapters: 00:12 - Finding Your Own Finish Line 01:56 - The Pain of Comparison: Breaking Free from Financial Discontentment 04:30 - Defining Your Enough 06:40 - Taking Action for Financial Peace 06:56 - Transitioning to Practical Financial Habits Takeaways: Feeling like you're always chasing after money but never quite catching it is common. To find your finish line, you need to define what 'enough' means for you personally. Comparison is the thief of joy, and it can keep you feeling discontented with your own life. Defining what financial peace looks like for you can help you resist societal pressures. LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW <a h
S7 E111 · Mon, April 21, 2025
Feeling Lost With Money? Start Here
Struggling to find clarity with your finances? In this episode of Ask Ralph , we’re addressing the emotional and spiritual weight of financial confusion—and why the first step forward isn’t a spreadsheet or budget, but prayer. Ralph shares how inviting God into your money decisions through honest, specific, daily prayer can shift your mindset from panic to peace. If you’re feeling stuck, unsure where to begin, or overwhelmed by debt and anxiety, this conversation will meet you right where you are. It’s a must-listen for anyone who’s feeling lost with money . Read today's blog article Check out the full podcast episode here You’ll learn why faith and finances are never meant to be separate, how surrendering control opens the door to wisdom, and the exact way to start praying about your finances today. Ralph offers one simple action step you can take immediately—and why that small habit can lay the foundation for lasting clarity, peace, and stewardship rooted in trust. Chapters: 00:08 - Taking the First Step Towards Financial Freedom 01:50 - Understanding Financial Overwhelm 04:06 - The Power of Prayer in Financial Decisions 04:16 - Starting a Conversation with God about Finances 06:07 - Exploring the Concept of 'Enough' Takeaways: Managing money can feel super overwhelming, but we all start somewhere, right? The first step is to invite God into your financial journey through specific prayer, trust me! Don't let financial stress crush your spirit; start with just a simple prayer today! Feeling lost with finances? You're not alone, we all have been there, let's tackle it together! It's all about partnership with God; ask for wisdom and guidance in your money matters. Instead of stressing about bills, take five minutes to pray and find peace today! LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" <a href="https://www.facebook.com/share/W39nbmnKqtgqr9om/?mibextid=K35XfP" rel="noopener noref
S7 E110 · Sun, April 20, 2025
LIVE SHOW REPLAY - Are You Ready to Break Free from Financial Shackles?
Are you tired of feeling chained by your finances? In this episode of Ask Ralph , Ralph and Craig dive deep into the habits, mindsets, and spiritual principles that keep so many of us stuck in a cycle of financial stress. From debt and impulse spending to budgeting misconceptions and misplaced identity, they break down what’s really holding people back—and how to start walking in freedom. This episode will help you take that critical first step toward living free from financial shackles. Read today's blog article Check out the full podcast episode here You’ll hear practical strategies like tracking expenses, rethinking budgets as tools for empowerment, and setting intentional goals—alongside biblical encouragement rooted in stewardship, contentment, and grace. Whether you’re overwhelmed by credit card debt or just trying to gain control over your spending, this conversation offers real hope, real solutions, and a reminder that financial freedom isn’t about perfection—it’s about progress, one step at a time. Chapters: 00:00 - Breaking Free from Financial Chains 01:53 - Breaking Free from Financial Shackles 09:30 - Understanding Budgeting: The Little Things Matter 14:30 - Overcoming Mental Roadblocks in Budgeting 22:50 - Understanding Budgeting and Intentional Spending 27:17 - Identifying Triggers for Impulse Buying 31:40 - The Envelope System: A Return to Traditional Budgeting 36:50 - The Impact of Instant Gratification on Decision Making 44:06 - The Importance of Stewardship 47:34 - The Journey to Financial Awareness 55:40 - Starting Your Journey to Financial Freedom Takeaways: Feeling trapped by finances is common, but there are ways to break free. Budgeting is like a blueprint for your financial freedom, guiding your spending choices. Impulse spending can derail your financial goals, so awareness of triggers is crucial. Tracking expenses helps you understand where your money goes, leading to better choices. Living paycheck to paycheck can feel normal, but it doesn't have to be your reality. Taking small steps each day towards financial health can lead to big changes over time. LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSI
S7 E109 · Sat, April 19, 2025
Why Is Giving the Secret to Financial Breakthrough?
What if the path to financial peace doesn’t start with getting more, but with giving more? In today’s episode, we’re diving deep into a countercultural idea: that the breakthrough so many believers are praying for might actually begin with a step of generosity. Ralph shares personal stories, scriptural truths, and a simple, practical challenge that could shift your financial mindset and your faith. Whether you’re stuck in the paycheck-to-paycheck cycle or just looking for clarity, this episode explores what it really means to trust God with your finances—and whether giving could be the secret to financial breakthrough. Read today's blog article Check out the full podcast episode here If you’ve ever questioned how faith and finances connect, this conversation offers both spiritual insight and practical encouragement. You’ll hear how small, intentional acts of generosity can shift your mindset, strengthen your trust in God, and begin to break the cycle of fear and scarcity. Whether you’re new to giving or simply need a fresh perspective, this episode will inspire you to take that next step—one that’s rooted in faith, not formulas. Chapters: 00:09 - The Power of Giving 01:41 - Finding Freedom in Giving 03:38 - The Power of Generosity: Shifting Mindsets 05:06 - Choosing Trust Over Fear 07:00 - The Joy of Living Below Your Means Takeaways: Feeling financially stuck is a common struggle, but there’s a way out through giving. Even when money is tight, giving a small portion can help break the cycle of scarcity. The act of giving is more about your heart than following a set of rules. Start small and consistent with your giving, it’s about building trust with God. Giving isn’t just about money; it’s an act of faith and partnership with God. Don't wait for the perfect time to start giving; just take that leap of faith today! LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" <a href="https://www.faceb
S7 E108 · Fri, April 18, 2025
How Can I Plan for Future Expenses and Avoid Financial Surprises?
Ever feel like you’re finally catching your financial breath—then boom, you see a future expense on the horizon, and it knocks the wind right out of you? In this episode of Ask Ralph , we’re talking about those big bills that can totally derail your budget. Ralph shares how a simple savings strategy, rooted in biblical wisdom and intentional planning, can help you prepare with peace instead of panic. Whether it’s car insurance, Christmas gifts, or that Amazon Prime renewal, you’ll learn how to break the paycheck-to-paycheck cycle and avoid financial surprises. Read today's blog article Check out the full podcast episode here In just a few minutes, Ralph walks you through one small, empowering step you can take today. And remember, it’s not about deprivation—it’s about preparation. You’ll hear practical encouragement and scriptural truth that will help you steward what God’s given you with greater clarity and confidence. Tune in and trade that stress for steady progress. Chapters: 00:06 - Managing Unexpected Financial Strains 01:29 - Understanding Financial Blind Spots 02:53 - Planning Ahead for Financial Stability 04:09 - Preparing for Upcoming Expenses 06:01 - Transitioning from Reaction to Preparation 06:45 - Exploring Financial Breakthroughs Through Giving Takeaways: Managing finances can feel like a rollercoaster, especially when unexpected bills pop up out of nowhere. Planning ahead is crucial for financial peace; think of it as creating little envelopes for future expenses. It's not about deprivation; it's all about preparation to alleviate financial stress when bills arrive. Taking just one small step today can help you break free from the paycheck-to-paycheck cycle and gain control over your finances. LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GRO
S7 E107 · Thu, April 17, 2025
Are Credit Cards Your Friend or Foe?
Are credit cards helping you—or quietly hurting your financial peace? In this episode, Ralph Estep Jr. tackles a deeply personal and practical question many Christians wrestle with: how should we think about credit cards? From managing shame and anxiety around debt to exploring the biblical principles of stewardship, contentment, and trust, Ralph walks listeners through the spiritual and emotional weight of credit card use. With honest encouragement, practical next steps, and scriptural insight, this conversation helps you discern whether credit cards are your friend or foe . Read today's blog article Check out the full podcast episode here Whether you’re carrying a balance, considering a new card, or simply trying to navigate modern money tools with wisdom, this episode provides clarity and grace. Learn how to take the first faithful step toward freedom—and how one simple action can rebuild your confidence, quiet the shame, and align your finances with your faith. Chapters: 00:04 - Understanding Emotional Weight 01:59 - Drowning in Debt: A Call for Help 03:22 - Breaking Free from Shame 04:45 - Taking Control of Your Finances 07:37 - Journey to Financial Peace 08:31 - Navigating Financial Surprises Takeaways: Feeling overwhelmed by debt is super common, and you're definitely not alone in this. Taking small, focused steps can help you regain control over your financial life. Targeting the smallest debt first can actually boost your confidence and motivation. It's important to gather your statements and face your financial situation head-on with bravery. Channeling your energy into one specific debt can help you feel empowered and less trapped. Remember, progress is possible, and every little win counts towards your financial freedom. LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" <a href="https://www.facebook.com/share/W39nbmnKqtgqr9om/?mibextid=K35XfP" rel="noope
S7 E106 · Wed, April 16, 2025
Why Is an Emergency Fund Your Lifeline to Financial Peace?
What if one unexpected bill could knock everything off track? In this episode of Ask Ralph , Ralph Estep Jr. answers a listener’s heartfelt question: “What can I do when I feel like I’m always one emergency away from disaster?” Ralph explores the anxiety so many people feel about unexpected expenses and introduces a powerful, biblical solution—starting a $500 emergency fund. With wisdom from Proverbs and real-life examples, this episode encourages listeners to build a cushion of security during their financial “summer” to prepare for the inevitable “winter.” Creating a starter emergency fund can be your lifeline to financial peace. Read today's blog article Check out the full podcast episode here Ralph shares actionable strategies for how to save your first $500—whether it’s cutting back on coffee runs, selling unused items, or using your next tax refund—and reminds us that the journey to financial freedom begins with one intentional step. He challenges listeners to take that step this week and lean into faith, discipline, and God’s provision. If you’re tired of living with financial anxiety and ready to build real peace of mind, this episode will give you the motivation and tools to get started. Chapters: 00:13 - Facing Unexpected Financial Challenges 02:02 - Overcoming Financial Anxiety 05:06 - Building Your Emergency Fund: The Starter Solution 05:47 - Starting Your Emergency Fund: The First Step to Financial Security 10:22 - Taking the First Step Towards Financial Freedom Takeaways: Feeling like you're one unexpected bill away from disaster is super common, trust me! Building a starter emergency fund of $500 is a game changer for your peace of mind. The ant from Proverbs teaches us to prepare for financial storms before they hit. Living without a financial buffer is exhausting, so let's make that starter fund happen! You can get creative to save that $500, like cutting small expenses or selling unused stuff. This journey towards financial freedom starts with small, manageable steps, so let's take them! LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION)
S7 E105 · Tue, April 15, 2025
How Can I Kick Impulse Buying to the Curb and Save Money?
Are impulse purchases derailing your financial goals? In this episode of Ask Ralph , Ralph Estep Jr. addresses one of the biggest traps keeping people stuck in the paycheck-to-paycheck cycle: impulse spending. Ralph unpacks why those “gotta-have-it” moments feel good for a second but wreak havoc on your finances. Using Proverbs 21:20 as a guide, he challenges listeners to replace impulsive “gulping” with intentional stewardship—starting with one simple tool: the Power Pause. This small habit will help you kick impulse buying to the curb for good . Read today's blog article Check out the full podcast episode here You’ll learn how emotional triggers like stress, boredom, and comparison fuel poor spending habits—and how a 24-hour pause can disrupt that cycle, strengthen financial self-control, and bring lasting peace. Ralph offers four key questions to ask before any unplanned purchase, helping you move from reaction to wisdom. Whether you’re working on saving, building a budget, or simply trying to make better financial decisions, this episode offers a powerful mindset shift and actionable steps to help you steward God’s resources well. Chapters : 00:10 - Breaking the Cycle of Impulse Spending 02:16 - Understanding Impulse Spending 05:14 - Breaking the Cycle of Impulsive Spending 05:30 - The Power Pause: A New Approach to Impulsive Spending 08:29 - The Power of the Pause Takeaways: Impulse buying can lead to that all-too-familiar buyer's remorse we all dread after splurging. Taking a moment to pause before making purchases can drastically change your financial game. It's all about being intentional with your spending to avoid ending up broke and stressed. Ralph emphasizes the importance of a 24-hour pause to rethink those impulse buys. Understanding the triggers behind impulse spending, like stress and boredom, is crucial for change. The key to financial peace is learning to say 'no' to impulse and 'yes' to intentionality. LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE -
S7 E104 · Mon, April 14, 2025
Why Is Budgeting Your Secret Weapon to Financial Freedom?
Are you feeling that paycheck-to-paycheck pressure? Yeah, we’ve been there. Today, Ralph Estep Jr. is keying in on how to break free from that cycle of financial stress and shame. He’s here to share a simple biblical strategy that can help unlock your financial freedom and give you some much-needed breathing room. We're diving into real talk about money, tracking your expenses, and, yes, even budgeting! By the end of this episode, you’ll discover the secret weapon to financial freedom! Read today's blog article Check out the full podcast episode here If you’ve ever felt the weight of financial shame, Ralph Estep Jr. is here to lift you up! This episode tackles the all-too-common feeling of running out of money before the next paycheck arrives. Ralph shares his journey through financial struggles, reminding us that living paycheck to paycheck isn’t God’s best for us. He discusses the importance of stewardship and understanding where our money goes. Ralph provides practical steps for breaking free from financial anxiety. He emphasizes tracking expenditures as the first step towards awareness, leading to control over our finances. Ralph lays out a simple challenge for listeners—keep a log of every dollar spent for the next week. This exercise might reveal surprising insights into our spending habits. Chapters: 00:15 - Unlocking Financial Freedom 02:39 - Understanding Financial Stewardship 04:38 - Understanding Your Finances: A Challenge to Track Your Spending 06:30 - Building Financial Awareness and Control 07:43 - Understanding Your Expenses 10:20 - Transitioning to Financial Freedom Takeaways: Living paycheck to paycheck isn't a must; it's not God's best for you. Awareness of your finances is key, so track every dollar that comes in and out. Creating a budget gives you control over your money and helps guide your spending. Impulse purchases can derail your financial plans; awareness is the first step to prevention. God wants you to have peace and security with your finances, so take action today. Start by understanding your income and expenses to create a financial roadmap for success. LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) <a href="https://askralph-shop.
S7 E103 · Sun, April 13, 2025
LIVE SHOW REPLAY - Ready to Thrive, Not Just Survive? Your Financial Breakthrough Starts Now!
Feeling trapped in the paycheck-to-paycheck cycle? You’re not alone, and today we’re diving deep into why many of us feel this way and how we can break free from the chains of financial shame and anxiety. Ralph Estep Jr. and co-host Craig Van Slyke, Ph.D., tackle the emotional and practical aspects of financial struggles, offering insights and solutions grounded in biblical wisdom. Are you ready to thrive, and not just survive? Read today's blog article Check out the full podcast episode here This episode explores the concept of financial security, emphasizing that merely surviving financially isn’t truly living. The discussion unveils hidden traps like lifestyle creep and emotional spending, while providing practical steps to regain control of your finances. The goal? To empower listeners to take actionable steps towards financial freedom, ensuring that they not only manage their money better but also align their financial practices with their values and beliefs. Expect an encouraging conversation that feels like a chat with friends, filled with relatable anecdotes and a sprinkle of humor to lighten the serious topic of personal finance. Chapters: 00:11 - Escaping the Paycheck to Paycheck Trap 01:04 - Breaking the Cycle of Financial Shame 10:43 - Lifestyle Creep and Financial Pitfalls 13:51 - Understanding Needs vs. Wants 20:54 - The Emotional Toll of Financial Stress 24:13 - Taking Control of Your Finances 34:19 - Celebrating Small Wins in Weight Loss and Finances 39:58 - Teaching Financial Literacy to the Next Generation 44:01 - The Importance of Intentionality in Financial Planning 49:02 - Financial Awareness and Legacy Planning 52:40 - Taking Action: Steps Towards Financial Improvement Takeaways: You're totally not alone in feeling stuck financially; many people are in the same boat, trust me! Living paycheck to paycheck is a trap, but guess what? You can escape it, and we're here to help! It's super important to distinguish between needs and wants to break free from emotional spending and financial shame. Start small with your financial goals—building a budget or savings can lead to big changes over time! Embrace the journey of financial growth; celebrate those little wins because they add up to something huge! Talking about money with your family is key—teach your kids about budgeting so they can avoid financial traps later! LISTEN NOW <a href="https://www.youtube.com/
S7 E102 · Sat, April 12, 2025
What Legacy Will You Leave? Can You Build Wealth That Matters?
What comes after financial freedom? When the debt is paid down, and you finally have breathing room, it’s time to ask a deeper question—what kind of legacy are you building? In this episode of Ask Ralph , we shift the focus from budgets and bank balances to something much more lasting: the impact your money—and your values—can have beyond your lifetime. Ralph unpacks what it means to build wealth that matters, rooted in purpose, faith, and the kind of stewardship that echoes through generations. So, have you ever paused to consider if you can Build Wealth That Matters? Read today's blog article Check out the full podcast episode here You’ll learn the difference between simply managing money and intentionally building with it. Ralph challenges listeners to write their own financial legacy vision statement and explains why you don’t need a million dollars to leave something meaningful behind. Whether you’re just beginning to move past survival mode or already thinking about generational impact, this episode offers clarity, encouragement, and practical steps to start shaping a legacy that reflects God’s Kingdom and your values. Chapters: 00:04 - Understanding Life After Financial Freedom 01:49 - Building a Financial Legacy 04:49 - Aiming for Financial Success 05:22 - Creating Your Financial Legacy Vision Statement 08:59 - A Prayer for Purpose and Legacy 09:30 - Building Your Legacy: A Vision for the Future Takeaways: Understanding your financial legacy helps you aim beyond just surviving paycheck to paycheck. Building a vision for your finances creates clarity in your spending and saving decisions. Financial freedom isn’t just about money; it’s about the impact you can make for others. Writing down your legacy vision statement can motivate you to manage your finances purposefully. Too many people live life on autopilot; aim to build something meaningful instead. Remember, you’re not just managing money; you’re creating a legacy for future generations. LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS
S7 E101 · Fri, April 11, 2025
Small Wins, Big Change: Can You Build Financial Momentum?
Feeling stuck in your finances, even though you’re doing “everything right”? You’re not alone—and you’re probably doing better than you think. In this episode of Ask Ralph , we explore the underestimated power of small wins in your financial journey. Ralph shares how small, consistent steps like saving $20, skipping that $6 coffee, or paying off a $50 balance aren’t insignificant—they’re foundational bricks in something much bigger. This isn’t about perfection or overnight results. It’s about showing up, brick by brick, and building momentum through Small Wins that lead to Big Change . Read today's blog article Check out the full podcast episode here You’ll learn how to reframe your progress through the lens of stewardship, discover how faithfulness in little things can lead to transformation, and take on Ralph’s 7-Day Momentum Challenge to start tracking and celebrating your own wins. Whether you’re overwhelmed by the big picture or feeling discouraged by slow progress, this episode is a reminder that God honors your consistency. Stewardship starts small—but it builds momentum that lasts. Chapters: 00:01 - The Struggles of Managing Finances 01:35 - Building Momentum Through Small Wins 05:06 - Mindset and Progress 06:13 - Embracing Your Journey: The Importance of Faithfulness 08:26 - Building for a Purpose Takeaways: Small wins are crucial for overcoming financial shame and anxiety; celebrate them! You don't need to hustle harder; just keep showing up and being consistent. Track your small victories daily to build momentum and recognize your progress. Remember, progress isn't always loud, but it is always real and meaningful. Take part in the seven day Momentum Challenge to identify and celebrate small wins. God sees your efforts and values your faithfulness, regardless of how slow progress feels. LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" <a href="https://www.
S7 E100 · Thu, April 10, 2025
Budgeting Broken? Can You Really Break the Cycle?
Do you ever feel like your money is in control—and you’re just along for the ride? You’re not alone. In this episode, Ralph Estep Jr. offers a thoughtful exploration of the emotional challenges tied to financial management, including the shame and anxiety that often accompany budgeting struggles. So, do you want to learn how to break the cycle of a broken budget? Read today's blog article Check out the full podcast episode here Through a candid discussion, Ralph emphasizes that it’s not about being lazy or broken; it’s about having a plan—his 3P plan to be precise! He shares how budgeting isn’t a punishment but a pathway to freedom, allowing us to say 'yes' to what truly matters. Ralph breaks down the steps to taking control of your finances without the guilt. By the end of the episode, you’ll feel empowered to take action and start budgeting with intention, knowing that small steps lead to big changes. Chapters: 00:13 - Creating a Better Financial Plan 02:34 - The Importance of Budgeting 03:30 - Understanding Budgeting: The 3P Framework 05:44 - Understanding Financial Emotions 08:08 - Financial Strategies for Success Takeaways: Budgeting is about giving every dollar a job, not just deprivation or restriction. You're not your financial mistakes; it's all about growth and learning in the process. The 3P plan: Plan, Prioritize, and Practice your budgeting for financial freedom. Celebrate small wins along your budgeting journey; every step counts towards progress. Don't aim for perfection in budgeting; focus on consistency and persistence instead. Tithing should come from trust, not guilt; it's about a cheerful giving heart. LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP <a href="https://ASKRALPHPODCAST.COM/SUPPORT" rel="noopen
S7 E99 · Wed, April 09, 2025
Is Money Stress Crushing Your Faith?
Living paycheck to paycheck can feel like a never-ending cycle of anxiety and shame. Ralph Estep Jr. gets real about the emotional toll that financial stress can take, not just on our wallets but on our entire lives. He shares relatable stories of late-night worries and grocery line fears, shining a light on how these pressures can seep into our faith and relationships. It’s a heavy topic, but Ralph doesn’t leave us hanging in despair. He offers a glimmer of hope and a clear path forward. Is Money Stress Crushing Your Faith? Remember, God meets us there. Read today's blog article Check out the full podcast episode here Ralph suggests practical steps to start shifting our mindset and finding peace amidst the chaos. This episode is both a wake-up call and a comforting embrace, reminding us that we’re not alone in this struggle and that with faith, we can break free from the chains of financial shame. Chapters: 00:21 - Understanding Financial Stress 01:37 - The Emotional Toll of Financial Shame 02:36 - The Impact of Financial Stress 03:51 - Building a Daily Spiritual Habit 05:55 - Finding Peace in Burdens 06:11 - Introduction to Budgeting and Planning Takeaways: Many of us have experienced the anxiety of money troubles, from grocery store checks to rent payments. Financial stress impacts not just your wallet but also your mind, relationships, and faith. God cares about your financial worries; you're invited to cast those burdens onto Him. Building a daily habit of prayer, even just two minutes can help ease financial anxiety. You don't have to pretend everything's okay; God knows your struggles and wants to help you. Take one financial burden today, write it down, and pray over it to find peace. LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GR
S7 E98 · Tue, April 08, 2025
Why Am I Still Broke? Uncovering The Hidden Root Causes
Today, we’re diving into the real reasons why so many of us find ourselves stuck in that paycheck-to-paycheck cycle, even if we're pulling in decent cash. It's not just about how much you make; it’s those sneaky habits and mindsets that keep us chained to financial stress. Together, we’ll explore how emotional spending and lifestyle creep can trip us up, and we'll share some practical tips to help you break free. So, grab your notepad, and let's get to work on answering the question, Why Am I Still Broke? Read today's blog article Check out the full podcast episode here Ever wonder why your paycheck disappears faster than you can say 'budget'? Ralph Estep Jr. is here to shed some light on the hidden habits that leave us broke despite making good money. It turns out that the path to financial freedom isn't just about how much cash flows into your wallet; it’s also about how you manage what you have. Ralph shares how emotional spending and lifestyle choices can lead to financial shame. We’re diving deep into the importance of distinguishing between needs and wants, along with practical steps to identify those patterns that keep us in a cycle of financial anxiety. Ralph encourages us to reflect on our spending behaviors and challenges us to make small yet impactful changes. Are you ready to take charge of your finances and step into a future free from shame? Let’s get to work! Chapters: 00:03 - Understanding Financial Struggles 01:36 - Understanding Financial Challenges: The Cycle of Lifestyle Creep 04:03 - Understanding Emotional Spending and Its Impact 06:07 - Understanding Needs vs. Wants 06:54 - Understanding Financial Needs and Wants Takeaways: Feeling stuck financially often has less to do with income and more with spending habits. We often confuse needs and wants, leading to unnecessary financial strain and anxiety. Identifying emotional spending patterns is crucial to breaking the cycle of financial shame. Creating a needs versus wants list can help clarify where your money is actually going. It's important to ask if purchases honor God's provision and align with your financial goals. Small changes in spending can lead to significant financial improvements over time. LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) <a href="https://rumble.com/c/ASKRALPHPODCAST" rel="noopener noreferrer" target="_bla
S7 E97 · Mon, April 07, 2025
Why Does Living Paycheck to Paycheck Feel So Hard to Escape?
Feel like you're on a hamster wheel—working hard, getting paid, but always feeling broke right after? You're not alone! Today, we're diving into the illusion of financial stability that many of us cling to while living paycheck to paycheck. Ralph Estep Jr. is here to help us see that this cycle isn’t just exhausting; it's also a trap that keeps us from building a solid foundation for our future. We’ll talk about how recognizing this pattern is the first step towards freedom and how to take small, actionable steps to break free from financial anxiety. Does your financial situation feel hard to escape? Read today's blog article Check out the full podcast episode here In this heartfelt discussion, Ralph Estep Jr. tackles the heavy burden of financial shame and anxiety that many of us carry. Ralph emphasizes the importance of recognizing this cycle as a trap, not a stable way of living. He shares practical steps, like keeping a financial awareness journal, to help listeners understand their spending habits. This episode is not just about the numbers; it’s about restoring hope and peace of mind. Ralph reminds us that small changes can lead to significant improvements in our financial lives. As we journey together towards financial freedom, we’ll find that we’re not alone, and with God’s guidance, we can break free from the chains of financial anxiety. Join us for this enlightening conversation and take the first step towards a brighter financial future! Chapters: 00:03 - Stuck on a Treadmill 01:34 - Breaking Free from Financial Traps 03:00 - The Impact of Financial Stress on Well-Being 04:29 - Starting Fresh: The Path to Financial Awareness 04:35 - Tracking Your Expenses: A Journey to Financial Awareness 06:42 - Understanding the Cycle of Fear and Action Takeaways: Living paycheck to paycheck can create a false sense of security that keeps us stuck. Recognizing the cycle of financial stress is the first step towards breaking free from it. Tracking every expense for a week can uncover surprising insights about your spending habits. Small steps in financial awareness can lead to significant changes in your financial future. It's crucial to acknowledge that financial issues affect more than just our wallets; they affect our peace of mind. Prayer and seeking God's guidance can provide strength and clarity in our financial journey.
S7 E96 · Sun, April 06, 2025
LIVE REPLAY: What are 11 Surprising Things the Bible Says About Wealth?
Ralph Estep Jr. and Dr. Craig Van Slyke dive into the world of biblical financial wisdom, tackling the heavy stuff like financial shame and anxiety. The main point? Wealth isn’t the enemy, but our relationship with money can seriously mess with our spiritual health. So, if you’ve ever felt weighed down by your wallet or anxious about your bank balance, you'll be interested to know what the Bible Says About Wealth! Read today's blog article Check out the full podcast episode here Ralph Estep Jr. and Dr. Craig Van Slyke dive into a thought-provoking discussion on biblical financial wisdom, addressing the often misunderstood relationship between wealth and spirituality. They challenge common perceptions, such as the belief that money is inherently evil or that wealth is a sign of divine favor. Instead, they explore 11 surprising truths from the Bible about wealth, emphasizing that money itself isn't the issue, but rather our attachment to it and how we choose to manage it. From the dangers of wealth to the blessings that it can bring when viewed through a faithful lens, the episode encourages listeners to reflect on their financial habits and consider how their faith influences their approach to money. Chapters: 00:02 - Understanding Biblical Perspectives on Money 04:07 - Exploring Biblical Wisdom on Wealth 14:12 - The Love of Money and Its Consequences 25:31 - The Test of Wealth and Generosity 28:50 - The Ripple Effect of Generosity 43:05 - The Illusion of Wealth and Contentment 53:02 - Closing Reflections and Next Steps Takeaways : Wealth can be dangerous to your spiritual health; it's a tool, not a master. God may bless you with wealth, but remember to recognize Him as the source. Contentment is better than wealth; peace and faith matter more than riches. The love of money can lead to all kinds of evil; check your motives and priorities. Resources Join Ralph's email list and get a free copy of “Mastering Your Finances” at https://askralph.com/ Craig's Podcast: Live Well and Flourish Craig's Podcast: Ai Goes to College LISTEN NOW <a href="https://www.youtube.com/channel/UC1ZyJLydWUPqYaF2mS1l1Yg" rel="noopener no
S7 E95 · Sat, April 05, 2025
Are You Struggling to Trust God with Your Finances? Find Peace and Purpose in His Plan
Are you tossing and turning at night, fretting over your finances? You’re not alone! Today, Ralph Estep Jr. dives into the heavy topic of trusting God with our money. He’s here to remind us that financial peace is possible, even when it feels like the bills are piling up! Ralph emphasizes that understanding God’s ownership of everything we have is the first step toward releasing that financial anxiety. So, if you’re ready to shift your perspective, find purpose in your finances, and take actionable steps rooted in faith, stick around and reflect on whether you've been able to Trust God with Your Finances Read today's blog article Check out the full podcast episode here In this episode of 'Ask Ralph,' financial evangelist Ralph Estep Jr. addresses the common struggle of trusting God with finances amidst economic uncertainties. Ralph emphasizes the importance of understanding that God owns everything, which shifts perspective from financial anxiety to trust in divine provision. He provides practical steps: prioritizing prayer, embracing tithing, and shifting one's mindset from worry to faith. Using biblical references and personal anecdotes, Ralph offers a foundation for financial peace by advocating for active stewardship and contentment with God's provision. Chapters: 00:28 - Finding Peace in Financial Turmoil 02:26 - Understanding God's Ownership of Finances 06:14 - Embracing Financial Faith 07:30 - Trusting God in Times of Financial Anxiety 09:30 - Finding True Peace and Contentment Takeaways: If you're tossing and turning at night worrying about money, you're not alone; let's tackle that together. Trusting God with your finances means recognizing that everything you have ultimately belongs to Him. Prayer and tithing are essential steps in building a solid financial foundation rooted in faith. Shifting your mindset from fear to trust can help you find peace with your finances. Contentment is key; it's not about how much you have but how much you trust God. Even if times are tough, remind yourself that God is always there to provide for you. LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) <a href="https://askralph-shop.fourthwall.com/?source=dashboard" rel="noopener n
S7 E94 · Fri, April 04, 2025
Want to Stop Worrying About Money? Create a Plan That Gives You Freedom and Stability
Are you tired of that knot in your stomach every time you think about your finances? Trust me, you’re not alone! Today, we’re diving into how to stop worrying about money and start living with peace. We’ll explore creating a financial plan that aligns with your faith and helps you manage God’s blessings like a pro! Imagine stepping away from that paycheck-to-paycheck grind and finding true financial freedom. So, grab your headphones and tune in if you’re ready to swap anxiety for peace and Stop Worrying About Money Read today's blog article Check out the full podcast episode here Imagine living without the relentless stress of financial chaos. Ralph Estep Jr. expertly tackles the feelings of inadequacy that often accompany financial struggles in this episode. He recognizes that many of us feel trapped by debt and the pressures of living paycheck to paycheck. With relatable anecdotes and biblical wisdom, Ralph lays out a roadmap for breaking free from these chains. He discusses the importance of having a financial plan rooted in God’s principles, encouraging listeners to shift their mindset from one of scarcity to one of stewardship. With actionable tips on budgeting and prioritizing giving, this episode is a lifeline for anyone feeling overwhelmed by their finances. Join Ralph as he inspires us to take those first steps toward freedom and stability. Chapters: 00:17 - Creating a Financial Plan Aligned with Faith 03:22 - Understanding God's Word on Financial Worry 04:22 - Understanding Biblical Stewardship 09:36 - Saving with Purpose 12:22 - Starting Small: Overcoming Financial Overwhelm 14:07 - Exploring Trust in Financial Stewardship Takeaways: Financial anxiety can feel like a heavy weight, but there's a way to break free from that worry and gain peace. God wants us to live without financial worry, trusting Him as our ultimate provider and stewarding our resources wisely. Creating a financial plan rooted in biblical principles is essential for achieving freedom and stability in life. Living within your means is key to avoiding debt and allows you to plan for the future with confidence. Saving with a purpose helps prepare for unexpected expenses and allows for generosity in times of need. Start small, track your expenses, and take one step at a time towards financial freedom and stability. LISTEN NOW WATCH NOW ON
S7 E93 · Thu, April 03, 2025
Tired of Living Paycheck to Paycheck? Let’s Build a Solid Foundation for Your Future.
Feeling the pinch at the end of the month? You’re not alone! Many of us experience that dreaded financial anxiety, staring at our almost-empty bank accounts and wondering how we’re going to make it through until the next paycheck. Today, we’re diving into an empowering conversation about breaking free from the paycheck-to-paycheck trap. Ralph Estep Jr. shares practical tips and insights rooted in faith, helping us shift our perspective on money management. The core idea? God owns it all! By understanding our role as stewards of His resources, we can start to manage our finances in a way that honors Him and leads to a more secure future. So, get ready to learn what to do if you are living paycheck to paycheck! Read today's blog article Check out the full podcast episode here Let’s unravel that feeling of financial despair together! Ralph emphasizes that it’s not just about how much money you make, but how you manage what you have. We explore actionable steps, starting with the importance of creating a God-honoring budget. Think of it as your financial roadmap, guiding you through the sometimes murky waters of spending and saving. By tracking your income and expenses, you’ll gain clarity on your financial habits, allowing you to make intentional choices that align with your values and goals. Plus, Ralph encourages us to prioritize saving, even if it’s just a small amount. Every little bit counts, and establishing a saving habit can create a buffer for those unexpected expenses that life throws our way. Chapters: 00:18 - Breaking Free from Financial Struggles 02:31 - Understanding Financial Stewardship 03:15 - Shifting Perspectives on Stewardship 06:02 - Prioritizing Savings: Building a Financial Buffer 08:11 - Understanding Financial Foundations 10:47 - Planning for Financial Freedom Takeaways: It's time to break free from that paycheck-to-paycheck cycle and take control of your finances! Understanding that God owns it all shifts our perspective on how we manage money. Creating a God-honoring budget is super important for financial stability and peace. Prioritizing savings, even a tiny bit, can really help you build a financial cushion. Remember, it's all about being a good steward of what God has given us. Change takes time, so be patient with yourself and celebrate small victories! LISTEN NOW WATCH NOW ON YOUTUBE<
S7 E92 · Wed, April 02, 2025
What 7 Daily Steps Can I Take to Rebuild My Confidence With Money?
Feeling overwhelmed by your finances? You’re definitely not alone, and today, we're diving into how we can rebuild that confidence with our money. Ralph's unpacking seven daily steps that blend financial savvy with faith, helping us align our resources with God’s purpose. This isn’t just about crunching numbers; it’s about trust and taking action, one small step at a time. So, whether you're drowning in debt or just feeling a little lost, we’ve got practical tips and encouraging insights to get you back on track and rebuild your Confidence With Money ! Read today's blog article Check out the full podcast episode here Feeling overwhelmed by finances? You’re definitely not alone! With seven super actionable daily steps, Ralph shows us how to take back control of our money while keeping our faith in focus. From starting your day with prayer to tracking every single penny—and even saving a little bit each day—these steps are not just about numbers but about aligning our wallets with our values. Plus, we hear stories from past clients who found transformative power in faith and consistent action. This episode is a treasure trove of wisdom and practical advice that makes finances feel a whole lot less scary and a whole lot more manageable! Chapters: 00:13 - Overcoming Financial Overwhelm 02:49 - Rebuilding Financial Confidence: A Journey of Hope 10:27 - Starting a New Chapter in Financial Stewardship 21:03 - Practicing Contentment and Generosity 26:33 - Building Financial Confidence Through Faith Takeaways: Starting each day with a heartfelt prayer can guide your financial decisions and provide peace. Tracking your income and expenses is crucial; awareness is key to managing your finances effectively. Saving even a small portion of your income daily demonstrates trust in God's provision for your future. Learning one biblical money principle each day can enrich your financial understanding and stewardship skills. Mentioned in this episode: Inuit Mint YNAB Every Dollar Acorns <a href="https://www.chime.com/apply-debit-credit-gb/?cadid=969363083_
S7 E91 · Tue, April 01, 2025
What’s Stopping You From Starting an Emergency Fund? Try These 5 Tips!
Imagine waking up, and your car just won't start. Yikes, right? Today, we're diving into the wild world of emergency funds and why they’re more important than your morning Starbucks coffee. In this episode, we dive headfirst into the chaos of unexpected expenses. You know, the kind that makes your heart race and your wallet scream. But worry not! I’ve got five super simple and faith-driven tips to help get you on the path to creating that safety net. By the end of our chat, you’ll be feeling all kinds of empowered to take that first step toward financial security. So, let’s roll up our sleeves and get to it! What’s Stopping You From Starting an Emergency Fund? Read today's blog article Check out the full podcast episode here In this episode, we tackle the angst of living paycheck to paycheck and how it feels like you're in an endless loop of financial despair. Ralph shares five essential steps that’ll help you start saving, even if it feels like you're starting from scratch. He’s not just throwing fancy jargon at you; he’s sharing real-life stories of folks like Brett, who went from drowning in debt to building a solid emergency fund. We’ll touch on budgeting, the power of automation, and why celebrating little victories matters. With real-life examples, you’ll see how even small steps can lead to big changes. Trust me, by the end, you'll have the tools you need to create a financial cushion that can weather any storm life throws your way. Chapters: 00:09 - Coping with Unexpected Expenses 04:19 - Building Your Emergency Fund: A New Beginning 08:39 - Starting Fresh: Building an Emergency Fund 11:47 - Practical Steps for Financial Stewardship 18:53 - Automating Your Savings for Financial Success 24:00 - Celebrating Progress and Seeking Accountability in Financial Planning Takeaways: Starting an emergency fund may feel daunting, but it’s essential for financial security. Acknowledging God's ownership over our finances can provide clarity and guidance in budgeting. Setting realistic savings goals is key—start with small amounts to build momentum. Automating your savings helps create a consistent habit of saving for emergencies and future needs. LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION)<
S7 E90 · Mon, March 31, 2025
How Do I Save My Mom From My Dad’s $200,000 IRS Nightmare – And Should I Even Try?
Ralph Estep Jr. dives right into the deep end today, tackling the massive wave of a $200,000 IRS debt that’s crashing down on a family. It’s a stressful situation, especially for the mom who’s completely in the dark about the financial mess her partner created. But don’t worry; Ralph’s here to dish out the life-saving tips on how to navigate this storm with style and grace. We chat about innocent spouse relief and the steps you can take to protect your loved ones from financial ruin. By the end of our chat, you'll be armed with practical advice and strategies to save Mom from Dad’s $200,000 IRS nightmare. Read today's blog article Check out the full podcast episode here In this episode, listener Donald reaches out for help to save his mom from his dad’s financial disaster, and Ralph jumps in with a powerful message: there’s always a way out! He breaks down the innocent spouse relief process, which is a lifeline for individuals who are caught in the financial chaos of their partners' mistakes. With a mix of heartfelt stories and practical advice, Ralph shares how to gather evidence and navigate the IRS system. He shares a compelling story about a client named Susan, who faced a similar ordeal, highlighting the importance of gathering documentation and getting professional help. Ralph also touches on the emotional aspects of getting involved in family financial issues, emphasizing the need for open communication and setting boundaries to protect your own well-being. By the episode’s conclusion, listeners will be armed with knowledge and a sense of hope, ready to tackle their financial challenges head-on. Chapters: 00:12 - Navigating Financial Storms 05:13 - Navigating Financial Crisis: The Story of Susan 09:47 - Understanding Innocent Spouse Relief 10:20 - Understanding Innocent Spouse Relief 20:09 - Navigating Family Dynamics During Tax Issues 22:55 - Navigating Family Financial Challenges Takeaways: Dealing with a $200,000 IRS debt can feel like a nightmare for your family, but there are ways to tackle it. Innocent spouse relief is a crucial tool that can help protect your mom from your dad's financial mess. Gathering the right documents is key to proving your mom's lack of knowledge about the debt situation. Supporting your mom emotionally during this crisis is just as important as the financial steps you take. Remember to set boundaries and communicate your level of involvement clearly with your parents. Consulting a professional is highly recommended; this isn’t a DIY weekend project! <a href="https://www.ask
S7 E89 · Sun, March 30, 2025
How Can I Turn My Paycheck Into Purpose?
Are you stuck in the daily grind and feeling like your paycheck is just a ticket to nowhere? Well, buckle up, because Ralph Estep Jr. is here to help us flip that script! Today, we’re diving deep into how to turn that paycheck into a powerful tool. We’ll explore aligning your work and finances with your faith so you can finally find that peace and fulfillment you’ve been craving and turn your Paycheck Into Purpose! Read today's blog article Check out the full podcast episode here Ralph Estep Jr. is on a mission to help us break the cycle of financial shame and find purpose in our paychecks. Is your job leaving you feeling empty? Ralph digs into this universal struggle, sharing personal anecdotes and insightful lessons on how to transform that paycheck into a powerful tool for God’s purpose. Through the lens of faith, he helps us see our work as not just a means to an end, but as a calling. Listeners are treated to a mix of biblical wisdom, practical financial tips, and heartwarming stories that highlight the journey from despair to empowerment. Ralph illustrates how aligning our financial decisions with our values can lead to greater peace and fulfillment. So, if you've ever felt like you’re just going through the motions at work, tune in! Ralph’s insights might just inspire you to view your paycheck in a whole new light. Chapters: 00:09 - Transforming Your Paycheck into Purpose 02:34 - Finding Purpose in Your Paycheck 10:57 - Finding Purpose in Financial Stewardship 22:11 - Building Financial Peace and Community Support 31:00 - Overcoming Limiting Beliefs About Money Takeaways: Finding purpose in your paycheck can transform the way you view your job and finances. Aligning your work with your Christian values can lead to greater fulfillment and peace. Breaking free from financial shame starts with acknowledging your struggles and seeking support. Generous giving and conscious spending can help you find deeper meaning in your financial decisions. Setting God-honoring financial goals is crucial for achieving financial freedom and spiritual growth. Overcoming limiting beliefs about money is essential to transforming your financial journey. LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VI
S7 E88 · Sat, March 29, 2025
Who Pays the Bills When Your Grown Kids Won’t Fly the Coop?
Are your adult children still crashing at home? Well, you’re definitely not alone! Today, we’re diving into a listener's heartfelt question about the tricky situation of supporting grown kids who just won’t leave the nest. We’ll dish out some down-to-earth advice, sprinkle in a bit of biblical wisdom, and share some real-life success stories to help you tackle this dilemma head-on. We’re talking about the hidden costs of keeping them around, setting those all-important financial boundaries, and even addressing some of that sibling rivalry that might be brewing. So, if you've ever wondered who pays the bills if your kids won't fly the coop , this one is for you. Read today's blog article Check out the full podcast episode The struggle is real! Supporting adult children who still live at home can be a major financial strain for parents, and today we tackle just that. With real-life stories and biblical insights, we explore why your kids might be lingering longer in the nest. Is it student debt? A tough job market? Or is it just too comfy at home? We dig into the numbers—like how $227,000 can vanish from your retirement savings because of this! But don’t worry; we’ve got your back with practical strategies to set boundaries and encourage your adult children to step out on their own. Whether it’s tracking expenses or considering charging a bit of rent, we cover it all while keeping it light-hearted and relatable. You’re not alone in this, and we’re here to help you find that balance between love and responsibility! Podcast Timestamps: 00:07 - Navigating the Challenges of Supporting Adult Children 03:19 - Navigating the Financial Burden of Adult Children Living at Home 14:21 - Setting Boundaries with Adult Children 31:29 - Encouraging Independence in Adult Children 40:41 - Actionable Advice for Parents: Fostering Financial Independence 49:43 - Effective Communication with Adult Children 55:49 - Navigating Financial Independence for Adult Children Takeaways: Navigating the financial support of adult children can be super tricky, but understanding their reasons for staying home is key to finding solutions. It's crucial to set healthy financial boundaries with your adult kids to protect your own future while still giving them support. Communication is everything! Having open discussions about finances and expectations can prevent misunderstandings and foster independence. Don't forget the biblical principles—seeking God's guidance can help you make wise decisions in supporting your adult children without compromising your own needs. <
S7 E87 · Fri, March 28, 2025
Can't Pay the IRS? How can you Avoid Major Penalties with These 4 Strategies?
Feeling the IRS pressure? You're definitely not alone! Today, Ralph Estep Jr. dives into the nitty-gritty of what to do when you can’t pay Uncle Sam. We’re laying down four simple strategies to help you dodge those pesky penalties and regain your financial footing. By the end of our chat, you’ll be packing away that stress and stepping into the light of confidence by learning 4 strategies to avoid major IRS penalties. Read today's blog article Check out the full podcast episode here Ever felt that heart-stopping moment when you realize you owe the IRS more than you can handle? Well, fear not! Ralph Estep Jr. is back to guide us through the stormy seas of tax debt. This episode is all about tackling that elephant in the room: what do you do when the IRS comes knocking with their hefty price tag? Ralph doesn’t just throw a lifeline; he dives right into the water, providing us with actionable strategies to keep us afloat. He emphasizes the golden rule: file on time, even if you can’t pay. This simple act can save you from a world of hurt when it comes to penalties. Ralph shares stories that resonate, like that of Hector, who felt buried under his tax bill. But with Ralph’s guidance, Hector found a way to communicate with the IRS and set up a manageable payment plan. Throughout the episode, Ralph encourages us to take proactive steps, explore payment solutions, and even seek penalty relief. His mastery of the subject shines through as he breaks down complex concepts into bite-sized pieces, making tax talk feel less like a chore and more like a team effort. By the end of the show, listeners are not just armed with knowledge but are also encouraged to take action and reclaim their financial peace of mind. Let’s turn that tax frown upside down! Chapters: 00:09 - Dealing with IRS Debt 00:28 - Understanding IRS Penalties and Solutions 12:15 - Seeking Penalty Relief 14:32 - Navigating IRS Penalties and Grace 22:56 - Navigating Tax Debt with Faith and Strategy Takeaways: Feeling overwhelmed by tax debt is super common, and you're definitely not alone in this struggle. Filing your taxes on time is crucial, even if you can’t pay right away; it helps avoid hefty penalties. Communication with the IRS is key; ignoring them only makes things worse, so reach out and talk options. Exploring payment plans can ease your burden—don’t jump into one that you can’t afford, that’s just asking for trouble. LISTEN NOW <a href="https://www.youtube.com/chann
S7 E86 · Thu, March 27, 2025
5 Important Things That Disappear When You Retire – Are You Ready?
Today, we’re diving into the not-so-golden side of retirement. Spoiler alert: it’s not just about kicking back with a cold drink and enjoying endless naps. We’re chatting about five crucial things that tend to vanish when you retire, like your structured routine, sense of identity, and social circles. Trust me, these changes can hit you like a ton of bricks if you're not ready for them. But don’t sweat it—we’re here to help you navigate these transitions with some handy tips and a sprinkle of faith. By the end of this episode, you’ll be armed with a game plan to address those important things that disappear when you retire! Read today's blog article Check out the full podcast episode here Retirement is more than just a transition; it’s a transformation! Ralph Estep Jr. takes us on a journey through the five significant shifts that happen when you retire. He discusses how the absence of a structured routine, a change in identity, and shifts in social circles can really shake things up. But it's not all doom and gloom! Ralph provides actionable strategies to help ease the transition, encouraging listeners to embrace new roles, seek community involvement, and redefine their purpose. Ralph reminds us that retirement is just another season in life, filled with opportunities to serve others and grow in faith. So tune in, because this episode is packed with gems that will inspire you to make your retirement truly remarkable! Chapters: 00:06 - Understanding the True Facets of Retirement 03:36 - Navigating the Transition to Retirement 12:41 - Navigating Changes in Retirement 23:12 - Navigating Retirement: Finding Purpose and Structure 26:04 - Navigating Retirement: Planning for Purposeful Living Takeaways: Retirement isn't just about how much cash you have; it's about finding new meaning and purpose in life. As you step into retirement, expect a major shift in your daily routine and identity, and learn how to navigate it gracefully. Maintaining a structured routine in retirement can boost your mental health and overall happiness, so keep a daily schedule! Cultivating new friendships and nurturing old ones will help combat loneliness and enrich your retirement experience. Explore new roles and opportunities in your community to redefine yourself and find satisfaction beyond your old job. Embrace the freedom of retirement by setting goals and discovering hobbies that spark joy and keep your mind active. LISTEN NOW <a href="https://www.youtube.com/channel/UC1ZyJLydWU
S7 E85 · Wed, March 26, 2025
How Can You Budget When Paychecks Are Unpredictable?
Struggling to budget because your paycheck feels like a game of roulette? You’re not alone, and I’m here to help! Today, I’m diving into seven super practical tips to help you manage your finances, especially when the income rollercoaster has you feeling like you’re on a wild ride. We’ll explore how to create a budget that works for you, even when your income decides to play hard to get. By the end, you’ll be armed with the tools to tackle those financial waves with confidence and maybe even a little swagger. So, grab your favorite drink, kick back, and let’s get this financial party started and learn what to do if your paychecks are unpredictable . Read today's blog article Check out the full podcast episode here Financial management can be a wild rollercoaster ride, especially when your paycheck looks like a game of hopscotch—one month you're flying high, and the next, you’re down in the dumps. Ralph Estep Jr. dives right into this financial conundrum, sharing some golden nuggets of wisdom for those of us who feel like we're walking a tightrope between payday and poverty. With a promise to empower you by the end of the episode, Ralph lays out seven practical tips to help you budget like a pro, even when your income is as unpredictable as the weather in spring. Chapters: 00:08 - Managing Unpredictable Finances 01:25 - Understanding Financial Uncertainty 09:11 - Budgeting Basics: Laying the Foundation for Financial Success 19:35 - Prioritizing Financial Needs and Christian Values 25:26 - Preparing for Irregular Income and Expenses 28:32 - Embracing Contentment and Community in Financial Stewardship From establishing a solid foundation rooted in faith to tracking your financial flow with precision, Ralph’s approach is refreshingly down-to-earth. He emphasizes the importance of distinguishing between needs and wants, teaching us that while splurging in good months might feel like a win, it can leave us scrambling during leaner times. By sharing relatable stories, like that of Fiona, a freelance designer who learned to navigate her fluctuating income, Ralph illustrates that with the right strategies, financial peace isn't just a pipe dream—it’s totally achievable. Ralph encourages us to build an emergency fund—what he calls our financial ‘ark’—to shield us from unexpected storms. He also stresses the significance of preparing for the seasons of financial flux, helping us establish a sinking fund for those big expenses that often creep up on us faster than we expect. In a nutshell, this episode is about taking control of your finances, aligning your spending with your values, and finding that sweet spot of financial confidenc
S7 E84 · Tue, March 25, 2025
Is Cheap Advice Really Worth the Price?
Cheap tax and accounting advice might sound like a sweet deal, but it can turn into a financial trap faster than you can say "audit." Today, we're diving into why investing in good guidance is like putting on a financial superhero cape—totally worth it! We’ll chat about the hidden costs of free advice and how those seemingly harmless shortcuts can lead to expensive mistakes. Plus, I'm here to give you some solid steps to break free from the chaos of tax confusion. Stick around because by the end of this episode, you’ll be ready to tackle your finances with way more confidence—and maybe a little less stress! Is cheap advice really worth it in the long run? Read today's blog article Check out the full podcast episode here Struggling with taxes? You’re not alone, and today’s show is all about helping you break free from the confusion! Ralph Estep Jr., our financial evangelist, dives deep into why cheap tax advice can often end up costing you more than you bargained for. He tackles the emotional and financial toll that comes with relying on free online resources, sharing relatable stories that will make you nod in recognition. Ralph discusses real-life scenarios where people thought they were saving money, only to find themselves buried in penalties and stress. With a mix of humor and hard-hitting truths, he outlines the benefits of seeking professional advice, from personalized strategies to proactive planning. It’s not just about avoiding mistakes; it’s about maximizing your financial potential and achieving those long-term goals. By the end of this episode, you'll be ready to take the leap towards investing in quality tax guidance and steering clear of the chaos of cheap advice. Tune in, and let’s turn your financial fears into confidence! Takeaways: Navigating taxes with cheap advice can lead to costly mistakes and penalties down the road. Trust me, nobody wants that kind of surprise! Investing in professional tax advice not only saves you money but also provides peace of mind during stressful financial moments. Free tax help sounds great, but it often lacks the personalized strategies that can make a real difference to your financial health. The emotional toll of DIY tax work can be overwhelming; professional advisors provide support and guidance when you need it most. Missed opportunities for tax savings could haunt you if you rely solely on free resources that don’t cater to your unique situation. To really thrive financially, aligning your tax decisions with your personal values can lead to better stewardship and overall well-being. Chapters: 00:08 - The Value of Professional Tax Advice 05:
S7 E83 · Mon, March 24, 2025
What Is the Taxpayer Advocate and How Can They Help Me?
Feeling overwhelmed by the IRS? You’re not alone, and today, we're diving into a lifeline that could turn your tax troubles around—the Taxpayers Advocate Service (TAS). This episode is all about how TAS can help you navigate the confusing tax maze and get the fair treatment you deserve. We’ll break down what TAS does, how they can step in when you feel like you're hitting a wall with traditional IRS channels, and the concrete steps you can take to ease that tax stress. So, if you've ever felt like your tax problems are just being swept under the rug, stick around! We're here to help you find some clarity and hope in this taxing situation by using the taxpayer advocate service. Read today's blog article Check out the full podcast episode here We dive into the Taxpayer Advocate Service (TAS) and how they can be your superhero in the tax world today. Picture this: you’ve tried calling the IRS, sent documents, and still feel like you’re screaming into the void. TAS is here to swoop in and save the day. They are the friendly folks at the IRS who actually care about taxpayers like you and want to help make sense of the chaos. We’ll explore the ins and outs of how TAS operates, the specific situations they can assist with, and why knowing about this service can transform your tax stress into relief. Whether you're stuck in a paperwork maze or just need some clarity on tax notices that look like they were written in a different language, TAS is your go-to. So, sit back, relax, and let’s uncover how this service can be your guiding light in the stormy seas of tax season! Takeaways: The Taxpayers Advocate Service is like your personal superhero when dealing with tax issues, swooping in to save the day! Feeling lost in IRS paperwork? The TAS can help clarify those confusing notices that make you want to pull your hair out. If you've hit a wall with the IRS, the TAS is your go-to resource for getting things unstuck and moving forward again. TAS helps not just individuals but also small businesses navigate their tax troubles and ensures they get fair treatment. You can contact TAS after you've tried the usual IRS channels, so remember to gather all your info first! They also tackle systemic problems within the IRS, advocating for changes that benefit all taxpayers, making them true champions for the people. Links referenced in this episode: Ask Ralph Blog https://www.askralphpodcast.com/blog/ Support the Show https://askralph
S7 E82 · Sun, March 23, 2025
How Do I Maintain My Faith During Difficult Economic Times?
Feeling crushed by money woes? You're definitely not alone! In today’s chat, we're diving deep into how to keep your faith strong even when your finances feel like they’re pulling a fast one on you. We’ve got some real talk on practical steps to navigate those tough times while leaning on God. Plus, we’re sharing inspiring stories of those who’ve found their way through the storm and come out stronger on the other side by having faith during difficult times. Read today's blog article Check out the full podcast episode here Financial stress can feel like an uninvited guest that just won't leave, right? We’ve all been there—nights spent tossing and turning, worrying about bills, jobs, and that ever-elusive dream of financial freedom. In today’s chat, we dive into the deep end of maintaining faith during tough economic times. We’re not just talking about putting on a brave face; we’re getting real about how a solid relationship with God can help us navigate these choppy waters. By the end of this episode, you’ll have some concrete steps to not only manage your finances but to do so with a heart full of hope and trust in God’s provision. So grab a snack, kick back, and let’s uncover the light at the end of the financial tunnel together! Podcast Timestamps: 00:17 - Finding Hope Amidst Struggles 03:03 - Finding Hope in Financial Hardship 08:45 - Overcoming Financial Struggles Through Faith 18:09 - Finding Hope and Resilience in Faith 19:20 - Navigating Financial Challenges with Faith Takeaways: Maintaining your faith during tough financial times is crucial for your mental health and well-being. Prayer and scripture study can guide you through economic struggles, providing peace and reassurance. Practicing generosity, even when funds are low, shows trust in God's provision and can foster community support. Being wise with your finances, like budgeting and avoiding unnecessary debt, helps manage stress and provides clarity. Links referenced in this episode: Ask Ralph Blog https://www.askralphpodcast.com/blog/ Support the Show https://askralphpodcast.com/support Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group Ask Ralph Show Live https:// <a href="http://askralphpodcas
S7 E81 · Sat, March 22, 2025
Why Can’t We Quit Paper Checks—and Are Scammers Cashing In?
Are you feeling weighed down by debt or worried about your parents' finances? Well, you’re in good company! Today, we’re diving into these heavy topics with some real talk and a sprinkle of humor. We’ll tackle the struggles of feeling judged for renting instead of owning and how to navigate the tricky waters of financial responsibility for loved ones. Plus, we’ve got our awesome co-host Craig Van Slyke joining the fun, sharing his insights from the world of academia and beyond. So, grab your headphones and get ready for some practical tips that'll hopefully lighten your financial load! Read today's blog article Check out the full podcast episode here Have you ever felt like your financial situation is a never-ending spiral of doom? Well, you're not alone! In this episode, we dive headfirst into the murky waters of money troubles, touching on the real struggles of debt, renting vs. owning, and the financial safety of our aging parents. With our special guest Craig Van Slyke, who just relaunched his own podcast, we explore the emotional weight of financial stress and share some practical tips that are almost as good as finding a twenty-dollar bill in your old jeans. We start off with a listener who's feeling the pinch of debt and even considering bankruptcy. Together, we unpack that shame and guilt, offering biblical wisdom and a whole lot of understanding. Here’s the kicker: You don’t have to face this struggle solo! By sharing your burdens with trusted friends or even talking to a financial advisor, you can find a way out of the darkness. As we keep it light and fun, we sprinkle in some humor (because who doesn’t love a good laugh about money troubles?), and remind everyone that God’s grace can guide you through the toughest financial times. So grab your favorite snack, kick back, and let’s tackle these questions with a smile! Takeaways: Managing debt can feel like climbing a mountain, but with the right tools, you can conquer it and find your peace. Trust me, it’s a journey worth taking! Renting doesn’t equal failure, it’s just a different path that might be better for your wallet right now. Let's celebrate those choices, not judge them! If you’re worried about your parents' finances, remember it’s all about respect and gentle guidance. They’ve lived their lives a certain way, and change can be tough! Navigating societal expectations about money can be like walking through a minefield—everyone has an opinion, but your financial journey is yours alone. Embrace it! Bankruptcy isn’t a scarlet letter; it's a tool for those who really need it. Just make sure you’re making informed choices before diving in! Learn from your financial
S7 E80 · Fri, March 21, 2025
Are These Common Banking Habits Draining Your Wallet?
Are you tired of feeling like your wallet is always on a diet? Well, today we're diving into the sneaky banking habits that might be silently draining your finances faster than you can say "overdraft fee." From those pesky ATM charges to the art of neglecting budgets, we’re shining a light on what’s really making your bank account feel like a desert. By the end of this episode, I promise you'll walk away with some solid steps to regain control and align your spending with good ol' Christian principles. So, grab your favorite drink, kick back, and let’s get ready to tackle those financial gremlins together—starting with Common Banking Habits Draining Your Wallet. Read today's blog article Check out the full podcast episode here Feeling like your wallet is always empty? You’re not alone! In this episode, we dive into the sneaky banking habits that could be draining your finances-from the dreaded ATM charges to neglecting budgets, these sneaky little buggers can pile up and leave you feeling stressed and overwhelmed. We share personal stories, like Jeffrey's, who learned the hard way about the impact of small, seemingly insignificant habits. Spoiler alert: once he started tracking his spending and budgeting, he turned his financial life around! By the end of this episode, you’ll have actionable tips to kick those bad habits to the curb and align your spending with good old Christian principles. So grab your notepad; it’s time to take control! Podcast Timestamps: 00:00 Episode Overview 02:51 Listener's Question: Identifying Financial Struggles 04:32 If You Have A Question You'd Like Answered, Head Over To https://justaskralph.com/ 04:52 Bible Verse: Luke 16:10-12 05:35 Today’s Gratitude Statement 06:14 Client Story: Overcoming Financial Challenges 10:00 Common Banking Habits Draining Your Wallet 10:04 Habit 1: Overdraft Fees 13:00 Habit 2: ATM Fees 15:19 Habit 3: Not Taking Advantage of Discounts and Offers 19:44 Habit 4: Neglecting to Budget and Track Expenses 23:12 Habit 5: Ignoring Small Expenses 27:02 Ask Ralph Show Live https:// askralphpodcast.com/live 28:13 Habit 6: Complacency and Sloppy Banking Practices 31:35 Join the Ask Ralph Newsletter http://askralphpodcast.com/newsle
S7 E79 · Thu, March 20, 2025
Are Car Dealers Using the 4-Square Method to Outfox You?
Are you feeling like a deer in headlights when it comes to buying a car? Don’t worry, we’ve got your back! Today, we’re diving into the sneaky "four square method" that car dealers love to use to keep you confused and feeling outfoxed. Trust me, this tactic is designed to make you focus on those monthly payments while they pull a fast one on the other numbers. But by the end of this episode, you'll be armed with some savvy tips to dodge those traps and snag a fair deal. So, buckle up and let’s hit the road to car-buying wisdom together as we break down the ins and outs of the 4-Square Method ! Read today's blog article Check out the full podcast episode here Navigating the car buying jungle can feel like you're walking into a den of wolves, right? One minute you think you’ve found the perfect ride, and the next you’re tangled in a web of confusing numbers and slick sales tactics. So, let’s talk about this sneaky little trick called the four square method. It’s a classic car dealer move that’s designed to keep you focused on the monthly payment while they play a game of number shuffle behind the scenes. In this episode, Michael reached out after feeling like he’s been outsmarted at the dealership, and we’re here to help him—and you—navigate through this financial maze. You’ll learn how to see through the smoke and mirrors, focus on the total cost of the car, and avoid getting locked into a bad deal. By the end, you’ll be a car-buying ninja, ready to take on any dealer who tries to pull a fast one on you. Tune in and take charge of your next car purchase! Podcast Timestamps: 00:00 Episode Overview 02:22 Listener's Question: Michael's Car Buying Struggle 03:52 If You Have A Question You'd Like Answered, Head Over To https://justaskralph.com/ 04:12 Biblical Verse - Proverbs 14:15 06:03 Breaking Down the Four Square Method 07:02 Beverly's Overwhelming Car-Buying Experience 08:32 Tips to Avoid Being Tricked by Car Dealers 23:17 Join the Ask Ralph Newsletter http://askralphpodcast.com/newsletter for Daily Encouragement & Financial Tips! 24:42 Visit https://www.askralphpodcast.com/blog/ for Free Financial Resources 24:53 Reflection Questions 26:39 Closing Takeaways: Feeling overwhelmed by car dealers? You're not alone, and we totally get it! The fou
S7 E78 · Wed, March 19, 2025
Is Your Credit Card Costing You More Than You Think?
Ever felt like your credit card is this sneaky little gremlin in your wallet, whispering sweet nothings while it drains your bank account? Today, we’re diving into the true cost of credit card debt and how it could be secretly sabotaging your financial future. If you’re feeling trapped in a storm of plastic and interest rates, stick around! By the end of this episode, I promise you’ll have some practical steps to break free and find financial peace. We’ll talk about hidden fees, credit scores, and how to manage your debt the good ol' way—God’s way. So, grab your favorite snack, kick back, and let’s tackle this together! Is your credit card costing you more than you think? Let’s find out. Read today's blog article Check out the full podcast episode Got credit card debt nipping at your heels? You’re not alone! This episode dives deep into the sneaky ways credit cards can mess with your finances. Picture this: it’s like having a tiny voice in your wallet, whispering sweet nothings about instant gratification while secretly draining your bank account. Ralph Estep Jr. breaks down the real cost of credit card debt—it's not just about the numbers, it’s a whole emotional rollercoaster. From hidden fees to credit scores, we cover all the bases, ensuring you leave with practical steps to reclaim your financial peace. If you’re feeling overwhelmed like our listener Cora, who shared her struggle with anxiety and debt, tune in to discover that there’s hope. We’ll explore how to manage your credit card debt in a way that aligns with your values and faith. Buckle up; it’s going to be an eye-opening ride! Podcast Timestamps: 00:00 Episode Overview 02:47 Listener's Question: Cora's Struggle with Credit Card Debt 04:30 Bible Verse: Romans 13:8 05:05 Today’s Gratitude Statement 05:46 The Cost of Debt: Meredith’s Wake Up Call 07:27 Understanding the Psychological Traps of Credit Card Use 11:32 Credit Scores 17:31 Practical Ways To Battle The Psychological Factors Of Credit Card Use 22:32 Practical Ways to Get Back on Track 24:58 Call to Action: Visit https://askralph.com/ to Book a Call With Ralph 25:22 Join the Ask Ralph Newsletter http://askralphpodcast.com/newsletter for Daily Encouragement & Financial Tips! 26:58 Reflection Questions 28:37 Mail Bag: Listener Feedback and Encouragement 29:37 Share Your Story With Ralph! Email Ralph Directly At <a href="mailto:ralph@askralph.com" re
S7 E77 · Tue, March 18, 2025
Are You Still on the Hook With the IRS? How Far Back Can They Claim You Owe?
Are you lying awake at night, worried the IRS might show up at your door like a surprise party you never wanted? We’re diving into the nitty-gritty of the IRS tax debt statute of limitations today, answering the burning question: how far back can they come after you for those taxes? Trust me, if you’ve felt the weight of tax debt, this episode is your golden ticket to some peace of mind. We’ll break down your rights and responsibilities, and even sprinkle in some biblical wisdom to guide you through the chaos. So grab a comfy seat, because we’re all about moving from fear to empowerment, one tax question at a time. But the big question remains—Are You Still on the Hook With the IRS ? How Far Back Can They Claim You Owe? Read today's blog article Check out the full podcast episode here Waking up in a cold sweat thinking about the IRS? Yeah, we’ve all been there, right? Taxes can be a real nightmare, especially when you’ve got a backlog stretching back years. But hey, don’t panic! In this episode, Ralph dives deep into the murky waters of IRS tax debt and the infamous statute of limitations. Picture this: the IRS generally has a 10-year window to collect what you owe, like a pesky mosquito buzzing around your ear that just won’t go away until you swat it. But there’s hope, and Ralph’s here to help you navigate through the tax jungle with wit and wisdom. He shares stories, like that of Travis, who learned the hard way about the consequences of ignoring tax obligations. Spoiler alert: it’s way better to file your taxes, even if you can't pay, because that little action kicks off the 10-year countdown. So grab your favorite snack, kick back, and let’s unravel this tax mystery together! Podcast Timestamps: 00:00 Episode Overview 02:43 Listener Question: Naomi's Tax Debt Fear 04:05 If You Have A Question You'd Like Answered, Head Over To https://justaskralph.com/ 04:27 Biblical Guidance on Tax Responsibilities 05:02 Today’s Gratitude Statement 05:33 Travis' Story: Overcoming Tax Debt 06:44 IRS Statute of Limitations Explained 08:44 Exceptions to the 10-Year Rule 13:38 Steps to Address IRS Tax Claims 16:12 IRS Resources for Tax Debt Help 19:11 Taxpayer Advocate Service - You can call them at 877-777-4778 21:15 Christian Principles and Tax Debt 24:20 Common Reasons for Falling Behind on Taxes 29:03 Visit https://www.askralphpodcast.com/blog/ for Free
S7 E76 · Mon, March 17, 2025
Are You Following the World's Wisdom or God's Wisdom in Your Finances?
Ever feel like you’re stuck in a money rut, just spinning your wheels? Well, today we’re diving into the question of how to ditch the world’s wisdom about finances and embrace God’s guidance instead. If you’ve ever found yourself overwhelmed with debt and pressured to keep up with everyone else, you’re definitely not alone. In this episode, Ralph provides some real talk about breaking free from that stress and aligning your financial decisions with your faith. So, let’s get cozy, grab a snack, and figure out how to find peace and freedom in your financial journey together—by seeking wisdom in your finances. Read today's blog article Check out the full podcast episode here Feeling like you're on a financial treadmill, working hard but getting nowhere? Yeah, I totally get it. This episode dives into the struggle many of us face between the world’s money advice and what God has to say about it. Ralph Estep Jr., our financial evangelist, takes us on a journey from chaos to clarity. He kicks things off with a heartfelt letter from a listener named Lisa, who's feeling buried under a mountain of debt and societal pressure to keep up with the Joneses. Together, we explore how to pivot from worldly wisdom—where success is measured by what you own—to embracing God's wisdom, which teaches us to be stewards of what we have. By the end of our episode, you’ll have some solid tools and practical steps to align your finances with your faith, because trust me, there’s a peace that comes when you finally let go of the financial stress and start living God’s way. Podcast Timestamps: 00:00 Episode Overview 03:04 Listener's Question: Lisa's Financial Dilemma 05:01 If You Have A Question You'd Like Answered, Head Over To https://justaskralph.com/ 05:14 Biblical Guidance for Financial Freedom 06:01 Today’s Gratitude Statement 06:35 Frank’s Financial Life Transformation 09:06 Contrasting Worldly and Godly Wisdom 15:32 Action Steps for Financial Freedom 23:17 Visit https://www.askralphpodcast.com/blog/ for Free Financial Resources 23:37 Reflection Questions 25:06 Key Takeaways From This Episode 25:46 Join the Ask Ralph Newsletter http://askralphpodcast.com/newsletter for Daily Encouragement & Financial Tips! 27:19 Closing Takeaways: Feeling like you'
S7 E75 · Sun, March 16, 2025
Is It Time to Redefine What Being Rich Means to You?
Ready to rethink what being rich really means? Today, we’re diving deep into the idea that true wealth isn’t just about fat bank accounts and fancy cars. Nope, it’s about living a life packed with purpose, joy, and meaningful connections. In this episode, let's talk about how chasing after money can often leave us feeling emptier and unfulfilled So, grab your favorite snack and let’s explore how embracing a Christ-centered view of abundance can lead us to a more fulfilling life. Trust me, it’s gonna be a ride—one that will reshape your perspective on what being rich means. Read today's blog article Check out the full podcast episode here Ralph dives into the topic of redefining wealth and what it truly means to be rich in today’s hustle-bustle world. He kicks things off by posing a thought-provoking question: Is financial wealth really the ticket to happiness, or is it just a mirage? Picture this: you’re at the edge of a desert, and the sparkling oasis of riches seems just a sprint away. But the closer you get, the more it slips away. Ralph shares that true abundance isn’t about the size of your bank account, but the richness of your life experiences. He reminds us that chasing money often leads to a cycle of dissatisfaction and emptiness, as countless millionaires can attest. Instead, he encourages us to focus on building strong relationships, finding purpose, and nurturing our spiritual well-being. After all, who needs a yacht when you can have a fulfilling life filled with love and meaningful connections? Throughout the episode, Ralph weaves in stories and examples that resonate, urging us to think about what really brings us joy. From community gardens to mentoring youth, he emphasizes that true wealth comes from giving back and fostering connections. He introduces the 'golden triangle of happiness' from a 2024 study, which includes financial stability, strong relationships, and meaningful achievements. Ralph’s passion shines through as he calls us to align our resources with God’s purpose, highlighting that our worth isn’t tied to our finances but to our identity as God’s children. He wraps up with a prayer, inviting us to reflect on our definitions of wealth and encouraging us to embrace a holistic view that prioritizes love, purpose, and fulfillment over mere materialism. Podcast Timestamps: 00:00 Episode Overview 02:08 Biblical Perspective on True Wealth 05:11 Redefining Wealth: A Holistic Approach 07:16 Meaningful Achievements and Community Impact 09:14 Everyday Achievements That Can Bring Fulfillment 11:53 Biblical Principles: The Antidote to Emptiness 16:34 Steps to C
S7 E74 · Sat, March 15, 2025
LIVE SHOW REPLAY: What's Changing in Your 401(k) in 2025—and What Does It Mean for You?
Today, we're diving into the nitty-gritty of financial freedom, and spoiler alert: it’s all about breaking free from that pesky financial stress. Our financial evangelist, Ralph Estep Jr., is here to guide us through some serious financial discussions, whether you're eyeing that Secure Act 2.0 and how it impacts retirement savings or pondering the mysterious Form 8606. We're also covering the wild world of side hustles—yes, those little gigs that can help fatten your wallet without taking over your life. So if you're ready to take control of your finances and maybe even laugh a little along the way, stick around. This episode is packed with tips, tricks, and a sprinkle of humor to keep us all motivated on our journeys to financial success-including a deep dive into what's changing in your 401(k) in 2025 and how it could impact your retirement planning. Read today's blog article Check out the full podcast episode here Crushed by debt and stuck in the paycheck-to-paycheck grind? Fear not! Ralph Estep Jr. is here to guide you through the chaos of financial despair with his show, Ask Ralph. Today, Ralph dives deep into retirement planning, especially for those in their 60s, as he unpacks the Secure Act 2.0 and its catch-up contributions. He keeps it light and relatable, reminding us that retirement doesn’t have to mean the end of working; rather, it can be a transition into something even more fulfilling. Plus, he’s got the scoop on Form 8606 — a tax form that can save you from financial headaches down the line. For anyone eyeing a side hustle, Ralph shares some fun ideas that could put extra cash in your pocket without the stress of a second job. Spoiler alert: it involves dogs and focus groups! So, grab a snack, tune in, and let’s get our financial futures on track! Podcast Timestamps: 00:00 Episode Overview 00:59 Guest Introduction: Dr. Craig Van Slyke and His Podcast AI Goes To College https://aigoestocollege.com/ 01:19 Listener Question #1 Understanding Secure Act 2.0 and Catch-Up Contributions 02:33 If You Have A Question You'd Like Answered, Head Over To https://justaskralph.com/ 02:46 Bible Verse: Proverbs 21:20 03:18 Detailed Breakdown of Catch-Up Contributions 06:34 Balancing Retirement Savings and Debt 09:04 Honoring God with Your Retirement Plans 17:23 Listener Question #2: Form 8606 - What You Need to Know 18:10 What is Form 8606? 19:35 Who Needs to File F
S7 E73 · Fri, March 14, 2025
Confused About How Your Rental Property Affects Your Taxes?
Are rental property taxes giving you a headache? Don’t worry, we’re diving into the nitty-gritty of rental property taxes today! We’ll break down everything from dreaded IRS audits to those sneaky red flags you should avoid like the plague. Plus, I’ll dish out some practical tips on how to maximize your deductions and minimize your tax liability—because who doesn’t want a little extra cash in their pocket? So, if you’re feeling lost in the maze of rental property taxes, grab a snack, kick back, and let’s navigate this together to ensure you’re making the most of Your Rental Property. Read today's blog article Check out the full podcast episode here Navigating the maze of rental property taxes can feel like trying to find your way out of a corn maze while blindfolded. I mean, who even wants to mess with the IRS? In this episode, we dive deep into the nitty-gritty of rental property taxes, starting with a listener question from Lisa. She recently inherited a rental property and is drowning in tax-related confusion. We empathize with her and break things down, explaining everything from rental income to deductible expenses. Think of it as a crash course in not getting audited! We also share some common pitfalls to avoid, like mixing repairs and improvements, and the importance of keeping a separate bank account for rental income. Trust me, your future self will thank you when tax season rolls around and you’re not scrambling to find receipts. So grab a cup of coffee (or something stronger) and let’s tackle those tax fears together! Podcast Timestamps: 00:00 Episode Overview 01:57 Listener’s Question: Inherited Rental Property 03:44 If You Have A Question You'd Like Answered, Head Over To https://justaskralph.com/ 03:59 Case Study: Timmy's Rental Property Challenges 06:10 Understanding Rental Income and Expenses 07:55 Deductible Expenses 10:14 Common Mistakes and How to Avoid Them 16:49 Common Red Flags to Watch Out For 30:19 Tips to Avoid These Common Red Flags 32:02 Action Steps for Rental Property Owners 33:18 Visit https://www.askralphpodcast.com/blog/ for Free Financial Resources 33:43 You Can Support the Show by Visiting https://askralphpodcast.com/support 34:22 Key Takeaways From This Episode 34:37 Call to Action: Visit <a href="https://askralph.com/" rel="noopen
S7 E72 · Thu, March 13, 2025
Self-Employment Tax Got You Stressed? Learn Exactly What It Is and How to Pay Less
Are you self-employed and feeling the pressure of self-employment tax? Trust me, you’re not alone! This episode dives headfirst into the nitty-gritty of self-employment tax—what it is, how it works, and most importantly, how to ease that financial burden. We’ll share some super practical steps to help you reduce what you owe, because let’s face it, nobody wants to feel like they’re drowning in paperwork and stress. So grab your favorite snack, get comfy, and let’s tackle this tax conundrum together! We’ll even share some real-life success stories that show how you can lighten your load, find that sweet financial peace of mind, and take control of Self-Employment Tax once and for all. Read today's blog article Check out the full podcast episode here Self-employment tax can feel like that extra weight in your backpack when you're hiking up your freelance mountain. It’s a real struggle for folks like Dwight, who is trying to make a living as a freelance writer but is constantly stressed about whether he’s doing everything right with his taxes. Ralph dives deep into the world of self-employment tax, breaking down how it works, what it covers, and most importantly, how freelancers can reduce what they owe without losing their minds in the paperwork. Ralph talks about the basic structure of self-employment tax, which combines Social Security and Medicare contributions, adding up to a hefty 15.3% on your net earnings. But fear not, there are practical steps to lighten that load! From understanding your deductions to considering an S Corporation for tax savings, Ralph lays out a roadmap for financial peace. Plus, through relatable stories, like that of Jim the contractor, listeners see how real people have tackled their tax burdens and found relief. By the end of this episode, we’re not just crunching numbers; we’re empowering freelancers to take control of their financial futures, reminding them that they’re not alone in this journey. Podcast Timestamps: 00:00 Episode Overview 01:48 Meet Dwight: A Freelance Writer's Tax Struggles 02:47 If You Have A Question You'd Like Answered, Head Over To https://justaskralph.com/ 03:00 Bible Verse: Psalm 46:1-3 03:37 Today’s Gratitude Statement 04:31 Understanding Self-Employment Tax 05:38 Who Needs to Pay Self-Employment Tax? 06:25 Real-Life Example: Emily - The Freelance Writer 07:29 Calculating and Paying Self-Employment Tax 09:13 Reducing Your Self-Employment Tax Liability 14:15 Case Study: Jim's Story 17:5
S7 E71 · Wed, March 12, 2025
Self-Filing Taxes: Are You Making These Common Errors That Could Land You In Trouble With The IRS?
Are you feeling like tax season is a beast you just can't wrestle? Well, buckle up, because we’re diving into the wild world of self-filing taxes! Today, we're uncovering the most common pitfalls that could send you straight into IRS trouble. And trust me, by the end of this episode, you’ll not only know how to dodge those tax traps but also feel like a tax-filing ninja! So, whether you’re sweating over your return or just curious about the tax filing jungle, stick around for some seriously handy tips and tricks. Let’s get that tax anxiety off your plate and replace it with confidence in self-filing taxes! Read today's blog article Check out the full podcast episode here Feeling those tax-season jitters? You’re not alone! Today, we’re diving into the wild world of self-filing taxes, and trust me, it’s wilder than a cat on a hot tin roof! We kick things off by addressing the elephant in the room: common mistakes that can send you straight into the IRS’s lion's den. From choosing the wrong filing status to the classic ‘whoops, that’s not my SSN’ moment, we’ve got the scoop on how to dodge these tax-time trip-ups. By the end of our episode, you’ll be armed with knowledge and a newfound swagger to tackle your taxes like a pro. So, grab your calculator and let’s make those numbers dance! Podcast Timestamps: 00:00 Episode Overview 02:14 Listener Question: Common Self-Filing Taxes Errors 03:40 If You Have A Question You'd Like Answered, Head Over To https://justaskralph.com/ 03:56 Biblical Wisdom for Tax Filing 04:49 Today’s Gratitude Statement 05:26 Client Story: The Consequences of Tax Errors 08:13 Top Tax Filing Pitfalls and How to Avoid Them 27:46 Visit https://www.askralphpodcast.com/blog/ for Free Financial Resources 28:10 Reflection Questions 29:42 You Can Support the Show by Visiting https://askralphpodcast.com/support 30:41 Key Takeaways From This Episode 31:30 Call to Action: Visit https://askralph.com/ to Book a Call With Ralph 32:37 Mailbag - Listeners’ Testimonials 33:53 Share Your Story With Ralph! Email Ralph Directly At ralph@askralph.com 34:31 Closing <stro
S7 E70 · Tue, March 11, 2025
Are You Inviting Financial Trouble by Automatically Filing Taxes Jointly With Your Spouse?
Are you automatically filing taxes jointly with your spouse? Well, hold onto your calculators, because that might not be the best idea! Today, we’re diving deep into the potential pitfalls of joint filing and how it could lead to shared responsibility for your partner’s tax troubles, loss of control, and even a bigger tax bill. We’ve got John’s question on the table, and trust me, if you think filing together is a no-brainer, you might want to reconsider! So, let’s unpack this topic and help you make a decision that aligns with your financial goals and maybe even brings you a little peace of mind. Grab your favorite snack, and let’s get into it—because when it comes to Filing Taxes Jointly with your spouse , there’s more to consider than meets the eye! Read today's blog article Check out the full podcast episode here Tax season is that time of year when even the most financially savvy folks can start feeling a bit woozy. I mean, who isn't overwhelmed by those piles of forms and the looming deadline? One question that often pops up is whether to file taxes jointly with your spouse or not. Sure, it sounds like a convenient option, but hold on a second! Filing jointly can lead to shared responsibility for any tax issues your partner might have, which is like signing up for a rollercoaster ride without knowing how many loops it has. In this show, we dive into the nitty-gritty of joint filing, exploring the potential pitfalls that could come back to haunt you. From increased tax liability to the loss of individual control, we’re here to make sure you make an informed decision that aligns with your financial goals. Plus, we offer a solid action plan to help you navigate this confusing situation, ensuring you don't end up walking a financial tightrope without a safety net. So tune in and find out how to keep your finances in check without losing your marbles! Podcast Timestamps: 00:00 Episode Overview 02:20 Listener Question: Are You Inviting Financial Trouble By Automatically Filing Taxes Jointly With Your Spouse? 04:00 If You Have A Question You'd Like Answered, Head Over To https://justaskralph.com/ 04:12 Bible Verse: Proverbs 11:13 05:13 Today’s Gratitude Statement 06:18 Potential Drawbacks Of Filing Jointly 11:00 Real-Life Examples of Financial Trouble from Filing Jointly 12:46 When Filing Separately Might Be a Better Option 18:53 Practical Steps to Help Christians Make an Informed Decision 21:40 Visit <a href="https://www.askralphpodcast.com/blog/" rel=
S7 E69 · Mon, March 10, 2025
How do you turn reasonable cause into IRS penalty forgiveness?
Are IRS penalties keeping you up at night? Well, today we're diving into the world of reasonable cause, where there's a chance to wipe those pesky penalties off the books! Our listener, Tiffany, reached out for some relief, and we’re here to help her (and you) find that glimmer of hope in a pile of tax stress. We'll unpack what reasonable cause really means, share some super relatable stories, and equip you with the know-how to tackle those IRS woes head-on. So grab your favorite drink, kick back, and let’s lighten that financial load together by exploring your options for IRS penalty forgiveness ! Read today's blog article Check out the full podcast episode here Facing IRS penalties? It's like carrying around a backpack full of bricks while trying to enjoy a leisurely stroll, right? It’s heavy, it’s stressful, and you just want to drop it. Well, today, we dive into the world of 'reasonable cause'—a term that could turn those pesky penalties into a distant memory. Our listener, Tiffany, reached out in sheer desperation, sharing her struggles with overwhelming IRS penalties after a series of unfortunate events. You know, life stuff like natural disasters and family health crises—heavy stuff! We break down what reasonable cause really means, and how it can be your golden ticket to penalty forgiveness. So, if you're drowning in IRS woes, grab a life raft because we've got the insights you need to navigate this stormy sea of tax troubles! Podcast Timestamps: 00:00 Episode Overview 01:53 Tiffany's Question: Struggling with IRS Penalties 04:05 If You Have A Question You'd Like Answered, Head Over To https://justaskralph.com/ 04:25 Bible Verse – Psalm 32:5 and the Path to Forgiveness 06:15 Today’s Gratitude Statement 06:50 Client’s Story: When Life Hits Hard – Linda’s Tax Struggles 09:19 What is Reasonable Cause? 10:37 Common Examples of Reasonable Cause 12:40 What Doesn't Count as Reasonable Cause 15:09 The Process of Requesting Penalty Abatement 22:25 Types of IRS Penalties 26:40 Other Ways to Get IRS Penalty Forgiveness 33:22 Documentation Needed for Reasonable Cause Claims 40:11 Visit https://www.askralphpodcast.com/blog/ for Free Financial Resources 40:34 Reflection Questions 41:48 You Can Support the Show by Visiting https://askralphpodcast.com/support
S7 E68 · Sun, March 09, 2025
Can you truly live generously on a tight budget?
Are you feeling the squeeze on your wallet but still want to give? Well, you’re in the right place! Today, we’re tackling that big question: can you live generously on a tight budget? Spoiler alert: the answer is yes, and we’ve got some practical tips and biblical wisdom to show you how. Imagine being able to give cheerfully, even sacrificially, without the financial stress weighing you down. So, if you’re ready to experience the joy of giving while keeping your finances in check, stick around because we’re diving into some heartwarming stories and actionable advice that’ll get you on the path to a generous lifestyle, no matter how tight things are—and help you truly live generously. Read today's blog article Check out the full podcast episode here Struggling to juggle your faith and finances? You’re not alone! We dive headfirst into the heart of generosity, even when your wallet feels lighter than a feather. Ralph, our financial evangelist, shares anecdotes and practical tips to help you embrace a giving mindset without breaking the bank. Picture this: you can still give cheerfully, like a kid in a candy store, even when your budget feels cramped. The key is about aligning your heart with God’s purpose and making giving a priority. Ralph shares how budgeting can be a game changer, emphasizing that it’s not about how much you give but the attitude behind it. Join us as we explore how a single mom, Kim, navigates her tight budget and the beautiful ways she can still give back to her community. Spoiler alert: it’s all about creativity and resourcefulness! Podcast Timestamps: 00:00 Episode Overview 02:29 Listener's Question: Kim's Concern About Generosity on a Tight Budget 04:29 If You Have A Question You'd Like Answered, Head Over To https://justaskralph.com/ 04:49 Bible Verse - 2 Corinthians 9:7 06:54 Ralph's Gratitude Statement 07:35 Real-Life Example: Lisa's Story of Generosity 15:28 Practical Tips for Giving Generously on a Tight Budget 23:49 Common Obstacles to Generosity 29:44 Bible Verses that Encourage Generosity 33:43 Practical Ways To Put Generosity Into Practice 38:29 Visit https://www.askralphpodcast.com/blog/ for Free Financial Resources 38:50 Reflection Questions 40:08 You Can Support the Show by Visiting https://askralphpodcast.com/support 40:55 Key Takeaways F
S7 E67 · Sat, March 08, 2025
Is the 30% rule for housing costs still a wise guideline today?
Is the 30% rule for housing still practical in today’s economy? In this episode of the Ask Ralph Show , Ralph Estep, our financial evangelist, is joined by Craig Van Slyke to unpack this widely accepted guideline, exploring how rising living costs and individual financial situations impact its effectiveness. They also break down the tax implications of inherited savings bonds, offering straightforward advice to help you make the most of these financial gifts. Plus, Ralph and Craig dive into the world of high-yield savings accounts, sharing key factors to consider and common fees to avoid. With a mix of faith-based wisdom and a touch of humor, this episode equips listeners with the knowledge to make confident, well-informed financial choices while rethinking the rule for housing costs. Read today's blog article Check out the full podcast episode here Drowning in debt? Struggling to make ends meet? Feeling like retirement is out of reach? Ralph is here to share real-life financial wisdom—not just textbook advice. Having faced financial struggles himself, he knows what it takes to turn things around. This episode kicks off with a powerful Bible verse from Luke, reminding us to be faithful stewards of our money. Ralph and Craig dive into key topics like the 30% rule for housing costs and making the most of inherited savings bonds, all with a touch of humor and practical insights. Get ready to take control of your finances and turn financial freedom into a reality! Podcast Timestamps: 00:00 Episode Overview 00:47 Welcoming Craig Van Slyke 01:14 Bible Verse: Luke 16:10-11 02:43 Listener’s Question #1: The 30 Percent Rule for Housing Costs 03:43 Real-Life Examples and Flexible Approaches 04:24 The Impact of Geographic Variability 04:52 Income Stability and Financial Planning 06:45 Changing Economic Conditions 10:18 Psychological and Emotional Aspects of Home Buying 14:11 Listener’s Question #2: Taxation on Found Savings Bonds 15:31 Taxation on Interest from EE Bonds 24:53 Viewer Question: What to Do When Close to Paying Off Your Home 26:25 Evaluating Your Debts and Home Investments 27:24 Enjoying Your Money Responsibly 30:25 The Cat and the Sledgehammer Story 31:30 Listener’s Question #3: High Yield Savings Accounts-Tips and Recommendations 32:31 A Funny Casino Story 34:57 Maximizing Savings and Avoiding Fees 46:11 Visit https://www.askralphpodcast.com/blog/ for Free Financial Resources 46:35 You Can Supp
S7 E66 · Fri, March 07, 2025
Are you sacrificing your future by taking social security too soon?
Are you wondering if taking Social Security too soon could mess with your future? Today, we’re diving into a super important question that could totally shape your retirement game plan. We’ll break down how claiming Social Security early can impact your financial security, and trust me, you’ll want to stick around for this. We’re all about helping you make the best decision for your future, so grab your favorite snack and let’s get into the nitty-gritty of this crucial topic. This is an episode you don’t want to miss—especially if you're worried about the risks of claiming Social Security too soon! Read today's blog article Check out the full podcast episode here The episode dives right into a burning question many people face as they approach retirement: Should I take Social Security early? Ralph Estep, our financial evangelist, takes us through the various implications of claiming benefits too soon. He shares insights from real-life stories, like that of a listener named John, who worries about the financial security of taking his benefits at age 62. Ralph emphasizes that this is not just about crunching numbers; it’s about ensuring a comfortable lifestyle for you and your loved ones in retirement. He talks about the consequences of early withdrawal, like reducing monthly benefits by as much as 30%, which can really add up in the long run. Plus, there’s a heartfelt discussion around the importance of aligning financial decisions with one’s faith and values, highlighting how trusting God can play a part in financial planning. It’s a blend of practical advice and spiritual guidance, making it a thoughtful listen for anyone pondering their retirement choices. Podcast Timestamps: 00:00 Episode Overview 02:08 Listener’s Question: John’s Concern About Early Social Security Claims 05:58 If You Have A Question You'd Like Answered, Head Over To https://justaskralph.com/ 06:25 Bible Verse - Proverbs 16:3 08:01 Ralph’s Gratitude Statement 09:24 Client’s Story: The Importance Of Timing Your Social Security Benefit 15:31 Financial Implications and Options of Claiming Social Security Early 25:27 Key Financial Considerations As You Decide When To Claim Your Social Security Benefits 30:58 Health Considerations and Family Longevity 34:32 How to Navigate Your Retirement Goals with Social Security in Mind 40:03 Christian Stewardship and Trusting God’s Provision 50:22 Visit https://www.
S7 E65 · Thu, March 06, 2025
Are you ready for the IRS when earning extra income?
Are you diving into the gig economy, raking in some extra dough from side gigs, freelance work, or selling stuff online? Well, buckle up, because we’re tackling the crucial topic of tax obligations that come with that newfound income! It's not the most exciting subject, but trust me, understanding your tax responsibilities will save you from panic attacks when the IRS comes knocking. We'll break down everything from income tax to those sneaky self-employment taxes and even the confusing world of sales tax. So if you’re feeling a bit overwhelmed, don’t fret! I’m here to help you navigate these waters and keep your financial ship sailing smoothly. Grab your notepad, and let’s get you IRS-ready when earning extra income! Read today's blog article Check out the full podcast episode here Earning extra cash through side hustles, like selling crafts or freelancing, can feel like a dream come true—until tax season rolls around, am I right? In this episode, we’re diving deep into the nitty-gritty of what it means to report that income properly. Financial evangelist, Ralph Estep Jr., is here to lighten the load with some sage advice. He breaks down the tax obligations you might not even know you have, like income tax, self-employment tax, and the ever-confusing sales tax. Ralph talks about why keeping track of your earnings is not just smart but absolutely necessary if you want to keep the IRS off your back. And don’t worry; Ralph doesn’t just throw tax jargon at you. He shares relatable stories, like that of Amber with her vintage clothing business, who learned the hard way that ignoring taxes can lead to an overwhelming mess. But fear not! With Ralph's tips, you’ll be prepped and ready to tackle tax time without the headaches. So, grab your notepad, and let’s make those tax obligations a little less scary! Podcast Timestamps: 00:00 Episode Overview 02:33 Listener's Question - Daniel's Tax Concerns 04:26 If You Have A Question You'd Like Answered, Head Over To https://justaskralph.com/ 04:56 Bible Verse - Romans 13:1-7 07:19 Ralph's Gratitude Statement 07:45 Client’s Story - From Overwhelmed to Organized: How Amber Took Control of Her Business Taxes 10:49 Understanding Income Tax for Side Gigs 12:30 Self-Employment Tax Explained 13:47 Navigating Sales Tax for Online Sales 14:58 What is Nexus and How Does It Affect You? 17:46 Different Types Of Nexus That Can Trigger Sales Tax Obligations 23:33 Estimated Taxes and Avoiding Underpayment Penalties 33:18 The Benefits of Keeping Ac
S7 E64 · Wed, March 05, 2025
Does divorce have to be painful? Avoiding financial and tax traps
Divorce can feel like a big ol' mountain, but today we're diving into how to make that climb a little less daunting. We're here to discuss about the financial and tax traps that can really catch you off guard during this tough time. If you're facing a split or know someone who is, stick with us! We're sharing some real-world tips to help you navigate these choppy waters without losing your financial shirt. Plus, we'll tackle a heartfelt question from our listener, April, who's looking for some solid advice on managing her emotions and finances while going through her divorce. It’s a tough road, but is there a way to make it smoother? Does divorce have to be painful? Read today's blog article Check out the full podcast episode here Waking up with anxiety is a tough gig, but what if I told you that navigating the rough seas of divorce doesn’t have to be a total nightmare? We dove deep into the emotional and financial whirlpool that comes with splitting up, and trust me, it can feel like you’re trying to climb Everest in flip-flops. Our listener, April, reached out with a heartfelt question, and we unpacked her fears—mortgages, debts, tax traps, you name it. But hang on, because we’re not just wallowing in despair here; we’re all about action! By blending faith and savvy financial tips, we aim to help you glide through this storm with grace. It’s about finding that silver lining, and guess what? There’s a way to keep both your wallet and your faith intact. So if you or someone you know is in the thick of divorce chaos, this episode is your lifeline. Stick around for actionable insights that could turn this turbulent time into a manageable journey. Let's get you some clarity and hope! Podcast Timestamps: 00:00 Episode Overview 02:45 Listener's Heartfelt Question: April's Story 05:08 If You Have A Question You'd Like Answered, Head Over To https://justaskralph.com/ 05:28 Bible Verse - Malachi 2:16 07:05 Today’s Gratitude Statement 07:34 Ralph's Personal Story of Divorce 13:20 Client Story: Emily's Journey Through Divorce 25:13 Actionable Steps to Navigate Divorce 30:58 Common Tax Traps in Divorce 36:39 Collaborative Divorce: A Cost-Effective Approach 39:21 Practical Steps to Navigate Divorce 42:38 Visit https://www.askralphpodcast.com/blog/ for Free Financial Resources 42:59 Reflection Questions 44:42 You Can Support the Show by Visiting <a href="https://
S7 E63 · Tue, March 04, 2025
Are you truly ready to retire or are these financial habits holding you back?
Ready to dive into the wild world of retirement? We're tackling the big question: Are your financial habits keeping you from the golden years you’ve been dreaming of? Spoiler alert: If you’re worried about outliving your savings, dealing with overspending, or drowning in debt, this episode is for you! We’re sharing practical, faith-based steps to help you break free from those pesky pitfalls that can rain on your retirement parade. So, grab your favorite snack, kick back, and let’s explore how to ensure those retirement dreams come true without the stress—so you can be truly ready to retire with confidence and peace of mind! Read today's blog article Check out the full podcast episode here Reaching retirement age is like hitting the jackpot, but what if your financial habits are the hidden trapdoor pulling you back? That's the heart of our discussion today. We're diving into the common pitfalls that can turn your golden years into a financial nightmare. From overspending like it's a sport to the looming fear of outliving your savings, we’re unpacking it all. But don’t worry; we’re not just here to freak you out! We’re also serving up some practical, faith-based tips to get you back on track. Think of it as your retirement GPS, recalculating your route to financial freedom. So grab a cozy seat, maybe a snack (but not too many snacks, we’re cutting back here!), and let’s journey together toward a stress-free retirement! Podcast Timestamps: 00:00 Episode Overview 02:18 Listener Question: Linda's Retirement Concerns 04:08 If You Have A Question You'd Like Answered, Head Over To https://justaskralph.com/ 04:31 Bible Verse: Proverbs 21:5 05:23 Today’s Gratitude Statement 06:51 Client Story: Overcoming Financial Challenges 18:14 Steps to Financial Transformation 31:14 Listener Testimonials and Success Stories 34:20 Visit https://www.askralphpodcast.com/blog/ for Free Financial Resources 34:50 Reflection Questions 36:41 You Can Support the Show by Visiting https://askralphpodcast.com/support 38:44 Key Takeaways from Today’s Episode 39:47 Call to Action: Visit https://askralph.com/ to Book a Call With Ralph 40:50 Mailbag: Listener Stories 41:51 Share Your Story With Ralph! Em
S7 E62 · Mon, March 03, 2025
What happens to your debt when you’re no longer here?
Losing a loved one is already an overwhelming experience, but discovering they left behind a mountain of hidden debt can make it even more challenging. In this episode, we tackle the tough realities of managing a deceased family member’s financial obligations. Our listener, Don, is facing this exact situation after his mother’s passing. Ralph walks him through the necessary steps—organizing documents, contacting creditors, and understanding legal responsibilities—to help ease the burden. We’ll also share real-life stories, practical strategies, and key insights on how to protect your loved ones from inheriting unexpected financial liabilities. If you’ve ever wondered what truly happens to your debt after you’re gone, this episode provides clarity, guidance, and hope. Read today's blog article Check out the full podcast episode here Losing a loved one is tough, like, really tough. But finding out they’ve left behind a mountain of hidden debt? That’s like a double whammy! In today’s episode, we dive into Don’s story after he lost his mother and discovered she had kept a ton of debts a secret. We talk about the emotional rollercoaster this can create, not just for Don but for anyone facing similar challenges. It’s heart-wrenching to see families torn apart by financial stress, especially when they should be coming together. We’re here to help you navigate the murky waters of debt after death and give you some tips on how to protect your loved ones from inheriting financial chaos. Remember, you’re not alone in this journey! We’ll help you find some peace of mind and actionable steps to take control of the situation. So grab a comfy seat and let’s tackle this together! Podcast Timestamps: 00:00 Episode Overview 01:40 Listener's Heartfelt Question: Don's Story 05:28 If You Have A Question You'd Like Answered, Head Over To https://justaskralph.com/ 05:48 Bible Verse: Psalm 34:18 06:49 Today’s Gratitude Statement 07:18 A Tearjerker Story: Michael's Hidden Debts 24:52 Steps to Handle Financial Burdens After a Loss 30:14 Bella's Story: From Grief to Hope 35:27 Visit https://www.askralphpodcast.com/blog/ for Free Financial Resources 35:56 Reflection Questions 37:25 You Can Support the Show by Visiting https://askralphpodcast.com/support 38:36 Key Takeaways From Today's Show 39:19 Call to A
S7 E61 · Sun, March 02, 2025
How Can Faith and Wisdom Break the Chains of Debt?
Feeling like you’re buried under a mountain of debt? Yeah, it can feel like a relentless thief robbing you of your peace and joy. Today, we’re diving into how your faith in God can help you break those chains of financial despair. We’ll share some practical steps that’ll light the way to your debt-free future, so hang tight! By the end of this episode, you’ll be armed with hope and a clear path forward, ready to tackle those bills like a champ. Plus, we’ll even toss in some solid advice on how to keep your finances aligned with God’s purpose for your life. It’s time to rise above the struggle, trust in His plan, and break the chains of debt once and for all! Read today's blog article Check out the full podcast episode here Drowning in debt and feeling trapped? It’s like this never-ending dark cloud that just hangs over your head, stealing your joy and peace, right? Today, we’re diving deep into how to break free from those financial chains and reclaim your life. Ralph Estep Jr., our financial evangelist, is here to share his wisdom and personal experience. He’s been through financial hell and back, and trust me, he’s got the roadmap to get you out of there! Listen up, we’re not just talking about numbers here. We’re tackling the emotional rollercoaster that comes with debt—the stress, the sleepless nights, and the constant juggling of bills. Ralph shares a heartfelt letter from a listener named Kaitlin, who feels completely overwhelmed and hopeless. Her story is a mirror for so many of us, feeling trapped and unsure of how to escape. But guess what? There’s hope! By the end of this episode, you’ll be armed with practical steps and a renewed sense of faith. So grab your Bible, your favorite snack, and let’s get to work on this journey to debt freedom together! Podcast Timestamps: 00:00 Episode Overview 02:52 Listener's Struggle: Kaitlin's Story 04:54 Biblical Guidance on Debt 05:40 Emily's Journey to Financial Freedom 11:04 Practical Steps to Overcome Debt 14:08 Action Items for Debt Relief 17:47 Visit https://www.askralphpodcast.com/blog/ for Free Financial Resources 18:05 Reflection Questions 19:55 You Can Support the Show by Visiting https://askralphpodcast.com/support 20:45 Call to Action: Visit https://askralph.com/ to Book a Call With Ralph 21:27 Prayer 23:05 Closing <stron
S7 E60 · Sat, March 01, 2025
Could Diligence and Discipline Slash Your Shopping Bill?
It's all about breaking free from that pesky financial despair today! Ralph Estep Jr., our financial evangelist, tackles the real-world struggles of living paycheck to paycheck, crushing debt, and the dream of a stress-free retirement. So grab your favorite snack and get comfy as we explore how discipline and diligence can transform your spending habits and bring you closer to financial freedom. Plus, we’ll dish out practical tips to help you conquer debt, decide whether to invest or pay it off first, and master the art of slashing your shopping bill. Read today's blog article Check out the full podcast episode here Life can be tough when you’re staring down the barrel of debt, right? I mean, who hasn’t felt that sinking feeling when the bills come in? Ralph is here to lift that weight off your shoulders in today’s episode of Ask Ralph. He’s got the experience and the wisdom to help you break free from those chains of financial despair and create a life where you’re financially thriving instead of just surviving. Ralph, alongside his guest Craig, dives deep into the nitty-gritty of financial stewardship, focusing on three essential aspects that can change your money game. First up, they chat about the power of discipline in spending. Ralph shares relatable stories, like a single mom’s struggle with overspending on groceries. He gives practical tips, like meal planning and sticking to a shopping list – you know, the kind of stuff that actually works instead of just sounding good on paper. Then comes the juicy debate: should you pay off debt or invest? Ralph lays it out plain and simple – if you’ve got high-interest debt, tackle that beast first! He emphasizes the importance of understanding where your money goes and making intentional decisions that align with your goals. With a sprinkle of humor and a dash of biblical insight, this episode isn’t just about numbers; it’s about taking ownership of your financial future and finding that peace of mind we all crave. So, grab your favorite beverage, kick back, and let’s get this started! Podcast Timestamps: 00:00 Episode Overview 00:57 Listener Question #1: Addressing Overspending on Groceries 02:07 Bible Verse: Proverbs 13:4 03:44 Tips for Smart Grocery Shopping 13:51 Listener Question #2: Dealing with Debt - Strategies and Personal Stories 15:58 Step-By-Step Guide To Tackling Debt 26:54 Choosing a Debt Payoff Strategy 27:58 Credit Unions and Debt Consolidation 33:20 Listener Question #3: Balancing Debt and Investing 34:57 Pay Off Debt or Invest? A Step-by-Step Guide 44:05 Visit <a href="htt
S7 E59 · Fri, February 28, 2025
Which Retirement Expenses Should You Never Cut Corners On?
Worried about running out of cash in retirement? Don’t sweat it! Today, we’re diving into the retirement expenses you absolutely should never skimp on. Spoiler alert: we’re talking healthcare, housing, utilities, and nutrition—basically, the stuff that keeps you living your best life, not just surviving. By the end of this episode, you’ll be armed with some nifty budgeting strategies and tools to help manage your finances without sacrificing joy. So, let’s get comfy and tackle how to make your retirement both fulfilling and financially secure—and why you should never cut corners on the essentials that truly matter! Read today's blog article Check out the full podcast episode here Retirement often seems like a distant dream, but for many, it's a looming reality filled with anxieties about money. Our listener Tammy, brings up an important concern: how do you enjoy your golden years without the constant worry of running out of cash? We dive deep into the must-have expenses retirees should prioritize and those they absolutely shouldn’t cut corners on. Think healthcare, housing, and nutrition—these are not just line items on a budget; they’re the foundation for a fulfilling retirement. By the end of our episode, not only will you know what to prioritize, but you’ll also walk away with practical budgeting strategies that can help you live your best life without the financial stress. So, let’s get into it! Podcast Timestamps: 00:00 Episode Overview 02:11 Listener Question: Tammy's Dilemma 04:44 If You Have A Question You'd Like Answered, Head Over To https://justaskralph.com/ 05:01 Live Show Reminder: https:// askralphpodcast.com/live 05:16 Bible Verse: Proverbs 22:29 06:24 Today’s Gratitude Statement 06:55 Mr. Johnson's Story: A Lesson in Prioritizing 13:40 Action Steps for Essential Expenses 22:36 Practical Budgeting Strategies 24:08 Ralph’s List of Essential Expenses 26:41 Allocate Funds for Discretionary Expenses 32:41 Tools And Resources To Help You Create And Manage Your Budget 35:29 Specific Budgeting Apps For Retirees 39:33 Tips To Help You Create And Manage Your Retirement Budget 44:24 Visit https://www.askralphpodcast.com/blog/ for Free Financial Resources 45:03 Reflec
S7 E58 · Thu, February 27, 2025
How Do You Safeguard Family Wealth From the Grip of Slot Machines?
Today, we're diving deep into the wild world of slot machine addiction and how it can totally wreck your family's finances and well-being. If you or someone you know is caught in this whirlwind, you’re not just losing cash; it’s about the emotional toll it takes on everyone involved. We’ll talk about ways to protect your loved ones and your financial future from the clutches of gambling addiction. Plus, I’ll share an eye-opening story about someone who almost lost everything to the flashing lights of those machines. So buckle up, because we’re here to offer hope, practical advice, and a reminder that you’re not alone in this struggle against the Grip of Slot Machines . Read today's blog article Check out the full podcast episode here Ever felt that rush when you hit the casino? Those flashy slot machines just begging for your attention? It’s exhilarating, right? But what happens when the thrill turns into a nightmare? Today, we’re diving deep into the tumultuous world of slot machine addiction, exploring its impact not just on the folks spinning those reels but on their families too. We received a heartfelt letter from a sister who’s caught in a whirlwind of emotions as she watches her brother lose everything to this insatiable beast. We’re peeling back the layers on how gambling isn’t just about money—it’s about trust, love, and family. We’ll discuss about the practical steps you can take to keep your family’s finances safe while still being there for your loved one. Spoiler alert: it’s going to be tough, but we’re here to remind you that hope exists, even in the darkest times. Buckle up, folks; it’s going to be a wild ride! Podcast Timestamps: 00:00 Episode Overview 01:54 If You Have A Question You'd Like Answered, Head Over To https://justaskralph.com/ 02:08 Live Show Reminder: https:// askralphpodcast.com/live 02:27 Listener's Heartfelt Question 08:23 Biblical Perspective on Greed and Stewardship 13:45 Today’s Gratitude Statement 14:08 Melinda's Story: A Cautionary Tale 21:25 Recognizing Gambling Addiction Signs 27:18 Financial Safeguards for Families 32:49 Spiritual Guidance and Support 34:47 Spiritual Concepts Related to Gambling 39:17 You Can Support the Show by Visiting https://askralphpodcast.
S7 E57 · Wed, February 26, 2025
Should You Always Pay Cash, or Is There a Better Way?
Are you stuck in the never-ending tug-of-war between cash and credit? Well, today we're diving headfirst into this financial dilemma, giving you the scoop on whether cash really is king or if credit cards can have a place in your wallet. We're not just throwing around opinions; we're mixing in some biblical wisdom to help guide our choices. Plus, we’ll dish out some juicy tidbits about what you should absolutely avoid paying in cash. Stick around, because by the end of this episode, you’ll be ready to tackle your spending with confidence and maybe a chuckle or two along the way. Should you always pay cash, or is there a better way? Read today's blog article Check out the full podcast episode here Deciding whether to go cash or credit can feel like trying to pick your favorite pizza topping – it's tough! In this episode, we dive into the nitty-gritty of spending habits from a Christian perspective. Brenda from Michigan brought this relatable dilemma to the table, asking for some clarity about her struggles. We explore the age-old debate: is cash really king, or do credit cards have their perks? Spoiler alert: both can be great, but it’s all about the context! We share stories, like Jake's, who learned to balance his cash and credit use after a rocky start. We talk about the psychological impact of cash – you feel it leaving your hands, making you think twice about that impulse buy. On the flip side, using credit responsibly can come with rewards and protection against fraud. But hey, it’s not all sunshine and rainbows; we also touch on the dark side of credit, like high-interest rates and the temptation to overspend. By the end of our fun-filled episode, we arm you with some practical tips and questions to ponder, all while making it clear that whether you choose cash or credit, the real goal is financial wisdom and stewardship. So grab a snack, kick back, and let’s get into this financial feast of insights! Podcast Timestamps: 00:00 Episode Overview 01:34 Listener Question: Cash or Credit? 02:56 If You Have A Question You'd Like Answered, Head Over To https://justaskralph.com/ 03:15 Live Show Reminder: https:// askralphpodcast.com/live 03:39 Biblical Perspective on Debt 04:26 Today’s Gratitude Statement 04:56 Case Study: Jake's Financial Journey 08:58 The Case for Cash 13:44 Disadvantages of Using Cash</
S7 E56 · Tue, February 25, 2025
What If Achieving Financial Fitness Was as Easy as Your Daily Workout?
Feeling overwhelmed by your finances? You're not alone! Today, we're diving into how managing your money can be as easy as sticking to a daily workout routine. Just like getting fit takes consistent effort, so does achieving financial fitness. I’m here to share some practical steps that can turn your financial worries into strengths, and trust me, it’s all about those small daily changes! So grab your favorite drink, settle in, and let’s get ready to tackle those money challenges together and start achieving financial fitness ! Read today's blog article Check out the full podcast episode here Feeling like your finances are a never-ending rollercoaster? Trust me, you're not alone! In this episode, we dive into the world of financial fitness, and boy, it's just like hitting the gym. You don’t just wake up one day with a six-pack; it takes sweat, determination, and a solid routine! Our financial evangelist, Ralph Estep Jr., shares practical tips that can transform your financial life from ‘whoa, what’s happening?’ to ‘I got this!’ We explore how small daily steps, like packing your lunch or brewing coffee at home, can save you big bucks. And just like that daily jog to the mailbox, these small actions can lead to a more robust financial health. So, if you’re ready to flex those financial muscles, this episode is your workout plan! Podcast Timestamps: 00:00 Episode Overview 02:14 Listener Question: Emily's Financial Struggles 03:04 If You Have A Question You'd Like Answered, Head Over To https://justaskralph.com/ 03:17 Live Show Reminder: https:// askralphpodcast.com/live 03:43 Bible Verse - Matthew 6:21 04:40 Today’s Gratitude Statement 04:55 Ralph’s Personal Story: Overcoming Physical Challenges 12:02 Daily Saving Strategies: Small Steps to Financial Fitness 23:36 Practical Tips: Building Financial Momentum 31:46 Practical Steps for Prioritizing Needs vs. Wants 43:20 Visit https://www.askralphpodcast.com/blog/ for Free Financial Resources 43:39 Reflection Questions 47:00 You Can Support the Show by Visiting https://askralphpodcast.com/support 48:47 Tomorrow's Topic 49:07 Closing <p
S7 E55 · Mon, February 24, 2025
Overwhelmed by tax prep? How to decide between software and an accountant with confidence.
Tax season can be a total nightmare, right? We’re diving into the nitty-gritty of whether you should tackle your taxes with software or call in the pros. I mean, we've got some juicy tales from folks who thought they could DIY their taxes only to end up in hot water. But don’t stress! We’re here to help you figure out how to choose wisely, save your sanity, and maybe even save some cash along the way. Plus, I’ll share tips on what to look for when picking an accountant if you decide to go that route. Overwhelmed by tax prep? This episode will give you the clarity and confidence you need to make the best choice for your situation. Trust me, you won’t want to miss this! Read today's blog article Check out the full podcast episode here Tax season? Yeah, it’s like stepping into a horror movie, right? But don’t worry, we’ve got your back! This episode dives into the great debate: tax software vs. hiring a professional accountant. We kick things off with real-life stories—like the saga of Lisa, who thought she could tackle her freelance taxes solo, only to end up in a costly audit nightmare. Yikes! But don’t freak out just yet; we also share tips on how to choose the right accountant if you decide to go that route. Trust me, by the end of this episode, you’ll be armed with all the info you need to make the right decision without losing your mind! Podcast Timestamps: 00:00 Episode Overview 02:18 Listener’s Concern 04:02 Painful Stories of DIY Tax Mistakes 11:31 Biblical Insights on Financial Integrity 12:23 Today’s Gratitude Statement 12:43 Mandy’s Tax Nightmare 17:40 Developing an Action Plan for Tax Decisions 21:10 Exploring Tax Software Options 24:27 When to Hire a Professional Accountant 30:34 Pros and Cons of Tax Software 34:55 Pros and Cons of Hiring an Accountant 42:52 Visit https://www.askralphpodcast.com/blog/ for Free Financial Resources 43:12 Reflection Questions 46:21 You Can Support the Show by Visiting https://askralphpodcast.com/support 47:21 Closing Takeaways: Tax season can feel like a horror movie, but we're here to help you survive it. Choosing between tax software and a pro accountant can save you time and stress. Real stories show how easy it is to mess up taxes without professional help. Not all accountants are created equal, so choose wisely to avoi
S7 E54 · Sun, February 23, 2025
How do you trust God when your finances are falling apart?
Feeling like your bank account's disappearing faster than your last slice of pizza? You're definitely not alone! Today, we’re diving into how to trust God even when your finances are a hot mess. I mean, if you've ever found yourself robbing Peter to pay Paul (and Peter's getting pretty annoyed), then stick around! We're here to swap out that anxiety for some good ol' assurance. Get ready for practical steps and a sprinkle of faith as we tackle this financial chaos together. Trust me, there's hope on the horizon—even when it feels like your finances are falling apart. Read today's blog article Check out the full podcast episode here Ever found yourself staring at your bank account, feeling like it’s doing a dramatic dive off a cliff? Yeah, me too! Today, we’re keeping it real and diving into how to trust God when your finances feel like they’re in free fall. We’re tackling the question that’s been on the minds of many: How do you keep your faith afloat when your wallet is sinking? No more sleepless nights or dodging creditors, folks! Trust me, there’s a way to find peace in financial chaos. Join me as we explore some practical steps to take control of your money while keeping your faith strong. We’ll unpack some biblical truths that remind us that we’re not alone in this struggle and that hope is always within reach. So, grab your favorite drink, and let’s take this journey together! Podcast Timestamps: 00:00 Episode Overview 02:00 Listener's Letter: Desperate in Denver 03:18 If You Have A Question You'd Like Answered, Head Over To https://justaskralph.com/ 03:39 Live Show Reminder: https:// askralphpodcast.com/live 04:05 Biblical Assurance: God's Promise 05:44 Today’s Gratitude Statement 08:00 Understanding God's Character in Times of Financial Crisis 11:58 Biblical Examples of Provision During Scarcity 16:32 The Biblical Foundation of Financial Stewardship 22:35 Practical Steps for Trusting God with Finances 27:29 Financial Stability Plan 29:41 A Spiritual Growth Strategy 31:28 Financial Security 33:57 Career Development 35:06 Balancing Faith and Financial Responsibility 42:53 Visit https://www.askralphpodcast.com/blog/ for Free Financial Resources 43:10 Reflection Ques
S7 E53 · Sat, February 22, 2025
What’s the secret to deducting home equity loan interest? Find out now!
Feeling trapped by debt and living paycheck to paycheck? Well, there's a light at the end of that tunnel! In today’s episode, we’re diving deep into how to break free from financial stress and align your cash flow with what really matters in life—like God’s purpose. Ralph Estep Jr., our financial evangelist, shares tips on managing home equity, saving at the grocery store, and tackling everyday expenses that can drain your wallet faster than you can say "budgeting." So grab your favorite snack, kick back, and let’s get ready to take control of our finances together—including understanding how deducting home equity loan interest could save you money in the long run! Read today's blog article Check out the full podcast episode here Ever feel like your paycheck vanishes faster than a magician's rabbit? Yeah, me too! In this episode of Ask Ralph, we dive right into the nitty-gritty of managing everyday expenses. We tackle burning questions like how to handle pesky home equity loan interest and squeeze some savings out of that grocery bill without sacrificing taste. I mean, who wants to eat cardboard-flavored dinners, right? Ralph shares practical tips, like meal planning and coupon clipping, to help us all reclaim our finances. Plus, we get a side of wit as we reminisce about our grocery store escapades and how much we’ve all been shocked at prices lately. You know that moment when you see the price of eggs and wonder if you accidentally wandered into a luxury store? Yeah, we’ve been there! Buckle up, because this episode is packed with relatable stories and actionable advice to help us stop the financial drain and actually enjoy some financial freedom. Let’s get ready to take control of our wallets! Podcast Timestamps: 00:00 Episode Overview 01:17 Listener’s Question #1: Understanding Home Equity Loan Interest 01:58 Key To Deducting Home Equity Loan Interest 06:31 Home Equity Loan vs. Line of Credit 10:56 Visit https://www.askralphpodcast.com/blog/ for Free Financial Resources 11:11 Listener’s Question #2: Saving Money on Groceries 14:35 Practical Tips to Managing Your Grocery Expenses 23:39 Bible Verse: Philippians 4:12 26:05 Listener’s Question #3 Managing Everyday Expenses 26:53 The Importance of Tracking Subscriptions 31:41 The Hidden Costs of Dining Out 34:35 Managing Impulse Purchases 39:22 Saving on Mobile Phone Plans 45:25 Energy Consumption and Household Savings 48:40 Action Steps to Manage Your Daily Expenses
S7 E52 · Fri, February 21, 2025
Can my marriage survive the secret of my financial infidelity?
So, picture this: you discover your partner’s been hiding a mountain of credit card debt like it’s a secret family recipe. Yikes, right? Financial infidelity can hit just as hard as a physical affair, leaving you feeling all sorts of betrayed and confused. But hey, don’t toss in the towel just yet! We’re diving into how you can not only survive this financial mess but also rebuild trust and strengthen your marriage through some practical steps and biblical insights. Stick around as we share stories, wisdom, and a whole lot of hope to help you navigate these choppy waters together—because if you’re asking, Can my marriage survive the secret of my financial infidelity? the answer may be more hopeful than you think. Read today's blog article Check out the full podcast episode here Picture this: You're sifting through the mail, and boom! You uncover a credit card statement that makes your heart drop faster than a hot potato. Your spouse has been keeping a secret stash of debt hidden from you, and suddenly, trust feels as fragile as a soap bubble. Today, we dive into the murky waters of financial infidelity, a topic that feels like a gut punch. Ralph lays it all out with raw honesty, discussing how this betrayal can shake the very foundation of a marriage. But hang on, it's not all doom and gloom! With some practical steps and a hefty dose of faith, there’s a way to rebuild that trust. We explore how couples can navigate this stormy sea, using biblical insights and real-world strategies to emerge stronger than before. So grab a snack, settle in, and let’s chat about healing, forgiveness, and the hope that can rise from the ashes of financial deception. Podcast Timestamps: 00:00 Episode Overview 02:23 Listener's Heartbreaking Question 04:02 If You Have A Question You'd Like Answered, Head Over To https://justaskralph.com/ 04:22 Live Show Reminder: https:// askralphpodcast.com/live 04:45 Biblical Guidance on Forgiveness 06:27 Today’s Gratitude Statement 08:46 A Client's Story of Betrayal 18:15 How Faith Can Help Rebuild Trust 27:00 Practical Steps to Rebuild Trust 38:24 Visit https://www.askralphpodcast.com/blog/ for Free Financial Resources 38:40 Reflection Questions 42:33 You Can Support the Show by Vi
S7 E51 · Thu, February 20, 2025
Lost a loved one and facing tax questions? Here’s everything you should know.
Got a heavy heart and a mountain of tax paperwork? You're not alone, my friend. Losing a loved one is tough enough, but then there's the challenge of navigating their tax affairs—yikes! In this episode, we dive into the nitty-gritty of what to do after losing someone special, especially when it comes to those daunting tax responsibilities. We’ll break it down step by step, making it all manageable so you can focus on what really matters: healing and cherishing their memory. So, grab a comfy seat and let’s untangle this together—because no one should have to face this journey alone after they’ve lost a loved one. Read today's blog article Check out the full podcast episode here Losing someone you love is like getting hit by a freight train—you never see it coming, and it leaves you totally wrecked. That’s exactly what Gretchen is dealing with after losing her husband of 30 years. On top of the emotional chaos, she’s suddenly thrown into the deep end of tax responsibilities that feel more like a horror movie than a manageable task. In today’s episode, we’re diving into the murky waters of tax obligations following a loved one’s passing. We break it down step by step, tackling everything from filing that final tax return to figuring out inheritance taxes. The key takeaway? You’re not alone in this; we’re here to help you navigate the paperwork while you take a moment to breathe and remember all those good times. We emphasize the importance of taking things one step at a time, reaching out for help, and most importantly, allowing yourself to grieve without the weight of financial burdens dragging you down. We also share some personal anecdotes about the struggles of dealing with a loved one’s finances after they’ve gone. It’s a real-life situation where many of us will find ourselves at some point, and we want to ensure everyone understands that it’s okay to feel overwhelmed. We dive into the nitty-gritty of tax returns, the types of forms you’ll need, and why it’s crucial to stay on top of everything, lest the IRS come knocking with a hefty surprise. And just when you think it can’t get any more complicated, we discuss the differences in estate taxes and inheritance taxes, and trust me, it’s not as straightforward as it seems! So grab a cup of coffee (or tea, no judgment here) and join us as we untangle these financial knots while keeping the conversation light-hearted yet informative. Finally, we wrap up with some comforting words from the Bible that remind us we’re not alone in this journey. God offers us peace amidst the chaos, and that’s a message we all need during these tough times. So whether you’re
S7 E50 · Wed, February 19, 2025
Changing Jobs? Don’t derail your 401-K – Here’s how to get it right.
Thinking about what to do with your 401k when you switch jobs is like trying to solve a Rubik's Cube—it's confusing and a little stressful! Today, we’re diving into the nitty-gritty of managing that retirement savings. Candice, a listener of the show, is feeling the heat about her options, and we're here to break it down. From rolling it over to an IRA to possibly leaving it with your old employer, we’ll explore the pros and cons of each choice. It’s all about making smart decisions that ensure your financial future stays bright, even when job changes try to throw you off your game. Don’t let uncertainty derail your 401-K —grab a snack, and let’s get into it! Read today's blog article Check out the full podcast episode Ever found yourself in a career shake-up and suddenly panicking over your 401k? Well, you're not alone! Candice reached out to us feeling a bit lost after landing a new gig and wondering what to do with her retirement savings. We totally get it! In this episode, we break down the various paths you can take with your 401k—whether to leave it with your old employer, roll it over to your new employer's plan, transfer it to an IRA, or, heaven forbid, cash it out. We dive deep into the pros and cons of each option, highlighting how making the wrong choice could lead to some serious regret down the line. We share stories from clients like Ben and Lisa who faced similar dilemmas and the lessons learned from their decisions. By the end, you’ll see that with a little wisdom and guidance, you can navigate this tricky financial terrain like a pro! Podcast Timestamps: 00:00 Episode Overview 01:44 Listener's Question: Candice's Dilemma 02:54 If You Have A Question You'd Like Answered, Head Over To https://justaskralph.com/ 03:05 Live Show Reminder: https:// askralphpodcast.com/live 03:17 Biblical Principles and Financial Stewardship 04:14 Today’s Gratitude Statement 05:29 Real-Life Examples: Ben's and Lisa's Stories 09:22 The Power of Early Savings 10:41 Understanding Your Options: 401k Management 16:33 Investment Options You Might Find In An IRA 22:01 Understanding Tax Implications of 401k Distributions 27:06 401K LOANS - Special Considerations 28:15 401k Loans and the Rule of 55 29:00 Roth Conversion Option 30:10 Biblical Wisdom for Job Transitions and Financial Decisions<
S7 E49 · Tue, February 18, 2025
How secure is your phone? 9 Shocking Risks you might be ignoring.
Ever felt that gut-wrenching moment when your phone goes missing? Well, today, we're diving into the wild world of phone security and the sneaky risks hiding in plain sight. Travis hit us up with his phone-losing horror story, and trust me, it’s a wake-up call for anyone who thinks their data is safe. We’ll chat about the vital steps to protect your personal info and avoid the nightmare of identity theft. So grab your favorite snack, sit back, and let’s make sure your phone stays as safe as your grandma’s secret cookie recipe —because at the end of the day, you have to ask yourself: How secure is your phone? Read today's blog article Check out the full podcast episode here Losing a phone is a total nightmare, right? I mean, it’s like losing a part of your soul. Today, we dive into the chilling tale of Travis, who lost his phone while on vacation. He was out there living his best life, snapping pictures, and then—bam—panic mode activated when he realized his phone was MIA! He had no strong password, no two-factor authentication, and hadn't backed up his data. Yikes! So, if you’re like Travis, don’t worry, I’ve got your back. We’ll explore the wild world of phone security risks, from phishing scams to sneaky apps that are just waiting to steal your data. Plus, I’ll share my own personal horror story of a close call with my phone in Germany and what I did right. Stick around, because this episode is packed with tips to keep your phone and data safe. Trust me, you don’t want to miss this—let’s make sure you stay secure! Podcast Timestamps: 00:00 Episode Overview 02:39 Listener's Concern: Travis's Story 03:49 Personal Anecdote: Ralph's Experience in Germany 06:25 If You Have A Question You'd Like Answered, Head Over To https://justaskralph.com/ 06:49 Live Show Reminder: https:// askralphpodcast.com/live 07:24 Biblical Perspective: The Parable of the Talents 09:00 Today’s Gratitude Statement 09:22 9 Shocking Phone Security Risks 18:30 Types of Mobile Phones 22:22 Statistics on Mobile Phone Usage 23:35 Practical Steps to Protect Your Phone 35:53 Visit https://www.askralphpodcast.com/blog/ for Free Financial Resources 36:15 Reflection Questions 37:28 You Can Support the Show by Visiting <a
S7 E48 · Mon, February 17, 2025
Why did I get this 1099? What it means and how to avoid costly mistakes
Ever gotten a 1099 form and felt your heart drop faster than a lead balloon? You’re definitely not alone! Today, we’re diving into the wild world of 1099 forms—what they mean, why you got them, and how to tackle them without losing your mind. Understanding these forms is crucial for keeping your taxes in check and avoiding those pesky penalties. So, whether you’re a freelancer drowning in paperwork or just trying to figure out what the IRS is up to, stick around! We’re here to make this tax stuff a whole lot clearer, and maybe even a bit fun. Because let’s face it, the real question is—what do you do when you get this 1099 ? Read today's blog article Check out the full podcast episode here Tax season is like the Super Bowl for accountants, but for others, it can feel like a horror movie. You know the moment when the 1099 forms show up in your mailbox, and your heart drops like a lead balloon? Yeah, that’s what we’re tackling today. We dive into the mysteries of the 1099 forms, those little pieces of paper that can send anyone into a frenzy. You might be asking yourself, 'Why did I get this?' or 'What on earth do I do with it?' Don’t worry, you’re not alone. Many freelancers and side hustlers have been in the same boat, feeling like a deer in headlights. We’re here to shine a light on those pesky forms and help you navigate the tax waters like a pro. We’ll talk about the most common types of 1099s you might encounter, what they mean, and how to prevent costly mistakes that could make the IRS knock on your door. So grab your favorite snack and let’s make sense of those forms together. It’s all about bringing clarity and confidence to your tax journey, and maybe a chuckle or two along the way! Podcast Timestamps: 00:00 Episode Overview 02:22 Listener Question: Overwhelmed by 1099 Forms 03:25 A Client's Story: Brooke's 1099-K Nightmare 09:13 The Importance of Accurate Records 10:34 If You Have A Question You'd Like Answered, Head Over To https://justaskralph.com/ 10:45 Live Show Reminder: https:// askralphpodcast.com/live 11:09 Biblical Principle of Stewardship and Responsibility 12:23 Today’s Gratitude Statement 13:46 Common Types of 1099 Forms 26:36 How 1099s are Generated 26:49 What is Backup Withholding? 28:15 What Happens If You Don't Report a 1099? 29:40 Strategies for Minimi
S7 E47 · Sun, February 16, 2025
Is God Calling You to Start a Side Hustle?
Feeling like your finances are throwing a wrench in your spiritual journey? Well, you’re not alone! In today’s episode, we’re diving into the idea that your financial struggles might just be a divine nudge to kickstart that side hustle you've been daydreaming about. Yup, you heard it right! We’ll explore how turning those talents into cash can not only ease your money woes but also help you serve others and glorify God. I’m sharing personal stories and biblical wisdom to show you that small changes can lead to big wins. So, whether you're drowning in bills or just looking for a purpose, stick around—this episode’s got your back and might just inspire you to Start a Side Hustle! Read today's blog article Check out the full podcast episode here Ever feel like your finances are dragging you down like a big ol' anchor? Well, it's time to shake that off! In this episode, we're diving deep into how those money worries might just be nudging you towards something divine. Yep, I'm talking about side hustles! We explore how God might be calling you to use those unique talents of yours to not only boost your bank account but also make a difference in the world around you. Picture this: you're knee-deep in bills and feeling like a financial failure, but what if those struggles are actually your ticket to a greater purpose? We’re sharing stories, including one about a gal named Destiny who transformed her passion into a thriving side hustle. So, if you’re ready to turn that financial frown upside down and discover how side hustles can glorify God, stick around because we've got some wisdom to drop! Podcast Timestamps: 00:00 Episode Overview 02:33 Emily's Heartfelt Letter 03:51 Biblical Perspective on Work and Finances 04:47 Today’s Gratitude Statement 05:11 Destiny's Inspiring Story 12:00 Action Steps to Start Your Side Hustle 20:37 Bible Perspective on Overcoming Fear and Trusting God's Plan 21:43 Tips to Overcome Fear of Failure 28:33 Side Hustle Ideas 36:16 Steps to Find Mentors 43:11 Reflection Questions 45:27 Visit https://www.askralphpodcast.com/blog/ for Free Financial Resources 46:15 Testimonials and Encouragement 49:57 You Can Support the Show by Visiting https://askralphpodcast.com/support 50:09 Closing Thoughts and Prayer Takeaways: Sometimes, financial struggles can actually be a nudge from God to find your purpose. <l
S7 E46 · Sat, February 15, 2025
LIVE REPLAY: What Are 10 Easy Tax Deductions and Credits to Cut Your Tax Bill?
Ever felt like you're handing over way too much dough to the taxman? Well, you’re in luck! Today, we’re diving into 10 super easy tax deductions and credits that can help you lighten that tax load. We’ll also dig into the juicy details of universal life insurance compared to the ol’ trusty 401k plan. Plus, stick around because we’ll be spilling the tea on some cool energy credits for 2024 and 2025. And, of course, we’ll tackle a last-minute question about claiming that sweet home office deduction. So grab your favorite snack and let’s get this financial party started with some fun and practical tips—including 10 Easy Tax Deductions and Credits to Cut Your Tax Bill and keep more cash in your pocket! Read today's blog article Check out the full podcast episode here Feeling like your tax bill is bigger than your last family reunion potluck? Don’t worry, we’ve got your back! Today, we’re diving into the world of tax deductions and credits, and trust me, it’s more fun than it sounds! We’re spilling the beans on 10 easy ways to lighten that tax load, and yes, we’ll also share biblical wisdom because money management is a key part of financial stewardship. From child tax credits that could put a cool $2,000 back in your pocket for each kid, to the sneaky little American Opportunity Tax Credit that can cover your college expenses, we’re making taxes feel a little less scary and a lot more manageable. And if you’re someone who's ever pondered the age-old debate between universal life insurance and good old 401Ks, we’ve got a juicy discussion on that too! Think of it as a financial buffet where you can pick what suits you best, and don't forget, we’ll also talk about energy credits for your eco-friendly upgrades in 2024 and 2025. So grab a snack, sit back, and let’s get you set up to keep more of that hard-earned cash for yourself! Podcast Timestamps: 00:00 Episode Overview 00:56 Listener’s Question: 10 Easy Tax Deductions and Credits 02:16 Biblical Insights on Stewardship 02:58 Today’s Gratitude Statement 03:45 Special Guest: Dr. Craig Van Slyke 05:03 10 Common Tax Deductions And Credits For The 2024 Tax Year 20:46 Listener’s Question: Exploring Universal Life Insurance vs. 401k 23:00 Key Features And Benefits Of Universal Life Insurance 33:03 Listener’s Question: What Energy Credits are Available for 2024 & 2025 Tax Filing 34:49 Energy Credits for 2024 40:10 Energy Credits for 2025 46:01 Listener’s Question: Maximizing Home Office Tax Deductions 52:16 Reflection Questions 53:19 Visit <a href="https://www.askralphpodca
S7 E45 · Fri, February 14, 2025
Why is the IRS eyeing your digital wallet?
Bitcoin and cryptocurrency are all the buzz right now, but what does it all mean? We're diving deep into the world of digital wallets and the tax implications that come with them. If you've ever thought about jumping into this financial trend but felt a little lost, don’t sweat it! I’m here to help you navigate these waters and avoid losing your shirt. We'll chat about what cryptocurrency really is, why the IRS is peeking over your shoulder, and how to keep your hard-earned cash safe while exploring this exciting frontier. So, grab your snacks, settle in, and let’s make sense of this digital gold rush together—especially with the IRS eyeing your digital wallet! Read today's blog article Check out the full podcast episode here Curious about cryptocurrency? You're not alone! In this episode, we're diving deep into the wild world of digital wallets and all things crypto. From Bitcoin to Ethereum and everything in between, we chat about what these digital currencies really are, why they're causing such a buzz, and why the IRS is suddenly super interested in your virtual stash. Spoiler alert: it involves taxes, and yes, they want their cut! We also tackle some listener question and share client stories about navigating the often confusing landscape of cryptocurrency. We start with the basics of what cryptocurrency is and how it works. Think of it as digital money but with some extra techy magic thrown in, like cryptography! We talk about how to keep your crypto safe with digital wallets and also touch on the tax implications that come with owning these digital assets. Our goal? To make sure you’re not just jumping on the crypto bandwagon without understanding the risks involved. Plus, we sprinkle in some light-hearted banter and personal anecdotes to keep things fun and relatable. So grab your headphones and get ready to take control of your financial future with a little crypto knowledge! Podcast Timestamps: 00:00 Episode Overview 01:47 Listener Question: Understanding Cryptocurrency 03:21 Biblical Perspective on Financial Stewardship 04:31 Today’s Gratitude Statement 05:00 Basics of Cryptocurrency and Digital Wallets 07:43 Cryptocurrency Mining Explained 16:59 Where is Cryptocurrency Being Used? 17:47 Tax Implications of Cryptocurrency 18:35 Tim's Cryptocurrency Loss 23:48 Why is the IRS Interested in Digital Wallets? 24:54 Types of Digital Wallets and Their Security Features 27:24 Dangers of Cryptocurrency 33:28 Reducing Cryptocurrency Risks 34:50 Practical Steps to Manage Cryptocurrency and Avoid Tax Issues 37:55 Visit <a href="htt
S7 E44 · Thu, February 13, 2025
Can you really afford to skip long term care insurance?
Today, we're diving into the heavy stuff: the emotional and financial strain of long-term care. Yep, we're tackling the big question—can you really afford to skip long-term care insurance? Spoiler alert: it’s not just a “maybe” kind of deal. We’ll share some real-life tales, like Naomi’s heart-wrenching situation caring for her mom and the stress that comes with it. Plus, I’ll spill the tea on how planning ahead can save you and your family from future headaches. So, grab your favorite snack and let’s chat about making those smart moves for a secure future—because trust me, you don’t want to find out the hard way what happens when you skip long-term care insurance. Read today's blog article Check out the full podcast episode Picture this: you're in a hospital bed, surrounded by beeping machines and whispers that feel like they’re coming from another planet. The weight of medical bills starts to crush you, and you’re left wondering how on Earth you’re going to afford all this. That’s the emotional rollercoaster we dive into today! We’re tackling the heavy stuff: the emotional and financial stress of long-term care. We’re answering the big question: can you really afford to skip out on long-term care insurance? Spoiler alert: it’s not just about the dollars and cents. It's about peace of mind for both you and your family. We are here to help you lay down a plan that doesn’t just protect your bank account but also keeps the family drama at bay! Now let’s not sugarcoat it; the world of long-term care can be as confusing as a cat at a dog show. But fear not! In this episode, we share real-life stories of clients, like the vibrant Mary, who chose to invest in long-term care insurance and lived her golden years with dignity, surrounded by love and laughter. We also meet Jane, who thought she could handle anything life threw at her—until it didn’t go according to plan. Jane’s story is a cautionary tale, reminding us all that planning ahead can save us from financial disaster and family strife. So, if you’re feeling overwhelmed by the thought of long-term care, don’t sweat it! We break it down for you into bite-sized pieces. Get ready to learn how to assess your needs, evaluate your resources, and understand your options. We also got tips on how to chat with your family about these tough topics without sending everyone into panic mode. By the end of this episode, you’ll be armed with the knowledge to tackle long-term care planning like a pro—no more hiding under the covers! Podcast Timestamps: 00:00 Episode Overview 01:59 Listener's Dilemma: Naomi's Story 02:47 If You Have A Question You'd Like A
S7 E43 · Wed, February 12, 2025
Unexpected IRS refund? What you should do now and smart ways to spend it
Ever get a surprise check from the IRS and think, “What in the world do I do with this?” Yeah, same here! Today, we're digging into the wild world of tax refunds, exploring why they pop up and how to handle them like a pro. We’ll chat about common scams that could turn your happy dance into a horror show and share some savvy strategies to make that cash work for you instead of against you. Spoiler alert: breaking even on your taxes might not be as awesome as it sounds! By the end, you’ll be armed with all the knowledge you need to turn that unexpected windfall into a financial win. So grab your favorite snack, sit back, and let’s get this started—because who wouldn’t want to make the most of an unexpected IRS refund ? Read today's blog article Check out the full podcast episode Unexpected checks from the IRS can spark a rollercoaster of emotions, right? One minute you’re checking your mailbox, and the next you’re staring at a surprise refund like it’s a golden ticket. Today, we’re diving into the wild world of tax refunds, unearthing why those checks appear and how to make sense of them. We’ll tackle the usual suspects: overpayment of taxes, tax credits, and even the occasional IRS error—because yes, they mess up too! Ever heard of the recovery rebate credit? We’ve got that covered, along with the lowdown on scams you need to dodge. Spoiler alert: there’s a lot of sneaky stuff out there, so keep your eyes peeled! We’ll also explore the great debate: is it cooler to break even or snag a refund? Whether you’re a seasoned tax pro or a newbie, this episode arms you with the wisdom to tackle your finances head-on. Let’s turn that tax anxiety into power! Podcast Timestamps: 00:00 Episode Overview 02:03 Listener Question: Rachel's Unexpected Refund 03:20 Bible Verse - Luke 16:10 04:03 Today’s Gratitude Statement 04:33 Understanding Tax Refunds 11:45 Beware of IRS Refund Scams 13:44 Common IRS Scams and How to Avoid Them 16:03 How to Avoid Scams 17:53 Tax Implications of an Unexpected Refund 20:32 Smart Ways to Spend Your Refund 24:36 The Great Debate: Breaking Even on Your Taxes 27:54 Success Stories: Making the Most of Your Refund 31:08 Practical Steps for Managing Your Refund 34:35 Reflection Questions 36:02 Call to Action: Visit https://www.askralphpodcast.com/ to Book a Call with Ralph 38:52 You Can Support the Show by Visiting https://a
S7 E42 · Tue, February 11, 2025
Filing Without All Your Tax Documents? Why It’s Risky and How to Get What You Need?
Filing your taxes without all your documents? Yeah, it can be a bit like playing with fire – you could get burned! Today, we're diving into the risky waters of hasty tax filing and uncovering how it could cost you more than just some pesky penalties and interest. We've got a juicy story about one listener, Ernie, who thought he could rush through his taxes and ended up knee-deep in a financial nightmare. So stick around as we dish out the wisdom on snagging all the necessary paperwork and steering clear of those tax-time traps. Trust me, you won’t want to risk filing without all your tax documents ! Read today's blog article Check out the full podcast episode Navigating the tax season can feel like trying to dance on a tightrope while juggling flaming swords, especially when you’re missing crucial documents. So, let's dive into the sticky situation one of our listeners, Ernie, found himself in. He rushed to file his taxes early to snag that sweet refund and cover some unexpected medical bills, but he totally spaced on including his 1099 from his side gig. Yikes! We explore the potential pitfalls of filing without all your ducks in a row and uncover how that seemingly innocent oversight can snowball into a financial disaster. From penalties to audits, we break it all down and serve up some actionable strategies to avoid Ernie's fate. Spoiler alert: being organized is key! If tax season has you feeling all sorts of overwhelmed, you’re definitely not alone. We’ve got your back with practical tips and a good dose of humor to lighten the mood as we tackle those tax woes together. No more flying blind when it comes to your taxes! Podcast Timestamps: 00:00 Episode Overview 02:27 Listener's Story: Ernie's Tax Filing Nightmare 04:53 Biblical Perspective on Financial Integrity 06:03 Today’s Gratitude Statement 06:20 Case Study: John's Tax Filing Mistake 11:44 Risks of Filing Without All Your Tax Documents 19:44 Common Tax Documents and Their Importance 23:19 Importance of Record-Keeping 26:31 How to Obtain Missing Tax Documents 33:41 Tax Penalties for Inaccurate or Incomplete Returns 38:37 Steps to Resolve Tax Issues 39:48 Visit https://www.askralphpodcast.com/blog/ for Free Financial Resources 40:24 Reflection Questions 42:38 Call to Action: Visit https://www.askralphpodcast.com/ to Book a Call with Ralph 45:49 You Can Support the Show b
S7 E41 · Mon, February 10, 2025
Inheritance incoming: are you ready?
Imagine this: you’ve just received a hefty inheritance. Exciting, right? But before you rush off to buy that sports car or book that dream vacation, hit the brakes! Today, we’re exploring how to handle an inheritance responsibly and, more importantly, how to do it in a way that honors God. We’ll discuss the emotional rollercoaster that comes with such a windfall, including the feelings of grief, gratitude, and overwhelming responsibility. I’ll share a poignant story about a client named Henry, who faced the same crossroads when his grandfather passed away. He had to choose between indulging in immediate pleasures or making wise, long-term decisions that honored his grandfather’s legacy. Spoiler alert: the right choice led to peace, purpose, and even a scholarship fund in his grandfather’s name! So, let’s chat about how you can turn your inheritance into a blessing for yourself and others, making choices that reflect your values and truly honor those you’ve lost. Trust me, this is a conversation you won’t want to miss! Inheritance incoming—are you ready? Read today's blog article Check out the full podcast episode Podcast Timestamps: 00:00 Episode Overview 02:07 Listener Question: Dennis' Dilemma 04:29 Join Our Live Community https:// askralphpodcast.com/live 04:44 Biblical Guidance: Proverbs and Stewardship 06:25 Today’s Gratitude Statement 06:42 Henry's Story: Choosing the Right Path 14:05 Ralph's Experience: Honoring a Mother's Legacy 17:14 Pitfalls That Can Derail Your Financial Plans 25:37 Action Steps for Managing Inheritance 30:09 Visit https://www.askralphpodcast.com/blog/ for Free Financial Resources 30:37 Reflection Questions 32:08 Call to Action: Visit https://www.askralphpodcast.com/ to Book a Call with Ralph 33:26 Support the Show by Visiting https://askralphpodcast.com/support 34:28 Closing Takeaways: Receiving an inheritance can be a blessing, but it also carries a huge responsibility. It's crucial to manage your inheritance wisely and honor God with your choices. Feeling overwhelmed about an inheritance is common; you're definitely not alone in this. </
S7 E40 · Sun, February 09, 2025
How Can I Stay Generous for God Even in Tough Times?
Generosity can feel like a distant dream when your financial situation is tight, right? But hold onto your hats, because we're diving into how to stay generous for God even when the money seems tighter than your favorite pair of jeans after Thanksgiving dinner. We’ll explore real stories, like Trisha's heartfelt struggle as a single mom, and how even a small act of giving can spark big changes in your life. So, grab your favorite snack, kick back, and let’s unravel how generosity isn’t about the size of your wallet, but about the size of your heart—because no matter your circumstances, you can always find a way to Stay Generous for God. Read today's blog article Check out the full podcast episode Podcast Timestamps: 00:00 Episode Overview 01:40 Listener Question: Trisha's Struggle 03:43 Biblical Assurance: Trusting God's Provision 05:51 Lisa's Story: A Path to Transformation 10:19 Action Plan: Steps to Generosity 12:13 Non-Financial Generosity: Time, Talents, and Kindness 20:38 Practical Next Steps for Non-Financial Generosity 22:15 Reflection and Prayer 23:46 Gratitude Statement 24:52 Call to Action: You Can Support the Show by Visiting https://askralphpodcast.com/support 27:19 Recap and Closing Takeaways: Generosity isn't about how much you have; it's about trusting God with what you have. Even in tough financial situations, small acts of kindness can make a huge difference. You can take a small step of faith by giving just a little, like $5, to start. Prayer is a powerful way to help others, and it doesn't cost a dime. Non-financial generosity, like volunteering or simply being present, can be incredibly impactful. God measures our faith, not the size of our gifts; that's the key takeaway here. Links referenced in this episode: Support the Show https://askralphpodcast.com/support Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group Ask Ralph Show Live https:// askralphpodcast.com/live What is your question that you would like to ask Ralph? Send Your Q
S7 E39 · Sat, February 08, 2025
Are You Taking These 10 Smart Steps to Maximize Your Retirement Savings in 2025?
Crushing debt got you feeling like you’re stuck in quicksand? Fear not! We’re diving into the financial deep end with Ralph Estep Jr., the financial expert who’s come out swinging after his own battles with money woes. We’re tackling the real struggles of retirement savings, tax withholding, and even those pesky estate planning decisions that seem to loom over you like a dark cloud. Trust me, if you’ve ever felt like you’re juggling bills while trying to save for the future, you’re in good company! So grab your favorite beverage, sit back, and let’s break down some solid steps to regain control of your financial destiny, keep a wink at the wisdom of biblical truths, and maximize your retirement savings in the process. Read today's blog article Check out the full podcast episode Podcast Timestamps: 00:00 Episode Overview 01:30 Listener’s Question #1: Understanding Tax Withholding 05:56 Listener’s Question #2: Estate Planning Insights 13:31 Listener’s Question #3 Maximizing Retirement Savings 16:17 Bible Verse - Galatians 6:7 17:20 Today’s Gratitude Statement 18:29 Hank's Financial Wake-Up Call 22:00 Hank's Journey to Financial Empowerment 23:13 10 Steps to Maximize Your Retirement in 2025 29:57 Call to Action: Visit https://justaskralph.com/ to Book a Call with Ralph 31:05 You Can Support the Show by Visiting https://askralphpodcast.com/support 31:55 Reflection Questions 33:37 Visit https://www.askralphpodcast.com/blog/ for Free Financial Resources 37:02 Closing Takeaways: In a world of financial chaos, remember, there's always a silver lining waiting for you. Ralph Estep Jr. shares his journey from financial failure to a thriving financial guru. Understanding your tax situation is crucial, so don't ignore those W2 forms, folks! Take a proactive approach to your finances; being prepared today can save you tomorrow. It’s never too late to start planning for retirement, so kick procrastination to the curb! Don't forget to check those pay stubs regularly, surprises are great for parties, not for taxes! Links referenced in this episode: Support the Show <a href="https://askralphpodcast.com/support" rel="noopener noreferrer" target="_bla
S7 E38 · Fri, February 07, 2025
Could your tax return be raising audit alarms?
So, we’re diving deep into the world of taxes today, and guess what? The main point is figuring out how to dodge those pesky red flags that could trigger an audit. Ever hit that "submit" button on your tax return and felt your stomach drop at the thought of an audit? Yeah, me too! Don’t sweat it, though—we’ve got your back with some solid tips to keep your returns looking squeaky clean. We're talking about keeping it honest, organized, and making sure you've got all your ducks in a row. By the end of this chat, you’ll strut away feeling like a tax-filing pro, ready to honor God while keeping financial stress at bay and avoiding anything that might end up raising audit alarms. Let’s roll! Read today's blog article Check out the full podcast episode Podcast Timestamps: 00:00 Episode Overview 01:55 Helen's Question and Initial Advice 02:54 Biblical Encouragement and Integrity 04:03 Today’s Gratitude Statement 04:45 Major Red Flags to Avoid 35:27 Impact of a Tax Audit 37:07 Types of IRS Audits 39:02 Tips to Avoid IRS Audits 42:30 Resources for Facing an Audit 43:30 Visit https://www.askralphpodcast.com/blog/ for Free Financial Resources 43:46 Reflection and Final Thoughts Takeaways: Filing your taxes can be super stressful, but there are ways to chill out about it. To avoid audits, you really gotta report all your income - even the tiny bits! Using accounting software is like having a superhero for your finances and tax prep. Remember to keep your deductions backed by solid documentation to dodge those IRS red flags. Links referenced in this episode: Support the Show https://askralphpodcast.com/support Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group Ask Ralph Show Live https:// askralphpodcast.com/live What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/ Join our email list and get a free copy of “Mastering Your Finances” at <a href="https://askral
S7 E37 · Thu, February 06, 2025
Got a tax notice? Now what?
Ever cracked open your mailbox to find an IRS envelope and felt your stomach drop like it’s auditioning for a horror movie? Yeah, we’ve all been there! Today, we’re diving into the wild world of tax notices, breaking down why they show up and how to handle them without losing your mind. Spoiler alert: it's usually not as bad as you think! From deciphering what that CP2000 notice really means to tips on preventing these pesky letters from sliding into your mailbox in the first place, we’ve got your back. So, grab your favorite drink, kick back, and let’s tackle those tax fears together. Got a tax notice? Don't stress—we’re here to help! Read today's blog article Check out the full podcast episode here Podcast Timestamps: 00:00 Episode Overview 02:21 Listener Question: Gabriel's IRS Notice Panic 05:16 Bible Verse: Philippians 4:6-7 06:43 Today’s Gratitude Statement 08:15 What Does a Tax Notice Mean? 08:42 Common Reasons the IRS Sends Notices 13:53 Common IRS Notices and Their Meanings 21:58 Steps to Handle a Tax Notice 27:08 Avoiding Future Tax Notices 31:53 Visit https://www.askralphpodcast.com/blog/ for Free Financial Resources 32:16 Reflection Questions 33:29 Call to Action: Go to https://askralphpodcast.com/ and Book a Call With Ralph 36:15 Recap and Closing Takeaways: Getting a notice from the IRS can feel like the sky is falling, but trust me, it's usually not as bad as it seems. Seriously, don't panic! Most IRS notices are just routine and can be resolved quickly if you respond appropriately. So, take a deep breath and read it carefully. If you get a tax notice, the first step is to read it thoroughly and understand what the IRS is asking. Ignoring it won't make it go away, believe me! Double-check your tax return before filing to avoid mistakes that might lead to those dreaded notices. A little extra attention can save you a headache later! Respond to IRS notices on time! They always give you a deadline, so don't just shove it in a drawer and hope it disappears. That never works! If the notice confuses you or you’re feeling overwhelmed, seek professional help. Sometimes it’s best to let the pros handle the nitty-gritty tax stuff. Links referenced in this episode: Support the Show https://askra
S7 E36 · Wed, February 05, 2025
Who’s doing your taxes – and can you trust them?
Choosing the right tax preparer is crucial to avoid costly mistakes and potential fraud. This episode highlights the key red flags to watch for when selecting someone to handle your taxes, ensuring you don't fall victim to dishonesty or incompetence. Ralph Estep Jr. shares real-life examples of clients who faced serious issues due to their trust in unqualified preparers, emphasizing the importance of vigilance in financial stewardship. From refusing to sign returns to promising unusually large refunds, these warning signs can save you from unnecessary stress and financial loss. Tune in for actionable insights that will equip you to make informed decisions about doing your taxes the right way. Read today's blog article Check out the full podcast episode here Podcast Timestamps: 00:00 Episode Overview 02:22 Listener Question: Red Flags in Tax Preparation 04:26 Biblical Perspective on Financial Stewardship 05:55 Today’s Gratitude Statement 06:26 Client Stories: Real-Life Tax Preparation Nightmares 11:42 Identifying Red Flags in Tax Preparation 26:33 What to Do if You Suspect Your Tax Professional Is Dishonest 34:30 Call to Action: Go to https://askralphpodcast.com/ and Book a Call With Ralph 36:57 Reflection Questions 38:58 Recap & Closing Takeaways: Trusting someone with your taxes is a significant decision that requires careful consideration. Watch for red flags like preparers refusing to sign returns; this indicates unaccountability. If a tax preparer promises unusually large refunds, be cautious—this often means deception. Always ensure your refund is directed to you, not the preparer's account, to avoid fraud. Never sign blank forms for your tax returns; this could lead to unauthorized charges. Develop a relationship with your tax preparer, but remain vigilant about their practices. Links referenced in this episode: https://www.askralphpodcast.com/tax-refund-loan/ Support the Show https://askralphpodcast.com/support Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group Ask Ralph Show Live <a href="https://justaskralph.com/" rel="noopener noreferrer" target="_blan
S7 E35 · Tue, February 04, 2025
Who can you trust for your taxes? How to choose the right professional.
Finding a trustworthy tax professional is crucial, especially for small business owners like Bridgette, who fear making costly mistakes with their taxes. Ralph Estep Jr. addresses common concerns about hiring tax preparers and provides valuable insights on what to look for in a qualified professional. He breaks down the different types of tax professionals, such as certified public accountants (CPAs), enrolled agents (EAs), and tax attorneys, emphasizing the importance of credentials and experience. Ralph highlights the need for transparency regarding fees and the significance of year-round availability for addressing ongoing tax concerns. With a blend of humor and practical advice, he encourages listeners to take control of their financial peace by ensuring they choose the right professional to meet their unique needs. Read today's blog article Check out the full podcast episode here Podcast Timestamps: 00:00 Episode Overview 02:41 Listener Question: Finding a Trustworthy Tax Professional 04:23 Bible Verse: Proverbs 11:14 05:34 Types of Tax Professionals 13:52 Steps to Find the Right Tax Professional 25:09 Reflection Questions 26:35 Call to Action: Go to https://askralphpodcast.com/ and Book a Call With Ralph 26:57 Conclusion Takeaways: Finding the right tax professional can bring you peace of mind during tax season. It's essential to choose a licensed tax preparer to avoid costly mistakes and penalties. Non-credentialed preparers may lack the expertise needed for complex tax situations. Always verify the credentials and experience of your tax professional before hiring them. Avoid tax preparers who charge based on your refund amount as it's unethical. Consider seeking recommendations from trusted friends or family for reliable tax professionals. Links referenced in this episode: Support the Show https://askralphpodcast.com/support Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group Ask Ralph Show Live https:// askralphpodcast.com/live What is your question that you would like to
S7 E34 · Mon, February 03, 2025
Struggling with taxes? When should you bring in the pros?
Are you feeling overwhelmed by tax season and unsure if you should hire a professional? Ralph Estep Jr. addresses this common dilemma faced by many, especially small business owners like Kassandra, who shared her struggles with managing taxes for her photography business. The episode emphasizes that you don’t have to navigate the complexities of taxes alone and highlights the importance of seeking help when needed. Ralph outlines six key situations that signal when it's time to bring in a tax professional, including experiencing major life changes and dealing with audits. With a blend of personal stories and biblical wisdom, listeners are encouraged to find peace of mind and focus on what truly matters in their lives by letting the experts handle their tax concerns and stop struggling with taxes. Read today's blog article Check out the full podcast episode here Podcast Timestamps: 00:00 Episode Overview 01:40 Today’s Gratitude Statement 02:06 Listener Question: Kassandra's Tax Dilemma 04:25 Biblical Wisdom on Seeking Counsel 05:36 James' Story: A Lesson in Tax Troubles 09:58 Six Signs You Need a Tax Professional 16:37 Benefits of Hiring a Tax Professional 20:10 Call to Action: Visit https://askralphpodcast.com/taxprep to schedule your consultation today 21:11 Reflection Questions 23:11 Closing Takeaways: Tax season can be overwhelming, especially for small business owners managing multiple income streams. Hiring a tax professional isn't a failure; it's a wise decision for financial stability. Complex tax situations often require professional help to minimize mistakes and maximize deductions. Major life changes can complicate your tax filings, making professional guidance beneficial. Receiving an IRS audit notice is a crucial moment to seek assistance from a tax expert. If you're feeling stressed or overwhelmed during tax season, it's time to hire help. Links referenced in this episode: Support the Show https://askralphpodcast.com/support Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group Ask Ralph Show Live https:// <a href="http://askralphpodcast.com/live" rel="noo
S7 E33 · Sun, February 02, 2025
Can you serve two masters: Finding God’s purpose in your professional life?
Feeling overwhelmed by the demands of work, family, and faith is a struggle many face, and today’s discussion dives deep into how to navigate this challenge. The key takeaway is that setting healthy boundaries is essential for honoring God while fulfilling your responsibilities. Kristina's heartfelt message illustrates this common plight, reminding us that we often feel stretched thin when trying to serve multiple masters. By prioritizing our faith and aligning our work with God's purpose, we can find clarity and peace amidst the chaos. Practical steps, including understanding priorities, praying for wisdom, and communicating boundaries with kindness, empower us to reclaim control over our lives without guilt. Ultimately, by recognizing that we cannot serve two masters, we can make intentional choices that lead to a more focused, peaceful life aligned with God's will. Read today's blog article Check out the full podcast episode here Podcast Timestamps: 00:00 Episode Overview 02:57 Listener’s Question: The Struggle of a Working Mom 04:22 Biblical Guidance: Serving God and Not Money 05:55 Blake's Journey: Rebuilding Life with God at the Center 07:59 The Simple Steps Blake Took to Live a Purpose-Driven Life 13:50 Practical Steps to Set Boundaries Without Feeling Guilty 18:00 Examples of Healthy Boundaries 19:10 How do we go about Overcoming Guilt? 21:11 Prayer 22:12 Reflection Questions 24:06 Visit https://www.askralphpodcast.com/blog/ for Free Financial Resources 24:30 Closing Takeaways: Balancing faith, family, and work can feel like a constant struggle for many. Setting boundaries is essential for honoring God while still caring for family needs. Jesus modeled the importance of rest and setting boundaries during his ministry. Communicating boundaries clearly can help reduce feelings of guilt and disappointment. Recognizing your priorities allows for better decision-making regarding your time and energy. Understanding that boundaries are not selfish, but rather a way to honor God. Links referenced in this episode: Support the Show https://askralphpodcast.com/support Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group </li
S7 E32 · Sat, February 01, 2025
Home sweet home…or is it? The questions every first time buyer must ask.
Are you dreaming of buying your first home but feeling overwhelmed by fear and uncertainty? In this episode, Ralph Estep explores the essential steps to approach homeownership with confidence and faith. He emphasizes the importance of prayer and seeking God's guidance, as well as assessing your financial readiness before making such a significant decision. Ralph discusses common pitfalls for first-time buyers, including the necessity of maintaining an emergency fund and understanding the true costs of homeownership beyond just the mortgage payment. With insightful advice and practical tips, this episode equips you with the tools needed to navigate the home-buying process while aligning your financial decisions with your values and long-term goals. By taking a thoughtful and faith-driven approach, you can turn your dream into reality and create your own "home sweet home." Read today's blog article Check out the full podcast episode here Podcast Timestamps: 00:00 Episode Overview 01:21 Listener Question #1: Tax Deductions for Volunteers 03:49 Listener Question #2: Organizing Business Expenses 08:15 Main Topic: Buying Your First Home 08:29 Listener Question #3: First-Time Buyer Concerns 09:07 Bible Verse - Proverbs 16:9 – Trusting God’s Guidance 09:45 Today’s Gratitude Statement 10:21 Four Key Areas To Consider When Buying Your First Home 19:55 Avoiding Common Mistakes for First-Time Homebuyers 31:30 Actionable Steps to Prepare for Homeownership 32:49 Reflection Questions 34:40 Visit https://www.askralphpodcast.com/blog/ for Free Financial Resources 35:51 Closing Takeaways: Financial readiness involves not just mortgage payments but also property taxes and maintenance costs. Pray for clarity and guidance when considering the decision to buy a home. It's crucial to have a budget that considers all potential homeownership expenses. Building an emergency fund of three to six months' expenses is essential before buying. Avoid emotional decision-making when house hunting; stick to your budget and needs. Keep detailed receipts and logs for any tax deductions related to volunteering. Links referenced in this episode: Support the Show https://askralphpodcast.com/support Ask Ralph Insiders Community <a href="https://mailchi.mp/askralph.com/group
S7 E31 · Fri, January 31, 2025
Cash in or roll over? What’s the smart move for your maturing CD?
Feeling stuck with your maturing CD? You're not alone! Ralph Estep Jr. dives into the dilemma many face when deciding whether to cash out, roll over, or explore other investment options. He shares valuable insights on how to break free from the paralysis caused by fear of making the wrong financial decision. By evaluating your risk tolerance and understanding your financial goals, you can take control of your money and make informed choices that honor God. Ralph also discusses various alternatives, including CD laddering, high-yield savings accounts, and even stocks, providing a roadmap to navigate your financial future with confidence and make the best decision for your maturing CD. Read today's blog article Check out the full podcast episode here Podcast Timestamps: 00:00 Episode Overview 02:41 Listener’s Question: What Should I Do When My CD Matures? 04:48 Bible Verse - Proverbs 27:23-24 05:54 Today’s Gratitude Statement 07:52 What is a CD? 08:37 Understanding Your Options with CDs 08:43 #1 Cash It In 08:56 #2 Roll It Over 09:19 #3 Let It Auto-Renew 29:55 Action Steps To Make The Smart Choice 29:59 #1 Evaluate Your Goals 30:24 #2 Research Current Rates 30:40 #3 Consider Alternatives 31:36 #4 Pray and Seek Wise Counsel 31:58 Reflection Questions 33:12:00 Closing Takeaways: Making financial decisions can be overwhelming, especially when faced with uncertainty and fear. Evaluate your financial goals, since cashing in or rolling over may depend on them. Consider CD laddering as a strategy to balance returns and liquidity effectively. Investing in high yield savings accounts can provide better returns than traditional savings. Understanding your risk tolerance is crucial before deciding on investment options. Seek guidance from trusted financial advisors who align with your values and goals. Links referenced in this episode: Check out our blog: askralphpodcast.com/blog Support the Show https://askralphpodcast.com/support Ask Ralph Show Live https:// askralphpodcast.com/live What is your question that you would like to ask Ralph? Send Your Question
S7 E30 · Thu, January 30, 2025
Desperate for tax relief? Why are some solutions worse than the problem?
Are you feeling overwhelmed by tax debt and unsure who to trust for help? This episode dives deep into the risks of falling for too-good-to-be-true tax relief schemes that can actually worsen your situation. Host Ralph Estep Jr. shares real-life stories of individuals who sought quick fixes but ended up with more stress and debt. Instead of relying on questionable promises, listeners are encouraged to take thoughtful and honest steps to address their tax challenges. With practical advice on how to work directly with the IRS and the importance of seeking professional help, this episode aims to empower you to regain control of your financial future and find true relief—especially if you're desperate for tax relief. Read today's blog article Check out the full podcast episode here Podcast Timestamps: 00:00 Episode Overview 02:02 Listener’s Question: Are Tax Relief Companies Legit? 04:17 Bible Verse: Proverbs 3:5-6 – Trust in the Lord with All Your Heart 06:07 Today’s Gratitude Statement 06:25 Real-Life Story: Tessa’s Tax Relief Nightmare 07:58 Risks of Desperate Tax Relief Solutions 08:03 #1 Exorbitant Fees 13:25 #2 Empty Promises 15:30 #3 Lack of Transparency 16:20 #4 Increased Debt 17:42 Better Solutions for Managing Tax Debt 17:46 #1 Contact the IRS Directly 18:52 #2 Set Up an Installment Agreement 19:48 #3 Seek Professional Help 20:51 #4 Build a Budget 22:09 #5 Stay Honest 25:01 Visit https://www.askralphpodcast.com/blog/ for Free Financial Resources 25:24 Reflection Questions 27:30 Recap and Closing Takeaways: Tax debt can feel overwhelming, but avoid falling for too-good-to-be-true solutions. Seek legitimate help when dealing with tax debt, such as professional accountants or tax attorneys. Many tax relief companies charge exorbitant upfront fees and often do not deliver on promises. It's crucial to trust in God's provision and approach financial issues with wisdom and integrity. Create a personalized plan for managing your tax debt while avoiding schemes that only worsen your situation. Remember that while there is no quick fix for tax debt, there are practical steps you can take. Links referenced in this episode: Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group A
S7 E29 · Wed, January 29, 2025
Wait, what are estimated taxes and do I actually have to pay them?
Feeling overwhelmed by taxes is a common experience, especially when it comes to estimated taxes. Ralph Estep Jr. addresses this critical topic by breaking down what estimated taxes are, who needs to pay them, and how to avoid those dreaded penalties. He shares a relatable story about a freelance graphic designer named Mike, who learned to manage his taxes effectively through a simple system that provided him peace of mind. By emphasizing the importance of proactive planning and cash flow management, Ralph offers practical steps that anyone can implement to take control of their tax obligations. This episode is not just about numbers; it's about empowering listeners to overcome confusion, gain confidence in their financial responsibilities, and answer the question, "What are estimated taxes?" Read today's blog article Check out the full podcast episode here Podcast Timestamps: 00:00 Episode Overview 02:14 Listener Question: Beth's Tax Struggles 03:33 Biblical Perspective on Taxes 04:47 Today’s Gratitude Statement 06:44 Mike's Story: A Lesson in Tax Management 11:54 Steps to Manage Estimated Taxes 15:05 Call to Action 16:46 Reflection Questions 19:12 Final Thoughts Takeaways: Estimated taxes are crucial for managing cash flow and avoiding IRS penalties. Setting aside a percentage of income for taxes can prevent financial stress at year-end. Using a separate savings account labeled 'taxes' helps track money for tax payments. Mark your calendar with estimated tax payment dates to maintain compliance and reduce anxiety. Understanding your tax obligations can empower you and transform your financial management. Tax planning is essential for financial peace and requires proactive strategies throughout the year. Links referenced in this episode: Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group Ask Ralph Show Live https:// askralphpodcast.com/live What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/ Join our email list and get a free copy of “Mastering Your Finances” at <a href="https://askralph.com/" rel="noo
S7 E28 · Tue, January 28, 2025
How much money could you save by managing your credit like a Pro?
Feeling frustrated by high interest rates or the embarrassment of being denied credit? You're not alone, and today we’re diving into the world of credit monitoring services, exploring how managing your credit like a pro can save you thousands of dollars and restore your peace of mind. Ralph Estep Jr. addresses a heartfelt question from Juliana, who recently faced unauthorized charges on her credit card, leading to a drop in her credit score. He shares vital tools and strategies to help protect yourself from fraud and improve your credit score. Tune in to learn the benefits of good credit, the impact of bad credit, and why investing in credit monitoring can be a game-changer for your financial health by helping you take control of managing your credit. Read today's blog article Check out the full podcast episode here Podcast Timestamps: 00:00 Episode Overview 01:43 Listener's Heartfelt Question 04:22 Biblical Perspective on Money 05:04 Today’s Gratitude Statement 05:24 Benefits of Good Credit 11:06 Consequences of Bad Credit 16:15 Understanding Credit Monitoring 20:54 Visit https://www.askralphpodcast.com/blog/ for Free Financial Resources 21:20 Immediate Actions for Fraud Protection 26:08 Call to Action 27:42 Reflection Questions 29:48 Closing Thoughts Takeaways: Managing your credit wisely can lead to significant savings on loans and interest rates. Credit monitoring services help identify unauthorized charges and protect against identity theft. Good credit not only lowers interest rates but also enhances credit card rewards and benefits. Taking immediate action after discovering fraud can prevent further financial damage. Regularly reviewing credit reports is essential for detecting errors and improving your credit status. Establishing a financial backup plan can alleviate stress during unexpected credit issues. Links referenced in this episode: https://www.askralphpodcast.com/freeze-my-credit-file/ https://www.askralphpodcast.com/repair-my-bad-credit/ Ask Ralph Insiders Community https://mailchi.mp/askralph.com/gro
S7 E27 · Mon, January 27, 2025
Locked out of E-filing? The secret PIN that changes everything
Are you feeling overwhelmed by the prospect of tax identity theft and the vulnerability that comes with filing your taxes? Ralph Estep tackles this pressing concern head-on, sharing powerful strategies to secure your financial identity while maintaining your spiritual integrity. With a focus on the IRS's Identity Theft Protection Personal Identification Number (IP PIN), he explains how this simple yet effective tool can drastically reduce the risk of fraudulent tax returns and give you peace of mind. Ralph emphasizes the importance of being a wise steward of the resources entrusted to you by God, and he provides actionable steps to protect your finances. By taking these precautions, you can avoid being locked out of E-filing and ensure that your tax season is both secure and stress-free. Join Ralph as he combines real-world experience with biblical truth, ensuring you feel empowered and informed as you navigate the complexities of tax season. Read today's blog article Check out the full podcast episode here Podcast Timestamps: 00:00 Episode Overview 04:06 Listener's Question: Real-Life Tax Identity Theft Fears 07:16 Scriptural Guidance on Taxes 08:05 Today’s Gratitude Statement 08:25 Understanding IRS Identity Theft Statistics 11:05 The IP PIN Program: A Solution to Tax Identity Theft 18:30 Practical Steps to Protect Your Financial Identity 23:10 Visit https://www.askralphpodcast.com/blog/ for Free Resources 23:59 Call to Action 27:10 Reflection Questions 28:45 Final Thoughts Takeaways: Feeling overwhelmed by tax season is common, but there are effective ways to protect your identity. The IRS IP PIN program offers a high level of security against tax identity theft. Setting aside dedicated time each week for tax organization can significantly reduce stress during filing. Building a network of support, including trusted tax professionals, is crucial for financial peace. Creating an IRS online account is an essential step for managing your tax information efficiently. Implementing a routine to track expenses can prevent last-minute chaos when filing taxes. Links referenced in this episode: Get an Identity Protection PIN (IP PIN) https://www.irs.gov/ippin Ask Ralph Insiders Community <a href="https://mailchi.mp/askralph.com/group" rel="noopener noreferre
S7 E26 · Sun, January 26, 2025
Why Don't I Feel Close to God Anymore?
Feeling spiritually empty despite business success is a struggle many Christian entrepreneurs face, and this episode dives deep into that very challenge. Ralph Estep Jr. shares his personal journey of reconnection with God and the transformative impact it had on both his faith and financial decisions. He emphasizes that true success is not just about spreadsheets and profit margins, but about integrating spiritual practices into every aspect of business. Through a heartfelt message from a listener, Michael, Ralph explores the importance of maintaining a deep connection with God while navigating the demands of entrepreneurship. By implementing a strategy of prayer before profits and aligning business practices with biblical principles, listeners are encouraged to use their entrepreneurial journeys as a way to grow spiritually and feel close to God in every step they take. Read today's blog article Check out the full podcast episode here Podcast Timestamps: 00:00 Episode Overview 02:32 Listener's Struggle: Michael's Story 09:26 Bible Verse 11:53 Today’s Gratitude Statement 13:47 Ralph’s Personal Story of Spiritual Transformation 17:52 The 3P Strategy: Prayer, Principles, Profits 20:18 Practical Steps for Integrating the 3P Strategy 25:35 Visit https://www.askralphpodcast.com/blog/ for Free Resources 32:09 Reflection Questions 34:01 Final Thoughts Takeaways: Maintaining a deep connection with God is essential for navigating business decisions. Spiritual emptiness can manifest in compulsive spending, which often masks deeper issues. Integrating prayer into daily routines can transform both spiritual and financial aspects of life. Recognizing the disconnect between faith and business is the first step toward transformation. Businesses should be viewed as platforms for living out faith rather than just profit centers. Aligning business practices with biblical principles leads to both integrity and financial success. Links referenced in this episode: askralphpodcast.com/blog askralphpodcast.com/gospel Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group Ask Ralph Show Live
S7 E25 · Sat, January 25, 2025
Is ID.me the Future of Digital Identity, or a Privacy Nightmare?
Join Ralph Estep, Jr. as he tackles pressing financial concerns, including how to safeguard your personal information online and navigate the murky waters of IRS scams. This episode highlights the importance of vigilance in protecting yourself and your loved ones from fraud, especially as scammers become increasingly sophisticated in their tactics. Ralph emphasizes the significance of wisdom and understanding when making financial decisions, urging listeners to be proactive in managing their financial health. From protecting your identity to handling insurance claims after disasters, this episode is packed with actionable advice that can save you time, money, and stress. Tune in for insightful reflections and practical strategies to help you stay informed and secure in today’s financial landscape—while exploring whether ID.me is the future of digital identity or a privacy nightmare. Read today's blog article Check out the full podcast episode here Podcast Timestamps: 00:00 Episode Overview 01:26 Bible Verse 01:55 Today’s Gratitude Statement 02:40 Listener Question: IRS ID PIN Concerns 03:45 ID.me and IRS Partnership 05:24 Alternatives to Using ID.me 07:15 Reflection Questions 09:07 Listener Question: Navigating Insurance Claims After a Disaster 11:16 How To Manage Insurance Claims After A Catastrophe 17:15 Reflection Questions 21:17 Listener Question: Identifying IRS Scams 23:50 Key Red Flags to Recognize IRS Scams 31:51 What to Do if You Suspect a Scam 33:20 Reflection Questions 36:24 BOI Scams 41:09 Call to Action - Share the Ask Ralph Show 41:55 Final Thoughts Takeaways: In today's financial landscape, safeguarding your personal information while seeking help is crucial. Understanding IRS scams can protect vulnerable individuals from falling victim to fraudulent schemes. Documenting everything during an insurance claim is vital to ensure you receive fair compensation. Having a trusted team of professionals can help you navigate financial emergencies effectively. You must verify any communication from the IRS to avoid falling for scams. Establishing and maintaining emergency funds is essential for dealing with unexpected financial disasters. Links referenced in this episode: Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group Ask Ralph Show Live <a href="https://justaskralph.com/" rel
S7 E24 · Fri, January 24, 2025
Why Are New Car Owners Most at Risk for This Insurance Nightmare?
Navigating the aftermath of a car accident can be daunting, especially when you find yourself facing a financial gap due to depreciation. Ralph Estep Jr. tackles this critical issue by discussing the importance of gap insurance, which protects you from the difference between what your car is worth and what you still owe on your loan. He shares a heartfelt listener question from Jessica, who is grappling with a $7,000 deficit after her SUV was totaled. With insightful statistics and personal anecdotes, Ralph emphasizes the need for proactive financial planning and the role of insurance in safeguarding your future. Tune in for practical advice on how to avoid costly mistakes and escape this insurance nightmare , ensuring peace of mind in your financial journey. Read today's blog article Check out the full podcast episode here Podcast Timestamps: 00:00 Episode Overview 01:51 Listener's Heartbreaking Story 04:43 Bible Verse 05:28 Today’s Gratitude Statement 05:56 Eye-Opening Statistics Why GAP Insurance Is Crucial In Today’s Financial Landscape 13:31 What Is Gap Insurance and Its Coverage 15:16 How to Get GAP Insurance 16:32 Real-Life Example of GAP Insurance 19:35 What does GAP Coverage Cost? 20:52 Why Is GAP Insurance Important? 21:41 Evaluating Your Need for GAP Insurance 23:15 Creative Alternatives to GAP Insurance 25:47 Addressing Jessica's Situation 29:50 Visit https://www.askralphpodcast.com/blog/ for Free Financial Resources 30:12 Call to Action - 5 Ways You Can Share The Episode 32:30 Reflection Questions 34:25 Final Thoughts Takeaways: Understanding gap insurance is essential to avoid financial disaster when your car is totaled. Always read your loan paperwork carefully to check for included gap insurance coverage. Making a larger down payment can significantly reduce the risk of being underwater on your loan. Challenge your insurance company's valuation if you believe it undervalues your totaled vehicle. Building an emergency fund can provide a safety net for unexpected vehicle expenses. Consider negotiating the price of gap insurance when purchasing a new or used vehicle. Links referenced in this episode: Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group Ask Ralph Show Live <a href="h
S7 E23 · Thu, January 23, 2025
Is Your Old Filing Status Stealing Your Tax Refund?
Are you potentially leaving thousands of dollars on the table due to a simple checkbox on your tax return? Discover how a single oversight can cost you dearly, as Ralph Estep Jr. shares the gripping story of Michelle, a widow who missed out on $8,000 in tax refunds simply because she wasn't aware of her filing options. If you're a single parent, recently widowed, or supporting family members, this episode holds the key to unlocking significant financial benefits that could change your life. Ralph dives into the importance of understanding tax filing statuses and offers practical steps to reclaim what is rightfully yours. Join him as he combines real-world experience with faith-based principles to guide you toward financial clarity and security. Don’t let your old filing status steal your tax refund – tune in and take control of your financial future today! Read today's blog article Check out the full podcast episode here Podcast Timestamps: 00:00 Episode Overview 03:36 Listener’s Question 07:21 Bible Verse 07:46 Today’s Gratitude Statement 08:10 Michelle’s Story 13:58 Practical Steps to Maximize Your Refund 16:38 Immediate Actions Steps to Maximize Your Tax Savings 19:59 Visit https://www.askralphpodcast.com/blog/ for Free Financial Resources 20:18 Call to Action - Visit https://www.askralphpodcast.com/taxprep / to schedule your tax preparation today 23:47 Reflection Questions 25:30 Final Thoughts Takeaways: Many people unknowingly miss out on significant tax refunds due to incorrect filing statuses. Understanding tax filing options can potentially recover thousands in missed refunds for families. Seeking professional tax advice is a wise investment that can lead to financial recovery. The story of Michelle illustrates how simple changes in tax filing can change lives. Single parents and widows should explore their tax filing status to maximize refunds. Amending past tax returns can uncover missed opportunities for financial support and stability. Links referenced in this episode: askralph.com https://www.askralphpodcast.com/blog/ <a href="https://www.askralphpodcast.com/taxprep
S7 E22 · Wed, January 22, 2025
Can Spending More on Healthcare Now Actually Save You Thousands Later? My interview with Dr. Alex Watson of Admire Medical
Are you tired of feeling trapped by rising medical bills? Ralph Estep Jr. sits down with Dr. Alex Watson from Admire Medical to explore how preventive healthcare can transform your financial future. They discuss the concept of "prehabilitation," a proactive approach that not only improves health outcomes but can also save you thousands in future medical costs. Through real success stories, including a patient who eliminated insulin dependency, they highlight the tangible benefits of investing in your health today to avoid greater expenses down the road. Join Ralph and Dr. Watson as they uncover strategies to better manage your health and finances while aligning with Christian stewardship principles—because investing in your health today can Save You Thousands Later. Read today's blog article Check out the full podcast episode here: Podcast Timestamps: 00:00 Episode Overview 02:25 Listener Question: Struggling with Medical Bills 08:00 Bible Verse 08:30 Gratitude Statement 08:48 My Interview with Dr. Alex Watson from Admire Medical 12:33 Understanding Prehabilitation 19:36 Membership-Based Healthcare Model 25:50 Ideal Patients for Preventive Care 35:32 Challenges in Conventional Medicine 39:39 Financial Benefits of Preventive Care 44:46 Success Stories and Patient Outcomes 50:22 How to Connect with Dr. Watson 54:24 Visit https://www.askralphpodcast.com/blog/ for Free Financial Resources 54:44 Reflection Questions 56:32 Call to Action 57:47 Conclusion Takeaways: Preventive healthcare can save you significant costs in the long run by reducing chronic health issues. Investing in your health through preventive measures is a form of financial stewardship. A membership-based medical practice can provide personalized care and better health outcomes. Understanding the connection between financial and health well-being is vital for overall success. Using Health Savings Accounts (HSAs) for preventive care can maximize your savings potential. Many patients experience life-changing health improvements by engaging in preventive and prehabilitation care. Links referenced in this episode: Dr. Alex Watson's Website: admiremedical.com Get a copy of Dr. Watson's book - Healing in Advance: Your Prehabilitation Handbook <a hr
S7 E21 · Tue, January 21, 2025
Tax Identity Theft: Is Someone Filing Returns in Your Name?
Tax identity theft can be a devastating blow to your finances, leaving you feeling violated and overwhelmed. Today, we dive deep into this pressing issue, sharing practical steps you can take to protect yourself and your family from becoming a victim. We'll explore a powerful story of Sarah, a small business owner who faced this nightmare, and how she navigated her way from crisis to triumph with faith and guidance. Throughout the episode, financial evangelist Ralph Estep Jr. emphasizes the importance of being proactive in safeguarding your financial identity, offering biblical wisdom and actionable advice. Don’t miss out on these essential insights to help you secure your financial future, find peace of mind amidst uncertainty, and protect yourself from Tax Identity Theft. Read today's blog article Check out the full podcast episode here Podcast Timestamps: 00:00 Episode Overview 02:21 Listener Question: Maria's Tax Identity Theft 06:05 Bible Verse: Proverbs 22:3 07:00 Today’s Gratitude Statement 07:17 Sarah's Story: From Crisis to Triumph 15:55 Immediate Actions for Victims of Tax Identity Theft 18:06 Critical Business Protection Steps 19:48 Spiritual and Personal Support 20:35 Documentation to Gather 21:54 Essential Strategies to Prevent Tax Identity Theft 27:26 Visit https://www.askralphpodcast.com/blog/ for Free Financial Resources 27:48 Call to Action: Join the Live Community 30:36 Reflection Questions 32:38 Closing Takeaways: Tax identity theft can happen to anyone, so proactive measures are essential to prevent it. Filing your tax return early can protect you from identity theft and help identify issues. Always secure personal information, including shredding documents and using strong passwords. Maintaining detailed records and documenting every interaction with financial institutions is crucial. Engage a trusted financial advisor or professional for guidance in complex situations. Having a plan for financial emergencies can strengthen your resilience against identity theft. Links referenced in this episode: Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group Ask Ralph Show Live https:// <a href="http://askralphpodcast.co
S7 E20 · Mon, January 20, 2025
Does Saving for Emergencies Mean We Don't Trust God?
Feeling guilty about having an emergency fund? You’re not alone. Many people wrestle with the idea that saving money might indicate a lack of trust in God. Ralph addresses this struggle head-on, sharing his personal journey from financial hardship to finding peace in balancing financial responsibility with faith. Through the lens of Matthew 6:26, he emphasizes that wise stewardship is not only acceptable but can be an expression of faith. Join Ralph as he offers practical biblical guidance to help you align your financial decisions with God’s purpose, proving that financial success, saving for emergencies, and deep faith can coexist harmoniously. Read today's blog article Check out the full podcast episode here Podcast Timestamps: 00:00 Episode Overview 01:48 Listener's Dilemma: Trusting God vs. Financial Preparedness 05:28 Biblical Insights: Matthew 6:26 08:10 Today’s Gratitude Statement 08:35 Personal Journey: Lessons from Two Financial Extremes 15:20 Practical Steps: Finding Balance Between Faith and Finances 23:30 Visit https://www.askralphpodcast.com/blog/ for Free Financial Resources 23:51 Reflection Questions 27:20 Final Thoughts Takeaways: Being financially responsible does not equate to a lack of faith in God. Wise stewardship can be an expression of faith, blending financial responsibility with trust. Planning for emergencies can coexist with trusting God for daily provision and care. Your unique financial story, shaped by experiences, prepares you for greater purposes. Grounding yourself in scripture helps combat feelings of guilt regarding wealth and savings. Engaging in practical steps for balance is essential for integrating faith and finances. Links referenced in this episode: Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group Ask Ralph Show Live https:// askralphpodcast.com/live What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/ Join our email list and get a free copy of “Mastering Your Finances” at <a href="https:/
S7 E19 · Sun, January 19, 2025
How do I find peace with God?
How do you find genuine peace with God amidst the chaos of financial success? This episode delves into the transformative journey of individuals like Michael, who, despite achieving impressive business milestones, grapple with an overwhelming sense of emptiness. Through the story of David, a successful entrepreneur who discovered that true fulfillment comes from aligning business practices with spiritual values, listeners are encouraged to embrace purpose-driven entrepreneurship. The discussion highlights practical steps, such as starting each day with prayer and establishing a faith-based support system, to cultivate a deeper connection with God while managing business challenges. Tune in as we explore how integrating faith into your work can lead not only to spiritual growth and unexpected business success but also to lasting peace with God. Read today's blog article Check out the full podcast episode here Podcast Timestamps: 00:00 Episode Overview 02:42 Listener’s Question 04:58 David's Journey to Spiritual Awakening 08:33 Biblical Verse 11:45 My Gratitude Statement 19:07 Three Transformative Steps for Entrepreneurs 28:13 Visit https://www.askralphpodcast.com/blog/ for Free Financial Resources 28:40 Call to Action 32:16 Reflection Questions 33:52 Prayer 36:17 Closing Takeaways: Finding peace with God can significantly transform your approach to business and finances. True entrepreneurial purpose integrates spiritual fulfillment with financial success, rather than opposing each other. Establish daily practices like prayer and scripture reading to align your business decisions with faith. Building a support system of fellow Christian entrepreneurs provides both accountability and encouragement during challenges. Viewing your business as a ministry can shift your focus from profit to purpose, leading to fulfillment. Reflect on your life to identify areas where you need to surrender control to God. Links referenced in this episode: Gospel of Entrepreneurship Book https:// askralphpodcast.com/gospel Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group Ask Ralph Show Live <a href="https://justaskr
S7 E18 · Sat, January 18, 2025
Help! I Just Got a 1099 - What Is It and What Do I Do Now?
Are you feeling overwhelmed by tax obligations as a freelancer? This episode dives into the concerns of Angie's journey as a new freelance graphic designer facing the anxiety of tax responsibilities, particularly after receiving multiple 1099 forms. Ralph Estep Jr. offers practical advice on managing finances, including how to handle deductions, the importance of setting aside money for taxes, and the value of seeking professional help. The discussion also clarifies the crucial differences between tax credits and deductions, explaining why a tax credit is generally far more beneficial than a deduction. Tune in for insights that align financial decision-making with biblical principles, ensuring you're not only compliant but also finding peace of mind in your financial journey—especially if you just got a 1099. Read today's blog article Check out the full podcast episode here Podcast Timestamps: 00:00 Episode Overview 01:45 Bible Verse 02:26 Gratitude Statement 03:16 Listener’s Question 06:40 Practical Steps for Freelancers 15:08 Listener’s Question #2 16:28 Single Parent Tax Benefits 23:25 Action Steps for Custody and Tax Documentation 25:32 Listener’s Question #3 26:24 Tax Credits vs. Tax Deductions: Understanding the Difference 27:16 Tax Credits: The Heavyweight Champions 28:22 Tax Deductions: Discounts on Taxable Income 31:34 Strategic Tax Planning: Credits and Deductions 34:37 Saggio Management Group: Your Financial Ally 38:18 Closing Thoughts Takeaways: Managing finances involves both practical steps and spiritual integrity, as discussed by Ralph. Freelancers must understand their tax obligations, including the importance of 1099 forms. It's crucial to differentiate between tax credits and deductions, as they impact savings. Setting aside 25 to 35% of income for taxes can prevent financial stress later. Organizing financial documents and receipts is key to successful tax preparation. Seeking professional help for tax issues can provide peace of mind and clarity. Links referenced in this episode: askralphpodcast.com/taxprep Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group Ask Ralph Show Live https:// <a href="http://askra
S7 E17 · Fri, January 17, 2025
How do I teach my children about biblical money principles?
Are you worried your children might repeat the same financial mistakes you made growing up? Ralph Estep Jr. addresses this common concern by sharing effective strategies for teaching children biblical money principles that can foster lifelong financial responsibility. He emphasizes that understanding money management isn’t just about numbers—it's about creating a legacy that impacts future generations. Through a heartfelt listener question from Ingrid, who fears her daughter’s materialistic tendencies, Ralph explores the importance of aligning financial decisions with faith and values. With practical advice on earning, saving, spending, and giving, this episode aims to equip parents with the tools to teach their children about biblical money principles and instill sound financial habits while navigating today’s materialistic culture. Read today's blog article Check out the full podcast here Podcast Timestamps: 00:00 Episode Overview 02:55 Listener Question: Ingrid's Struggle 07:22 Bible Verse 10:12 My Gratitude Statement 11:18 Statistic About Youth And Materialism 13:23 Personal Story: The Claw Machine Incident 18:34 The Four Components of Money Management 27:43 Visit https://www.askralphpodcast.com/blog/ for Free Financial Resources 28:07 Call to Action 31:07 Reflection Questions 32:51 Conclusion Takeaways: Teaching children biblical money principles fosters a legacy that impacts future generations. Starting early with money concepts, like piggy banks, helps children understand finances. Parents can model financial responsibility by discussing budgeting and sharing successes and setbacks. Involving kids in financial decisions encourages understanding of budgeting and responsible spending. Using interactive tools, like money games, can make financial learning fun for children. Encouraging charitable giving helps children learn the importance of stewardship over materialism. Links referenced in this episode: Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group Ask Ralph Show Live https:// askralphpodcast.com/live What is your question t
S7 E16 · Thu, January 16, 2025
Do I have to pay taxes when I sell my home?
Are you worried about a hefty tax bill after selling your home? Ralph Estep Jr. addresses this common concern by sharing the inspiring story of his client, Patrick, who transitioned from panic to peace upon discovering the truth about home sales taxes. Ralph emphasizes the importance of understanding capital gains tax exemptions and illustrates how proper planning can save you significant amounts of money. He also highlights the critical role of documenting home improvements, which can substantially increase your cost basis and minimize tax liability. With practical advice and relatable anecdotes, Ralph encourages listeners to seek wise counsel and take control of their financial futures while navigating the emotional complexities of selling a home—even if you're asking yourself, "Will I have to pay taxes when I sell my home?" Read today's blog article Check out the full podcast episode Podcast Timestamps: 00:00 Episode Overview 02:10 Listener Question: Ginny's Dilemma 06:07 Biblical Wisdom for Financial Decisions 08:35 Gratitude Statement 08:56 Client Story: Patrick and Beth's Tax Relief 13:40 Understanding Capital Gains and Exclusions 18:04 State-Level Tax Considerations 21:13 Lessons Learned and Practical Advice 23:35 Visit https://www.askralphpodcast.com/blog/ for Free Financial Resources 23:51 Call to Action - Book a Call with Ralph! 27:31 Reflection Questions 28:22 Action Steps To Safeguard Your Financial Future When Selling Your Home 30:43 Conclusion Takeaways: Understanding the capital gains tax implications when selling your home is crucial to safeguarding your financial future. Keep meticulous records of home improvements, as they can significantly reduce your tax liability. Consulting with financial experts can alleviate anxiety and prevent costly mistakes during home sales. The primary residence exclusion allows married couples to exclude up to $500,000 in capital gains. Don't rely solely on family advice; seek multiple qualified advisors for sound financial decisions. Planning ahead for potential home sales can lead to better financial outcomes and reduced tax burdens. Links referenced in this episode: Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group Ask Ralph Show Live <a href="https://justaskralph.com/" rel="noop
S7 E15 · Wed, January 15, 2025
I spent too much at Christmas - how do I pay down my credit card debt?
Are you struggling with the financial aftermath of holiday spending? Ralph Estep Jr. shares the inspiring story of Henry, who turned his $10,000 credit card debt into a debt-free success in just ten months. This episode delves into the emotional stress of overwhelming debt and provides practical strategies for tackling credit card bills, creating a realistic budget, and finding hope during financial challenges. Ralph highlights the importance of aligning your spending with your values and incorporating faith into your financial decisions. Tune in as Ralph shares actionable steps to take control of your finances, achieve lasting freedom, and confidently work toward paying down your credit card debt. Read today's blog article Check out the full podcast episode here Podcast Timestamps: 00:00 Episode Overview 01:52 Listener's Heartfelt Question 06:18 Bible Verse: Hebrews 13:5 07:03 Gratitude Statement 07:43 Henry's Debt-Free Journey 14:55 Debt Freedom Plan 27:35 Visit https://www.askralphpodcast.com/blog/ for Free Financial Resources 27:50 Call to Action 33:07 Reflection Questions 33:54 Action Steps 35:21 Conclusion Takeaways: The emotional burden of credit card debt can often feel overwhelming, but there is hope. Creating a structured budget is essential for managing expenses and achieving debt freedom. Building an emergency fund protects against unexpected financial challenges and reduces stress. Communication with family members about financial struggles can help alleviate feelings of isolation. Finding ways to increase income, such as freelancing or side jobs, can accelerate debt repayment. Celebrating small financial milestones can motivate you to stay on track toward your goals. Links referenced in this episode: Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group Ask Ralph Show Live https:// askralphpodcast.com/live What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/ Join our email list and get a free copy
S7 E14 · Tue, January 14, 2025
What is a tax refund loan and why are they such a terrible idea?
Are you considering a tax refund loan because of urgent financial needs? Before you take that leap, it's crucial to understand why these loans can be a costly mistake. Host Ralph Estep Jr. dives deep into the predatory nature of tax refund loans, revealing how they often come with hidden fees that can lead you into a cycle of debt. He shares poignant stories, including that of a listener named Jessica, who is grappling with unexpected expenses and feels pressured to make a hasty decision. With practical advice and biblical wisdom, Ralph encourages listeners to explore healthier financial alternatives and emphasizes the importance of patience and discernment in money management, reminding them that a tax refund loan isn’t worth the long-term financial burden it may create. Read today's blog article Check out the full podcast episode here Podcast Timestamps: 00:00 Episode Overview 01:46 Listener Question: Jessica's Dilemma 04:46 Bible Verse: Isaiah 48:17 06:30 Gratitude Statement 06:50 Tom's Story: A Cautionary Tale 11:43 Understanding Tax Refund Loans 19:53 Visit https://www.askralphpodcast.com/blog/ for Free Financial Resources 20:16 Call to Action 23:49 Reflection Questions 24:59 Action Steps 28:09 Conclusion Takeaways: Tax refund loans often come with hidden fees that can cost you significantly more than waiting for your actual refund. It’s crucial to assess your financial situation carefully before opting for quick cash solutions like tax refund loans. Building an emergency fund is essential to avoid financial desperation during unexpected expenses, such as medical emergencies. Relying on tax refund advances can lead to a cycle of dependency and increased financial stress for struggling families. Understanding the true costs of tax preparation services can help you make more informed decisions when filing your taxes. Using direct deposit for your tax refund is not only faster but also more secure than receiving a check. Links referenced in this episode: Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group Ask Ralph Show Live https:// askralphpodcast.com/live What i
S7 E13 · Mon, January 13, 2025
How will I ever be able to buy a home?
Feeling discouraged by rising home prices and overwhelming debt? You're not alone, and there is hope. Ralph Estep Jr. shares how biblical wisdom and practical financial strategies can help you achieve your dream of homeownership. He addresses the importance of diligence and planning, emphasizing that the journey is just as crucial as the destination. Through inspiring stories of individuals who navigated their own financial challenges, Ralph illustrates how perseverance, faith, and the right guidance can lead to lasting stability and wealth. Join him as he provides actionable steps and resources to help you take control of your finances and move closer to being able to buy a home and achieve financial freedom. Read today's blog article Check out the full podcast episode here Podcast Timestamps: 00:00 Episode Overview 02:00 Listener Question: Kiley's Dilemma 03:53 Biblical Wisdom: Proverbs 21:5 04:35 Gratitude Statement 05:10 Rylie's Story: Overcoming Adversity 14:19 John and Mary Thompson: A Testament to Faith 20:51 Government Programs and Financial Strategies 22:36 Call to Action 24:17 Reflection Questions 25:31 Action Steps 27:40 Visit https://www.askralphpodcast.com/blog/ for Free Financial Resources 28:11 Conclusion Takeaways: Homeownership is achievable through diligent planning and aligning financial goals with faith. Persistent savings and financial education are crucial for navigating rising home prices effectively. Seek God's guidance through prayer while pursuing your dream of homeownership. Utilizing government programs like FHA and VA loans can ease the path to buying a home. Building an emergency fund should be prioritized before focusing on down payment savings. Your homeownership journey requires both faith and a solid financial plan to succeed. Links referenced in this episode: Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group Ask Ralph Show Live https:// askralphpodcast.com/live What is your question that you would like to ask Ralph? Send Your Question here: htt
S7 E12 · Sun, January 12, 2025
Should Christians invest in the stock market?
Are you grappling with the idea of investing in the stock market while staying true to your Christian values? Ralph Estep Jr. dives into this pressing concern, addressing the common misconception that investing equates to gambling. Through the heartfelt story of his client Rosa, he illustrates how faith can harmonize with financial stewardship, empowering believers to secure their futures without compromising their beliefs. Ralph emphasizes the biblical principles of wise planning and stewardship, reminding listeners that God expects us to manage our resources responsibly. Join him as he unpacks practical steps for investing ethically, balancing risk and faith, and ultimately finding peace in financial decisions that honor God—while answering the question: Should Christians invest in the stock market? Read today's blog article Check out the full podcast episode Podcast Timestamps: 00:00 Episode Overview 01:38 Listener Question: Is Investing in the Stock Market Gambling? 02:17 Biblical Principles on Stewardship 02:57 Gratitude Statement 03:23 Rosa's Story: Faith vs. Financial Reality 09:15 Key Message for Today 09:50 Ralph's Thoughts on Whether Christians Should Invest in the Stock Market 13:26 Historical Examples of Christian Investors 14:46 Practical Steps for Christian Investors 18:44 Visit https://www.askralphpodcast.com/blog/ for Free Financial Resources 19:03 Call to Action: Join the Live Community 22:41 Reflection Questions 23:47 Action Steps Christian Investors Can Take 25:28 Conclusion Takeaways: Investing in the stock market can align with Christian values when done responsibly. Fear of dishonoring God should not prevent Christians from being wise stewards. Biblical principles emphasize the importance of planning and stewardship in financial decisions. Investing wisely can secure a better financial future while honoring one's faith. Avoid equating investing with gambling; it is about value creation and responsible planning. True financial security is rooted in faith, not merely in material possessions. Links referenced in this episode: Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group Ask Ralph Show Live <a href="https://justaskralph.com/" rel="noopener noreferrer" target="_blan
S7 E11 · Sat, January 11, 2025
Why should I wait until 70 to collect social security?
This episode tackles critical financial questions that many listeners are grappling with, including the timing of Social Security benefits and the nuances of tithing on tax refunds. Ralph Estep, Jr. shares a compelling case study of a client named Martha, who faced a similar retirement dilemma as a viewer named Sarah, emphasizing the importance of personalized decision-making based on health and financial stability. The discussion also dives into the theological implications of tithing, particularly whether one should tithe on a tax refund, exploring both sides of the argument and encouraging listeners to reflect on their personal convictions. Furthermore, the episode sheds light on tax obligations for gig economy workers, stressing the necessity of keeping detailed records and making quarterly tax payments to avoid penalties. With practical advice and biblical wisdom, Ralph aims to empower listeners to take control of their finances, make informed decisions about when to collect Social Security, and align their financial choices with their faith. Read today's blog article Check out the full podcast episode Podcast Timestamps: 00:00 Episode Overview 02:00 Bible Verse - Ecclesiastes 7:8 02:41 Gratitude Statement 03:14 Listener’s Question: Social Security Dilemma 08:41 Visit https://www.askralphpodcast.com/blog/ for Free Financial Resources 09:09 Listener’s Question: Tithing on Tax Refunds 17:40 Listener’s Question: Tax Obligations for Gig Workers 28:14 Call to Action 32:04 Weekly Drawing of $100 Amazon Gift Card 38:20 Closing Takeaways: Social Security decisions should be personalized based on health, savings, and family history. Consider the implications of tithing on tax refunds and how it relates to your income. It's essential to track all income and expenses, especially for side gigs like delivery services. Understanding self-employment tax can significantly impact your overall tax liability and planning. When considering retirement, patience can lead to greater financial rewards in the long run. Engaging with a financial advisor can help navigate complex tax situations and avoid penalties. Links referenced in this episode: Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group Ask Ralph Show Live <a href="https://justaskralph.c
S7 E10 · Fri, January 10, 2025
What are ways to distribute wealth to my heirs to prevent tax issues?
Are you worried about how to pass your wealth to your children without losing a significant portion to taxes? Ralph Estep tackles this pressing concern in today's show, offering smart strategies for tax-efficient wealth distribution rooted in Christian principles. He shares a compelling question from his friend Bob, who is uncertain about how to effectively transfer his assets among his three children. The episode highlights the importance of proactive estate planning, including the potential benefits of annual gifting and setting up irrevocable trusts. Through a relatable story about a client named Tom, Ralph emphasizes that estate planning is not just about money but also about leaving a legacy of faith and service for future generations. Tune in for insights that could help you navigate your own financial legacy, prevent tax issues, and ensure it aligns with your values. Read today’s blog article Check out the full podcast episode Podcast Timestamps: 00:00 Episode Overview 01:54 Listener Question: Bob's Wealth Transfer Dilemma 03:51 Gratitude Statement 04:11 Bible Verse 05:35 Case Study: Tom's Legacy Planning 14:40 Key Takeaways 15:15 Annual Gifting Strategy 18:50 The Importance of Trusts in Estate Planning 19:50 Smart Investment Strategies 21:28 Key Reminders 23:12 Visit https://www.askralphpodcast.com/blog/ for Free Financial Resources 23:24 Call to Action: Rate The Show 26:06 Reflection Questions 27:35 Action Steps You Can Take 31:45 Conclusion Takeaways: Estate planning is not just about money; it's about creating a legacy that reflects your values. Utilizing strategies like annual gifting can significantly minimize the tax burden on heirs. Communicating openly with family about estate plans can prevent rifts and misunderstandings later. Regularly updating your estate planning documents is crucial as life circumstances change. It's important to understand the tax implications of your assets before passing them on. Seeking professional advice from financial advisors and estate planners is essential for effective planning. Links referenced in this episode: https://www.askralphpodcast.com/revocable-and-irrevocable-trust/ <a href="https://www.askralphpodcast.com/estate-planning-chat-with-attorn
S7 E9 · Thu, January 09, 2025
How do I handle my taxes when I live in one state and work in another?
Feeling overwhelmed by the complexities of state taxes when living in one state and working in another? You’re not alone, and this episode dives deep into the nuances of navigating multi-state taxation. Ralph Estep addresses a listener's concern about potential double taxation and the confusion surrounding tax obligations in different states. With real-world examples and practical advice, he highlights the importance of meticulous record-keeping and understanding state-specific regulations. Tune in for valuable insights on how to ensure compliance, avoid costly mistakes, and honor your financial responsibilities—all while maintaining a light-hearted approach to this serious topic. By the end, you'll feel more confident in your ability to handle my taxes effectively and with ease. Read today's blog article Check out the full podcast episode Podcast Timestamps: 00:00 Episode Overview 01:47 Listener Question: Navigating Double Taxation 02:56 Biblical Perspective on Taxes 03:31 Gratitude Statement 4:15 Case Study: The Modern Industrial Nomad 14:02 State Tax Reciprocity Explained 20:14 Tips for Multi-State Workers 22:14 Call to Action 24.17 Reflection 25:33 Action Steps 26:50 Conclusion Takeaways: Managing taxes across state lines can be complex and requires meticulous record-keeping. Double taxation might not be an issue if states offer tax credits for taxes paid elsewhere. Understanding state tax reciprocity agreements can simplify multi-state work tax obligations significantly. Professional tax guidance is crucial to avoid costly mistakes and ensure compliance with regulations. Employers may withhold taxes incorrectly; always verify your tax withholdings based on residency. Keeping track of all income sources and expenses can prevent future tax headaches. Links referenced in this episode: Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group Ask Ralph Show Live https:// askralphpodcast.com/live What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/ Join our email list and get a free copy of “Mastering
S7 E8 · Wed, January 08, 2025
What are the steps I can take to finally take control of my finances-My interview with Robert Plank
What happens when an 8-year-old boy suddenly finds himself managing household finances? Ralph Estep Jr. shares his transformative journey from childhood responsibilities to becoming a financial evangelist, helping others break free from financial despair. He delves into the intersection of faith and financial stewardship, emphasizing the importance of biblical principles for financial success. In a poignant discussion, Ralph recounts a life-changing visit to a concentration camp that ignited his mission to guide others towards financial peace and purpose. Join him and Robert Plank as they explore practical advice for achieving financial harmony in personal relationships, the significance of having a mission that goes beyond mere profit, and the steps to finally take control of my finances. Read today's blog article Check out the full podcast episode Podcast Timestamps: 00:00 Episode Overview 00:20 Setting the Stage: Interview on the Marketer of the Day Show 02:21 Listener Question: Preparing Children for Financial Responsibility 03:23 Gratitude Statement 04:13 Bible Verse 04:44 Main Interview: Ralph Estep Jr. on Faith and Finances 36:31 Reflection Questions 37:45 Call to Action: Share the Show 39:13 Action Steps 40:34 Closing Takeaways: The journey of financial literacy often begins early, as Ralph's childhood experiences demonstrate. Understanding your current financial position is essential before setting future financial goals. Ralph emphasizes that true financial success intertwines with one's spiritual and faith journey. Creating a financial roadmap helps individuals align their resources with their life goals. Financial education is lacking in society, perpetuating cycles of debt and financial stress. Ralph's mission is to help others find hope and freedom from financial bondage. Links referenced in this episode: Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group Ask Ralph Show Live https:// askralphpodcast.com/live What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/ Join our email list and g
S7 E7 · Tue, January 07, 2025
What are 16 ways that tech can make life easier for older people?
Are you feeling the weight of caring for aging parents who are determined to maintain their independence? This episode tackles the pressing issue of how technology can empower seniors to stay safe, connected, and independent. Join Ralph Estep Jr. as he shares 16 transformative tech solutions that can enhance the lives of seniors, drawing on real-life stories, such as that of his client Laurel, who went from struggling with isolation and missed medications to thriving through tech support. The discussion highlights the importance of bridging generational gaps with technology, showcasing tools that not only improve financial management but also foster social connections. With a mix of heartfelt stories and practical advice, you'll discover how to help your loved ones navigate the challenges of aging while preserving their dignity and independence—and see firsthand how tech can make life easier for older people. Check out the full podcast episode Read today's blog article Podcast Timestamps: 00:00 Episode Overview 02:35 Listener's Heart-Wrenching Question 04:54 Today’s Gratitude Statement 05:47 Biblical Perspective on Caring for Family 07:10 Client Story: Laurel's Digital Disconnection 14:36 Step-by-Step Implementation 21:35 Technology Solutions for Seniors 21:50 16 Essential Tech Tools for Seniors 29:59 Call to Action: How to Book a Call with Ralph 32:37 Reflection Questions 34:09 Action Steps 35:39 Final Thoughts Takeaways: Maintaining independence for aging parents can be challenging, but technology offers practical solutions. Seniors face significant risks of isolation and cognitive decline when living alone, especially over 75. Simple technology adjustments can greatly improve seniors' social connections and overall well-being. Digital tools such as medication reminders and online banking help seniors manage daily tasks effectively. Family involvement in technology training is crucial for seniors to adapt to new tools. Engaging in virtual community activities can enhance spiritual growth and maintain family bonds. Links referenced in this episode: Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group Ask Ralph Show Live https:// <a href="http://askralphpodcast.com/live" rel="noopener noreferrer
S7 E6 · Mon, January 06, 2025
What do I do if I suspect my Mom has dementia and she’s still handling her own finances?
Navigating the delicate balance of protecting a loved one's financial well-being while preserving their dignity is a heart-wrenching challenge, especially when signs of cognitive decline emerge. Ralph Estep Jr. shares a deeply personal story about how he helped a cherished client safeguard her life savings before it was too late, offering valuable insights for anyone in a similar situation. Through the lens of a listener's poignant question, he explores the emotional toll of witnessing a parent struggle with financial management and the fear of infringing on their independence, particularly when dealing with conditions like dementia. Ralph provides actionable steps to document warning signs, establish legal safeguards, and maintain open communication, all while emphasizing the importance of empathy and compassion— especially when mom has dementia. Tune in to discover how faith and practical strategies can empower you to support your aging loved ones without compromising their dignity. Rumble Video Blogpost Podcast Timestamps: 00:00 Episode Overview 02:22 Listener's Heartfelt Question 04:05 Gratitude Statement 05:06 Bible Verse - Exodus 20:12 05:55 Margaret's Story: Recognizing Cognitive Decline 11:16 Steps to Protect Your Loved Ones 16:58 Join the Live Community 20:27 Reflection Questions 21:30 Action Steps 26:20 Conclusion Takeaways: Recognizing early signs of financial confusion in loved ones is crucial for intervention. Documentation of unusual financial behaviors helps protect seniors from potential exploitation. Establishing a durable power of attorney is essential for managing finances effectively. Maintaining open communication with elderly parents ensures their dignity is respected during intervention. Creating an emergency response plan can safeguard your parents' financial well-being. Regular monitoring of financial accounts helps identify suspicious activities or changes. Links referenced in this episode: Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group Ask Ralph Show Live https:// askralphpodcast.com/live What is your question that you would like to ask Ralph? Send Your Question here: <a href="https://justaskralph.com/" re
S7 E5 · Sun, January 05, 2025
How can I break the cycle of classic humanism and embrace true Christianity?
Feeling a sense of emptiness despite outward success is a common struggle, and today's discussion dives deep into this very issue. Peter, a successful CEO, grapples with how to integrate Christian principles into his business without compromising its success. Ralph Estep Jr. shares his own transformative journey from a life driven by human achievement to one rooted in faith and stewardship. He emphasizes that true prosperity comes from aligning financial wisdom with divine guidance, challenging listeners to see their businesses as ministries rather than mere ventures. With actionable steps and heartfelt stories, this episode encourages a shift towards a purpose-driven approach to personal finance and business operations, inspiring listeners to embrace true Christianity in their daily lives. Rumble Video Blog Post Podcast Timestamps: 00:00 Episode Overview 02:04 Listener Question: Balancing Business and Faith 05:28 Bible Verse: Proverbs 3:5-6 06:21 Ralph's Personal Journey: From Success to Significance 15:05 Call to Action: Gospel Book 18:09 Practical Steps for Integrating Faith and Business 19:15 Conclusion and Upcoming Topic Takeaways: Breaking free from classic humanism by embracing true Christianity can transform your financial life. True prosperity is a journey in partnership with divine wisdom, not just human effort. Integrating Christian principles into business requires balancing profit with generosity and purpose. Daily prayer and scripture reading can set the foundation for successful business practices. Finding a mentor or joining a Christian business group fosters support for your spiritual journey. Your business should be viewed as a ministry, aligning success with God's purpose. Links referenced in this episode: https://www.askralphpodcast.com/gospel Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group Ask Ralph Show Live https:// askralphpodcast.com/live What is your question that you would like to ask Ralph? Send Your Question here: https://ju
S7 E4 · Sat, January 04, 2025
What are treasury inflation protected securities (TIPS) and why should someone hold them?
Are you concerned about inflation eroding your savings? This episode dives into treasury inflation-protected securities (TIPS), a powerful investment tool designed to help safeguard your money from the damaging effects of inflation. Ralph Estep, Jr. shares insights on how these government-backed bonds can protect your purchasing power while offering a steady income stream. He highlights the importance of saving wisely and provides a compelling story about a teacher named James, who learned the hard way about the pitfalls of traditional bonds during inflationary times. Join Ralph as he explores practical steps to incorporate TIPS into your investment strategy, helping you achieve financial success while staying true to your values. You can read the blog article here Watch the video in Rumble here Podcast Timestamps: 00:00 Episode Overview 01:40 Listener Question: How to Safeguard Retirement Savings 03:12 Biblical Perspective on Wealth Preservation 03:54 Real Life Story a Client 05:26 Understanding Treasury Inflation Protected Securities (TIPS) 06:18 Benefits and Challenges of TIPS 13:43 Community and Live Show Invitation 16:45 Action Items and Conclusion Takeaways: Treasury Inflation-Protected Securities (TIPS) act as a hedge against inflation by adjusting principal value with rising inflation, helping preserve purchasing power. It is essential to consult with a financial advisor before investing in TIPS to ensure they fit your unique financial situation and goals. Investing in TIPS provides a steady income stream through semi-annual interest payments, supplementing retirement savings effectively. While TIPS are secure investments backed by the U.S. government, they typically offer lower interest rates than traditional bonds due to their inflation protection features. Be aware that you may owe taxes on phantom income from TIPS, which requires careful planning for tax payments on inflation adjustments. Consider allocating a portion of your investment portfolio to TIPS as a strategy for enhancing financial security during inflationary periods. Links referenced in this episode: Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group Ask Ralph Show Live https:// <a href="http://askralphpodcast.com/live" rel="noopener noreferrer"
Trailer · Fri, January 03, 2025
Your Daily Guide to Financial Freedom: Welcome to Ask Ralph
Discover 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 build a legacy that truly matters. This is more than just financial advice; it's about aligning your resources with God's purpose and making a Kingdom impact. Crushing debt and relentless financial stress can leave anyone feeling trapped, but there is a path to freedom through understanding and applying biblical principles to our finances. Ralph Estep Jr., a financial evangelist who has experienced the depths of financial failure, shares his journey from despair to clarity in this inspiring trailer for the Ask Ralph Show. The show acts as a beacon of hope for those ensnared by financial worries, inviting listeners to take control of their money and align their resources with a higher purpose. Ralph's approach is rooted in the belief that true wealth transcends mere monetary value; it is about the richness of life experiences and the journey toward financial peace. Each episode promises to combine practical financial advice with biblical wisdom, allowing listeners to engage in meaningful discussions about their money, faith, and the impact they can have in their communities. Whether you're a business owner or an individual seeking wise financial choices, the Ask Ralph Show is here to guide you on your path to financial empowerment and legacy building. Takeaways: Financial freedom is attainable, even in a world dominated by debt and financial stress. Ralph Estep Jr. shares his journey from financial failure to clarity and hope. True wealth encompasses more than money; it's about purpose, faith, and life’s journey. This show integrates biblical principles with practical financial guidance for everyday challenges. Listeners can expect real talk about money, faith, and how to impact the Kingdom. Join Ralph daily for insights on building a legacy and making wise financial choices.
S7 E3 · Fri, January 03, 2025
If my social security number has already been compromised – how do I stay safe?
Have you ever received a notification that your Social Security number was found on the dark web? If so, you're not alone, and it's a terrifying experience that can leave you feeling vulnerable and helpless. Ralph Estep shares his own harrowing journey with identity theft, revealing the critical steps you must take immediately to protect yourself and your family. From reporting the theft to the Federal Trade Commission to filing a police report, Ralph outlines a comprehensive action plan designed to help you regain control. With practical advice and personal anecdotes, this episode provides essential insights into safeguarding your financial future while navigating the complexities of identity theft. Even if your Social Security number has already been compromised , Ralph's guidance will help you take proactive measures and restore your peace of mind. Tune in to learn how to turn panic into purposeful action. Read the Full Blog Post Here: https://www.askralphpodcast.com/already-been-compromised/ Podcast Timestamps: 00:00 Episode Overview 02:05 Listener's Urgent Question 03:27 Scriptural Guidance and Reassurance 04:17 Ralph's Identity Theft Story 07:17 Steps to Take After Identity Theft 13:41 Key Takeaway 15:40 Call to Action: How to Share the Show 17:49 Actions Steps You Can Take 21:58 Closing Takeaways: If your Social Security number is found on the dark web, stay calm and act immediately. Reporting identity theft to the Federal Trade Commission is crucial for recovery planning. Filing a police report can be an invaluable step when dealing with creditors later. Consider placing a credit freeze to prevent new accounts from being opened in your name. Regularly monitor your credit report to catch any suspicious activity early on. Having a proactive plan in place could save you from devastating financial losses. Links referenced in this episode: https://www.irs.gov/identity-theft-fraud-scams/get-an-identity-protection-pin https://www.identitytheft.gov/ https://www.askralphpodcast.com/freeze-my-credit-file/ Ask Ralph Insiders Community <a href="https://mailchi.mp/askralph.com/group" rel="noopener noreferrer"
S7 E2 · Thu, January 02, 2025
What are 12 sources of non-taxable income?
Are you tired of watching your hard-earned money vanish into taxes? Discover how you can retain more of your income legally by exploring 12 sources of non-taxable income that the IRS can't touch. Ralph Estep Jr. dives into the complexities of financial planning, emphasizing the importance of proactive decisions regarding your finances. From disability insurance payments to health savings accounts, this episode unpacks various strategies that can lead to financial stability and peace of mind. Join Ralph as he shares personal stories and actionable insights to help you take control of your financial future while aligning your resources with your values. Read the Full Blog Post Here https://www.askralphpodcast.com/sources-of-non-taxable / Podcast Timestamps: 00:00 Episode Overview 01:49 Listener Question: Non-Taxable Income 02:59 Biblical Perspective on Wealth 03:58 Michael's Story: The Power of Non-Taxable Income 10:53 12 Powerful Sources Of Non-Taxable Income 10:55 #1 Disability Insurance Payments 11:28 #2 Employer-Provided Insurance 12:17 #3 Health Savings Accounts (HSAs) 12:59 #4 Life Insurance Payouts 13:57 #5 Municipal Bond Interest 14:43 #6 Sale of Primary Residence 17:01 #7 Financial Gifts 17:33 #8 Inheritances 18:19 #9 Child Support 18:45 #10 Welfare Payments 18:56 #11 Qualified Scholarships 19:11 #12 Social Security Benefits 21:39 Call to Action: Join the Live Community 24:53 Action Steps 26:09 Conclusion Takeaways: Understanding non-taxable income sources is essential for achieving financial security and peace of mind. Disability insurance payments can be tax-free if premiums are paid with after-tax dollars. Employer-provided health and life insurance are not taxable income, benefiting employees financially. Health Savings Accounts (HSAs) offer triple tax advantages, making them a valuable financial tool. Life insurance payouts are generally tax-free, providing financial relief to beneficiaries during tough times. Capital gains from the sale of your primary residence can often be excluded from taxes. Links referenced in this episode: Ask Ralph Show Live https:// askralphpodcast.com/live What is your question that you would like to ask Ralph? Send Your Question here: <a href="https://justaskralph
S7 E1 · Wed, January 01, 2025
How can I start the New Year on the best financial path?
Feeling overwhelmed by financial struggles is a common experience, especially as the new year begins. Ralph Estep Jr. addresses this very concern by sharing powerful strategies to help listeners start their financial journey on the right foot. He emphasizes the importance of prayer and reflection, creating a practical budget, and building an emergency fund to ensure financial stability. Through a compelling story about a church member named Betty, who faced hidden financial troubles despite her public persona, Ralph highlights the necessity of transparency in relationships and seeking help. This episode offers not just guidance but also hope for those feeling lost in their financial chaos, encouraging listeners to take actionable steps toward financial freedom and start the New Year on the best financial path. Read the Full Blog Post Here https://www.askralphpodcast.com/best-financial-path / Podcast Timestamps: 00:00 Episode Overview 02:05 Listener Question: Harper's Financial Struggles 03:41 Biblical Guidance for Financial Hope 04:37 Betty's Story: Hidden Financial Struggles 14:32 Steps to Financial Recovery 20:02 Call to Action (How to Book a Call With Ralph) 23:11 Action Steps for Financial Success 24:55 Closing Takeaways: Start the new year by reflecting on your past financial choices and seeking God's guidance. Create a practical budget using the 10-45-25-20 framework to manage your finances. Building a safety net with an emergency fund can provide peace of mind during financial struggles. Consider working with a financial advisor who aligns with your Christian values for better guidance. Admit when you need help and seek support from your community and church. Transform your financial struggles into a ministry to help others facing similar challenges. Links referenced in this episode: Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group Ask Ralph Show Live https:// askralphpodcast.com/live What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/ Join our email list and get a free copy of “Mastering Your Finances” at <a href="https://askr
S6 E366 · Tue, December 31, 2024
What are the top 7 reasons why I should not open a CD?
Are you considering a certificate of deposit (CD) for your savings? Before you lock away your cash, it's crucial to understand that putting your money in a CD might not be the best choice for your financial future. Ralph Estep Jr. dives into the potential pitfalls of CDs, shedding light on limited liquidity, early withdrawal penalties, and the risks of lower returns. He shares a compelling story about a client named Martha who faced significant challenges after investing in a CD without fully understanding the implications. By the end of the episode, you'll not only gain valuable insights about alternative investment options that align with your financial goals while maintaining accessibility and growth but also have a clearer understanding of why I should not open a CD. https://www.askralphpodcast.com/should-not-open-a-CD/ Podcast Timestamps: 00:00 Episode Overview 00:51 Listener’s Question: Should I Open a CD? 01:59 Bible Verse: Matthew 25:14-30 – The Parable of the Talents 04:53 Real-Life Story: Martha’s CD Dilemma and the $6,875 Penalty 06:44 Key Reasons Why CDs Might Not Be the Best Option 06:59 #1 Limited Liquidity 07:44 #2 High Early Withdrawal Penalties 08:16 #3 Lower Returns 09:12 #4 Tax Implications 09:35 #5 Opportunity Cost 09:57 #6 Inflation Risk 10:40 #7 Reinvestment Risks 14:29 Call to Action 16:57 Actionable Steps to Evaluate a CD as an Investment 18:10 Closing Takeaways: Consider the limited liquidity of CDs, as your money may be locked away for extended periods. Be cautious of early withdrawal penalties that can significantly impact your savings if you need access. Explore alternative investment options that may offer better returns than traditional CDs. Understand the potential tax implications of CDs, as interest earned may affect your tax bracket. Evaluate opportunity costs, as locking funds in a CD can prevent you from pursuing better investment opportunities. Keep in mind inflation risk, as the real value of your investment may erode over time. Links referenced in this episode: Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group Ask Ralph Show Live https:// askralphpodcast.com/live What is your question that you would like to ask Ralph? Send Your Question here: https://justas
S6 E365 · Mon, December 30, 2024
What are the 7 best things for retirees to spend their savings on?
Are you concerned about how to wisely spend your retirement savings while honoring God? Ralph Estep Jr. addresses this common dilemma by exploring the seven best ways Christian retirees can manage their finances for meaningful impact. From giving back to God through church and ministries to investing in the next generation, Ralph emphasizes the importance of balancing personal enjoyment with responsible stewardship. He shares a compelling case study of a retired couple navigating these choices, illustrating how they allocated their resources to reflect their values. With practical tips, scriptural grounding, and a focus on the best things for retirees to spend their savings on, this episode provides valuable insights for anyone seeking peace and purpose in their financial journey during retirement. https://www.askralphpodcast.com/best-things-for-retirees/ Podcast Timestamps: 00:00 Episode Overview 01:06 Listener’s Question: How Can Retirees Balance Enjoyment and Stewardship? 01:59 Bible Verse: Proverbs 3:9 – Honoring the Lord with Wealth 02:29 Real-Life Story: Tom and Mary’s Balanced Retirement Spending 11:31 7 Best Ways Retirees Can Spend Their Savings 11:35 #1 Giving Back to God Through Tithes and Ministries 12:52 #2 Investing in the Next Generation 14:38 #3 Caring for Those in Need 15:53 #4 Investing in Personal Growth 17:14 #5 Prioritizing Health and Well-being 18:44 #6 Enjoying God's Blessings 20:04 #7 Planning for the Future 22:42 Call to Action 24:53 Key Takeaways and Actionable Steps 26:00 Closing Takeaways: Christian retirees should prioritize giving back to God through tithing and ministries. Investing in the next generation can create lasting family memories and impact. Supporting local charities and missionaries is a way to care for those in need. Personal growth is vital; retirees should invest in learning and new skills. Planning for future needs, like healthcare, is essential for retirement peace of mind. Enjoy God's blessings through meaningful travels and family experiences that matter. Links referenced in this episode: Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group Ask Ralph Show Live https:// askralphpodcast.com/live What is your question that you would like to ask Ralph? Send Your Question here: <a href="https://justaskralph.com/" rel="noopener nor
S6 E364 · Sun, December 29, 2024
How do I create an Estate plan with a Kingdom impact?
Creating an estate plan with a kingdom impact is a profound way to ensure your legacy continues to bless others long after you're gone. Ralph Estep Jr. dives deep into the importance of balancing financial stewardship for your family while also supporting God's kingdom through thoughtful estate planning. He shares heartfelt stories of individuals who have made significant impacts through their planned giving, such as supporting missionaries or funding education for underserved communities. Ralph emphasizes that effective estate planning is not just about distributing wealth but about crafting a lasting spiritual legacy that resonates through generations. Tune in to discover practical steps and inspiring examples that can transform your approach to estate planning into a joyful expression of faith and generosity— creating an Estate Plan with a Kingdom Impact. https://www.askralphpodcast.com/create-an-estate-plan/ Podcast Timestamps: 00:00 Episode Overview 01:20 Listener’s Question: Pedro’s Desire for a Kingdom-Focused Legacy 03:06 Bible Verse: Matthew 6:19-20 – Storing Treasures in Heaven 04:13 Real-Life Story: Transforming a Family Business for Kingdom Impact 07:50 Key Components of Kingdom Estate Planning 07:55 #1 Radical Stewardship in Action 09:38 #2 Legal Frameworks for Multiplying Impact 15:26 Powerful Opportunities For Kingdom Estate Planning 20:43 Call to Action 24:43 Action Steps for Kingdom Estate Planning 24:50 #1 Seek Godly Counsel 25:20 #2 Regular Review and Prayer 26:02 #3 Strategic Beneficiary Designations 26:34 Closing Takeaways: Creating an estate plan with a kingdom impact requires thoughtful consideration of both family and faith. Planning your legacy now can ensure that your resources continue to serve God’s purpose after you’re gone. It's essential to find a godly counsel who understands both legal and Christian principles in estate planning. Radical stewardship involves using your assets for ministry and supporting Christian initiatives for future generations. Regularly review your estate plan to ensure it aligns with your evolving spiritual journey and family needs. Teaching your children about financial stewardship can inspire them to become generous givers, continuing your legacy. Links referenced in this episode: Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group Ask Ralph Show Live https:// <a href="http://askralphpodcast.com/live" rel="noopener nor
S6 E363 · Sat, December 28, 2024
What are the top upgrades you can make to your home which make it harder to sell?
Home improvements can sometimes backfire, making your house harder to sell rather than increasing its value. Ralph shares a cautionary tale about his client Harold, who invested over $75,000 in upgrades, only to face an unexpected job transfer that forced him to sell. The episode delves into the types of renovations that could hurt your home’s appeal, such as luxurious appliances, garage conversions, and overly personalized design choices. Ralph emphasizes the importance of choosing upgrades that are neutral and timeless, appealing to a broad range of potential buyers. Tune in for actionable insights on how to avoid costly mistakes, make informed decisions about home renovations, and recognize the top upgrades you can make to your home which make it harder to sell . https://www.askralphpodcast.com/harder-to-sell/ Podcast Timestamps: 00:00 Episode Overview 01:14 Listener’s Question: Avoiding Costly Home Upgrades 02:16 Bible Verse: Proverbs 24:3-4 – Building with Wisdom 02:50 Real-Life Story: Harold’s Over-The-Top Upgrades 05:52 Key Upgrades to Avoid When Selling Your Home 05:56 #1 Wall-to-Wall Carpeting 06:44 #2 Textured Walls or Popcorn Ceilings 07:31 #3 Bold or Unusual Design Choices 08:08 #4 Formal Dining Rooms 09:00 #5 Over-Engineered Features 09:54 #6 Unfinished Projects 10:40 #7 Luxury Appliances 12:07#8 Garage Conversions 13:06 #9 Poor DIY Work 14:47 Harold’s Outcome and Lessons Learned 17:48 Call to Action 20:06 Action Steps for Smart Home Improvements 22:55 Closing Takeaways: Investing in home upgrades without proper research can lead to significant financial losses when selling. Personalized home features, like custom theaters and koi ponds, may deter potential buyers. Timeless and neutral improvements generally appeal to a wider range of homebuyers. Understanding the balance between wants and needs is crucial in home renovation decisions. Avoid over-engineered home features, as they can decrease the perceived value to buyers. Consulting with real estate professionals before major renovations helps avoid costly mistakes. Links referenced in this episode: Leave a Review https://www.askralphpodcast.com/review Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group Ask Ralph Show Live https:// <a href="http://askralphpodcast.com/live" rel="noopener noreferr
S6 E362 · Fri, December 27, 2024
Why I probably shouldn’t consider a reverse mortgage?
Are you considering a reverse mortgage as a way to tap into your home's equity? Ralph Estep Jr. dives deep into the potential pitfalls of these loans, highlighting how they may not be the financial blessing they appear to be. Through a cautionary tale about a client named Patty, Ralph illustrates the importance of understanding the hidden costs and risks associated with reverse mortgages. He emphasizes the need for thorough evaluation and consultation with a financial advisor before making such a significant decision. With a blend of personal anecdotes, practical advice, and a faith-based perspective, Ralph encourages listeners to seek wisdom in their financial journeys, explore alternative options, and carefully consider a reverse mortgage only when it aligns with their long-term goals. https://www.askralphpodcast.com/consider-a-reverse-mortgage/ Podcast Timestamps: 00:00 Episode Overview 01:01 Listener’s Question: Margaret’s Concerns About Reverse Mortgages 02:34 Bible Verse: Hebrews 13:5 – Trust in God’s Provision 03:04 Real-Life Story: Why Patty Reconsidered Her Reverse Mortgage Decision 11:54 Call to Action 14:52 Actionable Steps You Can Take 16:40 Closing Takeaways: Reverse mortgages may seem appealing, but they come with significant long-term financial risks. Consulting with a financial advisor can help you see beyond enticing celebrity endorsements. It's crucial to calculate all fees associated with a reverse mortgage before signing any agreements. Discussing your financial decisions with family can provide valuable insights and support. Exploring alternative options, such as a home equity line of credit, can be beneficial. Praying for wisdom and seeking godly counsel should be part of your financial decision-making process. Links referenced in this episode: Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group Ask Ralph Show Live https://askralphpodcast.com/live What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/ Join our email list and get a free copy of “Mastering Your Finances” at https://askralph.com/ LISTEN NOW <a href="https://www.youtube.com/channel/UC1ZyJLydWUPqYaF2mS1l1Yg" rel="no
S6 E361 · Thu, December 26, 2024
How do I prepare for handling my 2024 tax preparation?
Feeling overwhelmed about the upcoming tax season? You’re not alone, as many small business owners, like Noah from Oregon, share the same anxiety about preparing their taxes correctly. This podcast dives into practical strategies for tackling tax preparation with confidence and peace of mind. Ralph Estep Jr. shares a powerful story about a small business owner named Fred, who hadn’t filed his taxes in over a decade and felt burdened by guilt and financial anxiety. By organizing his documents and implementing a systematic tax management plan, Fred transformed his approach to taxes, ultimately finding peace both spiritually and financially. Join Ralph as he outlines actionable steps and insightful advice to help you not only prepare for tax season but also honor God with your financial resources, all while handling your 2024 tax preparation with clarity and confidence. https://www.askralphpodcast.com/2024-tax-preparation/ Podcast Timestamps: 00:00 Episode Overview 00:57 Listener’s Question: Preparing for 2024 Taxes 01:51 Bible Verse: Colossians 3:23 – Working with All Your Heart 02:23 Real-Life Story: Fred’s Tax Journey 09:55 Key Tax Preparation Steps 10:00 #1 Gather All Necessary Tax Documents 10:40 #2 Create a Dedicated System for Organization 11:01 #3 Review Your Income And Expenses Carefully 12:29 #4 Understand Potential Deductions and Credits that Apply to Your Situation 13:31 #5 Consider Tax-Efficient Strategies 15:46 Call to Action 17:34 Actionable Steps for a Stress-Free Tax Season 20:15 Closing Takeaways: Feeling overwhelmed by tax season is common, but effective planning can alleviate stress. Organizing financial documents by year and category simplifies tax preparation significantly. Understanding both practical and spiritual dimensions of financial management can enhance stewardship. Consider working with tax professionals who share your Christian values for better guidance. Start gathering tax documents now, including W2s, 1099s, and receipts for deductions. Establish a dedicated space for tax documents to maintain organization throughout the year. Links referenced in this episode: Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group Ask Ralph Show Live https:// askralphpodcast.com/live What is your question that you would like to ask Ralph? Send Your Question here: <a href="ht
S6 E360 · Wed, December 25, 2024
What is the true meaning of Christmas from a Christian perspective?
Are you feeling overwhelmed by the commercialization of Christmas? Ralph addresses this concern head-on, emphasizing that the true meaning of Christmas is about celebrating God's greatest gift—Jesus Christ—rather than the material aspects often overshadowed by holiday pressures. He shares personal experiences and practical strategies for maintaining the Christmas spirit while being financially responsible. By focusing on spiritual foundations, setting reasonable gift budgets, and embracing a purpose-driven approach to giving, families can create meaningful celebrations that prioritize faith over consumerism. Join Ralph as he guides listeners through actionable steps to keep the holiday season joyful and financially sound, all while celebrating Christmas from a Christian perspective. https://www.askralphpodcast.com/christmas-from-a-christian/ Podcast Timestamps: 00:00 Episode Overview 00:54 Listener’s Question: Maintaining the True Spirit of Christmas 02:08 Bible Verse: Matthew 6:31-33 – Seeking God’s Kingdom First 04:55 Kingdom-First Christmas Strategy 05:01 #1 Spiritual Foundation First 05:59 #2 Stewardship in Action 08:08 #3 Purpose-Driven Giving 10:10 #4 Building a Lasting Legacy 11:35 #5 Balancing Profitability and Purpose 14:50 Prayer 16:57 Call to Action 18:50 Practical Action Steps for a Financially Responsible Christmas 26:30 Closing Takeaways: The true meaning of Christmas goes beyond materialism; it centers on celebrating Jesus' birth. Implementing a three-gift rule can help maintain the focus on meaningful giving. Creating a gratitude practice can shift the mindset from materialism to appreciation. Establishing a Christmas savings fund enables thoughtful planning and reduces financial strain during the holidays. Purpose-driven giving fosters a spirit of generosity and teaches children the joy of helping others. Mindful spending habits help avoid impulsive purchases and align financial decisions with personal values. Links referenced in this episode: askralphpodcast.com/christmas Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group Ask Ralph Show Live https:// askralphpodcast.com/live What is your question that you would like to ask Ralph? Send Your Question here: <a href="
S6 E359 · Tue, December 24, 2024
How can I negotiate the best deal when buying a used car?
Are you feeling anxious about buying a used car? You're not alone, as many people dread stepping onto a car lot, fearing they might be taken advantage of. Today, Ralph Estep Jr. shares a transformative story about his client Hank, who saved over $5,000 on his dream car by applying patience and practical wisdom. By utilizing key strategies like setting a budget based on his monthly income, conducting thorough research, and securing pre-approval from his credit union, Hank was able to navigate the car-buying process with confidence. This episode not only provides actionable tips for negotiating the best deal but also emphasizes the importance of blending financial knowledge with spiritual wisdom when buying a used car. https://www.askralphpodcast.com/buying-a-used-car/ Podcast Timestamps: 00:00 Episode Overview 01:02 Listener’s Question: Fred’s Car-Buying Worries 02:01 Bible Verse: Proverbs 15:22 – Success Through Counsel 02:30 Real-Life Story: Hank’s Journey to Buying a Used Car 03:42 Practical Steps Hank Followed to Navigate His Car Buying Journey 09:03 What to Look For During a Test Drive 14:25 Common Issues with Used Cars 18:05 Call to Action 19:42 8 Action Steps To Take To Get The Best Deal When Buying A Used Car 23:06 Closing Takeaways: Research fair market value using multiple sources like Kelley Blue Book and Edmunds before buying. Getting pre-approved financing can help you avoid high-pressure tactics at the dealership. Create a detailed inspection checklist to evaluate the car thoroughly during your visit. Be willing to walk away from a deal if the terms are not favorable. Trust in God’s timing during the car buying process for better decision-making. Practice mindful spending by aligning your purchases with your personal values and budget. Links referenced in this episode: Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group Ask Ralph Show Live https:// askralphpodcast.com/live What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/ Join our email list and get a free copy of “Mastering Your Finances” at https://askralph.com/ Companies mentioned in this episode:
S6 E358 · Mon, December 23, 2024
What are 7 ways to make the most of my social security check?
Are you struggling to make your Social Security check last through the month? Ralph addresses this critical concern, sharing seven powerful strategies to help you maximize your income and maintain a better quality of life. Through a heartfelt listener question from James, who is battling financial hardship, Ralph highlights the importance of budget planning and expense auditing. He illustrates how small changes, like cutting unnecessary subscriptions and finding additional income streams, can lead to significant improvements over time. With a blend of practical advice and faith-based guidance, Ralph empowers listeners to take control of their finances and make the most of their Social Security check , ensuring they don’t have to face their challenges alone. https://www.askralphpodcast.com/social-security-check/ Podcast Timestamps: 00:00 Episode Overview 00:52 Listener’s Question: How Can I Make My Social Security Check Last? 02:38 Bible Verse: Proverbs 3:5-6 – Trust in the Lord and Plan Wisely 03:51 Real-Life Story: Martha’s Transformation on a Fixed Income 10:58 7 Powerful Ways To Maximize Your Social Security Check: 11:10 #1 Create a Strategic Budget Blueprint 12:25 #2 Practice Biblical Stewardship with Essential Expenses 14:10 #3 Implement the Wise Waiting Rule 15:37 #4 Conduct a Complete Financial Inventory 17:01 #5 Develop Multiple Income Streams 18:18 #6 Master Healthcare Cost Management 21:05 #7 Build Your Financial Safety Net 22:51 Call to Action: Book a Call with Ralph 25:00 Recap and Closing Takeaways: Understand that financial transformation is possible even with a fixed income like Social Security. Conduct a thorough financial inventory to identify all assets and liabilities accurately. Develop multiple income streams as a critical component in managing financial stress. Implement budgeting strategies by tracking every expense for better financial awareness. Practice biblical stewardship by prioritizing essential expenses over wants and luxury items. Build an emergency fund to ensure financial safety and stability during tough times. Links referenced in this episode: Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group Ask Ralph Show Live https:// askralphpodcast.com/live What is your question that you would like to ask Ralph? Send Your Question here: <a href="https://ju
S6 E357 · Sun, December 22, 2024
How do I navigate inflation while maintaining generosity?
Are you feeling the pinch of inflation and struggling to maintain your generosity? You're not alone, as many are facing the difficult choice of cutting back on giving while trying to make ends meet. This episode addresses the heartfelt letter from Carlene, who grapples with guilt over her reduced contributions to her church and local charities due to rising costs. Ralph shares insightful strategies to nurture a generous spirit even in tough financial times, emphasizing that true generosity goes beyond monetary gifts. By trusting in God's provision and exploring creative ways to give, listeners can discover that generosity can flourish, even when budgets feel tight. Tune in for practical advice and encouragement to help you balance your financial responsibilities with your desire to give, navigating inflation while maintaining generosity. https://www.askralphpodcast.com/inflation-while-maintaining-generosity/ Podcast Timestamps: 00:00 Episode Overview 01:01 Listener's Heartfelt Letter 03:13 Biblical Insights on Generosity 05:50 Real-Life Example: Sal's Story 11:19 Practical Steps for Generosity 15:03 Prayer 15:36 Closing Takeaways: Inflation can squeeze your budget, but there are still ways to maintain generosity. Trusting in God's provision is essential, even when financial struggles feel overwhelming. Practicing skills-based giving can be just as impactful as financial contributions. Creating a generosity fund helps cultivate a giving spirit without causing financial strain. Engaging in community sharing can multiply your efforts and enhance your impact. Remember that every small act of kindness or service is a valuable form of generosity. Links referenced in this episode: Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group Ask Ralph Show Live https:// askralphpodcast.com/live What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/ Join our email list and get a free copy of “Mastering Your Finances” at https://askralph.com/ LISTEN NOW <a href="https://www.youtube.com/channe
S6 E356 · Sat, December 21, 2024
How do I handle auto insurance if my kids are away at school?
Can a Christian parent cut corners on car insurance to make ends meet? This heart-wrenching dilemma faced by many families is explored as Ralph Estep Jr. dives into the complexities of financial decision-making from a faith-based perspective. The episode tackles questions about the morality of debt, the biblical view on life insurance, and practical advice for managing finances during challenging times. With real-world solutions and biblical wisdom, Ralph emphasizes the importance of maintaining proper insurance coverage while seeking ways to reduce costs. Join Ralph as he provides insights that blend spiritual principles with practical financial strategies, helping families handle auto insurance responsibly while navigating their financial challenges with both wisdom and faith. https://www.askralphpodcast.com/handle-auto-insurance/ Podcast Timestamps: 00:00 Episode Overview 02:01 Bible Verse: 1 Timothy 5:8 – Providing for Your Household 02:23 Listener’s Question: Navigating Financial Dilemmas as a Christian Parent 07:18 Exploring Biblical Perspectives on Debt and Financial Responsibility 11:13 Biblical Perspective on Life Insurance 18:47 Transitioning to Independence: The Age of Responsibility 23:04 Tax Return Concerns 25:21 Opening a New Credit Card for Lower Interest Rates 28:14 Call to Action 38:02 Closing Takeaways: Proper insurance coverage is crucial for families, even while trying to cut costs. The Bible does not prohibit debt but warns against the dangers of borrowing. Maintaining insurance while seeking discounts is a wise financial strategy for parents. Life insurance can provide family stability and aligns with biblical principles of stewardship. Debt should be approached with caution, considering both necessity and financial responsibility. Seeking help from a financial advisor can provide personalized strategies for financial freedom. Links referenced in this episode: irs.gov Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group Ask Ralph Show Live https:// askralphpodcast.com/live What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/ Join our email list and get a free copy
S6 E355 · Fri, December 20, 2024
Why should I designate a trust as a retirement account beneficiary?
Are you worried about what will happen to your retirement accounts if the unexpected occurs? Today, Ralph dives into the critical topic of naming a trust as a beneficiary for retirement accounts, a decision that can save your family from unnecessary taxes and complications. He shares his own journey, highlighting how a revocable living trust not only provides peace of mind but also ensures that assets are distributed in alignment with your values and intentions. With over 30 years of financial experience, Ralph outlines six key benefits of establishing a trust, including strategic distribution, tax efficiency, and privacy protection. Tune in to learn how thoughtful estate planning can empower you to support future generations while navigating life's uncertainties with confidence—and discover the answer to the question, Why should I designate a trust as a retirement account beneficiary? https://www.askralphpodcast.com/retirement-account-beneficiary/ Podcast Timestamps: 00:00 Episode Overview 00:59 Listener Question: Inheriting an IRA 02:16 Bible Verse: Proverbs 13:22 02:51 Personal Story: Facing Health Challenges 05:50 Benefits of a Revocable Living Trust 14:02 Key Considerations on Creating a Trust 15:27 Call to Action 17:07 Practical Steps for Setting Up a Trust 18:10 Final Thoughts Takeaways: Setting up a trust as a beneficiary can provide strategic control over distributions for loved ones. Trusts offer tax efficiency that can minimize tax implications when passing on assets. Creating a trust helps avoid the probate process, keeping financial matters private for families. Establishing a trust allows for regular reviews and updates based on changing family dynamics. Integrating charitable giving into your trust can align financial planning with personal values. A comprehensive inventory of assets is crucial when setting up a trust for effective management. Links referenced in this episode: https://www.askralphpodcast.com/estate-planning-chat-with-attorney-kevin-baird/ Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group Ask Ralph Show Live https:// askralphpodcast.com/live What is your question that you would like to ask Ralph? Send Your Question here: <a hre
S6 E354 · Thu, December 19, 2024
What are some new tax issues facing us in 2025?
Has the thought of 2025 tax changes kept you up at night? Ralph Estep Jr. addresses the looming expiration of the Tax Cuts and Jobs Act and its potential impact on your financial future. He shares the story of David, a small business owner grappling with uncertainty, highlighting the importance of preparation and resilience in the face of changing tax laws. With insights on estate planning, investment strategies, and the necessity of comprehensive deduction planning, Ralph equips listeners with actionable steps to navigate these changes while staying true to their Christian values. Tune in for practical advice, biblical wisdom, and a reminder that even amidst financial challenges and new tax issues , there is always hope and a path forward. https://www.askralphpodcast.com/new-tax-issues/ Podcast Timestamps: 00:00 Episode Overview 01:47 Listener Question: Concerns About 2025 Tax Changes 02:56 Biblical Perspective: Resilience and Faith 04:04 Three Crucial Lessons For Our Tax Planning 06:26 Understanding the 2025 Tax Changes 07:06 Real Life Story of a Client 08:06 Major Tax Changes in 2025: How They Will Impact You and Everyone Else 15:52 Practical Steps for Tax Planning 19:40 Call to Action 21:35 The Expected Impact of Tax Cuts and Jobs Act 23:04 Action Steps You Can Take 24:53 Closing Takeaways: The 2025 tax changes could significantly impact your financial planning, especially for small business owners. Preparation is key; understanding potential tax changes can help you maintain financial stability. Charitable giving strategies should be reviewed and timed carefully in light of upcoming tax adjustments. Maintaining detailed records and documentation can help you navigate potential tax law changes effectively. Trusting in God's plan during uncertain financial times is crucial for resilience and wise stewardship. Working with qualified tax professionals can provide guidance through the complexities of upcoming tax legislation. Links referenced in this episode: Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group Ask Ralph Show Live https:// askralphpodcast.com/live What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/ Join our email list and get a free copy of “
S6 E353 · Wed, December 18, 2024
Why do people obsess over a 800 credit score when this score is just as good?
Chasing that elusive 800 credit score could be the very thing blocking your financial blessings. Ralph shares the heartfelt story of Jennifer, who has put her life on hold due to her obsession with her 765 credit score, highlighting how this fixation can lead to unnecessary anxiety and missed opportunities. Drawing from his extensive experience as a credit executive, Ralph reveals that successful financial stewardship is about much more than just a number. He introduces the "three Cs" of credit—character, capacity, and collateral—emphasizing their importance over mere credit scores. Tune in as Ralph provides actionable steps to help listeners find true financial peace while aligning their financial decisions with their faith—and why an 800 credit score isn’t the only measure of financial success. https://www.askralphpodcast.com/800-credit-score/ Podcast Timestamps: 00:00 Episode Overview 01:48 Jennifer's Heartfelt Message 03:56 Biblical Perspective on Financial Anxiety 07:55 Understanding the Three C's of Credit 15:48 Call to Action 17:22 Action Steps for Financial Peace 22:26 Final Thoughts Takeaways: Obsessing over achieving an 800 credit score may be hindering your financial opportunities. Your credit score is just one aspect of your overall financial health and decisions. Focus on financial integrity and character rather than fixating on a perfect credit score. Establish a balance between monitoring your credit and celebrating your financial achievements. Building an emergency fund is crucial for long-term financial stability and peace of mind. Prayer and reflection should guide your financial decisions instead of mere numbers. Links referenced in this episode: Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group Ask Ralph Show Live https:// askralphpodcast.com/live What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/ Join our email list and get a free copy of “Mastering Your Finances” at https://askralph.com/ LISTEN NOW <a href="https://www.youtube.com/channel/UC1ZyJLydWUPqYaF2mS1l1Yg" rel="noop
S6 E352 · Tue, December 17, 2024
What are 7 warning signs that my computer has been hacked?
Catherine, a small business owner, faced a devastating cyberattack that locked her out of her entire life's work, demanding a ransom in Bitcoin. This harrowing experience serves as a crucial reminder of the increasing threats posed by cybercriminals, particularly to small businesses and faith-based organizations. Ralph Estep Jr. shares valuable insights on the seven warning signs that indicate your computer may have been hacked, helping listeners recognize potential threats before they escalate. He emphasizes the importance of vigilance and proactive measures to protect both personal and business digital assets. Join Ralph as he combines practical advice with spiritual discernment, ensuring you’re prepared to take action before your computer has been hacked and your information compromised in today’s digital landscape. https://www.askralphpodcast.com/computer-has-been-hacked/ Podcast Timestamps: 00:00 Episode Overview 01:08 Listener's Heartbreaking Story 02:49 Bible Verse: Proverbs 4:23 03:30 The Devastating Impact of Cyber Attacks 06:01 Catherine's Ransomware Ordeal 07:59 Seven Warning Signs of a Hacked Computer 08:04 #1 Unexplained Slow Performance 08:41 #2 Strange Pop-ups 09:06 #3 Programs Starting Automatically 09:44 #4 Unauthorized Password Changes 10:17 #5 Missing Files or Changes to Files 11:00 #6 Unusual Network Traffic 11:34 #7 Disabled Security Programs 12:28 Call to Action 14:19 Prevention Tips and Digital Stewardship 24:18 Final Thoughts Takeaways: Cyber attacks can devastate small businesses, with 60% closing within six months of an attack. Being vigilant about signs of hacking, like slow performance and strange pop-ups, is critical. Ransomware can lock your files and demand payment, stressing the importance of backups. Regular software updates are essential to protect against vulnerabilities and cyber threats. Creating strong passwords and changing them frequently is a key part of digital security. Employee training in cybersecurity can prevent breaches and empower staff to spot threats. Links referenced in this episode: Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group Ask Ralph Show Live https:// askralphpodcast.com/live What is your question that you would like to ask Ralph? Send Your Question here: <a href="https://justaskralph.com/" rel="noopener
S6 E351 · Mon, December 16, 2024
Why should I choose a credit union over a traditional bank?
Choosing a credit union over a traditional bank can significantly impact your financial journey, especially when it aligns with your Christian values. Ralph Estep Jr. shares his extensive experience as a credit union executive, highlighting the key differences between institutions that prioritize profits and those that genuinely care for their members. Through compelling stories, he illustrates how credit unions prioritize people over profits, providing personalized service and community support. Listeners are encouraged to seek financial relationships that reflect their values, making informed choices that foster both personal and communal growth. Tune in to learn how to navigate the world of banking with a focus on faith-driven financial decision-making—and discover why it’s time to choose a credit union. https://www.askralphpodcast.com/choose-a-credit-union/ Podcast Timestamps: 00:00 Episode Overview 00:52 Listener’s Question 02:41 Bible Verse: Proverbs 11:14 03:16 Credit Union Stories 09:15 The Credit Union Difference 15:48 Credit Union Statistics and Growth 17:28 What Makes Credit Unions Fundamentally Different 19:34 Call to Action 22:09 Action Steps: Making the Switch to a Credit Union 24:11 Final Thoughts Takeaways: Credit unions prioritize people over profits, offering personalized service and community support. Choosing a financial institution that aligns with your values can lead to greater satisfaction. Successful loans at credit unions often consider character and community impact over credit scores. Credit unions have been instrumental in helping local businesses and individuals achieve their dreams. A strong emphasis on financial education helps members make informed choices about their money. The member-owned structure of credit unions allows profits to benefit the community directly. Links referenced in this episode: Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group Ask Ralph Show Live https:// askralphpodcast.com/live What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/ Join our email list and get a free copy of “Mastering Your Finances” at https://askralph.com/ <
S6 E350 · Sun, December 15, 2024
How can we express our love for Christ in our daily lives?
Are you caught in the conflict between your financial ambitions and your spiritual values? Many Christians, like Mindy from New York, grapple with the tension of pursuing wealth while desiring to honor God in their lives. Ralph shares his powerful journey of reconciling faith and finances, emphasizing that success does not have to come at the cost of spiritual integrity. By integrating prayer and biblical principles into business decisions, you can transform your approach to money management. Join Ralph as he offers practical strategies and heartfelt insights to help you align your financial goals with your faith, ensuring that your success serves as a testimony of God's faithfulness and provides opportunities to express our love for Christ. https://www.askralphpodcast.com/express-our-love-for-Christ/ Podcast Timestamps: 00:00 Episode Overview 01:25 Listener's Question: Balancing Business and Faith 03:30 Join the Live Community 05:48 Bible Verse: Matthew 22:37-39 06:21 Personal Story: A Transformative Encounter 09:52 Faith-Based Business Strategies #1 Make Prayer Your Business Strategy 10:57 #2 Build Your Business on Biblical Principles 12:30 #3 Use Your Success as a Ministry 14:05 #4 Trust God's Timing 15:10 #5 Create a Legacy of Faith 16:20 Call to Action 17:57 Action Steps for Faith and Finances 20:00 Closing Takeaways: Balancing faith and financial decisions is a common struggle for many Christians. Success in business can serve as a testimony of God's faithfulness and love. Prayer should be integrated into daily business practices to seek divine guidance. Building a business on biblical principles ensures integrity and purpose in operations. Trusting in God's timing can bring peace during financial challenges and setbacks. Creating a legacy of faith through business decisions leads to lasting impact and service. Links referenced in this episode: Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group Ask Ralph Show Live https:// askralphpodcast.com/live What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/ Join our email list and get a free copy of “Mastering Your Finances” at <a href="https://askralph.com/" rel="noopener noreferrer" targ
S6 E349 · Sat, December 14, 2024
How can I find financial harmony with my partner?
Are money fights destroying your marriage? Ralph Estep Jr. tackles this pressing issue by sharing a powerful story of transformation for a couple struggling with financial conflicts. He delves into crucial year-end tax moves that could save you thousands, as well as practical advice for turning a side hustle into a thriving business. With insights on charitable giving strategies and smart deductions, Ralph provides a seven-step blueprint to end financial disputes in marriages once and for all. Join the conversation to discover how aligning financial goals with shared values can lead to harmony, financial success, and help you find financial harmony. https://www.askralphpodcast.com/find-financial-harmony/ Podcast Timestamps: 00:00 Episode Overview 01:55 Bible Verse 02:15 Financial Conflicts in Marriage 05:52 Mark and Lisa's Transformation 06:41 Seven Strategies for Financial Harmony 10:39 Income Tax Planning 16:09 Small Business Tax Tips 18:05 Retirement Contributions: SEP IRA and Solo 401k 20:24 Forming an LLC or S-Corp: Tax Implications 24:52 Financial Planning and Accountability 28:33 Live Q&A and Contest 34:46 Final Thoughts Takeaways: Money conflicts can be detrimental to relationships; try money date nights to improve communication. Shared financial goals with distinct responsibilities can help couples align their financial strategies. Establishing a three account system may ease financial tensions between partners. Pray together and study scripture to guide financial decisions in your marriage. Taking time to reflect on purchases can reduce impulse spending and financial conflict. Consider forming a business entity early to minimize self-employment tax liabilities. Links referenced in this episode: Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group Ask Ralph Show Live https:// askralphpodcast.com/live What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/ Join our email list and get a free copy of “Mastering Your Finances” at https://askralph.com/ Companies mentioned in this episode: Amazon Nerd Wallet
S6 E348 · Fri, December 13, 2024
What are 9 steps I can take right now in my business for a better tax situation next year?
Are you feeling overwhelmed by your tax obligations as a small business owner? You're not alone, and today we tackle that very issue. Ralph shares nine battle-tested steps that helped Mark save over $30,000 on his taxes while keeping his employees. From reviewing your business structure to maximizing deductible expenses, these strategies merge smart financial planning with faithful stewardship. As we navigate the complexities of taxes, remember that making informed financial decisions can empower you to take control of your business and alleviate that gut-wrenching feeling when tax bills arrive. Join us as we explore practical solutions that align your financial success with your Christian values—laying the foundation for a better tax situation next year. https://www.askralphpodcast.com/better-tax-situation-next-year/ Podcast Timestamps: 00:00 Episode Overview: Mark's Tax Struggle 01:16 Listener's Tax Dilemma 02:52 Join the Live Community 05:04 Bible Verse: Matthew 25:14-21 07:03 9 Crucial Steps I Can Take For a Better Tax Situation 07:11 #1 Review Your Business Structure 08:02 #2 Maximize Deductible Expenses 09:17 #3 Plan for Equipment Purchases 10:41 #4 Consider Retirement Contributions 11:57 #5 Review Your Inventory Management 13:35 #6 Assess Your Home Office Deduction 14:27 #7 Explore Tax Credits 15:25 #8 Defer Income (Strategically) 17:00 #9 Consult with a Tax Professional 18:40 Big Takeaway 19:08 Call to Action 20:45 Action Steps for Financial Success 22:06 Final Thoughts Takeaways: Review your business structure annually to optimize tax savings and financial efficiency. Maximize deductible expenses through systematic tracking and accounting software for better clarity. Plan your equipment purchases strategically to take advantage of tax deductions effectively. Consider retirement contributions throughout the year to secure your future and reduce taxable income. Explore available tax credits relevant to your business to enhance financial health. Consult with a tax professional regularly to navigate complex financial decisions and save money. Links referenced in this episode: Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group Ask Ralph Show Live https:// askralphpodcast.com/live What is your question that you would like to ask Ralph? Send You
S6 E347 · Thu, December 12, 2024
What are 11 tax related new years resolutions I should adopt?
Are you grappling with the financial strain of tax season, caught between your obligations to pay taxes and your commitment to generous giving? Ralph shares powerful insights by revealing 11 biblical tax resolutions that helped one small business owner turn a daunting $12,000 tax bill into a surprising $3,000 refund. These strategies aim to align your financial decisions with your faith, ensuring you can honor your responsibilities while maintaining peace of mind. From maximizing retirement contributions to optimizing tax-advantaged accounts, Ralph provides actionable steps that can save you thousands. Join the conversation and discover how to navigate the complexities of taxes with a faith-based approach that prioritizes both financial success and spiritual stewardship—perfect inspiration for setting meaningful tax-related New Year’s resolutions. https://www.askralphpodcast.com/tax-related-new-years-resolutions/ Podcast Timestamps: 00:00 Episode Overview 01:27 Heartfelt Message from Melinda 02:44 Join the Community 04:57 Bible Verse: 1 Timothy 5:8 06:40 11 Tax Resolutions to Save You Thousands 06:52 #1 Maximizing Retirement Contributions 08:35 #2 Optimizing Tax-Advantaged Accounts 10:04 #3 Strategic Tax Loss Harvesting 11:52 #4 Smarter Asset Location 13:12 #5 Long-Term Investment Strategy 15:06 #6 Enhanced Itemized Deductions 19:50 #7 Education Benefits Maximization 20:29 #8 Home-Related Tax Advantages 21:10 #9 Developing a Documentation System 22:16 #10 Professional Guidance 23:53 #11 Quarterly Review System 26:15 Call to Action 27:38 Action Steps You Can Take 28:55 Closing Takeaways: Maximizing your retirement contributions can significantly reduce your tax bill and secure your future. Consider utilizing health savings accounts to take advantage of their triple tax benefits. Strategic tax loss harvesting can offset gains and minimize your capital gains tax burden. Establish a documentation system for tracking deductions throughout the year to simplify tax season. Consulting a tax professional regularly can provide proactive strategies for effective tax planning. Implementing a quarterly review system can help you stay on top of your financial goals. Links referenced in this episode: https://www.askralphpodcast.com/putting-into-retirement/ https://www.askralphpodcast.com/health-savings-accounts/ </
S6 E346 · Wed, December 11, 2024
What are 5 common investment choices which kill your returns?
Are you feeling anxious every time you check your retirement account? You're not alone in this struggle, as many people worry about their financial future and the possibility of losing their hard-earned savings due to poor decisions. Today, Ralph shares five common investment mistakes that could derail your financial plans, drawing on real-life stories that highlight the emotional decision-making we all face. He emphasizes the importance of having a solid financial plan and aligning your investment choices with your Christian values. Join Ralph as he offers practical wisdom and biblical truths to help you navigate these challenges, ensuring you can protect your family's financial future while staying true to your faith—and avoid the 5 common investment choices which kill your returns . https://www.askralphpodcast.com/investment-choices-which-kill/ Podcast Timestamps: 00:00 Episode Overview 01:52 Listener’s Question 04:10 Join the Community 06:25 Bible Verse: Proverbs 15:22 06:46 Five Common Investment Mistakes 07:01 #1 The "Hot Stock" Syndrome 08:18 #2 The "All Eggs in One Basket" Approach 09:27 #3 The "Timing the Market" Trap 10:19 #4 The "Emotional Decision Making" Pitfall 11:21 #5 The "Going It Alone" Mistake 12:18 Finding the Right Financial Advisor 14:28 Call to Action 16:24 Action Steps for Financial Freedom 17:35 Closing Takeaways: Many Christians face challenges in balancing their faith with financial decisions and investment strategies. Emotional decision-making can lead to costly mistakes in investment, as seen in Chrissy's story. Diversifying investments is crucial; putting all money in one place can lead to significant losses. Working with a financial advisor can help align investments with Christian values and financial goals. Regularly reviewing and adjusting your investment portfolio is essential for long-term financial success. Avoid trying to time the market; consistent investing tends to yield better results over time. Links referenced in this episode: Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group Ask Ralph Show Live https:// askralphpodcast.com/live What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/ Join o
S6 E345 · Tue, December 10, 2024
How do I freeze my credit file and why should I consider doing it?
Freezing your credit file might be one of the smartest financial moves you can make to protect yourself from identity theft. Ralph Estep Jr. addresses the alarming rise of unauthorized credit applications and the emotional toll that comes with them, sharing a poignant story about a victim named Michael who discovered fraudulent accounts opened in his name. The episode emphasizes the importance of being proactive in safeguarding your financial identity, drawing on biblical principles to highlight the value of prudence and preparation. Listeners will learn practical steps to implement a credit freeze across all three major credit bureaus, providing a fortress against potential fraud. Ralph combines his financial expertise with a Christian perspective to guide listeners toward achieving peace of mind and the confidence to declare, "It’s time to freeze my credit file" as a critical step in protecting their future. https://www.askralphpodcast.com/freeze-my-credit-file/ Podcast Timestamps: 00:00 Episode Overview 01:04 Listener’s Question 03:13 Bible Verse: Proverbs 22:3 03:37 Rebecca's Story: A Case Study in Credit Freezes 08:10 Why Credit Protection Matters 06:06 The Power of Credit Freezes 12:53 Steps to Implement a Credit Freeze 16:25 Action Steps You Can Take 18:48 Closing Takeaways: A credit freeze can serve as a protective barrier against identity theft, ensuring your financial security. Identity theft can have devastating emotional and financial impacts, leading to significant distress and anxiety. Proactively freezing your credit can prevent unauthorized accounts from being opened in your name. Monitoring your credit regularly is crucial to catching potential fraud early and minimizing damage. Consider freezing your children's credit files to protect their financial identity from early exposure. Always store your credit freeze PIN securely to easily manage and lift the freeze when necessary. Links referenced in this episode: askralphpodcast.com/live askralphpodcast.com/review equifax.com experian.com transunion.com annualcreditreport.com Ask Ralph Insider
S6 E344 · Mon, December 09, 2024
What are 19 steps I can take to overcome my savings shortfall even in my early 50’s?
Are you feeling anxious about your financial future as you approach retirement in your 50s? Ralph addresses this concern head-on by sharing 19 powerful steps to help you regain control over your savings and ensure financial security. With heartfelt listener questions guiding the discussion, Ralph emphasizes the importance of taking actionable steps, such as starting with a detailed financial assessment and implementing strict expense tracking. He also highlights the value of diversifying investments, maximizing retirement contributions, and creating multiple income streams. By following these strategies, you can transform your financial situation, overcome your savings shortfall, and align your goals with your values, paving the way for a more secure and fulfilling retirement. https://www.askralphpodcast.com/my-savings-shortfall/ Podcast Timestamps: 00:00 Episode Overview 01:10 Listener Question: Margaret's Financial Dilemma 03:29 Bible Verse: Ecclesiastes 11:2 Financial Diversification 04:10 Tom and Sarah's Story: A Real-Life Example 06:40 19 Steps To Take To Overcome Savings Shortfall Even In Early 50’s 06:46 #1 Start with a Detailed Financial Assessment 08:03 #2 Implementing Strict Expense Tracking 10:06 #3 Creating a Realistic Budget 11:23 #4 Maximizing Retirement Contributions 12:06 #5 Strategic Social Security Planning 13:22 #6 Diversifying Investments 14:36 #7 Building an Emergency Fund 15:31 #8 Reviewing Insurance Coverage 16:34 #9 Addressing Existing Debt 17:45 #10 Master the Art of Smart Shopping 18:51 #11 Creating Multiple Income Streams 19:54 #12 Optimizing Housing Costs 20:48 #13 Reviewing and Reducing Monthly Subscriptions 21:45 #14 Implementing Tax Efficient Strategies 22:19 #15 Maximizing Employee Benefits 23:16 #16 Building Financial Knowledge 24:04 #17 Practicing Contentment 25:08 #18 Networking with Like-Minded Individuals 25:57 #19 Regular Financial Checkups 26:40 Call to Action 28:27 What Happened With Tom And Sarah? 30:09 Conclusion Takeaways: Consider starting your retirement savings now, even if you're in your 50s; it's never too late. Develop a detailed financial assessment to understand your current assets and liabilities clearly. Implement strict expense tracking to gain insight into your spending patterns and habits. Diversify your investments across different sectors to mitigate risks and enhance returns. Maximize your retirement account contributions to take full advantage of compound interest over time. Practice contentment by waiting 48 hours before making non-essential purchases to reduce impulsive spendin
S6 E343 · Sun, December 08, 2024
Do I love the world and my stuff too much? Are your affections set on this world and not on your heavenly home?
Are your affections set too much on this world rather than your heavenly home? Host Ralph Estep Jr. dives deep into this critical question that challenges us to reassess our spending habits and materialistic mindset. He shares the heartfelt message from a listener named Christine, who feels overwhelmed by her possessions and struggles to align her financial choices with her faith. Ralph offers practical steps to shift focus from accumulating worldly treasures to investing in eternal ones, emphasizing the importance of being good stewards rather than owners of our resources. With a blend of personal anecdotes and spiritual insights, this episode aims to inspire listeners to declutter their lives, prioritize what truly matters, and reflect on how their actions reveal whether they love the world more than their eternal home. https://www.askralphpodcast.com/love-the-world/ Podcast Timestamps: 00:00 Episode Overview 01:30 Listener's Struggle with Materialism 04:52 Bible Verse: Matthew 6:19-21 08:06 Practical Steps You Can Take to Be Good Stewards of God’s Treasures 08:20 #1 Conduct a Heart Audit 09:49 #2 Practice Intentional Gratitude 11:10 #3 Implement the 48-Hour Rule 12:46 #4 Create a Kingdom-First Budget 14:17 #5 Declutter with Purpose 16:20 Call to Action 19:14 Prayer 20:52 Action Steps 22:35 Closing Takeaways: Feeling overwhelmed by possessions can signify a deeper spiritual struggle in your life. Practicing intentional gratitude can shift your focus from wanting more to appreciating what you have. Implementing a 48-hour waiting rule for purchases can help curb impulsive spending habits. Creating a kingdom-first budget prioritizes giving and eternal investments over temporal pleasures. Decluttering with purpose involves removing items that don't align with your eternal values. True financial freedom comes from needing less and giving more, not from accumulating things. Links referenced in this episode: askralphpodcast.com/survey askralphpodcast.com/christmas Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group Ask Ralph Show Live https:// askralphpodcast.com/live What is your question that you wo
S6 E342 · Sat, December 07, 2024
What are 11 tips to go from living paycheck to paycheck into true wealth building?
Tonight's podcast dives into practical financial advice for those feeling financially overwhelmed, especially single parents and small business owners. Ralph addresses the pressing concerns of listeners like Sarah, a single mom struggling to make ends meet, and Marcus, who is tracking every penny but still feels stuck. The discussion includes actionable steps to achieve financial stability, such as setting small goals, reviewing expenses, and exploring community support. Additionally, Ralph explores the intersection of faith and finance, providing biblical insights on wealth creation for Christian business owners like Jennifer. With practical guidance, humor, and a focus on true wealth building , this episode aims to empower listeners to take control of their financial futures and foster a sense of community and support. https://www.askralphpodcast.com/true-wealth-building/ Podcast Timestamps: 00:00 Episode Overview 02:07 Bible Verse: Proverbs 21:20 02:56 Navigating Financial Pressures as a Single Parent 05:50 Interactive Q&A: BOI Report and Business Ownership 07:57 Marcus' Financial Struggles: Redesigning Your Financial Plumbing 11:48 Jennifer's Dilemma: Honoring God While Building Wealth 16:22 Delaware's Family Paid Leave Act Explained 18:58 401k vs. Real Estate: Making Smarter Investment Decisions 25:50 Understanding Self-Employment Taxes 33:47 Calculating Your Tax Bracket 37:53 Call to Action 47:01 Closing Takeaways: Financial hardship is not a moral failing; release the shame and seek stability. Building wealth involves restructuring your financial life, not just saving every penny. Focus on income growth by investing in yourself and developing new skills. For single parents, creating a support network can provide crucial financial resources. Explore additional income sources, such as side businesses, to boost your finances. The Delaware Family Paid Leave Act offers up to 12 weeks of paid leave. Links referenced in this episode: askralphpodcast.com/survey https://www.askralphpodcast.com/christmas Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group Ask Ralph Show Live https:// askralphpodcast.com/liv
S6 E341 · Fri, December 06, 2024
What changes are coming to social security in 2025?
Are you worried about the future of Social Security and how upcoming changes in 2025 might affect your retirement? You're not alone; many hardworking individuals share your concerns. Ralph addresses these fears head-on by outlining three major changes to Social Security, including adjustments to benefits, full retirement age, and wage caps. He emphasizes the importance of proactive financial planning and diversifying income sources to secure your retirement, rather than relying solely on Social Security. Join Ralph as he offers practical strategies and insights to help you build a financially stable future while understanding the potential impact of Social Security in 2025. https://www.askralphpodcast.com/social-security-in-2025/ Podcast Timestamps: 00:00 Episode Overview 00:58 Listener’s Question: How Will Social Security Changes Affect My Retirement? 04:06 Bible Verse: Proverbs 13:22 – Leaving an Inheritance for Generations 05:20 Key Social Security Updates for 2025 05:27 #1 Cost of Living Adjustment (COLA): What to Expect 06:34 #2 Full Retirement Age (FRA): New Rules and Implications 07:35 #3 Wage Cap Increases: What It Means for Workers and Employers 09:43 Real-Life Story: James’ Financial Transformation Through Planning 12:22 How To Boost Your Income Beyond Social Security 12:49 #1 Investment Diversification 13:58 #2 Multiple Income Streams 14:59 #3 Retirement Account Optimization 18:13 Cash Flow Management 19:30 Asset Evaluation 21:47 Call to Action 23:33 Actionable Steps to Prepare for Social Security Changes 25:00 Closing Takeaways: Social Security changes in 2025 include a 2.5% cost of living adjustment, affecting monthly payments. Understanding the full retirement age is crucial for maximizing Social Security benefits over time. Diversifying your investment portfolio is essential for financial stability in retirement planning. Creating multiple income streams can significantly improve your financial security as you age. Evaluate your retirement accounts regularly to ensure you are optimizing your savings potential. Consider consulting a financial advisor to tailor your retirement strategy to your specific needs. Links referenced in this episode: askralphpodcast.com/survey https://www.askralphpodcast.com/christmas Ask Ralph Insiders Community https://
S6 E340 · Thu, December 05, 2024
What are 9 retirement expenses which I may not have considered?
Are you prepared for the unexpected costs that can arise during retirement? Many retirees find themselves blindsided by expenses they never planned for, which can significantly derail their financial plans. This episode dives into nine surprising retirement expenses that often catch people off guard, such as supporting adult children, unexpected dental work, and home modifications. Ralph shares real-life stories from clients who faced these challenges and offers practical tips to help listeners better prepare for their own financial futures. Join Ralph as he combines insightful financial advice with a Christian perspective, ensuring you are equipped to navigate the complexities of retirement planning with confidence and peace of mind while addressing the 9 retirement expenses which you may not have considered. https://www.askralphpodcast.com/9-retirement-expenses/ Podcast Timestamps: 00:00 Episode Overview 01:01 Listener’s Question: What Costs Should I Plan for in Retirement? 03:44 Bible Verse: Isaiah 41:10 – The Value of Wise Preparation 05:07 Nine Surprising Retirement Expenses 05:21 #Adult Children Support 07:23 #2 Dental Work 09:23 #3 Home Modifications 11:48 #4 Technology Updates 13:59 #5 Pet Care 15:33 #6 Family Celebrations 17:18 #7 Long-term Care Insurance 18:38 #8 Property Taxes 21:04 #9 Inflation Impact 23:36 Call to Action 26:05 Comprehensive Planning Strategies 29:40 Closing Takeaways: Unexpected retirement expenses can derail your plans, so prepare for the unknown. Consider setting aside a dedicated emergency fund for family-related financial support needs. Dental work isn't covered by Medicare, so plan for dental expenses in retirement. Home modifications may be necessary as you age, so plan for those costs now. Budget for technology updates every few years to stay connected with loved ones. Inflation can significantly impact your retirement budget, so account for yearly increases. Links referenced in this episode: askralphpodcast.com/survey askralphpodcast.com/christmas Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group Ask Ralph Show Live https:// askralphpodcast.com/live
S6 E339 · Wed, December 04, 2024
What are the 9 most common estate planning mistakes?
Wondering what would happen to your loved ones if you suddenly weren’t there tomorrow? This podcast dives into the crucial topic of estate planning, highlighting the devastating mistakes that can lead to family turmoil and financial loss. Ralph shares poignant real-life stories to illustrate the importance of having a will, updating beneficiary designations, and considering trusts. With practical tips and heartfelt advice, he emphasizes the need for open communication with family about estate plans to prevent conflict and preserve relationships. Tune in to learn how to protect your family’s future, avoid the most common estate planning mistakes , and ensure that your hard work doesn’t end in chaos. https://www.askralphpodcast.com/estate-planning-mistakes/ Podcast Timestamps: 00:00 Episode Overview 01:59 Listener’s Question: The Consequences of Skipping a Will 04:02 Bible Verse: Proverbs 13:22 – A Legacy for Generations 04:22 Nine Most Devastating Estate Planning Mistakes 04:42 #1 Not Having a Will 06:57 #2 Failing to Update Beneficiary Designations 08:52 #3 Overlooking the Importance of a Trust 10:01 #4 Forgetting About Digital Assets 11:20 #5 Not Planning for Incapacity 12:42 #6 Ignoring Charitable Giving Opportunities 14:09 #7 Skipping Regular Reviews of Your Plan 15:46 #8 DIY Estate Planning Risks 17:37 #9 Failing to Communicate With Your Family 20:52 Call to Action 22:54 Action Steps You Can Take 25:17 Closing Takeaways: Estate planning is crucial to prevent familial discord and financial chaos after death. Not having a will can lead to costly legal battles, as seen in many real cases. Regularly updating beneficiary designations is essential to ensure your assets go to the right people. Creating a digital asset inventory can safeguard against losing access to cryptocurrencies and online accounts. Incapacity planning is equally important; establish powers of attorney while you are healthy. Open communication about estate plans with family can prevent misunderstandings and conflicts after passing. Links referenced in this episode: askralphpodcast.com/survey askralphpodcast.com/christmas Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group Ask Ralph Show Live https:/
S6 E338 · Tue, December 03, 2024
What are the best apps to use to help my kids with their finances?
Are your kids constantly asking for the latest gadgets and expensive sneakers? Today, Ralph Estep Jr. shares innovative ways to turn those spending demands into valuable financial lessons. By leveraging technology and specific apps, you can teach your children the true value of money and help them build financial responsibility. Ralph highlights the importance of setting clear financial goals and having regular conversations about budgeting and spending to guide their understanding. He recommends practical apps like Greenlight, GoHenry, and Current, which are designed to foster financial literacy. Ralph’s ultimate goal is to help parents raise financially confident children who grasp both the practical and spiritual aspects of stewardship, and he also shares insights into the best apps to use to help kids with their finances. https://www.askralphpodcast.com/help-my-kids/ Podcast Timestamps: 00:00 Episode Overview 01:09 Listener’s Question: Struggling to Teach Kids About Money 03:25 Bible Verse: Proverbs 22:6 – Train Up a Child in the Way He Should Go 03:51 Real-Life Story: How Monica Turned Financial Struggles into Teachable Moments 05:41 Best Apps for Kids’ Banking & Budgeting Needs 05:50 #1 Greenlight – Debit Cards for Kids with Parental Controls 07:12 #2 GoHenry – Gamified Financial Education 08:48 #3 Current – Tools for Teens Transitioning to Adult Banking 10:50 A Proven System You Can Implement 10:54 #1 Set Clear Financial Goals Using Apps 11:39 #2 Schedule Weekly Money Meetings with Your Kids 12:34 #3 Implement the 24-Hour Rule for Non-Essential Purchases 13:41 #4 Create Budget Categories Together 14:59 #5 Practice Value-Based Spending Discussions 19:21 Call to Action 21:38 Actionable Steps You Can Take 24:11 Closing Takeaways: Teaching kids about money can turn their spending desires into valuable lessons. Using technology and apps can effectively teach children financial responsibility and money management. Setting clear financial goals is essential for helping children understand budgeting and saving. Regular discussions about spending habits can foster better financial decision-making skills in children. Implementing a 24-hour waiting period for non-essential purchases can reduce impulse buying. Encouraging kids to comparison shop empowers them to make informed financial choices. Links referenced in this episode: askralphpodcast.com/survey greenlight.com <a href="https
S6 E337 · Mon, December 02, 2024
How much cash should I keep on hand once I retire?
Are you worried about having enough cash on hand during retirement? Ralph Estep Jr. tackles this crucial concern by sharing a powerful story about a client, Tom, who faced unexpected financial challenges shortly after retiring. Despite having a substantial investment portfolio, Tom found himself unprepared when he needed $45,000 for urgent expenses. This episode emphasizes the importance of maintaining a robust cash position to handle life's surprises without having to sell investments at a loss. Ralph provides actionable insights on how much cash retirees should ideally keep available, helping listeners feel more secure and prepared for the uncertainties that retirement can bring. Tune in for valuable lessons on financial planning that prioritize peace of mind over merely maximizing returns, as Ralph answers the pressing question: " How much cash should I keep on hand once I retire? " https://www.askralphpodcast.com/how-much-cash/ Podcast Timestamps: 00:00 Episode Overview 01:15 Listener’s Question: How Much Cash Should I Keep on Hand in Retirement? 03:19 Bible Verse: Ecclesiastes 11:2 – A Wise Man Saves for the Future 03:44 Real-Life Story: Tom’s Financial Struggles Without Adequate Cash Reserves 14:55 How Much Cash Should I Keep On Hand Once I Retire 15:05 #1 Emergency Fund 15:33 #2 Near-term Expenses 16:11 #3 Investment Cash 16:45 Call to Action 19:09 Actionable Steps You Can Take 20:49 Spread Your Cash Reserves Wisely 21:48 Closing Takeaways: Retirement planning is not only about maximizing returns, but also having sufficient cash reserves. Unexpected expenses can arise during retirement, making it crucial to have accessible cash. Maintaining 12 to 24 months of living expenses in cash can improve retirement satisfaction. Successful retirees often keep 20% of their portfolio in cash during the early years. It's advisable to plan for future expenses, ensuring cash is available when needed. Review and adjust your cash reserves regularly to meet changing life circumstances. Links referenced in this episode: askralphpodcast.com/survey https://www.askralphpodcast.com/christmas Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group Ask Ralph Show Live https:// <a href="http://askralphpodcast.com/live
S6 E340 · Mon, December 02, 2024
The True Vine: Finding Strength in Christ's Love
God desires for us to be steadfast in our faith by remaining in Christ and obeying His commandments. Pastor Josh emphasizes the importance of abiding in Jesus, the true vine, as the source of our strength and spiritual vitality. Through a deep relationship with Christ, we can bear much fruit and experience the joy that comes from living in obedience to His Word. He highlights that true love for God manifests itself in our actions and obedience, encouraging listeners to examine their lives and remove distractions that hinder their walk with Christ. As we navigate the challenges of life, especially in a world that may oppose our beliefs, staying rooted in God's love and truth is essential for spiritual growth and resilience. Pastor Josh opens the podcast with a warm welcome to the Middletown Baptist Church community, expressing gratitude for listeners and sharing his hope that the message of the day will inspire and strengthen their faith. He emphasizes the importance of exploring the Bible together, setting the stage for a deep dive into John chapter 15. This chapter is pivotal, occurring just before the crucifixion, where Jesus conveys profound truths about his identity as the true vine and the relationship believers have with Him. The discussion centers on how to remain steadfast in faith, highlighting two essential steps: first, to remain in Christ, and second, to obey Christ. Pastor Josh elaborates on the symbolism of the vine and branches, illustrating how believers must stay connected to Jesus to bear fruit in their lives. He encourages listeners to reflect on their personal relationship with Christ, especially during the holiday season, a time that can bring both joy and challenge. The message is clear: true strength and steadfastness come from a deep and abiding relationship with Jesus, who offers life and sustenance to all who remain in Him. Takeaways: The importance of remaining steadfast in Christ is crucial for spiritual growth. Abiding in Christ means maintaining a close relationship through prayer and obedience. Being steadfast requires actively engaging with God's Word for guidance and strength. We must obey Christ's commandments as an expression of our love for Him. The world will often reject our faith, but we are called to persevere. True joy and fulfillment come from abiding in Christ and His love. TAKE OUR LISTENER SURVEY - YOU COULD WIN $250 LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION)</
S6 E336 · Sun, December 01, 2024
Did you know Jesus died for the bad people too?
Jesus offers redemption even for our financial mistakes, a powerful theme explored in this episode of the Ask Ralph podcast. Ralph Estep Jr. addresses a heartfelt question from a listener, Michael, who is grappling with the weight of his financial past, including gambling debts and the impact on his family. Through a compelling story about a client named James, who faced similar struggles and found a path to redemption, Ralph illustrates that acknowledging past mistakes and taking responsibility can lead to transformative change. The episode also outlines practical steps for financial recovery, emphasizing the importance of confession, restitution, and building new habits. With a blend of personal testimony and biblical principles, Ralph encourages listeners to embrace second chances and cultivate a hopeful outlook on their financial journeys. After all, did you know Jesus died for the bad people too ? His grace is for everyone, no matter their past or the mistakes they’ve made. https://www.askralphpodcast.com/bad-people-too/ Podcast Timestamps: 00:00 Episode Overview 01:04 Listener’s Question: Finding Forgiveness After Financial Failure 04:30 Bible Verse: Luke 19:9-10 – Zacchaeus and Financial Redemption 05:21 Real-Life Story: James’ Journey from Debt to Faith 09:25 Three Transformative Steps That Revolutionized James’ Life 15:32 Call to Action 17:12 Practical Steps For Financial Redemption 20:20 Prayer 21:06 Closing Takeaways: Financial past mistakes do not define your future; redemption is possible through faith. Confession and transparency are crucial first steps in seeking redemption for financial issues. Develop a restitution plan that may involve long-term commitments to repay debts responsibly. Building new financial habits is essential for lasting change and improving financial health. Engage in accountability through support groups or mentorship to maintain progress and growth. God's love and forgiveness extends even to those who feel unworthy of redemption. Links referenced in this episode: askralphpodcast.com/survey askralphpodcast.com/christmas Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group Ask Ralph Show Live https:// <a href="http://askralphpodcast.com/live" rel="noopener noreferrer" target="_bla
S6 E335 · Sat, November 30, 2024
What is title insurance and why do I need it?
Title insurance is a crucial safeguard for homeowners, protecting against unexpected claims and potential financial disasters. In this episode, Ralph addresses a heartfelt question from a listener, Michael, who is grappling with the decision of whether to purchase title insurance amidst mounting closing costs for his dream home. Ralph explains the differences between lender's title insurance, which only protects the lender, and owner's title insurance, which provides essential coverage for the homeowner's equity. Through a compelling real-life story about a youth pastor named David, Ralph illustrates the dire consequences of skipping this important coverage, highlighting how a seemingly small expense can prevent significant legal and financial troubles. Tune in for valuable insights on navigating the complexities of home buying with confidence and wisdom, as Ralph answers the pressing question: " What is title insurance and why do I need it? " https://www.askralphpodcast.com/title-insurance-and-why/ Podcast Timestamps: 00:00 Episode Overview 01:37 Listener’s Question: Michael’s Title Insurance Dilemma 03:35 Bible Verse: Proverbs 27:12 – Prudence and Preparation 03:56 Two Types Of Title Insurance 05:11 Real-Life Story: A Family’s Struggle Without Owner’s Title Insurance 08:53 Key Protections Offered by Title Insurance 07:25 #1 Coverage Against Unknown Heirs 09:28 #2 Safeguard from Document Issues 09:52 #3 Protection from Financial Claims 10:57 #4 Defending Legal Rights 12:23 Costs and Benefits of Title Insurance 16:28 When Will You Encounter Title Insurance? 18:41 Call to Action 20:42 Action Steps You Can Take 29:27 Live Listener’s Question: Umbrella Insurance Policy 34:20 Closing Takeaways: Title insurance is crucial for protecting homeowners from unexpected legal claims on their property. Lender's title insurance only protects the lender's interest, while owner's title insurance protects the homeowner's equity. Choosing to forgo title insurance can lead to significant financial losses in the long run. The average cost of title insurance is a small percentage of your home's price, often providing lifelong coverage. Unexpected issues arise in 25% of title searches, highlighting the importance of owner's title insurance. Short-term financial decisions can expose homeowners to long-term risks, especially in real estate transactions. Links referenced in this episode: askralphpodcast.com/survey <a href="https://askralphpodcast.com/christmas" rel="noopener noreferrer
S6 E334 · Fri, November 29, 2024
Should I consider overpaying my mortgage?
Are you feeling overwhelmed by your mortgage payments and wondering if making extra payments could be the solution? Ralph Estep Jr. tackles this crucial question by exploring the potential benefits and pitfalls of overpaying your mortgage. With real-life stories from clients, he illustrates when it might be wise to throw extra cash at your mortgage and when it’s better to focus on other financial priorities, like high-interest debt and building a solid emergency fund. Ralph emphasizes the importance of comprehensive financial planning, encouraging listeners to assess their overall financial situation before making decisions. Tune in for practical advice that combines financial wisdom with thoughtful stewardship, and find clarity on the question: Should I consider overpaying my mortgage? https://www.askralphpodcast.com/overpaying-my-mortgage/ Podcast Timestamps: 00:00 Episode Overview 00:58 Listener’s Question: Should I Focus on Paying Off My Mortgage Faster? 03:26 Bible Verse: Proverbs 22:7 – The Borrower Is Servant to the Lender 04:13 Different Approaches To Mortgage Overpayment Story 1: The Cautionary Tale 05:55 Story 2: The Strategic Success 07:18 Story 3: The Balanced Approach 08:31 When Does Overpaying Your Mortgage Make Sense? 11:05 When Does Making Overpayments Not Wise? 14:36 What Different Extra Payment Amounts Could Mean For You 17:01 Financial Freedom Checklist 20:19 Call to Action 21:52 Action Steps You Can Take 23:01 Tomorrow’s Preview 23:22 Closing Takeaways: Understanding the financial implications of making extra mortgage payments can save you thousands. Before overpaying your mortgage, ensure you have no high-interest debt to prioritize. Creating a solid emergency fund is crucial before considering extra mortgage payments. Investing in retirement savings can often provide better returns than overpaying a mortgage. Evaluate your overall financial picture to determine if overpaying aligns with your goals. Small extra payments towards your mortgage can significantly reduce the loan duration and interest costs. Links referenced in this episode: askralphpodcast.com/survey askralphpodcast.com/christmas https://www.bankrate.com/mortgages/additional-mortgage-payment-calculator/ Ask Ralph Insiders Community <a href="https://m
S6 E333 · Thu, November 28, 2024
Should I file a tax return even though I’m not required to file?
Choosing not to file a tax return, even when you're not required to, can cost you thousands of dollars in missed opportunities, including valuable tax credits and financial documentation. Ralph dives into the common concerns surrounding tax filing, particularly for those who believe their income falls below the filing threshold. He shares a real-life example of a client who lost out on significant refunds due to not filing, and he emphasizes the importance of understanding the long-term implications of non-filing, such as potential IRS penalties and difficulties in securing loans or benefits. The episode also explores the reasons behind non-filing, including financial hardship and procrastination, while encouraging listeners to take proactive steps in managing their tax obligations. Even if you’re not required to file, Ralph highlights how doing so can safeguard your financial health and open doors to opportunities you might otherwise miss. https://www.askralphpodcast.com/not-required-to-file/ Podcast Timestamps 00:00 Episode Overview 01:04 Listener’s Question: Jessica’s Tax Filing Concerns 02:40 Bible Verse: Romans 13:7 – Financial Integrity 03:52 Main Reasons For Non-Filing 07:31 Why Does Filing Really Matter? 13:07 Potential Impacts of Not Filing 19:40 Key Takeaway 21:30 Prayer 23:00 Call to Action 24:28 Action Steps You Can Take 25:59 Closing Takeaways: Choosing not to file taxes, even if not required, could cost you significant refunds. Filing taxes annually helps build your financial history and aids in loan applications. Missing tax filings can lead to severe penalties and long-term financial consequences. Filing taxes provides access to valuable credits that can significantly benefit low-income earners. Maintaining organized tax records protects against identity theft and IRS inquiries. The IRS has no statute of limitations on unfiled tax returns, so be proactive. Links referenced in this episode: www.askralphpodcast.com/christmas Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group Ask Ralph Show Live https:// askralphpodcast.com/live What is your question that you would like to ask Ralph? Send Your Question here: https:/
S6 E332 · Wed, November 27, 2024
Is social inflation to blame for our high insurance rates?
Are you grappling with shocking increases in your insurance premiums? You're not alone, as many are facing similar challenges due to rising rates driven by social inflation. Ralph dives deep into this pressing issue, exploring how factors like larger jury awards and broader liability definitions are impacting your wallet. He shares real-life stories, including a client whose auto insurance jumped by 40%, and provides actionable strategies to help you navigate these turbulent financial waters. From policy bundling to diligent planning, Ralph emphasizes the importance of being a good steward of your resources while securing the coverage you need. Tune in for practical tips that can save you money and help you manage high insurance rates without sacrificing essential protection. https://www.askralphpodcast.com/high-insurance-rates/ Podcast Timestamps 00:00 Episode Overview 01:07 Listener’s Question: Abby’s Insurance Renewal Shock 03:04 Real-Life Story: A Hardware Store Owner’s 65% Insurance Hike 04:08 What Is Social Inflation and How Does It Affect Insurance Rates? 07:30 What’s Driving These Increases? 07:36 #1 Higher Vehicle Repair Costs 08:00 #2 Increased Natural Disaster Claims 08:22 #3 Rising Medical Expenses 08:36 #4 More Expensive Litigation 08:59 Practical Steps To Be Strategic With Our Insurance Coverage 14:02 Call to Action 15:30 Proven Strategies That Honor Both Your Financial Stewardship And Protection Needs 18:19 Closing Takeaways: Social inflation significantly impacts insurance rates, with some increases as high as 65%. Understanding your insurance policy can help identify redundant coverage and potential savings. Bundling insurance policies can lead to discounts of 15% to 25% or more. Regularly reviewing and adjusting your insurance coverage is crucial as life circumstances change. Implementing loss prevention measures can lead to significant discounts on insurance premiums. It's essential to be proactive in managing insurance costs while ensuring adequate coverage. Links referenced in this episode: https://www.askralphpodcast.com/christmas Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group Ask Ralph Show Live https:// askralphpodcast.com/live What is your question that
S6 E331 · Tue, November 26, 2024
What are the best apps to use to build a financial fitness routine?
Are you feeling overwhelmed by your finances? You're not alone, as many people struggle with budgeting and tracking their spending, leading to tension in relationships. Today, Ralph explores how technology can transform your financial life by introducing effective financial apps that can bring clarity and peace of mind. He shares a compelling story about a client named Sarah, who turned her financial chaos into clarity using these tools. By focusing on aligning money decisions with values, Ralph provides actionable insights to help listeners regain control of their finances and strengthen their financial foundation, ultimately building a solid financial fitness routine. https://www.askralphpodcast.com/financial-fitness-routine/ Podcast Timestamps: 00:00 Episode Overview 01:08 Listener’s Question: Choosing the Right Financial App 03:24 Bible Verse: Proverbs 27:23-24 04:19 Key Statistics About How Finances Impact Relationship 06:56 Key Apps for Budgeting and Debt Management 19:01 Call to Action 20:57 Action Steps You Can Take 22:48 Tomorrow's Show Preview 23:15 Closing Takeaways: Managing finances can be overwhelming, but leveraging technology can simplify the process. Using financial apps can help couples align their money decisions with their values. Tracking every dollar spent provides clarity and peace of mind in financial management. Regular money check-ins with your partner can reduce financial arguments and build teamwork. Building an emergency fund is crucial for financial stability and reducing reliance on credit cards. By using budgeting apps, you can gain insights into spending habits and identify areas for savings. Links referenced in this episode: www.simplify.com www.ynab.com www.everydollar.com www.debtpayoffplanner.com www.qapital.com askralphpodcast.com/survey askralphpodcast.com/christmas Ask Ralph Insiders Community https://mailchi.mp/askralph.com/
S6 E330 · Mon, November 25, 2024
What percentage of my salary should I be putting into retirement?
Are you anxious about whether you're saving enough for retirement? You're not alone, as many Christians share this concern, especially when faced with the reality of financial insecurity in their later years. This episode tackles a crucial question: What percentage of your salary should you be putting into retirement savings, and is it too late for you to start? Ralph Estep Jr. offers practical strategies to master your retirement planning, emphasizing the importance of biblical stewardship alongside financial preparation. From maximizing employer matches to leveraging tax-advantaged accounts, Ralph provides actionable insights that can help alleviate your financial worries and set you on the path to a secure retirement. Join us as we explore how to plant the seeds for a financially stable future by understanding what you should be putting into retirement. https://www.askralphpodcast.com/putting-into-retirement/ Podcast Timestamps: 00:00 Episode Overview 01:03 Listener’s Question: How Much Should I Save for Retirement? 02:44 Bible Verse: Proverbs 6:6-8 07:40 Strategies To Boost Your Retirement Savings 14:15 Call to Action 15:59 Action Steps You Can Take to Boost Your Retirement Savings 17:25 Closing Takeaways: Retirement planning is crucial, as social security alone won't suffice for most lifestyles. Starting to save early can significantly increase your retirement savings through compound interest. Consider maximizing your employer match; failing to do so is like leaving free money on the table. When you receive a raise, immediately set aside part of it for retirement savings. Diversifying your investment portfolio can help manage risk and grow your savings effectively. Utilizing tax-advantaged accounts like IRAs and HSAs can enhance your retirement savings strategy. Links referenced in this episode: https://www.askralphpodcast.com/christmas https://www.askralphpodcast.com/health-care-costs-in-retirement/ Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group Ask Ralph Show Live https:// askralphpodcast.com/live What is your question that you would like to ask Ralph? Send Your Question here:
S6 E329 · Sun, November 24, 2024
What is the real meaning of the Lord’s Supper?
Are you feeling overwhelmed by financial stress during communion, struggling to connect your spiritual life with your daily business decisions? You're not alone. Today's discussion explores how the profound truths of the Lord's Supper can revolutionize your approach to money management and business ethics. Ralph shares a transformative story of a small business owner who found clarity and purpose by applying biblical principles to his financial practices. By examining themes of remembrance, gratitude, and covenant relationships, this episode reveals how understanding communion can lead to both spiritual and financial breakthroughs, providing a blueprint for responsible stewardship in your life and business. Join us as we uncover actionable insights that can help bridge the gap between faith and finances, while deepening your understanding of the real meaning of the Lord’s Supper . https://www.askralphpodcast.com/the-real-meaning/ Podcast Timestamps: 00:00 Episode Overview 02:13 Listener’s Question 04:38 Bible Verse: 1 Corinthians 11:28-29 06:23 Profound Lessons We Learn From The Lord’s Supper 17:16 Call to Action 19:54 Action Steps You Can Take 22:39 Recap and Closing Takeaways: Many Christians struggle to connect the sacred meaning of communion with their daily financial decisions. Understanding the deeper meaning of the Lord's Supper can significantly impact your approach to money. The principles of remembrance, examination, covenant, community, and trust can guide financial decisions in business. Regular financial reviews should align business practices with biblical principles for ethical stewardship. Creating a gratitude-based budget can transform your financial perspective from restriction to blessing. Building a giving strategy that reflects Christ's sacrifice can enhance community impact and personal fulfillment. Links referenced in this episode: https://www.askralphpodcast.com/christmas Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group Ask Ralph Show Live https:// askralphpodcast.com/live What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/ Join our email list and get a
S6 E328 · Sat, November 23, 2024
Can I use my 401-K to purchase a home?
Isabella from Tennessee shares her heartfelt struggle with the realities of renting and the desire for home ownership, raising the poignant question of whether to use retirement savings for a down payment. Ralph dives into the complexities of this decision, emphasizing the need to balance immediate family stability with long-term financial security. He highlights two main options for accessing 401(k) funds: taking a loan or making a hardship withdrawal, each with its own risks and rewards. Through real-life scenarios, Ralph illustrates the potential pitfalls of sacrificing future retirement funds for today’s needs, reminding listeners that family considerations and financial decisions should go hand in hand. Join Ralph as he offers practical advice and biblical perspectives to help navigate the emotional and financial challenges of striving to purchase a home. https://www.askralphpodcast.com/purchase-a-home/ Podcast Timestamps 00:00 Episode Overview 01:59 Listener’s Question: Should I Use My 401(k) for a Home? 03:50 Bible Verse: Proverbs 21:5 – The Plans of the Diligent 05:35 Understanding 401(k) Access Options: 13:44 Real-Life Scenario #1 The Martinez Family 15:52 Scenario #2 The Thompson Approach 19:20 Action Steps You Can Take 21:09 Key Takeaway 28:59 Closing Takeaways: Home ownership dreams can feel out of reach, yet retirement accounts may offer solutions. Using retirement funds for a home purchase can be a complex decision requiring careful consideration. Diligence in planning financial decisions can lead to long-term abundance rather than hasty poverty. Communicating with family about financial decisions is crucial to maintaining family harmony and stability. Weighing today's needs against future security is essential when considering using retirement funds. Exploring down payment assistance programs can provide viable alternatives to tapping retirement savings. Links referenced in this episode: https://www.askralphpodcast.com/christmas Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group Ask Ralph Show Live https:// askralphpodcast.com/live What is your question that you would like to ask Ralph? Send Your Question here: https://
S6 E327 · Fri, November 22, 2024
How can I survive the holidays without going broke?
Struggling to keep the holiday spirit alive without drowning in debt? Ralph Estep Jr. shares practical strategies to celebrate the season while keeping your finances intact. Joined by Mark Lawley from the Practical Prepping podcast, they delve into budgeting tips, cost-cutting strategies, and the importance of thoughtful gift-giving. Through personal stories and insightful advice, they emphasize that the true essence of Christmas lies not in material gifts but in meaningful connections and experiences. Discover how to create cherished memories this holiday season and survive the holidays without going broke . https://www.askralphpodcast.com/survive-the-holidays/ Podcast Timestamps: 00:00 Episode Overview 01:19 Listener’s Question: Melody’s Holiday Financial Struggles 03:42 Bible Verse: Luke 12:15 – Finding Meaning Beyond Possessions 08:26 Practical Cost Cutting Strategies for Surviving the Holidays Without Going Broke 12:55 Common Financial Pitfalls 16:08 Want, Need, Wear, Read Gift Strategy 19:59 The True Meaning of Christmas 24:34 Gift for the Listeners 36:05 Call to Action 37:15 Closing Takeaways: Planning a budget for holiday spending is essential to avoid financial stress in January. Utilizing a 24-hour rule before making purchases can help curb impulse buying. Creating meaningful experiences for loved ones can be more valuable than material gifts. Involving children in budgeting discussions teaches them about financial responsibility early on. Comparison shopping during the holiday season can lead to significant savings on gifts. Focusing on family connections rather than extravagant gifts can enhance holiday joy. Links referenced in this episode: www.askralphpodcast.com/christmas https://practicalprepping.info/ Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group Ask Ralph Show Live https:// askralphpodcast.com/live What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/ Join our email list and get a free copy of “Mastering Your Finances” at <a href="https://askral
S6 E326 · Thu, November 21, 2024
What are 5 common RMD mistakes to avoid?
Are you worried about making costly mistakes with your required minimum distributions (RMDs)? This podcast episode dives into five devastating RMD mistakes that could lead to thousands of dollars in penalties, highlighting the importance of understanding the rules surrounding these distributions. Ralph shares real-life stories of clients who faced significant financial repercussions due to oversights, such as failing to account for all retirement accounts or mishandling charitable contributions. With a compassionate approach, he offers guidance on how to avoid these pitfalls, emphasizing the value of creating a comprehensive inventory of your retirement accounts, seeking professional assistance, and planning ahead. Don’t miss this insightful discussion packed with practical advice and the key RMD mistakes to avoid to protect your hard-earned savings and navigate your distributions with confidence. https://www.askralphpodcast.com/RMD-mistakes-to-avoid/ Podcast Timestamps: 00:00 Episode Overview 00:50 Listener’s Question: Barbara’s Worry About RMD Mistakes 03:34 Bible Verse: Proverbs 15:22 – The Importance of Seeking Counsel 04:46 Common RMD Mistake #1: Forgotten Accounts 06:41 Common RMD Mistake #2: The Charity Confusion Catastrophe 09:02 Common RMD Mistake #3: The Inheritance Incident 10:44 Common RMD Mistake #4: The Multiple Account Miscalculation 12:18 Common RMD Mistake #5: The Deadline Disaster 14:18 Call to Action 16:06 Action Steps to Avoid These Costly RMD Mistakes #1: Create a Complete Retirement Account Inventory 16:54 Action Step #2: Set Up Automated Distribution Systems 18:25 Action Step #3: Build Your Professional Support Team 19:19 Action Step #4: Create a Distribution Calendar 20:06 Action Step #5: Implement a Consolidation Strategy 20:54 Bonus Action Step: Review Your Investment Strategy 22:30 Closing Takeaways: Create a complete inventory of all your retirement accounts to avoid penalties. Establish automated distribution systems to ensure timely required minimum distributions each year. Always get professional assistance when dealing with retirement account distributions and tax rules. Understand the specific rules for inherited IRAs to prevent costly mistakes and penalties. Set up reminders for important RMD deadlines to avoid procrastination and potential penalties. Consolidate multiple retirement accounts to simplify your RMD calculations and management. Links referenced in this episode: www.askralphpodcast.com/christmas <a href="https://www.a
S6 E325 · Wed, November 20, 2024
What are 7 things I can do to get the highest price when selling my car?
Are you leaving thousands of dollars on the table when selling your car? Today, Ralph shares a compelling story about a client named Bill, who transformed a $12,000 trade-in offer into an impressive $17,500 through a private sale. Ralph outlines seven essential principles that can help you maximize your car's selling price, including the importance of documentation, strategic timing, and professional detailing. He emphasizes that taking the time to sell privately, despite the challenges, can yield significantly better financial outcomes. Tune in to discover not only practical steps to enhance your vehicle's value but also insights on navigating the selling process with integrity and confidence, making you rethink your approach to selling my car. https://www.askralphpodcast.com/selling-my-car/ Podcast Timestamps: 00:00 Episode Overview 01:09 Listener’s Question: How to Get the Best Price on My Car 03:10 Bible Verse: Colossians 3:23 – Doing Your Best for God 04:33 Real-Life Story: Bill’s $5,500 Increase on His Car Sale 08:27 Key Strategies to Maximize Car Sale Price 16:36 Call to Action 18:05 Lifetime Value Maximization Tips 18:51 Action Steps You Can Take 20:41 Closing Takeaways: Selling your car privately can yield significantly more money compared to trade-ins, often by 15-30%. Proper documentation of your vehicle's maintenance history is crucial to increasing its resale value. Timing your sale is essential; consider selling when potential buyers have extra cash, like tax refund season. Investing in professional detailing can lead to a quicker sale and higher offers. Quality photos and honest descriptions of your vehicle help attract serious buyers and avoid wasting time. Choosing the right selling platform is vital; use multiple platforms to maximize your reach. Links referenced in this episode: https://www.askralphpodcast.com/survey http://www.askralphpodcast.com/christmas Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group Ask Ralph Show Live https:// askralphpodcast.com/live What is your question that you would like to ask Ralph? Send Your Question here: <a href="https://justaskralph.com/" rel="noopener nor
S6 E324 · Tue, November 19, 2024
I’ve been scammed online – what are 5 things I should do immediately?
Have you ever fallen victim to an online scam, leaving you feeling helpless and ashamed? Today, Ralph Estep Jr. shares vital steps you can take in the first 24 hours after being scammed to regain control and begin the recovery process. With powerful stories of individuals who faced similar challenges, Ralph outlines immediate actions you can implement, such as freezing your bank accounts and changing passwords. He emphasizes the importance of documenting everything and reporting the crime to local authorities to protect your identity and finances. Tune in to learn how to transform from a victim to a victor and safeguard yourself against future scams, maintaining your faith, financial well-being, and resilience after having been scammed online. https://www.askralphpodcast.com/been-scammed-online/ Podcast Timestamps: 00:00 Episode Overview 01:00 Listener’s Question: Tiffany’s Story of Online Fraud 03:22 Bible Verse: 2 Timothy 1:7 – Overcoming Fear with Faith 05:07 Story #1: Martha’s Tech Support Nightmare 08:28 Story #2: David’s Small Business Nightmare 11:59 Story #3: The Johnson Family's Rental Scam 15:35 The Five Critical Steps To Take Immediately 19:26 Call to Action 20:33 Preventive Measures for Avoiding Future Scams 23:29 Closing Takeaways: The first 24 hours after discovering a scam are critical for recovery. Always document every interaction related to the scam for future reference. Never wire money without verifying the recipient through a second channel. Contact your bank immediately to freeze accounts and prevent further losses. Be cautious of deals that seem too good to be true, as they often are. Utilize multifactor authentication to enhance your online security against potential scams. Links referenced in this episode: http://www.askralphpodcast.com/christmas Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group Ask Ralph Show Live https:// askralphpodcast.com/live What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/ Join our email list and get a free copy of “Mastering Your Finances” at <a href="https://askralph.com/" rel="noopener noreferrer" targe
S6 E323 · Mon, November 18, 2024
What are 5 things to consider before buying groceries with my credit card?
Are you feeling trapped in a cycle of credit card debt, especially when it comes to everyday expenses like groceries? Ralph Estep Jr. tackles this issue head-on, sharing five crucial considerations for using credit cards wisely without falling into debt. From the importance of maintaining an emergency fund to understanding the impact of credit utilization, Ralph provides practical strategies to make credit card perks work for you instead of against you. He shares real-life stories from clients who learned valuable lessons about budgeting and spending, emphasizing the need to track every purchase and set up automatic payments. Join Ralph as he guides you through creating a solid financial plan that lets you enjoy the benefits of using groceries with my credit card without the stress of accumulating debt. https://www.askralphpodcast.com/groceries-with-my-credit-card/ Podcast Timestamps: 00:00 Episode Overview 00:48 Listener’s Question: Struggling with Grocery Expenses on a Credit Card 01:47 Bible Verse: Proverbs 22:7 – Financial Discipline and Debt 02:16 Eye-Opening Stats on Why Smart Credit Card Use for Groceries Matters 04:57 Five Crucial Considerations Before Using Your Credit Card For Groceries 14:27 Big Takeaway 15:27 Call to Action 16:57 Action Steps You Can Take to Help Manage Credit Cards Wisely 19:21 Closing Takeaways: Before using your credit card for groceries, consider building an emergency fund to avoid debt cycles. Tracking your grocery spending can lead to significant savings and help you stick to a budget. Maintaining low credit utilization is essential; aim to keep it below 30% for better credit scores. Creating a dedicated grocery budget helps you plan your purchases and avoid impulse buys. Setting up automatic payments for your credit cards can prevent costly late fees and interest charges. Using credit cards wisely can earn rewards without incurring debt if managed properly. Links referenced in this episode: http://www.askralphpodcast.com/christmas https://www.bankrate.com/credit-cards/news/credit-card-debt-report/ Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group Ask Ralph Show Live https:// <a href="http://askralphpodcast.com/live" rel="noope
S6 E322 · Sun, November 17, 2024
How can I build effective Christian unity?
Building Christian unity is essential for strengthening both faith and finances within church communities, and today, Ralph dives into this important topic. He addresses a listener's concerns about division in her local church, particularly around financial decisions regarding a building fund versus community outreach. Through examining sobering statistics about church splits and conflicts, Ralph highlights the impact of disunity on spiritual and financial health. He shares practical steps to foster unity, including the importance of prayer, financial transparency, and finding common ground. With engaging anecdotes and actionable advice, this episode encourages listeners to cultivate a supportive, unified, and effective Christian community. https://www.askralphpodcast.com/effective-christian-community/ Podcast Timestamps: 00:00 Episode Overview 01:00 Listener’s Question: Building Unity in Christian Communities 02:39 Bible Verse: Ecclesiastes 4:9-10 03:43 Reasons For Church Splits 08:31 Lessons Learned from Church Divisions 15:37 Call to Action 17:13 Closing Prayer 17:44 Action Steps 20:39 Closing Takeaways: Building Christian unity can enhance both spiritual fellowship and financial health in churches. Regular prayer meetings can significantly change perspectives before financial discussions occur. Practicing financial transparency is crucial for maintaining trust and unity within a church community. Finding common ground among differing opinions helps churches avoid divisive conflicts and church splits. Encouraging consensus in decision-making processes can lead to more harmonious church operations. Organizing fellowship events allows members with differing viewpoints to understand each other better. Links referenced in this episode: Guide to Surviving the Holidays without going Broke! http://www.askralphpodcast.com/christmas Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group Ask Ralph Show Live https:// askralphpodcast.com/live What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/ Join our email list and get a free copy of “Mastering Your Finances” at <a
S6 E321 · Sat, November 16, 2024
My parents failed to prepare for retirement and are now 70 – what can I do to help them?
Are you worried about your aging parents' financial situation? This episode of the Ask Ralph Podcast dives into practical ways to support them, especially if they haven't adequately prepared for retirement. Ralph Estep Jr. examines the emotional and financial challenges families face when parents are reliant on Social Security alone, often struggling to make ends meet. He offers actionable steps, including creating a detailed budget, reviewing Social Security benefits, and considering housing and healthcare options. With insights grounded in real-life scenarios and statistics, this episode provides a heartfelt guide for navigating these tough conversations and finding solutions without jeopardizing your own financial future. Tune in for valuable advice on how to improve your parents' quality of life during their golden years, even if they failed to prepare. https://www.askralphpodcast.com/parents-failed-to-prepare/ Podcast Timestamps: 00:00 Episode Overview 01:38 Listener’s Question 02:26 Bible Verse: 1 Timothy 5:8 04:35 Real-Life Story: A Client’s Journey to Support His Aging Parents 06:02 Understanding the Burden of Financial Struggles 09:16 Key Financial Steps to Help Aging Parents 15:47 Actionable Steps You Can Take 18:46 Call to Action 19:51 Closing Takeaways: Financial insecurity in seniors can stem from fixed incomes, rising healthcare costs, and housing expenses. It's crucial to create a detailed budget for aging parents to assess their financial situation. Exploring part-time job opportunities can provide additional income for seniors in need. Consider discussing downsizing or alternative housing options to reduce financial burdens on elderly parents. Engaging in estate planning and legal protection is vital for safeguarding assets and futures. A family meeting can help establish open communication about financial responsibilities and options. Links referenced in this episode: https://www.askralphpodcast.com/survey Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group Ask Ralph Show Live https:// askralphpodcast.com/live What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.
S6 E320 · Fri, November 15, 2024
Why don’t I feel like I’m doing well financially – even though I am according to most experts?
Feeling financially secure on paper but unsettled inside is a common struggle that many face, as highlighted by Shannon's heartfelt letter. Despite earning a solid income, having emergency savings, and contributing to retirement, she experiences anxiety and a sense of inadequacy. Ralph Estep Jr. delves into this paradox, exploring the reasons why financial success doesn’t always bring peace of mind. He identifies four hidden barriers to achieving true financial peace, including the expert trap, comparison curse, purpose gap, and faith-finance disconnect. By addressing these barriers and aligning financial goals with spiritual purpose, listeners can work towards finding genuine contentment and fulfillment in their financial journeys—even when they’re doing well financially. https://www.askralphpodcast.com/doing-well-financially/ Podcast Timestamps: 00:00 Episode Overview 01:23 Listener’s Question: Feeling Financially Inadequate Despite Success 02:40 Bible Verse: Ecclesiastes 5:10-12 – Finding Contentment Beyond Wealth 03:39 Real-Life Story: Ralph’s Journey to Financial Satisfaction 05:00 The Four Hidden Barriers To Financial Peace 13:25 Call to Action 14:54 Key Action Steps You Can Take 20:37 Closing Takeaways: Financial success on paper doesn’t guarantee inner peace or contentment in life. The expert trap misleads individuals to prioritize financial metrics over personal fulfillment. Comparison with others often leads to anxiety instead of financial peace and satisfaction. Aligning financial decisions with personal faith can lead to more meaningful living. The purpose gap occurs when financial stability doesn’t align with one's spiritual purpose. Creating dedicated time for financial prayer can help alleviate anxiety about money. Links referenced in this episode: Guide for Surviving the Holidays Without Going Broke http://www.askralphpodcast.com/christmas Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group Ask Ralph Show Live https:// askralphpodcast.com/live What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/ Join our email list and get a free copy of “Mastering Your F
S6 E319 · Thu, November 14, 2024
What is an EIN and why would I need one?
Are you unsure whether you need an EIN (Employer Identification Number) for your small business? Ralph addresses this common confusion, particularly for those starting out as sole proprietors. He explains that while having an EIN isn't legally required for every small business, it offers significant benefits, including easier banking, protection against identity theft, and compliance with hiring regulations. Through the story of a client who almost missed a major retail opportunity due to not having an EIN, Ralph illustrates the importance of proper planning and organization. Tune in to discover how to obtain an EIN and learn why it can be the foundation for your business's growth and success. So, what is an EIN exactly, and why might it be essential for your business journey? https://www.askralphpodcast.com/what-is-an-EIN/ Podcast Timestamps: 00:00 Episode Overview 00:51 Listener’s Question: Do I Need an EIN? 02:09 Bible Verse: Proverbs 24:27 – The Importance of Proper Planning & Organization 02:40 What Is An EIN? 03:08 Real-Life Story of a Client: How an EIN Saved a Major Deal 04:54 What is an EIN and Why It’s Important 04:57 #1 EIN for Business Bank Accounts 05:23 #2 EIN for Hiring Employees 05:59 #3 EIN for Tax Filing and Entity Benefits 06:28 #4 EIN for Protecting Your SSN 07:06 #5 EIN for Business Licensing and Permits 09:42 Key Action Steps: 11:42 How To Get Your EIN 13:44 Important Tips 16:27 Recap and Tomorrow’s Episode Preview 17:13 Closing Takeaways: An EIN number serves as your business's Social Security number, essential for identification. Even as a sole proprietor, obtaining an EIN can protect your personal identity from theft. Banks typically require an EIN to open a business bank account, crucial for financial management. Hiring employees mandates an EIN for payroll processing, ensuring compliance with tax regulations. An EIN is necessary for filing business tax returns, separating personal from business affairs. Acquiring an EIN is free and can be done online through the IRS website. Links referenced in this episode: www.irs.gov askralphpodcast.com askralphpodcast.com/review Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group Ask Ralph Show Live <a href="https://
S6 E318 · Wed, November 13, 2024
Why looking poor can be the key to being rich?
Looking poor could actually be your secret weapon for building real wealth. Ralph Estep Jr. shares two compelling stories that illustrate how living below your means can lead to financial abundance and the ability to serve others. The episode discusses the societal pressures to appear wealthy, contrasting them with the true essence of prosperity rooted in stewardship and generosity. Ralph emphasizes the importance of making intentional financial choices that align with one’s values and faith. He concludes with practical action steps to help listeners break free from the cycle of financial bondage and embrace a more fulfilling financial journey— showing that the key to being rich isn't in appearances, but in making wise, value-driven financial decisions. https://www.askralphpodcast.com/key-to-being-rich/ Podcast Timestamps: 00:00 Episode Overview 00:56 Listener’s Question: Michael's Struggle with Societal Expectations 02:18 Bible Verse: Matthew 6:33 – Seek first God’s kingdom 02:42 Real-Life Story: Harold's Hidden Wealth: A Lesson in Frugality 07:02 James's Journey: From Debt to Wealth 09:45 The True Meaning of Wealth: Deploying for God's Purpose 11:19 Action Steps to Financial Freedom 14:54 Closing Takeaways: Living below your means can lead to profound financial abundance and community service. True wealth is not about appearances but how you can serve a higher purpose. The societal pressure to show wealth can lead to financial struggles and unhappiness. Creating a Kingdom Impact Savings account can help align your finances with your values. Finding an accountability partner is crucial for maintaining financial discipline and growth. Practicing contentment with what you have is essential for long-term financial success. Links referenced in this episode: Escape The Paycheck To Paycheck Bondage Through 7 Biblical Principles https://mailchi.mp/askralph/escape?redirect_from=podpage Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group Ask Ralph Show Live https://askralphpodcast.com/live What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/ Join our email list and get a free copy of “Mastering Your Finances” at <a href="https://askralph.
S6 E317 · Tue, November 12, 2024
How can I avoid losing my retirement benefits to an online scammer?
Are you worried about losing your retirement savings to online scammers? Ralph Estep Jr. tackles this critical concern by sharing personal stories and practical advice for protecting your financial future. He emphasizes the importance of discernment when it comes to investment opportunities and warns against acting under pressure, a lesson he learned from his own mother’s near-miss with a scam. Listeners will learn five concrete steps to safeguard their retirement, from establishing verification words with financial institutions to the necessity of multifactor authentication. Join Ralph as he combines real-world experiences with a Christian perspective, offering hope and strategies to help you navigate today’s increasingly sophisticated world of financial scams— ensuring you don’t fall victim to the fear of losing my retirement. https://www.askralphpodcast.com/losing-my-retirement/ Podcast Timestamps: 00:00 Episode Overview 00:57 Listener’s Question: Margaret’s Scare with an Investment Scam 02:20 Bible Verse: Proverbs 4:6-7 – Gaining Wisdom for Protection 02:54 Real-Life Story: Ralph’s Mother and a Spoofed Bank Call 05:19 Real-Life Story of Ralph’s Client 07:43 The Importance of Discernment 10:40 Five Steps to Protect Your Retirement 14:00 Closing Takeaways: Waking up in fear that your life savings could disappear is a common anxiety. It's essential to stay ahead of sophisticated online scams targeting your retirement funds. When in doubt about calls regarding your investments, always contact your bank directly. Establishing a verification word with financial institutions can add an extra layer of security. Never click on links in unsolicited emails, as they may lead to scams. Setting up multi-factor authentication is crucial for protecting your financial accounts. Links referenced in this episode: Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group Ask Ralph Show Live https:// askralphpodcast.com/live What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/ Join our email list and get a free copy of “Mastering Your Finances” at https://askralph.com/ <a href="https://www.askralphpodcast.
S6 E316 · Mon, November 11, 2024
How do I build a death binder and what should I include in it?
Creating a death binder is a crucial step in ensuring your loved ones are prepared to manage your affairs in the event of the unexpected. Ralph dives deep into the importance of organizing essential documents, accounts, and final wishes to provide peace of mind for both you and your family. Through personal anecdotes, he highlights the challenges many face when a family member passes without proper organization. As Ralph outlines, a well-structured binder can include legal documents, financial accounts, insurance information, and even personal notes to guide your loved ones through difficult times. Tune in to discover practical steps on how to build a death binder and give your family the gift of preparedness. https://www.askralphpodcast.com/build-a-death-binder/ Podcast Timestamps: 00:00 Episode Overview 01:01 Listener’s Question: Organizing Documents for Family Peace 02:13 Bible Verse: Proverbs 13:22 – Leaving an Inheritance 02:23 What Is A Death Binder And Why Do You Think It’s So Crucial? 05:28 Building Your Death Binder: Legal Documents Section 07:11 Financial Accounts Section 10:12 Insurance Information Section 11:50 Regular Reviews and Estate Planning Considerations 15:26 Action Steps to Create Your Death Binder 18:16 Closing Takeaways: A death binder is essential for organizing important documents to help your loved ones during challenging times. Creating a comprehensive binder ensures your family knows where to find vital information and financial accounts. Regularly reviewing your death binder is crucial to keep all information updated and relevant. Including detailed instructions for beneficiaries in your binder can prevent costly legal issues later on. Incorporate sections for legal documents, financial accounts, insurance policies, and emergency funds. Consider adding personal details like where to find family photos and spare keys for convenience. Links referenced in this episode: Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group Ask Ralph Show Live https:// askralphpodcast.com/live What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/ Join our email list and get a free copy of “Mastering Your Finances” at <a href="https://askralph.com/" rel="noope
S6 E315 · Sun, November 10, 2024
What are some of the most popular misconceptions of money in scripture?
Money is often misunderstood, with many believing that it is the root of all evil or that God desires Christians to be poor. This episode delves into 11 dangerous misconceptions about money in scripture that could be hindering your financial growth and spiritual well-being. Ralph Estep Jr. shares personal stories and biblical insights to clarify how wealth can be a tool for good, enabling believers to support others and serve God. By addressing common myths, such as the belief that giving to God will lead to poverty or that financial planning shows a lack of faith, he aims to empower listeners to embrace a healthier perspective on money. Join Ralph as he guides you through this enlightening discussion, helping you achieve the financial freedom God desires for you, while shedding light on the misconceptions of money that may be holding you back. https://www.askralphpodcast.com/misconceptions-of-money/ Podcast Timestamps: 00:00 Episode Overview 01:05 Listener’s Question: Misunderstanding Money and Wealth in the Bible 02:27 Bible Verse - 1 Timothy 6:17-19 04:02 Misconception #1: Money is the Root of All Evil 05:18 Misconception #2: God Wants Christians to be Poor 06:40 Misconception #3: Giving to God Means I'll Become Poor 08:24 Misconception #4: If I'm Spiritual Enough, God Will Provide Everything 09:59 Misconception #5: Making Profit is Somehow Unholy 11:37 Misconception #6: Financial Planning Shows a Lack of Faith 12:52 Misconception #7: Debt is Always Sinful 13:56 Misconception #8: Rich People Can't be Good Christians 15:04 Misconception #9: Money Discussions Don't Belong in Church 16:33 Misconception #10: Poverty Equals Holiness 17:41 Misconception #11: Financial Success Means God's Blessing 19:33 Key Takeaways on Money and Stewardship 23:59 Prayer for Financial Wisdom 26:16 Closing Takeaways: The common saying that money is the root of all evil is a misunderstanding; it's the love of money that leads to evil. Achieving financial success as a Christian doesn't mean you are unspiritual; it can be a tool for good. Misconceptions about money can create financial paralysis, preventing individuals from being good stewards. God provides tools and resources to manage finances wisely, aligning with biblical principles. Giving to God doesn't mean you will become poor; it can lead to financial freedom. Financial planning is not a lack of faith; it's a wise approach to God's provision. Links referenced in this episode: Ask Ralph Insiders Community https://mailchi.mp/ask
S6 E314 · Sat, November 09, 2024
What are common things that most people don’t know about social security?
Are you lying awake at night, worried that Social Security won't be enough to cover your retirement? You're not alone; many Christians share this concern about their financial future. Ralph dives into nine critical insights about Social Security that financial advisors often overlook, helping to demystify this important topic. By understanding these key elements, listeners can make informed decisions and potentially secure a more stable financial future. From the importance of full retirement age to spousal benefits and the impact of taxes, Ralph guides you through essential strategies that could lead to significant lifetime benefits. Tune in as he shares real-life stories and practical advice, ensuring you're equipped to navigate your retirement planning with confidence and peace of mind—because there’s so much you need to know about Social Security. https://www.askralphpodcast.com/know-about-social-security/ Podcast Timestamps: 00:00 Episode Overview 01:22 Listener’s Question: How Does Social Security Impact Retirement? 02:08 Bible Verse: Proverbs 21:20 03:15 9 Crucial Elements Of Social Security That Many People Are Not Aware Of 03:23 Full Retirement Age Surprise 04:18 The Spousal Benefit Secret 04:58 The Working Penalty 06:17 The Tax Trap 07:05 The Survivor Benefit 08:08 The Do-Over Rule 09:10 The Divorce Benefit 09:54 The COLA Mystery 10:55 The Earnings Record 11:54 Action Steps 13:37 Medicaid Estate Recovery: What You Should Know 17:59 Conclusion and Call to Action Takeaways: Understanding your full retirement age can significantly impact your Social Security benefits. Many people are unaware that spousal benefits can provide additional income during retirement. Working while receiving Social Security before full retirement age can lead to penalties and income loss. It's crucial to verify your earnings record with the Social Security Administration to avoid surprises. Social Security benefits can be taxed, affecting your overall retirement income strategy. Planning ahead for long-term care and Medicaid estate recovery is essential to protect your assets. Links referenced in this episode: Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group Ask Ralph Show Live https:// askralphpodcast.com/live What is your question that you would like to ask Ralph? Send Your
S6 E313 · Fri, November 08, 2024
What are 7 alternatives to buying a home in your golden years?
Feeling overwhelmed by the maintenance of a large family home during retirement? You're not alone, and today, Ralph Estep Jr. challenges the notion that homeownership is the only way to enjoy your golden years. He shares powerful stories of clients who found peace and financial freedom by exploring alternative housing options, such as luxury RV living, continuing care retirement communities, and home sharing. With seven practical alternatives presented, Ralph emphasizes the importance of financial stewardship while maintaining a fulfilling lifestyle. Tune in for insights that could transform your retirement experience and help you discover what truly matters beyond the walls of your home in your golden years. https://www.askralphpodcast.com/home-in-your-golden-years/ Podcast Timestamps: 00:00 Episode Overview 01:06 Listener’s Question: Martha's Dilemma with Keeping a Large Family Home 02:26 Bible Verse - Philippians 4:11-12 03:00 Story 1: John and Mary's RV Adventure 05:15 Story 2: Sarah's Journey to a Retirement Community 07:03 Story 3: Tom and Linda's Home Sharing Experience 08:44 7 Alternative Ideas To Buying A Home 19:49 Key Takeaways 21:35 Closing Takeaways: Homeownership isn’t the only path to a fulfilling retirement; consider alternative housing options. Many retirees find peace and financial freedom by downsizing or moving to communities. Sharing a home with others can provide companionship and reduce living expenses significantly. Luxury RV living offers a unique lifestyle that combines travel and financial freedom. Continuing care retirement communities provide social connection and guaranteed healthcare for life. Exploring tiny home communities can lead to a minimalist lifestyle with less financial burden. Links referenced in this episode: Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group Ask Ralph Show Live https:// askralphpodcast.com/live What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/ Join our email list and get a free copy of “Mastering Your Finances” at https://askralph.com/ <a href="https://www.askralphpodcast.com/" rel="noopener noreferrer" targe
S6 E312 · Thu, November 07, 2024
What are the differences between the two types of 529 plans?
Are you feeling overwhelmed about how to finance your child's college education? Ralph breaks down the two types of 529 plans—traditional college savings plans and prepaid tuition plans—providing clarity on how each can effectively contribute to your college funding strategy. Through real-life stories of families who successfully navigated their educational savings, Ralph emphasizes the importance of starting early and remaining consistent in your contributions. He highlights how these plans can not only help you save money but also protect against rising tuition costs. With practical advice and encouragement rooted in faith, this episode inspires listeners to take proactive steps toward securing their children's educational futures by understanding the two types of 529 plans. https://www.askralphpodcast.com/two-types-of-529-plans/ Podcast Timestamps 00:00 Episode Overview 01:00 Listener’s Question: Understanding 529 Plans for Education Savings 02:23 Bible Verse: Proverbs 22:6 – Guiding Children for the Future 02:53 Key Differences Between The Two Types Of 529 Plans 04:56 Key Investment Considerations With These Plans 05:53 Real-Life Examples of Ralph’s Clients 14:06 What Do These Real-Life Examples Tell Us? 15:10 Key Points 17:35 General Rules of Selecting 529 Plans 21:07 Action Steps You Can Take 22:01 Closing Takeaways: Starting to save early for your child's college education can leverage compound interest effectively. Understanding the differences between prepaid tuition plans and traditional 529 savings plans is essential. Both 529 plans offer tax advantages, but they serve different financial strategies for education. Real-life examples show how consistent saving can lead to significant educational savings over time. Choosing the right type of 529 plan depends on your child's education goals and financial situation. Consulting with a financial professional can help tailor a plan that fits your family's needs. Links referenced in this episode: https://www.irs.gov/pub/irs-news/fs-09-12.pdf https://www.savingforcollege.com/intro-to-529s/what-is-a-529-plan https://www.savingforcollege.com/529-plan-details Ask Ralph Insiders Community https://mailch
S6 E311 · Wed, November 06, 2024
What are 7 credit card debt myths that nobody should believe?
Are you feeling overwhelmed by credit card debt? You’re not alone—many people are trapped by misconceptions about credit cards that can lead to costly mistakes. Ralph dives into seven dangerous credit card myths that could be costing you thousands, including the false belief that carrying a balance builds credit. He shares a shocking personal story about how these myths nearly derailed his small business, but ultimately led to a financial turnaround. Tune in for essential insights on managing credit wisely and learn how to avoid becoming a slave to the lender by uncovering the truth behind common credit card debt myths . https://www.askralphpodcast.com/credit-card-myths/ Podcast Timestamps: 00:00 - Episode Overview 01:15 - Listener’s Question: Struggling with Conflicting Advice on Credit Cards 02:06 - Bible Verse: Proverbs 22:7 02:54 - Ralph’s Personal Story 03:39 - 7 Credit Card Debt Myths That Nobody Should Believe 13:46 - Key Takeaways 14:32 - Strategic Credit Card Use for Business Owners 17:54 - Action Steps for Managing Credit Card Debt 19:32 - Closing Takeaways: Carrying a balance on credit cards does not build credit; it increases interest costs. Closing unused credit cards can actually hurt your credit score by raising utilization. Using credit cards frequently is not necessary; consistent on-time payments are what matter. Opening multiple credit cards quickly can signal risky behavior to lenders and harm your credit. Credit card debt is not good debt; it often comes with high interest rates. Making only minimum payments on credit cards can lead to decades of debt repayment. Links referenced in this episode: https://www.askralphpodcast.com/payoff-credit-cards/ https://www.askralphpodcast.com/with-my-credit-card/ https://www.annualcreditreport.com/ Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group Ask Ralph Show Live https:// askralphpodcast.com/live What is your question that you would like to ask Ralph? Send Your Question here: <a href="https://justaskralph.com/" rel="noopene
S6 E310 · Tue, November 05, 2024
What are the best cash apps and what are best practices for using them?
Sending money through cash apps can be nerve-wracking, especially with the risk of scams that can lead to significant financial losses. Ralph shares a cautionary tale about a client who lost $5,000 to a cash app scam, highlighting the importance of security and awareness when using these financial tools. He emphasizes that convenience must never compromise security and provides actionable tips to protect yourself, such as enabling two-factor authentication and creating unique passwords. The discussion also covers the best cash apps for personal and business use, focusing on maintaining clear financial records to avoid complications during audits. Join Ralph as he equips you with the knowledge to navigate the digital finance landscape safely and effectively, discussing the best cash apps and best practices for using them. https://www.askralphpodcast.com/best-cash-apps/ Podcast Timestamps: 00:00 Episode Overview 01:05 Listener’s Question: Small Business Concerns with Cash Apps 02:01 Bible Verse: Proverbs 22:3 – Wisdom in Financial Caution 02:25 Real-Life Story: Client’s $5,000 Loss Through a Cash App Scam 03:22 The Most Reliable Apps – The Big 4 04:22 Which App Is Best For Me? 07:43 What Are The Key Differences To Consider? 11:43 How I Helped My Client Safeguard Her Business 13:32 Business Best Practices for Using Cash Apps 17:40 Actionable Steps You Can Take 19:14 It’s Election Day! 19:41 Key Takeaway 20:00 Closing Takeaways: Understanding the risks involved with cash apps is crucial for protecting your finances. Always separate your personal and business finances to avoid complications during audits. Implementing strong security measures like two-factor authentication can help prevent scams. Regularly review your transaction history to catch any fraudulent activities early. Educating customers about digital payment policies helps maintain transparency in your business. Utilize the built-in security features of cash apps to enhance your financial safety. Links referenced in this episode: Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group Ask Ralph Show Live https:// askralphpodcast.com/live What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/ <a href=
S6 E309 · Mon, November 04, 2024
What are the biggest financial challenges for those couples retiring at different times?
Navigating retirement can be a complex journey, especially for married couples with significant age differences. This podcast dives into real stories of couples who have successfully managed different retirement timelines, highlighting how communication and strategic planning can bridge potential gaps. Ralph addresses a listener's concern about the challenges faced by couples planning to retire at different times, emphasizing the importance of maintaining financial stability and a strong relationship during this transition. Through two compelling case studies, he illustrates effective strategies like the "bridge strategy" and the "two timeline strategy," showcasing how tailored financial planning can alleviate stress and ensure both partners’ needs are met. Tune in for actionable insights that will help you navigate the biggest financial challenges for couples retiring at different times , while keeping your marriage thriving. https://www.askralphpodcast.com/retiring-at-different-times/ Podcast Timestamps: 00:00 Episode Overview 01:03 Listener’s Question: Michael’s Retirement Concerns for Him and His Younger Wife 01:59 Bible Verse: Ecclesiastes 4:9-10 02:35 Real-Life Story: The “Bridge Strategy” for Retirement Income Gaps 06:04 The “Two-Timeline Strategy” for Couples with Different Risk Tolerances 09:40 What Made These Situations Successful? 14:50 Action Steps You Can Take 18:05 The Big Takeaway 19:05 Closing Takeaways: Retirement planning for couples with age gaps requires open communication and flexibility in financial strategies. Creating a detailed timeline for both partners' retirements can help manage expectations and financial needs. Utilizing different investment approaches based on each partner's risk tolerance is crucial for success. Health insurance options must be reviewed early to avoid financial surprises during retirement transitions. Developing a Social Security claiming strategy is essential for maximizing retirement income effectively. Maintaining a flexible budget that adapts to changing income sources is vital for retirement success. Links referenced in this episode: Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group Ask Ralph Show Live https:// askralphpodcast.com/live What is your question that you would like to ask Ralph? Send Your Question here: <a href="https://justaskralph.com/"
S6 E308 · Sun, November 03, 2024
How do I find joy in the midst of trouble?
Finding joy amidst life's troubles can feel like an impossible task, but this podcast dives deep into how we can navigate these challenging times. Ralph addresses a heartfelt question from a listener named Vanessa, who is grappling with significant hardships, including job loss and financial strain. Through powerful scripture and inspiring stories, Ralph emphasizes that God has not abandoned us; rather, He uses our struggles to strengthen our faith and character. Listeners will hear real-life examples of individuals who have turned their trials into opportunities for growth and joy. The episode offers practical steps, encouraging us to start each day with gratitude, immerse ourselves in scripture, and seek community support. Ralph’s message reminds us that joy is not the absence of trouble but the presence of God in our lives and answers the heartfelt question, “ How do I find joy in the midst of trouble? ” https://www.askralphpodcast.com/midst-of-trouble/ Podcast Timestamps: 00:00 Episode Overview 01:07 Listener’s Question: Finding Joy During Hard Times 03:08 Bible Verse: James 1:2-4 – Embracing Trials with Joy 04:23 Real-Life Stories of Ralph’s Clients: Journey to Discovering Joy in Difficult Seasons 14:35 What Do These Stories Really Tell Us? 17:05 What are the Practical Steps I can Take to Find Joy in the Midst of Trouble 21:23 Closing Prayer 22:15 Recap and Tomorrow’s Topic Takeaways: Finding joy amidst life's troubles often involves embracing gratitude and trusting in God. Real-life stories illustrate how faith can transform challenges into opportunities for personal growth. It is essential to seek community support during tough times to foster resilience and hope. Daily practices like gratitude journaling can significantly shift your perspective on hardships. Scripture reminds us that joy can coexist with pain, offering hope for brighter days ahead. Recognizing the presence of God in our struggles is crucial for cultivating true joy. Links referenced in this episode: Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group Ask Ralph Show Live https:// askralphpodcast.com/live What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/ <a href="https://askralph.com/" rel="noopener noreferrer" target="_
S6 E307 · Sat, November 02, 2024
What are the best ways to save money when selling a home?
Discover how to save thousands when selling your home in this enlightening episode of the Ask Ralph Podcast. Ralph shares valuable insights and real-life success stories from clients who navigated the home-selling process, including how one couple saved a staggering $17,500 by using a flat fee MLS listing service. The episode dives into practical strategies for homeowners, such as focusing on essential repairs and effective online marketing, to keep more of their hard-earned equity. With a mix of humor and practical advice, Ralph encourages listeners to consider DIY marketing techniques and emphasizes the importance of timing and pricing in real estate. Tune in for actionable steps that can help you maximize your profits, minimize unnecessary costs, and ultimately save money when selling a home. https://www.askralphpodcast.com/save-money-when-selling-a-home/ Podcast Timestamps: 00:00 Episode Overview 02:06 Listener’s Question: Sarah’s Home Selling Concerns 02:37 Bible Verse - Proverbs 21:5 03:19 Real-Life Story: Mike and Jennifer's For Sale by Owner Success 05:09 Barbara's Smart Renovation Strategy 06:54 Rodriguez Family’s Timing Victory 08:07 Tom's Do It Yourself Marketing Success 08:53 Actionable Steps You Can Take 10:33 Listener’s Question: 401k Withdrawals for a New Car 14:39 Delaware EARNS 21:08 Closing Takeaways: Understanding the potential savings from selling your home yourself can lead to significant financial benefits, sometimes saving thousands in commissions. Proper timing and pricing are crucial when selling a home; a well-timed sale can maximize profits. Investing in basic landscaping and deep cleaning can greatly improve a home's curb appeal without breaking the bank. Consider leveraging modern technology, like social media and high-quality photography, to market your property effectively. Exploring different financing options for major purchases, like cars, can help manage taxes and preserve retirement savings. Utilizing state-sponsored retirement plans like Delaware Earns can provide employees with essential saving options without costly employer burdens. Links referenced in this episode: Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group Ask Ralph Show Live https:// askralphpodcast.com/live What is your question that you would like to ask Ralph? Send Your Question here: <
S6 E306 · Fri, November 01, 2024
What do I do if I find myself house rich and cash strapped as an older American?
Feeling financially trapped in a home you love but can't afford to maintain is a common struggle for many older Americans. This podcast tackles the critical issue of being house rich but cash poor, exploring the emotional and financial toll it takes on individuals like Peter, who is left grappling with expenses after losing his spouse. Ralph shares inspiring stories of triumph and practical strategies to navigate this dilemma, emphasizing the importance of early financial planning, diversifying assets, and seeking professional guidance. By understanding these challenges, listeners can avoid the pitfalls that lead to overwhelming debt and financial stress. Join Ralph as he combines real-world advice with a faith-based perspective to help you achieve financial stability and peace of mind. What do I do if I find myself house rich and cash strapped as an older American? Ralph’s insights provide a roadmap to answer this pressing question, guiding you toward a secure and fulfilling financial future. https://www.askralphpodcast.com/house-rich-cash-strapped/ Podcast Timestamps: 00:00 Episode Overview 01:15 Listener’s Question: 03:09 Bible Verse - Proverbs 13:22 04:10 Real-Life Story: John’s Journey from Cash-Strapped to Financially Security 05:33 The Solution to John’s Situation 06:52 A Client’s Story (Mary) 09:18 What Do These Stories Really Tell Us? 09:46 How Can I Avoid Getting Into This Situation? 16:38 Call-to-Action 17:55 Closing Takeaways: Many older Americans are asset rich but cash poor due to rising living costs. Planning for retirement early can prevent financial stress later in life. Diversifying your assets helps avoid being overly reliant on home equity. Downsizing before it's necessary can provide financial and emotional relief. Staying informed about financial products empowers you to make better decisions. Regularly reviewing and adjusting your budget is essential for financial stability. Links referenced in this episode: https://www.askralphpodcast.com/deciphering-reverse-mortgages/ https://www.askralphpodcast.com/home-equity-loan/ Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group Ask Ralph Show Live https:// <a href="http://askralphpodcast.com/live" rel="noope
S6 E305 · Thu, October 31, 2024
Why is a wealth tax such a terrible idea?
Are you concerned about the potential impact of a wealth tax on your savings and financial future? Ralph dives deep into the complexities of this contentious issue, explaining how a wealth tax could adversely affect not just the ultra-wealthy but also middle-class families. He highlights the misconceptions perpetuated by mainstream media, emphasizing that the reality of such a tax is far more complicated than it seems. Through real-life examples and biblical insights, Ralph argues that wealth taxes could stifle entrepreneurship, discourage investment, and ultimately lead to less prosperity for everyone. Join him as he unpacks the facts, encouraging listeners to stay informed and engaged in the discussion surrounding their financial futures—and shedding light on why a wealth tax is such a terrible idea. https://www.askralphpodcast.com/wealth-tax-such-a-terrible-idea/ Podcast Timestamps: 00:00 Episode Overview 01:11 Listener’s Question: Concerns About Wealth Taxes 02:33 Bible Verse: 1 Timothy 6:17-19 03:57 How Is A Wealth Tax Different From Our Current Income Tax? 10:00 Some Of The Misinformation Being Circulated In The MainStream Media 13:20 How Does This Idea Of A Wealth Tax Impact Our Christian Faith? 15:21 Key Takeaway 15:38 Call to Action 17:59 3 Actionable Steps You Can Take 19:51 Recap and Closing Takeaways: A wealth tax targets individuals based on their assets rather than their income, which can be problematic. Wealth taxes can discourage entrepreneurship and investment, ultimately leading to slower economic growth. Many individuals may be falsely labeled as wealthy due to asset values, affecting the middle class. Historical precedents show that wealth taxes can gradually impact more than just the ultra-rich. The complexities of valuing assets make implementing a wealth tax fairly extremely challenging. We should focus on policies that promote job creation, rather than those that hinder economic growth. Links referenced in this episode: Ask Ralph Show Live https:// askralphpodcast.com/live What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/ https://askralph.com/ LISTEN NOW <
S6 E304 · Wed, October 30, 2024
What are the 9 riskiest places to give your social security number?
Feeling uneasy when asked for your Social Security number is a valid concern, and today’s discussion highlights the nine riskiest places where you might be asked to provide it. From gym memberships to job applications and even medical offices, sharing this crucial piece of information can expose you to identity theft. Ralph shares personal anecdotes and practical advice to help you navigate these situations safely. He emphasizes the importance of questioning why your Social Security number is needed and suggests alternative forms of identification when possible. Tune in to learn how to protect yourself and your loved ones from the potentially devastating consequences of identity theft while maintaining a sense of humor throughout the journey as he outlines the 9 riskiest places to give your Social Security number . https://www.askralphpodcast.com/give-your-social-security-number/ Podcast Timestamps: 00:00 Episode Overview 00:54 Listener's Question: Concerns About Giving a Social Security Number at the Gym 02:35 Bible Verse: Proverbs 22:3 – Being Prudent in Protecting Your Identity 03:23 The 9 Riskiest Places To Give Your Social Security Number 10:44 Real-Life Stories of Clients: Identity Theft from Sharing a Social Security Number 15:13 Key Takeaways 15:31 Best Practices to Protect Your Social Security Number 18:34 Recap and Closing 19:00 Call to Action Takeaways: Never provide your Social Security number unless absolutely necessary; always question its need. Be cautious when filling out gym membership forms; inquire about alternatives to sharing your SSN. Avoid giving your Social Security number on job applications until you are hired. Use secure methods to share your Social Security number rather than writing it on paper. Don't share your Social Security number over email or phone; it's not safe. Regularly monitor your credit reports to catch suspicious activity promptly before it escalates. Links referenced in this episode: https://www.justice.gov/opcl/overview-privacy-act-1974-2020-edition/ssn https://www.askralphpodcast.com/identity-theft-online/ What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/ Ask Ralph Show Live <a href="https://justaskralph.com/" rel="noopen
S6 E303 · Tue, October 29, 2024
How can I use my retirement account as an emergency ATM?
Are you feeling the financial squeeze and considering tapping into your retirement account to cover unexpected expenses? Ralph dives into the complexities of using retirement funds as an emergency ATM, exploring the potential pitfalls of penalties and taxes that could derail your financial future. He shares valuable insights and personal anecdotes, emphasizing the importance of having an emergency fund as a financial safety net. With a blend of humor and real-world advice, Ralph discusses various strategies, including borrowing from a 401(k), utilizing Roth IRA contributions, and considering hardship withdrawals. Tune in as he provides practical alternatives and highlights the delicate balance between addressing immediate financial needs and safeguarding your long-term wealth, answering the question, " How can I use my retirement account as an emergency ATM? Podcast Timestamps: 00:00 Episode Overview 01:03 Listener’s Question 03:03 Bible Verse - Ecclesiastes 11:2 04:04 Why Shouldn’t I Tap Into My Retirement? 05:18 What Are Some Alternatives Before You Tap Into Retirement Savings? 06:04 5 Key Ways to Use Your Retirement Account in an Emergency 10:50 Real Life Stories Of Clients Over The Years 12:42 Key Takeaways 14:55 Actions Steps to Take Right Now 17:15 Closing Takeaways: Using your retirement account early can have significant penalties and tax implications, so caution is essential. Building an emergency fund is crucial to avoid dipping into retirement savings during unexpected expenses. Consider options like borrowing from your 401(k) or using Roth IRA contributions for emergencies. Take stock of your financial situation before making any rash decisions about your retirement funds. Explore hardship withdrawals only for specific emergencies, as they still incur tax liabilities. Always consult a financial advisor to understand the best options available for your situation. Links referenced in this episode: https://www.askralphpodcast.com/emergency-withdrawals-from-401-k-plans-pros-and-cons/ Ask Ralph Show Live https:// askralphpodcast.com/live What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/ askralph.com <a href="https://www.askralphpodcast.com/"
S6 E302 · Mon, October 28, 2024
What are the top 5 things people do to stay wealthy?
Are you struggling to maintain your financial success while balancing your overall well-being? Today, Ralph dives into the top five key strategies that wealthy individuals use to not only grow their finances but also nurture their physical, mental, relational, and spiritual health. Through inspiring stories from clients like Tom, Lisa, John, Maria, and David, you’ll discover how a comprehensive budget, diversified investments, continuous learning, intentional generosity, and holistic health practices contribute to true wealth. Ralph emphasizes that financial success is just one piece of the puzzle; true wealth encompasses a harmonious balance across all areas of life. Join him as he shares practical advice, personal anecdotes, and the 5 things people do to stay wealthy to help you achieve a fulfilling and financially savvy life. https://www.askralphpodcast.com/to-stay-wealthy/ Podcast Timestamps: 00:00 Episode Overview 01:19 Listener’s Question 02:45 Bible Verse 03:38 5 Things People Do To Stay Wealthy #1 Maintain a Comprehensive Budget 05:37 #2 Diversify Investments And Regularly Assess Their Portfolio 07:45 #3 Prioritize Continuous Learning and Personal Development 09:51 #4 Practice Intentional Generosity 12:51 #5 Nurture Physical, Mental, and Spiritual Health 18:00 Holistic Approach to Wealth 20:33 Recap 21:10 Actionable Steps You Can Take Right Now 22:00 Call to Action 24:02 Closing Takeaways: Maintaining a comprehensive budget allows individuals to track their income and expenses effectively, leading to financial peace of mind. Diversifying investments across different assets helps mitigate risks and enhances overall financial security. Continuous learning and personal development are crucial for adapting to changing market conditions and maintaining wealth. Intentional generosity creates a sense of purpose and fulfillment, enhancing overall happiness and wealth perception. Nurturing physical, mental, and spiritual health is essential for true wealth beyond just financial success. Taking actionable steps, such as tracking expenses and dedicating time for personal growth, can lead to significant improvements in financial well-being. Links referenced in this episode: Ask Ralph Show Live https:// askralphpodcast.com/live What is your question that you would like to ask Ralph? Send Your Question here: https://j
S6 E301 · Sun, October 27, 2024
What are some ways I can develop spiritual grit?
Are you feeling spiritually drained, especially when faced with life's challenges? This podcast dives into the concept of developing spiritual grit, a crucial element that can transform not only your spiritual journey but also your financial life. Host Ralph shares personal experiences and practical steps to cultivate resilience in your faith, emphasizing the importance of consistent prayer, scripture immersion, community engagement, practicing gratitude, and taking faith-filled action. Through compelling listener stories, Ralph illustrates how embracing these five pillars can lead to breakthroughs and renewed strength in times of adversity. Join him as he encourages you to find joy in the journey, trust in God's plan even when the path seems uncertain, and discover practical ways you can develop spiritual grit. https://www.askralphpodcast.com/develop-spiritual-grit/ Podcast Timestamps: 00:00 Episode Overview 01:15 Listener’s Question: Gordon’s Struggles with Faith and Finances 02:30 Bible Verse: James 1:2-4 – Perseverance Through Trials 03:37 Ralph’s Personal Story of Financial Struggles 05:53 The 5 Pillars of Spiritual Grit 06:05 #1 Consistent Prayer 07:09 #2 Scripture Immersion 08:09 #3 Community Engagement 09:06 #4 Gratitude Practice 10:34 #5 Faith-Filled Action 14:46 Listeners’ Comments Who Have Gone Through Similar Situation 19:21 Key Takeaway 20:01 What Can I Do Today To Develop Spiritual Grit? 22:33 Prayer 23:50 Call to Action and Closing Takeaways: Developing spiritual grit requires consistent prayer and immersing yourself in scripture daily. Engaging with a supportive community can provide the encouragement needed during challenging times. Practicing gratitude shifts your focus from lack to abundance, transforming your perspective on life. Taking practical steps towards financial improvement is essential for achieving spiritual grit. Reflecting on past challenges helps to strengthen your faith for future adversities. Combining faith with action empowers you to navigate financial difficulties with resilience. Links referenced in this episode: https://askralph.com/ Ask Ralph Show Live https:// askralphpodcast.com/live What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.
S6 E300 · Sat, October 26, 2024
What do I do if the bank closed my account?
What should you do if your bank unexpectedly closes your account? This episode dives into the financial nightmare many face when locked out of their own money, leaving them unable to pay bills and access funds. Ralph addresses a listener's urgent plea for help, providing practical steps to navigate this crisis and prevent future account closures. From contacting the bank for clarity to understanding the implications for your credit, he covers essential actions to regain control. Additionally, he shares insights on maintaining financial stability and avoiding such situations in the future, all while infusing the conversation with a touch of humor and real-world experience. Tune in for valuable advice that can help you protect your finances and restore your peace of mind, especially if you're asking, " What do I do if the bank closed my account? https://www.askralphpodcast.com/bank-closed-my-account/ Podcast Timestamps: 00:00 Episode Overview 02:53 Listener’s Question: Hunter's Account Closure Experience 04:13 Bible Verse - Proverbs 2:6-8 06:20 Steps to Take If Your Bank Account Has Been Closed 09:10 How an Unusual Banking Issue Was Solved with the Right Approach 11:43 Five Tips To Help You Avoid Having Your Account Closed By A Financial Institution 14:43 Understanding Annuities and Retirement Risks 18:32 Preparing for Homeownership as a First-Time Buyer 23:17 Closing Takeaways: The podcast discusses the fear and frustration of having a bank account closed unexpectedly, emphasizing the importance of understanding the reasons behind such actions. Listeners are encouraged to take immediate steps if their account is closed, including contacting the bank and retrieving any remaining funds. Maintaining a positive balance in your bank account can prevent overdrafts and reduce the risk of account closure due to inactivity. Setting up alerts with your bank can help monitor your account and avoid unexpected financial issues. The host shares a personal story about unexpected expenses as a homeowner, highlighting the importance of financial preparedness and having reserves. For first-time home buyers, it is crucial to set aside funds for unexpected costs beyond just the down payment and closing costs. Links referenced in this episode: askralph.com https://www.chexsystems.com/ Ask Ralph Show Live https:// <a href="http://askralphpodcast.com/
S6 E299 · Fri, October 25, 2024
What are the top 9 reasons why small businesses fail?
Are you a small business owner feeling overwhelmed by the challenges that come with running your own venture? You're not alone—many entrepreneurs face struggles that can lead to failure. This podcast dives into the top nine reasons why small businesses fail, from lack of market research to burnout, and offers valuable insights on how to avoid these pitfalls. More importantly, it emphasizes how faith can be a guiding force in transforming your business from merely surviving to thriving. Join Ralph as he shares hard-earned wisdom and practical strategies to help you navigate the tumultuous waters of entrepreneurship while staying true to your values. Ready to discover the key reasons why small businesses fail —and how you can succeed where others don’t? Tune in now! https://www.askralphpodcast.com/reasons-small-businesses-fail/ Podcast Timestamps: 00:00 Episode Overview 01:15 Listener’s Question 02:50 Bible Verse: Philippians 4:13 04:46 What Are The 9 Reasons Small Businesses Fail? 04:57 #1 Lack of Market Research and Planning 07:03 #2 Poor Financial Management 09:16 #3 Ineffective Marketing 10:59 #4 Failure to Adapt 12:54 #5 Poor Leadership and Management 15:11 #6 Ignoring Customer Needs 17:02 #7 Rapid Expansion Without Proper Infrastructure 18:54 #8 Lack of Differentiation 20:24 #9 Burnout 22:48 Recap and Closing Takeaways: Small businesses often fail due to lack of market research; knowing your audience is crucial. Effective financial management is vital; track income and expenses daily to avoid disaster. Ignoring customer feedback can lead to losing clients; prioritize their needs for success. Rapid expansion without infrastructure can create chaos; grow your business at a sustainable pace. Poor leadership and management can drive employees away; develop your leadership skills to retain talent. Burnout is a major risk; maintain a work-life balance to protect your health. Links referenced in this episode: https://www.amazon.com/Complaint-Gift-Customer-Feedback-Strategic/dp/1576755827 What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/ https://askralph.com/ LISTEN NOW <a href="https://www.y
S6 E298 · Thu, October 24, 2024
Is it true that I can lose my passport if I don’t pay my taxes?
Are you worried about losing your passport due to unpaid taxes? This episode dives into the serious concern many face when financial obligations clash with their travel dreams. Host Ralph Estep Jr. addresses a listener's question about the IRS's power to revoke passports for tax delinquents, revealing that it’s indeed possible but not an automatic consequence. Through the story of a client named John, Ralph illustrates the importance of confronting tax issues head-on and offers practical advice for seeking resolution. Tune in to learn how to navigate these challenges while maintaining your spiritual and financial integrity, ensuring you can pursue your passions without fear. Is it true that I can lose my passport if I don’t pay my taxes? Find out in this episode! https://www.askralphpodcast.com/lose-my-passport / Podcast Timestamps: 00:00 Episode Overview 01:06 Listener’s Question: Can I Lose My Passport Over Unpaid Taxes? 02:13 Bible Verse: Romans 13:7 03:22 Real-Life Story: A Client’s Struggle with Tax Debt and Passport Worries 04:49 The Bigger Picture 06:15 Tailored Strategies for Ralph's Client 09:18 What Was the Conclusion? 10:00 What Can We Learn from John’s (Client) Story? 13:22 Recap and Closing Takeaways: If you owe over $55,000 in taxes, the IRS can revoke your passport, so be proactive. Ignoring tax notices can lead to serious consequences, including passport revocation and wage garnishments. Establish a payment plan with the IRS to avoid penalties and resolve your tax debts. Seeking professional help can simplify the process of dealing with the IRS effectively. Communicate openly with the IRS; they often want to work with you on tax payments. Your financial decisions reflect your faith; seek guidance to align them with your values. Links referenced in this episode: What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/ askralph.com LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW G
S6 E297 · Wed, October 23, 2024
How can I buy a house with no income?
Are you dreaming of homeownership but feeling trapped by your financial situation? Ralph explores the reality that it is possible to buy a house without a steady income while also highlighting the critical pitfalls to avoid. He shares a cautionary tale about a client named John, whose decision to liquidate his 401K to purchase a home led to an $80,000 tax nightmare. With over 30 years of experience, Ralph provides insightful options for those like Debbie who are struggling to secure a new home after losing their job. This episode offers valuable wisdom on financial decision-making, emphasizing the importance of seeking professional guidance to navigate the complexities of home buying and answering the common question: How can I buy a house with no income? https://www.askralphpodcast.com/buy-a-house/ Podcast Timestamps: 00:00 Episode Overview 01:15 Listener’s Question: How Can I Buy a House Without an Income? 03:18 Bible Verse: Proverbs 24:3-4 04:00 Real-Life Story: John’s 401(k) Cash Out and $80,000 Tax Bill 09:22 Options to Buy a House With No Income 15:14 Recap and Closing 15:40 Preview for Tomorrow’s Show Takeaways: Homeownership is possible even with no income, but it requires careful planning. Avoid withdrawing from your 401K for a home purchase without professional guidance. Consider using savings or inherited assets to qualify for a mortgage instead. Rent-to-own agreements can provide a pathway to homeownership while you stabilize finances. Getting a co-signer can help you qualify for a mortgage if you're unemployed. Seek professional advice to avoid costly mistakes that could lead to financial disaster. Links referenced in this episode: https://www.askralphpodcast.com/exploration-of-gift-taxes/ https://www.askralphpodcast.com/cosign-for-a-loan/ https://www.consumerfinance.gov/ask-cfpb/can-i-use-a-reverse-mortgage-loan-to-buy-a-home-en-238/ https://www.askralphpodcast.com/deciphering-reverse-mortgages/ What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/ <li
S6 E296 · Tue, October 22, 2024
What is meant by surveillance pricing and does it cost us more?
Surveillance pricing is a creeping reality in today's digital economy, impacting how much you pay for everyday products. As Ralph explores the unsettling practice of dynamic, personalized pricing, he reveals how companies use your online behavior and data to determine what price to charge you. This can lead to significant disparities in pricing for the same products, leaving consumers feeling manipulated and distrustful. Ralph provides insights on how to protect your finances from these tactics, emphasizing the importance of awareness and strategic online behavior. Additionally, he delves into the ethical implications of such practices from a Christian perspective, urging listeners to remain vigilant and maintain integrity in their financial dealings, while addressing the question: What is meant by surveillance pricing, and does it cost us more? https://www.askralphpodcast.com/meant-by-surveillance-pricing/ Podcast Timestamps: 00:00 Episode Overview 01:58 Listener’s Question: How Does Surveillance Pricing Affect Me? 03:19 Bible Verse: Proverbs 11:1 03:58 What Is Surveillance Pricing? 05:53 Ralph’s Personal Experience with Surveillance Pricing 07:06 Why Businesses Use Surveillance Pricing 09:21 What Are Customer Advocates Saying? 12:03 How Do We Navigate This As A Christian? 14:46 Real-Life Client Experiences with Dynamic Surveillance Pricing 17:03 Recap and Call to Action Takeaways: Surveillance pricing is a modern tactic that varies product prices based on user data. Understanding how dynamic pricing works can help consumers save money while shopping online. Being aware of surveillance pricing practices can empower consumers to make informed purchasing decisions. Using incognito browsing or VPNs can mask your online behavior and potentially lower prices. Comparison shopping across different devices can reveal significant price discrepancies for the same items. Recognizing the ethical implications of surveillance pricing aligns with Christian values of fairness and honesty. Links referenced in this episode: https://www.bookinglayer.com/article/best-online-travel-agencies https://www.askralphpodcast.com/need-a-VPN/ https://www.askralphpodcast.com/staying-safe-online/ What is your question that you would like to ask Ralph? Send Your Questi
S6 E295 · Mon, October 21, 2024
What happens if I outlive my life insurance?
Worried about outliving your life insurance? You're not alone, as many people share the same concern about financial security for their loved ones after their policy expires. Ralph Estep Jr. addresses these worries head-on by exploring what happens when a life insurance policy runs out and offers practical strategies to ensure your family's financial future. He shares personal insights from his own experience with term life insurance and emphasizes the importance of reviewing your current policy and assessing your financial needs as circumstances change. With a focus on aligning financial decisions with faith, Ralph guides listeners through options for extending coverage, exploring alternative protection methods, and maintaining peace of mind even after a policy expires. Get answers to the pressing question, "What happens if I outlive my life insurance?" https://www.askralphpodcast.com/outlive-my-life-insurance/ Podcast Timestamps: 00:00 Introduction to Life Insurance Concerns 00:14 Understanding Policy Expiration 00:48 Mitch's Listener Question 02:28 Bible Verse: Jeremiah 29:11 03:41 Real Life Story of a Client 06:12 Exploring Options Post-Policy 06:34 Steps To Prepare For A Change In Life Insurance 07:47 Assessing Financial Needs 11:18 Navigating Insurance Decisions 15:55 Recap and Closing Takeaways: Outliving a life insurance policy can raise concerns about financial security for loved ones. Exploring options like converting term policies to permanent ones can be beneficial. Assessing changing financial needs over time is crucial for determining life insurance necessity. Combining life insurance with long-term care can provide additional financial protection. Establishing a dedicated savings account can help manage future insurance costs effectively. Life insurance premiums may increase with age and health changes, impacting affordability. Links referenced in this episode: https://www.askralphpodcast.com/life-insurance-needs/ What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/ askralph.com LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDE
S6 E294 · Sun, October 20, 2024
How can I use faith to rebuild my daily motivation?
Are you feeling stuck in your financial journey and struggling to find motivation? Ralph shares his personal story of how faith can reignite that spark and drive you toward achieving your goals. He addresses a heartfelt listener message from Alison, a small business owner torn between her entrepreneurial ambitions and spiritual growth. Through relatable anecdotes and biblical encouragement, Ralph illustrates the transformative power of integrating faith into daily financial decisions. Join him as he provides actionable steps to help you rebuild your motivation and align your financial practices with your values, all while highlighting uplifting listener stories that showcase the impact of faith on financial well-being—and how you, too, can use faith to rebuild daily motivation. https://www.askralphpodcast.com/rebuild-my-daily-motivation/ Podcast Timestamps: 00:00 Episode Overview 01:01 Listener's Question: How Can I Rebuild My Motivation Through Faith? 02:32 Bible Verse: Philippians 4:13 – Strength Through Christ 03:07 Real-Life Story: Ralph's Journey of Faith and Motivation 04:40 Integrating Faith into Financial Life 05:26 Messages from Listeners and Viewers of the Show 09:27 Action Steps for Using Your Faith to Rebuild Daily Motivation 12:56 Closing Prayer Takeaways: Integrating faith into your financial journey can provide a unique source of motivation. Starting a gratitude journal can help you recognize and appreciate small financial blessings. Finding an accountability partner can significantly enhance your financial discipline and motivation. Understanding that budgeting is an act of worship can change your perspective on finances. Daily prayer about your finances can lead to increased financial discipline and faith. Balancing your entrepreneurial ambitions with spiritual growth is crucial for success. Links referenced in this episode: What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/ askralph.com LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) <a href="https://askralph-shop.fourthwall.com/?source=dashboar
S6 E293 · Sat, October 19, 2024
What are the 7 insurance options to consider to protect your retirement – a discussion all about supplemental insurance?
Are you worried about unexpected medical bills that Medicare might not cover? Ralph Estep Jr. dives into the world of Medicare supplemental insurance, explaining how these policies can protect your hard-earned savings from potentially overwhelming healthcare costs. With real-life stories, he illustrates the stark difference between those who opted for supplemental coverage and those who faced financial strain without it. Ralph emphasizes the importance of careful planning and understanding the gaps in original Medicare coverage, as well as the value of enrolling in a Medigap policy during your open enrollment period. Join him as he shares essential tips and insights to help you navigate these crucial decisions with confidence, peace of mind, and protect your retirement. https://www.askralphpodcast.com/protect-your-retirement/ Podcast Timestamps: 00:00 Episode Overview 01:40 Listener’s Question 02:48 Bible Verse: Proverbs 21:5 04:32 Real-Life Story of Ralph’s Clients 06:20 Medicare Supplement Policies Coverage 07:21 How Much Do Medicare Supplement Policies Cost? 09:45 Action Steps for Choosing Insurance 11:15 The Key Takeaway 12:03 Recap and Closing Takeaways: Medicare supplemental insurance can protect your savings from unexpected medical expenses. Understanding the gaps in Medicare coverage is crucial for making informed insurance decisions. Real-life stories illustrate the importance of having supplemental insurance during health crises. Navigating Medicare decisions can be overwhelming, but proper planning is essential for financial security. It's vital to assess your health needs and budget before choosing a Medigap plan. Enrollment in a Medigap policy should ideally occur during your open enrollment period for maximum benefits. Links referenced in this episode: https://www.medicare.gov/basics/costs/medicare-costs What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/ askralph.com LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMB
Sat, October 19, 2024
BONUS EPISODE - ASK RALPH SHOW LIVE FROM OCTOBER 15, 2024
Join 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 benefits, and the tax obligations of hobbyist sellers. With a blend of humor and valuable insights, this episode of Ask Ralph Show - live from October 15 is a must-listen for anyone seeking clarity in their financial decisions. https://www.askralphpodcast.com/LIVE-FROM-OCTOBER-15/ Podcast Timestamps: 00:02 Welcome to the Ask Ralph Podcast 01:29 Supporting Alzheimer's Walk 02:08 End of Tax Season Discussion 04:41 How Long to Keep Records? 07:52 Converting Property to a Rental 13:29 Estimated Tax Payments Explained 16:13 Tax Scams and How to Avoid Them 21:46 When to Start Taking Social Security 28:11 Impact of Inflation on Savings 31:05 Tax Implications of Hobbies and Selling Goods 38:23 Claiming Children as Dependents 42:12 Closing Thoughts and Encouragement Takeaways: Ralph emphasizes the importance of keeping personal and business records for up to seven years. When converting property to a rental, check local legal requirements and permits first. It's crucial to understand the tax implications of rental properties before making decisions. Taking Social Security benefits early significantly reduces monthly payouts for the rest of your life. Estimated tax payments are essential to avoid penalties when filing your annual tax return. Starting a business for your hobby can provide tax advantages and protect personal assets from liability. Links referenced in this episode: What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/ askralphpodcast.com askralphpodcast.com/alz Companies mentioned in this episode: Samaritan's Purse <a hre
S6 E292 · Fri, October 18, 2024
How much money do I need to have saved to cover health care costs in retirement?
Are you worried about the staggering healthcare costs in retirement? Ralph dives into the critical question of how much money you really need to save for medical expenses as you age, highlighting that the average couple retiring in 2023 should expect to spend around $315,000 on healthcare. With many retirees facing financial ruin due to unexpected medical bills, Ralph shares eye-opening stories and practical advice to help you avoid such pitfalls. He emphasizes the importance of planning ahead, using real-life examples of clients who either flourished or floundered based on their healthcare strategies. Tune in for actionable steps you can take now to secure your financial future and ensure peace of mind in your golden years. Healthcare costs in retirement are not something you want to leave to chance. https://www.askralphpodcast.com/health-care-costs-in-retirement/ Podcast Timestamps: 00:00 Episode Overview 01:57 Listener’s Question: Maggie’s Concerns About Healthcare Costs 02:50 Bible Verse: Ecclesiastes 11:2 – Planning for Future Costs 03:40 Real-Life Story: John’s Financial Struggle with Medical Expenses 07:33 Breaking Down the $315,000 Health Care Cost in Retirement 08:32 Key Factors to Consider for Healthcare Costs in Retirement 11:48 Real-Life Story: Tom & Linda - Comprehensive Healthcare Plan in Retirement 15:12 Practical Steps to Prepare for Health Care Costs in Retirement 19:07 Recap and Closing Takeaways: Healthcare costs in retirement can average around $315,000 for a 65-year-old couple, which is a significant amount. Planning ahead is crucial to avoid financial disaster due to unexpected medical expenses later in life. Using Health Savings Accounts (HSAs) can provide tax-free savings for healthcare costs, making them a smart tool for retirement planning. Medicare does not cover all healthcare expenses, including long-term care and many services, leading to potential financial gaps. Understanding your family health history and managing your health can significantly impact retirement healthcare costs. Working with a financial advisor can help create a personalized plan to prepare for healthcare expenses in retirement. Links referenced in this episode: https://www.askralphpodcast.com/health-savings-accounts/ https://www.askralphpodcast.com/peace-of-mind/ ALZ Walk - https://nclv
S6 E291 · Thu, October 17, 2024
What is the rule of 55 and how can I use it to reduce my taxes?
Are you feeling trapped in your job and dreaming of an early retirement? The rule of 55 might just be your ticket to accessing your 401(k) funds without penalties before reaching 59 and a half. Ralph dives deep into this little-known strategy that can potentially save you thousands in taxes and help you achieve financial freedom sooner than you thought possible. He shares real-life success stories, like that of his client Barry, who was able to retire a year early and start a new consulting business thanks to the rule of 55. Tune in as Ralph explains the ins and outs of this rule, including how to implement it and the important considerations to keep in mind for a smooth transition into retirement, and how you can use the rule of 55 to reduce your taxes. https://www.askralphpodcast.com/rule-of-55/ Podcast Timestamps: 00:00 Episode Overview 01:52 Listener’s Question: Tammy's Concerns About Early Retirement 02:52 Bible Verse: Ecclesiastes 3:1-2 – Timing and Planning 03:59 Real-Life Story: Barry's Early Retirement Success with the Rule of 55 04:25 What is the Rule of 55? 05:20 How to Implement the Rule of 55 #1 Verify Your Age 05:31 #2 Check Your Plan 05:53 #3 Consolidate Accounts 06:20 #4 Plan Your Exit 06:37 #5 Budget Carefully 07:01 #6 Consider Tax Implications 07:39 Pros and Cons of Using the Rule of 55 10:01 Recap 13:12 Actionable Steps You Can Take Based on the Discussion Takeaways: The rule of 55 allows individuals to access their 401K funds without penalties if they leave their job during or after the year they turn 55. Before utilizing the rule of 55, it's essential to confirm whether your employer's 401K plan permits early withdrawals; not all plans do. While the rule of 55 provides earlier access to retirement funds, withdrawals are still subject to income tax, so plan accordingly. Creating a sustainable withdrawal strategy is crucial to ensure your retirement savings last throughout your retirement years. Consulting with a financial advisor can help you navigate the complexities of early retirement and the rule of 55. Preparing a detailed exit strategy is necessary to effectively implement the rule of 55 and transition into retirement smoothly. Links referenced in this episode: https://www.irs.gov/taxtopics/tc558 https://www.bankrate.com/retirement/rule-of-55/ ALZ Walk - https://nclvm.com/
S6 E290 · Wed, October 16, 2024
Should I purchase special medical insurance when I travel abroad?
Are you planning a trip abroad and wondering if travel medical insurance is really necessary? In this podcast, we explore the crucial importance of purchasing specialized medical insurance for international travel, especially in light of the financial risks posed by unexpected medical emergencies. Ralph shares personal stories, including a frightening experience when his mother-in-law had an accident in France, which could have led to tens of thousands of dollars in medical bills without proper coverage. The discussion emphasizes the need to be prepared for the unexpected and the peace of mind that comes from having the right insurance. Tune in as Ralph outlines key reasons to secure travel medical insurance, from the high cost of medical care abroad to the potential need for emergency evacuations. You'll come away informed and ready to answer the question: Should I purchase special medical insurance when I travel abroad? https://www.askralphpodcast.com/when-I-travel-abroad/ Podcast Timestamps: 00:00 Episode Overview 02:07 Listener’s Question: Concerns About Medical Costs While Traveling Abroad 03:04 Bible Verse: Proverbs 22:3 04:19 Real-Life Story: Ralph’s Mother-in-Law’s Medical Emergency in France 07:02 Why You Should Consider Special Medical Insurance #1 Limited Coverage 07:28 #2 High Costs 08:05 #3 Medicare Considerations 08:28 #4 Emergency Evacuation 09:09 #5 Peace of Mind 09:28 Travel Medical Insurance Considerations 11:41 Recap and Closing Takeaways: Traveling abroad without adequate medical insurance can lead to devastating financial consequences. Purchasing travel medical insurance provides peace of mind while exploring foreign countries. Unexpected medical emergencies can occur while traveling, making insurance a wise investment. Most domestic health insurance plans, including Medicare, offer limited coverage outside the United States. Travel medical insurance can cover emergency evacuations that could cost tens of thousands of dollars. It's essential to consider the specific coverage details, especially for adventure activities. Links referenced in this episode: ALZ Walk - https://nclvm.com/2yziv Best Travel Insurance Companies 2024 - https://www.forbes.com/advisor/l/best-travel-insurance/?utm_source=google&utm_medium=cpc&utm_campaign=20805316221&accoun]d=17033 What question would you like to ask Ral
S6 E289 · Tue, October 15, 2024
What are some of the best online deals banks offer for opening a new account?
Are you feeling undervalued by your current bank? This episode dives into the world of online banking, highlighting the incredible perks and bonuses that could significantly boost your financial situation. Ralph Estep Jr. shares valuable insights on how making the switch to an online bank could lead to higher interest rates, substantial sign-up bonuses, and a range of convenient features that traditional banks can't offer. He addresses common concerns about online banking security and the personal touch, reassuring listeners that modern online banks provide robust customer support and advanced security measures. Join Ralph as he answers a listener's question and empowers you to take control of your finances and explore the best online deals banks offer for opening a new account . https://www.askralphpodcast.com/online-deals-banks-offer/ Podcast Timestamps: 00:00 Episode Overview 01:44 Listener’s Question: Trey’s Concerns About Online Banking 02:30 Bible Verse: Proverbs 27:23-24 04:19 Real-Life Story: Tom’s Experience Switching to an Online Bank 05:43 Sign-Up Bonuses of Opening a New Checking Account 05:58 Real-Life Story: Harry’s Experience Opening a New Checking Account with Sign-Up Bonuses 06:42 Customer Service and Security Concerns of Online Banking 07:15 Real-Life Story: Mike’s Experience With Online Banking Security 07:54 Article from NerdWallet About Best Banks and Credit Unions 07:59 Perks of Online Banking 09:06 Real Life Story: Lisa’s Experience on Switching to an Online Bank that Offers All These Perks 10:00 Banks and Credit Unions Currently Offering Great Perks 11:19 Recap and Conclusion Takeaways: Many online banks offer substantial bonuses for opening new accounts, which can add extra cash to your finances. Switching to an online bank can lead to higher interest rates on savings than traditional banks. Security concerns about online banking are mitigated by advanced technology and customer support options. No monthly maintenance fees and no minimum balance requirements are common perks of online banking. Budgeting tools included in banking apps can significantly help you manage your finances more effectively. High-yield savings accounts could allow your money to grow faster than with traditional banks. Links referenced in this episode: ALZ Walk - https://nclvm.com/2yziv https://www.askralphpodcast.com/bank-bonus-game/ <a href="https://www.n
S6 E288 · Mon, October 14, 2024
What are the 5 most common places retirees spend their money in retirement?
Retirement can bring unexpected financial surprises, and understanding where your money is likely to go is crucial for enjoying your golden years. This episode uncovers the five most common areas where retirees tend to spend their money: healthcare, housing, travel, family support, and food and entertainment. Through real-life stories from clients, host Ralph Estep Jr. highlights how many retirees, like Tom and Linda, face hidden costs they hadn’t planned for, from medical expenses to home maintenance. Additionally, he emphasizes the importance of budgeting and having open conversations with family about financial expectations. Join us as we explore these critical insights and equip you with actionable strategies to navigate your retirement finances effectively, as we answer the key question: What are the most common places retirees spend their money in retirement? https://www.askralphpodcast.com/money-in-retirement/ Podcast Timestamps: 00:00 Episode Overview 02:03 Listener’s Question: Betty’s Concerns About Retirement Spending 02:58 Bible Verse: Matthew 6:34 – Trusting God with Your Financial Future 03:51 The 5 Most Common Places Retirees Spend Their Money in Retirement 04:02 #1 Healthcare Costs 05:11 #2 Housing and Maintenance 06:35 #3 Travel and Leisure Expenses 08:01 #4 Family Support 09:20 #5 Food and Entertainment 10:37 Actionable Steps to Prepare for Retirement Spending 10:48 #1 Create a Detailed Retirement Budget 11:15 #2 Consider Long-Term Care Insurance 11:35 #3 Look into Downsizing or Relocating to Reduce Housing Costs 12:13 #4 Plan for Travel and Leisure Wisely 12:25 #5 Have Open Conversations with Family Members 12:40 #6 Consider Part-Time Work or Consulting 12:53 #7 Comprehensive Cost Analysis 14:14 Recap and Conclusion Takeaways: Retirees often spend more on healthcare than expected, making it crucial to budget accordingly. Housing costs, including maintenance and property taxes, can significantly impact retirement finances. Travel and leisure can quickly consume retirement savings, necessitating strategic planning for expenditures. Financial support for adult children can unexpectedly strain a retiree's budget, requiring open discussions. Dining out and entertainment often increase in retirement, leading to higher monthly expenses than anticipated. Creating a detailed retirement budget is essential for managing finances and avoiding financial stress. Links referenced in this episode: What is your question that you would like to ask Ralph? Send Your Question here: <a href="https://justaskralph.com/" rel="noopener noreferrer" targe
S6 E287 · Sun, October 13, 2024
How do I effectively embrace God's gift of rest?
Are you feeling overwhelmed and struggling to find peace in your hectic life? Today, Ralph addresses the vital question of how to effectively embrace God's gift of rest. He shares personal insights and practical steps to help listeners find balance between their work, faith, and personal lives without burning out. Ralph emphasizes that rest is not just a luxury but a necessity for our well-being, highlighting how intentional rest can actually increase productivity and deepen our connection with God. Tune in as he offers encouragement and guidance for anyone feeling exhausted and disconnected, reminding us all that we must prioritize rest to realign our lives with God's purpose. So, how do I effectively embrace God's gift of rest? Find out in this episode! https://www.askralphpodcast.com/gift-of-rest/ Podcast Timestamps: 00:00 Episode Overview 00:51 Listener’s Question: Gina’s Struggles with Work-Life Balance 02:02 Bible Verse: Matthew 11:28-30 – Finding Rest in Christ 02:52 Real-Life Story: Ralph’s Journey from Burnout to Peace 04:50 Practical Steps to Embrace God’s Gift of Rest #1 Start Small by Setting Aside Time for Reflection 05:05 #2 Establish a Weekly Sabbath 05:23 #3 Redefine Productivity Through God's Lens 05:38 #4 Create Boundaries Between Work and Rest 05:57 #5 Practice Mindfulness and Be Present with God 06:11 #6 Embrace Nature 08:44 Pray Together 09:28 Recap and Conclusion Takeaways: Embracing God's gift of rest is essential for spiritual and emotional well-being. Taking intentional breaks can lead to increased productivity and deeper connection with God. Setting boundaries around work hours can help maintain balance in a hectic life. Practicing mindfulness allows us to be fully present and appreciate each moment we have. Establishing a Sabbath day is a way to honor God and recharge our spirits. Connecting with nature can provide a peaceful retreat and enhance our sense of renewal. Links referenced in this episode: What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/ askralph.com LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON R
S6 E286 · Sat, October 12, 2024
What are the differences between a revocable and irrevocable trust?
Are you worried about what will happen to your hard-earned assets after you're gone? Understanding the differences between a revocable and irrevocable trust is crucial for protecting your legacy and ensuring your wishes are fulfilled. Ralph Estep Jr. dives deep into the nuances of these two types of trusts, emphasizing how a revocable trust offers flexibility and control over your assets during your lifetime, while an irrevocable trust can provide significant tax benefits but at the cost of relinquishing ownership. With real-life examples, including a story about a client named Dave, Ralph illustrates the importance of planning for the future and adapting to life’s unpredictable changes. Tune in for valuable insights that break down the differences between a revocable and irrevocable trust , helping you make informed decisions about your financial future and peace of mind. https://www.askralphpodcast.com/revocable-and-irrevocable-trust/ Podcast Timestamps: 00:00 Episode Overview 00:54 Listener’s Question: Brittany’s Concerns About Estate Planning 02:32 Bible Verse: Proverbs 13:22 – A Good Steward Leaves an Inheritance 03:50 Real-Life Story: Dave’s Decision to Set Up a Revocable Trust 05:00 Revocable Trust: Flexibility and Control 05:30 Modifying or Dissolving the Trust 06:10 Maintaining Control of Assets 06:50 Irrevocable Trust: Permanent but Offers Tax Benefits 07:30 Reducing Estate Taxes with an Irrevocable Trust 08:00 Asset Protection Against Creditors 10:40 Key Takeaways #1 Why Revocable Trust is Likely Your Best Bet 10:59 #2 Why Irrevocable Trust Might Be Worth Considering 11:16 #3 Trusts are Complex Legal Tools 11:26 #4 Consider Your Current Circumstances but Think About Potential Future Changes in Life 11:48 #5 Don’t Let Fear Paralyze You 12:17 Recap and Closing Takeaways: Understanding the difference between revocable and irrevocable trusts is crucial for protecting your legacy. A revocable trust allows you to maintain control over your assets during your lifetime. Irrevocable trusts can offer significant tax benefits but require relinquishing control over the assets. Consult with a qualified attorney before making any decisions about trusts to ensure proper understanding. Flexibility is a major advantage of revocable trusts, allowing for easy adjustments as life changes. Don't let fear of making the wrong decision prevent you from taking action on your estate planning. Links referenced in this episode: ALZ WALK - https://nclvm.com/2yziv <a href="https://
S6 E285 · Fri, October 11, 2024
What are 9 signs that show that I am financially secure?
Are you truly financially secure, or do you lie awake at night wondering if your savings can handle unexpected expenses? In this episode, Ralph explores what financial security really means, emphasizing that it’s not just about the numbers in your bank account. From building a solid emergency fund to creating multiple income streams, these factors indicate how well-prepared you are for life’s financial surprises. Ralph also highlights the importance of contentment and aligning your resources with your values for true peace of mind. Join him as he walks you through practical steps to assess your financial health, including 9 signs that show that I am financially secure , so you can cultivate a lasting sense of stability that goes beyond just accumulating wealth. https://www.askralphpodcast.com/I-am-financially-secure/ Podcast Timestamps: 00:00 Episode Overview 01:17 Listener’s Question: Carlos’ Worries About Financial Insecurity 03:13 Bible Verse: Philippians 4:11-13 – Contentment and Financial Security 04:15 Real-Life Story: Tom’s Journey from Financial Success to Feeling Insecure 05:36 The 9 Signs of Financial Security 05:57 #1 Having a Robust Emergency Fund 06:20 #2 Consistently Saving for Retirement 06:56 #3 Keeping Debt Under Control 07:25 #4 Adequate Insurance Coverage 08:06 #5 Living Below Your Means 08:32 #6 Multiple Income Streams 09:16 #7 Positive Net Worth 10:18 #8 Ability to Handle Financial Setbacks 11:50 #9 Generous Giving 18:20 Action Steps to Achieve Financial Security 18:28 #1 Create Your Own Personal Financial Statement 18:50 #2 Review Your Spending Habits 19:04 #3 Set Specific, Measurable Financial Goals 19:46 #4 Create Multiple Income Streams 20:21 #5 Make a Plan for Generous Giving 20:50 #6 Educate Yourself About Personal Finance 21:09 #7 Consider Working with a Financial Advisor 21:26 Conclusion Takeaways: Financial security encompasses more than just numbers; it's about peace of mind and confidence. A robust emergency fund can alleviate financial anxiety and prepare you for unexpected expenses. Living below your means allows for savings, giving, and ultimately, financial peace. True financial security involves having a holistic understanding of your financial situation. Contentment is a crucial component of financial security, surpassing mere financial success. Creating a personal financial statement gives you a clear snapshot of your financial health. Links referenced in this episode: ALZ Walk - https
S6 E284 · Thu, October 10, 2024
Why states with no income tax aren’t as affordable as they may seem?
Are you considering a move to a no-income-tax state, dreaming it will solve all your financial problems? This episode reveals why these states might not be the financial paradise you envision. Host Ralph Estep Jr. shares the cautionary tale of his client Jim, who moved to Tennessee only to be overwhelmed by hidden costs, such as high sales and property taxes, that negated his expected savings. The discussion dives into the complexities of tax structures, emphasizing the importance of a comprehensive cost analysis beyond just income tax savings. Tune in as Ralph provides actionable advice for anyone contemplating a major move, ensuring you're well-informed and prepared for the financial realities ahead when looking at a state with no income taxes. https://www.askralphpodcast.com/state-with-no-income-taxes/ Podcast Timestamps: 00:00 Episode Overview 02:17 Listener’s Question: Dana’s Worries About Moving to Florida 03:20 Bible Verse: Proverbs 14:15 – Be Prudent in Financial Decisions 04:11 Real-Life Story: Jim’s Move to Tennessee and Unexpected Costs 05:54 Hidden Costs of Living in No-Income-Tax States 08:30 #1 High Sales Taxes 08:44 #2 Property Taxes That Offset Savings 09:00 #3 Business and Other Hidden Taxes 09:13 #4 Increased Cost of Living in Desired Areas 09:45 Actionable Steps to Evaluate Moving to a No-Income-Tax State 09:57 #1 Do a Comprehensive Cost Analysis 10:20 #2 Consider Your Lifestyle and Spending Habits 10:36 #3 Think Long-Term and How Costs Could Change 10:54 #4 Consult a Tax Professional for Full Guidance 11:08 #5 Visit Before You Move 11:41 Recap and Conclusion Takeaways: No income tax states often compensate with higher sales taxes and property taxes, impacting overall affordability. Jim's experience highlights the hidden costs of living in no income tax states that many overlook. A comprehensive cost analysis is essential before moving to a no income tax state. Consider your personal spending habits, as they significantly affect your overall tax burden. Consulting a financial professional can help you understand the broader financial picture before relocating. Visiting and spending time in a potential new state can provide valuable insights into living costs. Links referenced in this episode: What is your question that you would like to ask Ralph? Send Your Question here: justaskralph.com askralph.com Website Mentioned: Team page for the
S6 E283 · Wed, October 09, 2024
How do I handle lending money to friends and family and what are the tax issues related to making those loans?
Navigating the tricky waters of lending money to friends and family can be fraught with emotional and financial risks. Ralph dives deep into this topic, emphasizing that it might often be wiser to consider such transactions as gifts rather than loans to preserve relationships. He shares a cautionary tale about Stephanie, who lent her brother money to help his business, only to face late payments, strained relations, and ultimately, a courtroom battle that tore their family apart. As Ralph unpacks the complexities of these lending scenarios, he highlights the importance of clear agreements, understanding tax implications, and prioritizing relationships over money. Throughout the discussion, Ralph addresses the key question: " How do I handle lending money to friends and family and what are the tax issues related to making those loans?"—offering practical, thoughtful advice on how to approach these delicate situations with grace and financial wisdom. https://www.askralphpodcast.com/lending-money-to-friends/ Podcast Timestamps: 00:00 Episode Overview 01:00 Listener’s Question: Alex’s Dilemma About Lending $10,000 to His Sister 02:25 Bible Verse: Proverbs 22:7 03:30 Real-Life Story: Stephanie’s Broken Relationship After Lending to Her Brother 08:04 What to Consider Before Lending to Friends or Family #1 Put Everything in Writing 08:35 #2 Charge Interest 09:03 #3 Keep Good Records 09:37 #4 Consider Collateral 09:56 #5 Be Prepared to Report the Interest 10:30 Recap and Closing Takeaways: Lending money to family can strain relationships; consider giving without expectation of repayment. It's crucial to formalize any loan agreement to protect your financial interests. Understanding the tax implications of loans and gifts is essential for financial planning. Always approach lending to friends and family with a mindset of potential loss. Consider the emotional impact of lending; relationships are often more valuable than money. Maintain clear records of all transactions to avoid misunderstandings and legal disputes. Links referenced in this episode: https://www.askralphpodcast.com/exploration-of-gift-taxes/ What is your question that you would like to ask Ralph? Send Your Question here: justaskralph.com askralph.com <a href="https://www.askralphpodcast.com/" rel="noopener noreferrer" target
S6 E282 · Tue, October 08, 2024
What are 7 ways my bank can help me stick to my budget?
Are you struggling to keep your spending in check and feeling overwhelmed by your finances? You're not alone. Today, Ralph shares seven powerful ways your bank can help you stick to your budget and regain control of your financial life. From utilizing budgeting tools and spending analysis to setting up alerts and automating savings, these strategies are designed to empower you to make informed decisions about your money. Ralph also tells the inspiring story of his client, Henry, who turned his financial situation around using online banking tools, proving that with the right resources, you too can break free from the paycheck-to-paycheck cycle. Join Ralph as he equips you with practical tools and wisdom to take charge of your finances and shows you how to use “7 ways my bank can help me stick to my budget” to achieve your financial goals. https://www.askralphpodcast.com/stick-to-my-budget/ Podcast Timestamps: 00:00 Episode Overview 00:58 Listener’s Question: Keith’s Struggles with Sticking to a Budget 02:20 Bible Verse: Proverbs 27:23-24 – Managing Resources Wisely 03:08 Real-Life Story: Henry’s Financial Turnaround Using His Bank’s Tools 04:01 The 7 Ways Your Bank Can Help You Stick to Your Budget #1 Budgeting Tools to Set Spending Limits 04:46 #2 Spending Analysis for Tracking Expenses 05:41 #3 Account Alerts for Balance and Bill Reminders 06:26 #4 Automatic Savings Transfers to Build an Emergency Fund 07:17 #5 Bill Pay Services to Avoid Late Fees 08:24 #6 Mobile Check Deposits for Convenience 09:16 #7 Fraud Alerts to Protect Against Unauthorized Transactions 11:58 Recap and Conclusion Takeaways: Your bank's budgeting tools can provide a clear picture of where your money is going each month. Setting up alerts for account balances and bill due dates can prevent costly overdraft fees. Automating your savings can help build an emergency fund and achieve financial goals effortlessly. Analyzing your spending habits regularly allows you to make informed decisions about your finances. Using online bill pay services can save you time and help avoid late payment fees. Implementing fraud alerts is essential to protect your finances from unauthorized transactions. Links referenced in this episode: What is your question that you would like to ask Ralph? Send Your Question here: justaskralph.com askralph.com <a href="https://www.askralphpodcast.com/" rel="noopener noreferrer" target="_bla
S6 E281 · Mon, October 07, 2024
What do experts say about how much is the maximum amount to deposit to a CD?
Are you feeling anxious about your savings and the stock market? Today, Ralph Estep Jr. dives into the world of Certificates of Deposits (CDs) and explores how they can be a powerful tool for maximizing your savings while minimizing risk. Learn about the benefits of using CDs as an investment vehicle, including creating a CD ladder for balanced performance. You'll also hear a compelling personal story about a client who has successfully grown his wealth through a strategic approach to CDs. Join us as we answer the question: How can CDs help you achieve financial stability and peace of mind? And what do experts say about how much is the maximum amount to deposit into a CD? Find out as we provide insights that can help you make smart, risk-averse investment choices for your future. https://www.askralphpodcast.com/maximum-amount-to-deposit/ Podcast Show notes: 00:00 Episode Overview 01:22 Listener’s Question: John’s Concern About CD Investments 02:20 Bible Verse: Proverbs 21:5 03:30 Real-Life Story: Tom’s CD Strategy and How It Paid Off 07:30 Actionable Steps to Maximize CD Investments #1 Start Small - Deposit as Low as $500 or $1,000 07:44 #2 Create a Ladder. 08:26 #3 Stay Within FDIC Limits 08:50 #4 Reinvest Regularly 09:36 #5 Keep Some Money Liquid 11:27 Conclusion Takeaways: Certificates of deposits (CDs) can be a secure and reliable investment option for savings. A CD ladder strategy allows you to leverage higher interest rates over time. Staying within the FDIC insurance limit of $250,000 per bank per depositor is essential. Reinvesting your principal and interest from maturing CDs can lead to compound growth. Maintaining a portion of your savings liquid is crucial for emergencies. Understanding inflation is essential when considering CDs as part of your financial strategy. Links referenced in this episode: What is your question that you would like to ask Ralph? Send Your Question here: justaskralph.com askralph.com LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) <a href="https://askralph-shop.fourthwall.com/?source=dashboard" rel="noopener noreferrer" target="
S6 E280 · Sun, October 06, 2024
How do I learn to effectively apologize?
Apologizing effectively is a crucial skill that can save relationships, enhance partnerships, and promote personal growth. In this episode, Ralph dives into the art of making a meaningful apology, emphasizing that simply saying "I'm sorry" often falls short. He shares his own journey of learning to apologize, highlighting the five essential components: acknowledgment, responsibility, remorse, restitution, and repentance. Through personal anecdotes and biblical insights, Ralph illustrates how a genuine apology can transform not just marriages, but all relationships. By incorporating these elements into your apologies, you can foster deeper connections, improve communication, and ultimately learn to effectively apologize, leading to a more harmonious and fulfilling life. https://www.askralphpodcast.com/learn-to-effectively-apologize / Podcast Show notes: 00:00 Episode Overview 01:05 Listener’s Question from Valerie 02:27 Bible Verse: James 5:16 03:38 Ralph’s Personal Story of Learning to Apologize 05:07 The Five Components of an Effective Apology #1 Acknowledgement 05:19 #2 Responsibility 05:29 #3 Remorse 05:36 #4 Restitution 05:43 #5 Repentance 09:52 Action Steps to Take #1 Reflect on Your Recent Conflicts 10:06 #2 Practice Crafting Apologies that Include All Five Components 10:21 #3 Have an Honest Conversation 10:47 #4 Consider Seeking a Counselor or Attending a Marriage Workshop 11:16 #5 Pray Together 11:50 Prayer 12:32 Recap and Conclusion Takeaways: An effective apology involves acknowledgment, responsibility, remorse, restitution, and repentance to foster healing. It's crucial to take responsibility for your actions without making excuses or shifting blame. Expressing genuine remorse is not just about saying sorry, but about feeling it deeply. Restitution means offering to make amends and actively working to correct your mistakes. Repentance is about committing to change future behaviors and avoiding past mistakes. Incorporating these elements into apologies can strengthen relationships and enhance communication. Links referenced in this episode: What is your question that you would like to ask Ralph? Send Your Question here: justaskralph.com askralph.com LISTEN NOW WATCH
S6 E279 · Sat, October 05, 2024
What are 9 terrible pieces of money advice to ignore if you want to get rich?
Navigating the world of financial advice can be overwhelming, especially with the multitude of contradictory opinions out there. This podcast dives into the nine terrible pieces of money advice that you should ignore if you truly want to build wealth. Ralph shares eye-opening stories from clients who have followed misguided recommendations, leading to costly mistakes. From the misconception that credit cards are inherently evil to the idea that you should always prioritize high-paying jobs, the discussion highlights the importance of critical thinking and personalized financial strategies. Tune in for insightful advice and witty humor, and discover the 9 terrible pieces of money advice to ignore if you want to get rich —along with actionable steps to improve your financial health! https://www.askralphpodcast.com/want-to-get-rich/ Podcast Show Notes: 00:00 Episode Overview 01:19 Listener’s Question: Jason’s Experience with Conflicting Financial Advice 02:20 Bible Verse: Proverbs 14:15 – Being Cautious About Financial Advice 03:13 Real-Life Story: Jennifer’s Financial Mistakes After Following Bad Advice 03:58 The 9 Terrible Pieces of Money Advice to Ignore 04:05 #1 “Credit Cards Are Evil, Cut Them Up and Never Use Them Again” 06:24 #2 “If You Love a Product, Buy the Company’s Stock” 07:43 #3 “Young People Should Take High-Risk Investments” 09:12 #4 “Renting Is Throwing Money Away; You Should Buy a House ASAP” 10:36 #5 “You Don’t Need a Budget, Just Spend Less Than You Earn” 11:58 #6 “You Need the Latest Gadgets to Impress Clients” 13:12 #7 “Always Go for the Highest Paying Job” 14:12 #8 “Single People Don’t Need Life Insurance” 15:40 #9 “Tithing Is Old-Fashioned and Shouldn’t Be a Priority” 22:00 Actionable Steps on Today’s Discussion 23:25 Conclusion Takeaways: Credit cards can be useful financial tools when used responsibly and with care. Investing in a company just because you love its products can lead to losses. A balanced investment portfolio is essential for young investors, not just high-risk options. Renting can be smarter than buying a home based on personal circumstances and flexibility. Proper budgeting is crucial for financial success and understanding cash flow effectively. Life insurance is valuable even for singles, as it can cover debts and expenses. Links referenced in this episode: What is your question that you would like to ask Ralph? Send Your Question here: justaskralph.com a
S6 E278 · Fri, October 04, 2024
What are the 7 best investment choices for frugal people?
Are you feeling too frugal to invest? You’re not alone, and today’s discussion tackles this common concern while highlighting the importance of smart investing for those who are naturally cautious with their finances. Ralph Estep Jr. shares seven excellent investment options tailored for frugal individuals, emphasizing that being thrifty and a savvy investor can go hand in hand. Drawing on a compelling story about a client named Tom, Ralph illustrates how a frugal mindset can actually enhance investment decisions, allowing for wealth growth without incurring high fees. By exploring the best investment choices for frugal people , you'll discover how to make your money work for you while staying true to your frugal nature. https://www.askralphpodcast.com/choices-for-frugal-people/ Podcast Show notes: 00:00 Episode Overview 01:10 Listener’s Question: Hillary’s Dilemma About Investing as a Frugal Person 02:45 Bible Verse: Matthew 25:14-30 – The Parable of the Talents 04:27 Real-Life Story: Tom’s Journey from Fearful Saver to Confident Investor 06:31 The 7 Best Investment Choices for Frugal People 06:58 #1 Low-Cost Index Funds 07:44 #2 Exchange-Traded Funds (ETFs) 08:14 #3 High-Yield Savings Accounts 08:53 #4 Certificates of Deposit (CDs) 09:35 #5 U.S. Treasury Securities 10:10 #6 Dividend Reinvestment Plans (DRIPs) 10:42 #7 Robo-Advisors 13:13 Takeaway to Start Your Investment Journey #1 Your Frugal Mindset Can Make You a Great Investor 13:23 #2 Start with Low-Cost Index Funds or ETFs 13:37 #3 Don't Neglect The Power of High-Yield Savings Accounts and CDs 14:00 #4 Consider the U.S. Treasury Securities 14:23 #5 Look Into Dividend Reinvestment Plans 14:44 #6 Consider a Low-Cost Robo-Advisor 14:53 #7 Investing is About the Long Game 15:24 Conclusion Takeaways: Frugality and smart investing can go hand in hand, creating wealth over time. Investing in low-cost index funds is a great starting point for frugal investors. High-yield savings accounts can provide better returns while keeping your money safe. Consider using U.S. Treasury securities for a conservative, low-risk investment option. Dividend reinvestment plans allow you to buy stocks directly and grow your investment. Robo-advisors can be a low-cost, hands-off investment option for those who prefer it. Links referenced in this episode: treasurydirect.gov What is your question that you would like to ask Ralph? Send Your Question here: <a href="https://justaskralph.com/" rel="noopener
S6 E277 · Thu, October 03, 2024
What is the tax impact of getting a lump sum versus routine payout of retirement?
In today's episode of the Ask Ralph podcast, we delve into the vital decision of choosing between a lump sum and annual retirement payouts, a choice that can significantly impact your financial future. Ralph Estep Jr unpacks the tax implications, budgeting considerations, and investment opportunities associated with each option, using illustrative stories of two clients, Joe and Fred, to highlight the real-world effects of their decisions. Joe opted for a steady monthly payout, enjoying the stability and predictability it offered, while Fred chose a lump sum, granting him more control and potential for higher investment returns, but with increased responsibility. Throughout the episode, Ralph emphasizes the importance of careful planning, strategic tax management, and understanding one's own risk tolerance, urging listeners to consider professional advice when navigating these complex financial waters. As the episode wraps up, listeners are reminded of the importance of diligent planning, echoing biblical wisdom, and are encouraged to tune in tomorrow for more valuable insights on financial decision-making. Are you nearing retirement and wondering What Is the Tax Impact of Getting a Lump-Sum Versus Routine Payout of Retirement? https://www.askralphpodcast.com/lump-sum-versus-routine/ Podcast Show Notes: 00:00 Episode Overview 00:58 Listener’s Question: Ryan’s Dilemma about Lump Sum vs. Annual Payments 01:50 Bible Verse: Luke 14:28-30 02:44 Real-Life Story: Joe and Fred’s Retirement Choices 05:00 5 Key Tax and Financial Implications of Retirement Payouts 05:45 #1 Joe’s Choice: Monthly Payout and Financial Routine 06:30 #2 Fred’s Choice: Lump Sum Payout and Flexibility 07:15 #3 Tax Differences: Monthly Income vs. Lump Sum 08:00 #4 Investment Control and Risk Management 08:45 #5 The Impact on Long-Term Financial Stability 12:38 Action Steps to Make a Better Retirement Decision #1 Assess Your Budget Needs 12:53 #2 Evaluate Your Risk Tolerance 13:23 #3 Talk to a Tax Professional 13:52 #4 Plan For Flexibility 14:05 #5 Think Long-Term and Plan for Future Needs 16:22 Recap and Closing Takeaways: Choosing between a lump sum and monthly retirement payout requires understanding the impact on taxes. The decision on retirement payouts should factor in your risk tolerance and financial goals. Lump sum payouts give more control but require careful financial management to avoid tax pitfalls. Monthly payouts offer stability but limit investment opportunities compared to lump sum options. Spreading large withdrawals over multiple tax years can help minimize the tax burden. Consulting a financial advis
S6 E276 · Wed, October 02, 2024
What are 9 unexpected costs of selling your home?
Ralph dives into the often-overlooked hidden costs of selling a home, a topic that can leave many homeowners unprepared and financially strained. He outlines nine unexpected expenses, from presale home inspections to capital gains taxes, that can significantly impact your wallet. Ralph emphasizes the importance of budgeting and preparation to manage these costs effectively, drawing on real-life stories of homeowners who faced surprising hurdles during their selling process. By weaving in a biblical perspective, specifically Proverbs 24:27, Ralph underscores the value of planning and preparation in life’s major decisions. Throughout the episode, Ralph offers actionable steps to help listeners navigate the financial complexities of selling a home, always focusing on achieving financial freedom and peace of mind. Discover 9 unexpected costs of selling your home with Ralph's expert insights on financial planning, unexpected expenses, and stress management strategies. The Ask Ralph podcast episode delves into the often-overlooked hidden costs of selling a home. Ralph, the experienced host, emphasizes the financial surprises that can arise during the home selling process, which many sellers are unprepared for. He outlines nine unexpected expenses, starting with a pre-sale home inspection, which Ralph argues is a wise investment to identify potential issues early on. Home staging, another significant cost, can range from $2,000 to $3,500 and is crucial in a competitive real estate market. Ralph also highlights the importance of budgeting for unexpected repairs that arise from inspections, sharing anecdotes about clients who faced unforeseen expenses ranging from electrical updates to gutter replacements. He stresses the significance of curb appeal and professional cleaning, both essential for making a positive first impression on buyers. Real estate commissions, usually 5-6% of the sales price, are another major expense that sellers should consider. Ralph touches upon the evolving regulations affecting these commissions and advises sellers to stay informed about these changes. Further, Ralph discusses closing costs, moving expenses, and potential capital gains taxes as additional financial considerations. He shares engaging stories from his clients to illustrate these points, such as unexpected raccoon removal costs or last-minute dock repairs that nearly derailed a sale. Throughout the episode, Ralph offers practical advice, urging listeners to prepare financially by saving early, getting pre-listing inspections, and being ready to negotiate unexpected costs. The episode concludes with Ralph encouraging listeners to reach out for personalized financial advice, emphasizing the importance of planning and preparation in the home selling journey. Takeaways: Ralph discusses nine unexpected costs when selling a home that could affect your financial outcome. It's important to budget for unexpec
S6 E275 · Tue, October 01, 2024
What do I do when I lose my wallet to protect from identity theft?
Losing a wallet can lead to more than just a temporary inconvenience; it can be the gateway to a full-blown identity theft nightmare. In this episode, Ralph delves into practical steps you can take to safeguard your identity if you find yourself in such a situation. Learn how to create an inventory of wallet contents and the importance of limiting what you carry. Discover the benefits of digital wallet apps and the necessity of monitoring your credit reports. Ralph emphasizes the importance of being proactive in protecting personal information, combining smart practices with identity theft protection services to guard against unforeseen financial threats. Ralph opens with a relatable scenario about the panic of losing a wallet and the potential risk of identity theft. He delves into a listener's question about the steps one should take if they find themselves in this unfortunate situation. Ralph emphasizes the importance of being proactive by keeping an inventory of wallet contents and using digital tools like cloud storage and digital wallet apps. He shares a story about a client named Tom who lost his wallet at an amusement park, illustrating the chaos and stress that ensued, and how it could have been mitigated with better preparation. Ralph offers a detailed plan of action for those who might lose their wallet, including contacting banks, filing a police report, and monitoring credit reports closely. He stresses the importance of not carrying unnecessary items, like a social security card, and suggests the use of identity theft protection services as a supportive measure. Takeaways: Losing your wallet can lead to identity theft, so it's crucial to take preventive measures. Always keep a detailed list of all the items and cards you carry in your wallet. Use digital wallet apps on your smartphone to securely store and access your payment information. In the event of a lost wallet, immediately contact your bank and credit card companies to report it. File a police report to have an official record, which can help if identity theft occurs. Monitor your credit reports and bank statements closely for suspicious activity after losing your wallet. Links referenced in this episode: justaskraph.com askralph.com Companies mentioned in this episode: Norton Lifelock Identity Guard Identity Force Helpful Resources: https://lifelock.norton.com/ https://www.identityguard.com/ <a href="https://www.identityforce.com
S6 E274 · Mon, September 30, 2024
What 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 comfortably. Ralph highlights how living beyond your means, accumulating high-interest debt, and failing to plan for retirement can lead to a lifetime of work. Through real-life examples and practical advice, Ralph guides listeners on how to shift their financial habits and start building toward a secure retirement. If you’re concerned about your retirement readiness, this episode offers valuable insights and solutions. https://www.askralphpodcast.com/who-can-never-ever-retire/ Podcast Shownotes: 00:00 Episode Overview 00:58 Listener’s Question 02:20 Bible Verse: 1 Timothy 6:17-19 03:24 Real-Life Story: Dave’s Journey to Financial Panic 05:00 7 Common Traps that Derailed Dave’s Financial Future #1 Never Developed a Habit of Saving 05:40 #2 Accumulated a Mountain of Debt 06:13 #3 Never Taken the Time to Educate Himself about Personal Finance 06:39 #4 Ignored the Importance of Insurance 07:19 #5 Made Emotional Decisions with Money 08:10 #6 Neglected His Health 08:43 #7 Never Aligned Financial Decisions with Values & Long-Term Goals 09:41 Action Steps to Avoid Similar Situations: #1 Start Saving Now 10:25 #2 Live Below Your Means and Avoid Unnecessary Debt 11:07 #3 Educate Yourself about Personal Finance 11:56 #4 Protect Yourself and Loved Ones with Insurance Coverage 12:25 #5 Make Rational, Not Emotional, Financial Decisions 13:14 #6 Take Care of Your Health 14:20 #7 Align Financial Decisions with Values and Long-Term Goals 15:21 Action Steps To Make Positive Changes in Your Financial Life #1 Maximize Your Retirement Contributions 15:40 #2 Working a Few Years Longer 16:02 #3 Increase Your Income 16:43 #4 Downsize Your Lifestyle 17:13 #5 Seek Professional Help 18:42 Recap and Closing Resources mentioned: https://www.askralphpodcast.com/called-it-quits/ (Retirement decisions) What is your question that you would like to ask Ralph? Send Your Question here: <a href="https://justaskralph.com/"
S6 E273 · Sun, September 29, 2024
How 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 Show, Ralph Estep Jr. dives deep into the intersection of faith and mental health. He answers a listener’s question about how to rely on faith to manage anxiety, particularly during tough financial times. Through personal stories and scripture, Ralph offers practical steps to strengthen your faith while navigating stress and anxiety. He provides actionable advice on how to trust in God’s plan and take control of your worries through a Christian perspective. https://www.askralphpodcast.com/manage-my-anxiety/ Podcast Shownotes: 00:00 Episode Overview 01:05 Listener’s Question 02:09 Bible Verse: Philippians 4:6-7 03:07 Ralph’s Personal Story: Trusting God During Financial Stress 06:58 Main Points from Carnegie’s Book #1 Live in Day-Tight Compartments 07:44 #2 Define the Worst-Case Scenario and Accept it 08:49 #3 Busy Yourself with the Right Things 09:26 #4 Don't Fuss About Trifles 10:02 #5 Law of Averages to Outlaw your Worries 10:53 #6 Cooperate With the Inevitable 11:45 #7 Put a "Stop-Loss" Order on Your Worries 13:08 Actionable Steps for Managing Anxiety #1 Start Each Day with Scripture and Prayer 13:38 #2 Practice Gratitude 14:03 #3 Serve Others 14:49 #4 Create a Worry Time 15:26 #5 Take Care of Your Physical Health 16:12 #6 Seek Support 16:55 #7 Practice Financial Stewardship 18:03 Prayer 18:46 Recap and Closing Resources mentioned: https://www.amazon.com/How-Stop-Worrying-Start-Living/dp/0671733354 (Dale Carnegie Book) https://www.dalecarnegie.com/en (Dale Carnegie Course) What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/ Join our email list and get a free copy of “Mastering Your Finances” at https://askralph.com/</
S6 E272 · Sat, September 28, 2024
Should I have joint accounts with my children or rely on a Power of Attorney?
Have you ever considered how a single financial decision could jeopardize your relationship with your child? In this episode of The Ask Ralph Podcast, Ralph Estep Jr. tackles a question many listeners are facing: Should I have joint accounts with my children or rely on a Power of Attorney? Ralph shares a real-life story of a mother and daughter whose close bond was shattered by financial disaster after opening a joint account together. If you're unsure about the best way to protect your finances while maintaining family harmony, this episode provides valuable insights to help you make an informed decision. Tune in to learn how to navigate this sensitive issue with care and confidence. Making the Right Financial Decisions with Ralph Estep Jr. In this episode, Ralph tackles the complexities of sharing a bank account with an adult child and the potential risks involved. He explains the advantages of using a power of attorney instead, detailing how it provides more control over your finances while offering protection against potential misuse. Through real-life examples and practical advice, Ralph empowers listeners to safeguard their finances and avoid common pitfalls arising from joint accounts. https://www.askralphpodcast.com/power-of-attorney/ Podcast Shownotes: 00:00 Introduction 01:01 Listener's Question 01:53 Bible Verse 02:33 Real-Life Story: Debra’s Experience 05:55 What is Power of Attorney? 06:41 Two Types of Powers of Attorney 08:27 Actionable Steps to Protect Yourself - #1 Consult with a Lawyer 09:05 #2 Choose Your Agent Wisely 10:25 #3 Be Specific: Clearly Outline What Powers You are Granting 10:46 #4 Review and Update Regularly 11:46 $5 Communicate Openly 12:28 Recap and Closing Websites Mentioned: https://www.askralphpodcast.com/estate-planning-chat-with-attorney-kevin-baird/ https://www.askralphpodcast.com/common-estate-planning-mistakes/ What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/ Join our email list and get a free copy of “Mastering Your Finances” at https://askralph.com/ Schedule Appointment with Saggio Management Group, Inc. <a href="https://app.acuityscheduling.com/schedule/fabfb9f2/appointment/8258839/calendar/21413
S6 E271 · Fri, September 27, 2024
How do I budget for my pet care expenses?
How do I budget for my pet care expenses? If you've ever wondered how to manage pet care costs without straining your budget, this episode of The Ask Ralph Show is for you. Ralph Estep Jr. provides practical advice on budgeting for everything from routine expenses to unexpected medical bills, helping you stay financially responsible while caring for your pet. You also get to meet my son Ryan and his dog Firefly! Tune in now! How to Budget for Pet Care Costs with Ralph Estep Jr. In this episode, Ralph answers a listener's question about managing pet expenses after adopting a rescue dog. Ralph offers strategies for handling the cost of food, vet visits, and medical emergencies. He shares tips on using pet insurance, setting up an emergency fund, and even learning basic grooming skills to save money. Ralph also touches on the sensitive topic of setting a maximum spending limit for pet care, helping listeners balance financial responsibility with their love for their pets. https://www.askralphpodcast.com/pet-care-expenses/ Podcast Shownotes: 00:00 Episode Overview 01:17 Listener’s Question: Managing Pet Expenses on a Budget 03:29 Bible Verse: Proverbs 12:10 04:15 Ryan’s Interview 04:46 Real-Life Story: Pet Insurance and Medical Emergencies 10:34 Actionable Steps for Budgeting Pet Care Expenses #1 Consider Pet Insurance 11:20 #2 Build Emergency Fund for Pet Expenses 11:45 #3 Research Average Annual Pet Care Costs 12:12 #4 Save on Routine Care 12:33 #5 Learn Basic Pet Grooming Skills 12:59 #6 Be Proactive About Your Pet’s Health 13:37 Setting a Maximum Spending Limit for Pet Care 17:31 Conclusion What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/ Join our email list and get a free copy of “Mastering Your Finances” at https://askralph.com/ Schedule Appointment with Saggio Management Group, Inc. https://app.acuityscheduling.com/schedule/fabfb9f2/appointment/8258839/calendar/2141336?appointmentTypeIds[]=8258839
S6 E270 · Thu, September 26, 2024
What 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 concept of a "tax time bomb" in retirement, where deferred taxes can lead to significant financial burdens later in life. Through the story of his client Robert, Ralph illustrates how Required Minimum Distributions (RMDs) and poor planning can lead to unexpected tax issues. Ralph shares actionable strategies such as Roth IRA conversions, Qualified Charitable Distributions (QCDs), and diversifying income sources to help you reduce tax liabilities. Whether you’re close to retirement or still years away, this episode will equip you with the knowledge to protect your savings and avoid unnecessary taxes. https://www.askralphpodcast.com/tax-time-bomb/ Podcast Shownotes: 00:00 Episode Overview 01:09 Listener’s Question 02:19 Bible Verse: Proverbs 21:5 02:47 Real-Life Story: Robert’s Tax Time Bomb Experience 05:47 Roth Conversions 06:31 Qualified Charitable Distributions 07:21 Diversified Retirement Income Sources 08:00 Strategic about Social Security 08:42 Action Steps To Avoid a Tax Time Bomb in Your Own Retirement #1 Diversify Retirement Savings 08:56 #2 Plan for RMDs Before They're Required 09:37 # 3 Consider Roth Conversions in Lower-Income Years 10:07 # 4 Explore QCDs If You're Charitably Inclined 10:31 #5 Get Professional Help 13:22 Conclusion Websites Mentioned: https://www.askralphpodcast.com/roth-ira-conversions/ https://www.askralphpodcast.com/tax-breaks-for-seniors/ What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/ Join our email list and get a free copy of “Mastering Your Finances” at https://askralph.com/ Schedule an Appointment with Saggio Management Group, Inc. <a href="https://app.acuityscheduling.com/schedule/fabfb9f2/appointment/8258839/ca
S6 E269 · Wed, September 25, 2024
How 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 discussing pension income while dating. He shares strategies for introducing financial topics naturally and respectfully, drawing from real-life examples like his client Jeff. Ralph addresses how to use humor, future plans, and current events to make these conversations feel less awkward. He also provides actionable tips for building trust and transparency with a new partner. Whether you're new to dating or returning after a significant life change, Ralph's insights will help you approach financial discussions with confidence and ease. https://www.askralphpodcast.com/effectively-as-a-couple/ ( RELATIONSHIP EXPERT ) https://www.askralphpodcast.com/discuss-pension-income/ What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/ Podcast Shownotes: 00:00 Episode Overview 01:16 Listener’s Question 2:19 Bible Verse 3:03 Real-Life Story: Jeff Navigates Pension Conversations 06:12 Creative Ways to Bring Up Pension Income - #1 The "Future Plans" Approach 06:37 #2 The "Volunteer Work" Angle 07:03 #3 The "Funny Story" Tactic 07:26 #4 The "Current Events" Discussion 07:40 #5 The "Grandkid's College Fund" 10:29 Key Takeaways from Jeff’s Experience #1 Timing is Everything 10:47 #2 Use Natural Openings 11:04 #3 Be Honest and Transparent 11:40 #4 Sense of Humor When Appropriate 12:12 #5 Focus on Shared Values 12:38 #6 Financial Compatibility is an Important Aspect of a Relationship 13:39 Conclusion Join our email list and get a free copy of “Mastering Your Finances” at https://askralph.com/ Schedule an Appointment with Saggio Management Group, Inc. https://app.acuityscheduling.com/schedule/fabfb9f2/appointment/8258839/c
S6 E268 · Tue, September 24, 2024
What 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 seven key red flags to look out for. Using real-life stories, Ralph emphasizes the importance of vigilance and provides actionable steps to protect yourself from these scams. https://www.askralphpodcast.com/debt-collections-scams/ What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/ Podcast Shownotes: 00:00 Episode Overview 01:05 Listener's Question 02:08 Bible Verse 03:02 Story of Ralph’s Client - Sally 05:30 Top 7 Debt Collection Scams to Avoid 06:12: #1 Phantom Debt Scam 06:47 #2 Immediate Payment Demand 07:21 #3 Threat of Arrest 07:56 #4 Odd Payment Method Request 08:58 #5 Identity Theft Setup 10:18 #6 Robocall Debt Collection Call 11:01 #7 Fake Government Agency 12:39 Actionable Steps to Protect Yourself from Debt Scams 12:42 #1 Always Ask for Written Validation of the Debt 13:13 #2 Don’t Give Out Personal Information Over the Phone 13:36 #3 Contact the Original Creditor to Verify 14:03 #4 Never Pay a Debt Using Gift Cards 14:32 #5 Hang Up the Phone 15:58 #6 Register Your Phone Number with the National Do Not Call Registry 16:15: #7 Report to the Federal Trade Commission & State’s Attorney General Office 17:03 Conclusion Join our email list and get a free copy of “Mastering Your Finances” at https://askralph.com/ Schedule Appointment with Saggio Management Group, Inc. <a href="https://app.acuityscheduling.com/schedule/fabfb9f2/app
S6 E267 · Mon, September 23, 2024
What are ten things I should never do with my credit card?
Are you making dangerous mistakes with your credit card? In this episode of The Ask Ralph Podcast , host Ralph Estep Jr. uncovers the most common credit card blunders that lead to overwhelming debt. Ralph draws from personal stories, including the case of Barry, a client drowning in $50,000 of credit card debt, to explain how quickly these financial missteps can spiral out of control. Ralph provides actionable advice to help listeners avoid the same traps and build healthier credit habits. Breaking the Cycle of Credit Card Mistakes and exploring what I should never do with my credit card with Ralph Estep Jr. In this episode of The Ask Ralph Podcast , Ralph delves into the costly mistakes many people make with their credit cards and how to break free from the debt cycle. From relying on cash advances to juggling multiple cards, Ralph shares valuable insights and actionable advice to help listeners avoid these pitfalls. With real-life examples, faith-based guidance, and intelligent financial strategies, Ralph empowers you to take control of your credit and build a secure financial future. https://www.askralphpodcast.com/with-my-credit-card/ https://www.askralphpodcast.com/using-your-debit-card/ https://www.askralphpodcast.com/deferred-interest-loans-dont-get-pinched/ What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/ Podcast Shownotes: 00:00 Episode Overview 01:22 Listener's Question 02:42 Bible Verse 03:49 Story of Ralph’s Client - Barry 05:41 10 Mistakes to Avoid with Your Credit Card - #1 Never Use Credit Card for Cash Advances 06:23: #2 Don’t Make Only the Minimum Payments 07:13 #3 Avoid Maxing Out Your Credit Cards 08:09 #4 Never Use One Credit Card to Pay Off Another 08:59 #5 Don’t Use Your Credit Card for Everyday Purchases You Can’t Afford 10:16 #6 Avoid Making Large Purchases Without A Repayment Plan 12:29 #7 Never Miss a Payment 13:25 #8 Don’t Ignore Your Credit Card Statements 14:35 #9 Avoid Applying for Multiple Cards in a Short Period of Time 15:15 #10 Never Use Your Credit Card for Gambling or Speculative Investments 20:04 Current Landscape of Credit Card Use 21:16 Tips on How to Avoid Pitfalls of Credit Card Misuse - #1 Create a Budget and Stick to It 21:36 - #2 Use Cash or Debit Card for Everyday Purchases 21:58 - #3 Pay the Full Balance Each
S6 E266 · Sun, September 22, 2024
How do I find joy in the mundane?
Have you ever felt stuck in a rut, struggling to find joy in your daily routine? In this episode of the Ask Ralph Podcast, host Ralph dives into the art of finding fulfillment in the mundane. Ralph shares practical strategies to help you rediscover joy and purpose in everyday tasks. How to Find Joy in Your Daily Routine with Ralph Estep Jr. In this episode of The Ask Ralph Podcast, Ralph explores the often-overlooked aspects of daily life that can bring genuine happiness and satisfaction. He provides actionable advice on turning routine tasks into meaningful experiences, including tips for setting intentional goals, practicing mindfulness, and embracing gratitude. Ralph also shares personal anecdotes and insights on maintaining a positive mindset throughout daily chores and responsibilities. https://www.askralphpodcast.com/joy-in-the-mundane/ 00:00 Episode Overview 01:02 Listener's Question 03:08 Bible Verse 05:11 Personal Story of Finding Purpose 08:35 Practical Steps to Rediscover Joy 12:21 Creative Approaches and Mindfulness 15:02 Connecting Daily Life to Faith 17:00 Outro Join our email list and get a free copy of “Mastering Your Finances” at https://askralph.com/ Schedule Appointment with Saggio Management Group, Inc. https://app.acuityscheduling.com/schedule/fabfb9f2/appointment/8258839/calendar/2141336?appointmentTypeIds[]=8258839 LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST Please share our Podcast with all your friends and family! Submit yo
S6 E265 · Sat, September 21, 2024
How do I live out my Christian Faith through my finances? Replay of my interview with Paul Granger
How 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 finances? With Ralph Estep Jr. and Paul Granger In this episode of the Ask Ralph show , host Ralph Estep Jr. discusses how to live out one's Christian faith through financial decisions. He revisits an interview with Paul Granger, highlighting radical life choices made to follow God's calling. The show opens with a listener's question from Caroline about balancing spending, saving, and generosity according to Christian values. The episode features insights from Paul Granger's experience, stressing that financial security relies on trusting God's provision and practicing radical generosity. The conversation further delves into Ralph's personal stories of faith-driven financial choices, underlining that everything we have is entrusted to us by God. https://www.askralphpodcast.com/faith-through-my-finances/ 00:00 Episode Overview 00:38 Listener’s Question 01:34 Bible Verse 02:00 Interview with Paul Granger 02:20 Paul's Journey 04:24 The Gift of Salvation 11:36 Faith and Finance 17:29 The Struggle of Financial Fear Among Believers 22:23 Living in an Unconventional Way 31:43 A Miraculous Reconciliation 32:33 The Challenge of Loving Like Christ 33:20 God's Unexpected Provisions 37:47 Broadening Our Perspective 40:42 Experiencing Life Beyond Our Comfort Zone 45:03 The Paradigm Shift in Christian Finance 53:56 The Importance of Community and Accountability 57:20 Final Thoughts Paul’s Website</
S6 E264 · Fri, September 20, 2024
Why 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 your credit can still affect your financial decisions. From qualifying for loans, obtaining better insurance rates, or renting a home, Ralph emphasizes how a good credit score offers retirees flexibility and financial stability. He also provides actionable tips for keeping your credit score healthy, even after you’ve stopped working. https://www.askralphpodcast.com/even-in-retirement/ Timestamps 00:00 Episode Overview 01:00 Listener’s Question 02:51 Bible Verse 03:45 Stories of Ralph’s Clients: Tom & Jerry 09:30 Impact of Credit Scores on Retirees 10:22 Key Steps to Improve Your Credit in Retirement 12:51 Wrap Up Schedule an Appointment with Saggio Management Group, Inc. https://app.acuityscheduling.com/schedule/fabfb9f2/appointment/8258839/calendar/2141336?appointmentTypeIds[]=8258839 LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST Please share our Podcast with all your friends and family! Submit your questions or ideas for fut
S6 E263 · Thu, September 19, 2024
How can I keep from burdening my heirs with an inherited IRA?
Have you ever wondered how to ensure your loved ones don’t face a heavy tax burden when they inherit your IRA? In this episode, host Ralph Estep Jr. shares key strategies to ease the financial strain on your heirs. Inspired by a listener question from Kathy, Ralph dives into practical solutions that can help you manage the complexities of inheritance tax planning and safeguard your legacy for future generations. What Steps Can You Take to Reduce Inheritance Taxes for Your Heirs? With Ralph Estep, Jr. In this episode, Ralph explores various strategies to lower the tax burden on your heirs when they inherit an IRA. From Roth conversions to life insurance funding and charitable remainder trusts, he explains how these approaches can help ensure that your heirs benefit from your legacy without being overwhelmed by taxes. Ralph also uses real-life examples to illustrate how you can effectively pass down your wealth. 00:00 Episode Overview 01:03 - Listener’s Questions 02:56 Bible Verse 04:02 - Real-Life Example: Victor’s Inheritance Story 07:31 Strategy 1 - Roth Conversions Explained 08:00 Strategy 2 - Life Insurance to Cover Taxes 08:23 Strategy 3 - Using a Charitable Remainder Trust 08:50 Strategy 4 - Spend Down Your IRA 09:14 Strategy 5 - Split Over Multiple Beneficiaries 09:59 Strategy 6 Educating Your Heirs 11:59 Step-by-Step Guide to Solving Kathy's Problem 13:17 Recap Join our email list and get a free copy of “Mastering Your Finances” at https://askralph.com/ Schedule Appointment with Saggio Management Group, Inc. https://app.acuityscheduling.com/schedule/fabfb9f2/appointment/8258839/calendar/2141336?appointmentTypeIds[]=8258839 LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW <a href="https
S6 E262 · Wed, September 18, 2024
What 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 and explains the implications for your estate and loved ones. Ralph offers valuable guidance on debt and estate planning to help you navigate these complex issues and ensure your family’s financial future is protected. https://www.askralphpodcast.com/debts-after-you-die/ [00:00] - Introduction- The Reality of Debts After Death [01:19] - Listener’s Question: Blake’s Concern [03:24] - Bible Verse [04:06] - Bruce’s Story [06:07] - Understanding Debts After Death: Key Insights [08:08] - Bruce's Financial Resolution [09:16] - Actionable Steps to Prevent Burdening Family [12:10] - The Importance of Estate Planning [13:36] - Recap and Final Thoughts Schedule Appointment with Saggio Management Group, Inc. https://app.acuityscheduling.com/schedule/fabfb9f2/appointment/8258839/calendar/2141336?appointmentTypeIds[]=8258839
S6 E261 · Tue, September 17, 2024
What 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 real client experiences and practical advice. Ralph highlights how checks can complement modern financial methods and provides actionable tips for integrating them into your financial routine. Whether you're re-evaluating the role of checks or seeking better ways to manage your finances, this episode offers essential insights and guidance. 00:00 - Introduction: Why Write Checks in 2024? 01:17 - Listener's Question 03:01 - Bible Verse 04:09 - Stories of Ralph's Clients - Sammy & Benny 07:24 - Nine Reasons to Still Write Checks 10:42 - Actionable Tips for Financial Record-Keeping 12:10 - Conclusion: Balancing Old and New Financial Practices https://www.askralphpodcast.com/still-write-a-check/ Schedule Appointment with Saggio Management Group, Inc.: Book your appointment here https://app.acuityscheduling.com/schedule/fabfb9f2/appointment/8258839/calendar/2141336?appointmentTypeIds[]=8258839 LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW <a hre
S6 E260 · Mon, September 16, 2024
How do we handle our finances effectively as a couple? Interview with Karen Hackman a couples financial expert.
Struggling to manage finances with your partner? Unsure how to align your financial goals and tackle money-related conflicts? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr. and financial expert Karen Hackman as they share their insights on effective financial management for couples. What Are the Best Strategies for Couples to Handle Their Finances Together? With Ralph Estep Jr. and Karen Hackman In this episode, Ralph and Karen dive into key strategies for couples to manage their finances harmoniously. They explore how to align financial goals, address and resolve money-related conflicts, and create a unified financial plan. Karen and Ralph offer practical tips and actionable advice to help couples overcome common financial disagreements and build a stronger financial partnership. Through personal anecdotes and expert insights, this episode provides essential guidance for couples seeking to enhance their financial relationship . 00:00 Episode Overview 01:05 Listener’s Question 02:49 Bible Verse 03:32 Karen Hackman’s Personal Experience of Financial Struggles in Her Marriage 05:47 Advice for Newlyweds or Engaged Couples to Get on the Same Financial Footing Before Marriage. 07:11 Discussion on Whether the Wife or Husband Should Manage The Household Finances 08:48 Strategies for Getting the Reluctant Spouse to Open Up About Finances 10:28 How Karen Helps Couples Create a Budget or "Intentional Spending Plan" 13:35 Addressing differences in income between spouses 16:22 Advice for newlywed couples on the top financial steps to take 18:01 Discussing when the right time is to have children from a financial perspective. 20:26 Adapting the financial plan as life circumstances change 21:19 Karen's coaching program "Get on the Same Financial Page as Your Spouse" 24:47 Integrating faith and tithing into financial planning 33:36 Strategies for encouraging increased charitable giving 34:54 Karen's contact information and ways for listeners to connect https://money-and-marriage.ck.page/91cb5000c8 (Intentional Spending Plan) https://moneyandmarriage.net/ (Reach Karen Hackman) https://www.askralphpodcast.com/effectively-as-a-couple/ Schedule Appointment with Saggio Management Group, Inc. https://app.acuityscheduling.com/schedu
S6 E259 · Sun, September 15, 2024
How do I work at cultivating Christian community?
In this episode, Ralph Estep Jr. addresses how to build a Christian community to support your financial journey. Listener Sarah’s question about feeling isolated in her financial struggles prompts Ralph to share actionable steps for creating or finding a supportive network. How do I work at cultivating Christian community? Addressing a listener’s question about feeling isolated in financial struggles, Ralph provides actionable advice on finding or creating a group of like-minded believers. From starting small with trusted friends to leveraging church resources and online communities, discover how to build a network that offers both practical financial guidance and spiritual encouragement. Tune in to learn how a supportive Christian community can transform your financial life. 00:00 Episode Overview 00:49 Listener’s Question 01:22 Bible Verse 01:58 Ralph’s Personal Story 06:15 Practical Steps to Cultivate Christian Community focused on Financial Stewardship 09:00 Recap 09:52 Prayer 11:29 Final Thoughts Ask Ralph Podcast Insiders Group Schedule Appointment with Saggio Management Group, Inc. LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST Please share our Podcast with all your friends and family! Submit your questions or ideas for future shows - email us at <a href="mailto:ralph@askralph.com" rel="noopener nore
S6 E258 · Sat, September 14, 2024
What 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 of early retirement and offers actionable steps to avoid these pitfalls. Key strategies include thorough financial assessment, phased retirement, developing a purposeful retirement plan, and staying mentally and socially engaged. Ralph also emphasizes the importance of aligning retirement plans with spiritual growth. Tune in to prepare for a financially secure and fulfilling retirement. 00:00 Episode Overview 01:31 Listener’s Question 02:51 Bible Verse 03:38 Case Study: George's Early Retirement Regrets 06:12 Common Regrets of Early Retirees 10:32 Actionable Steps to Avoid Retirement Regrets 17:06 Conclusion: Planning for a Fulfilling Retirement Schedule Appointment with Saggio Management Group, Inc. https://app.acuityscheduling.com/schedule/fabfb9f2/appointment/8258839/calendar/2141336?appointmentTypeIds[]=8258839 LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESD
S6 E257 · Fri, September 13, 2024
What are the best money lessons to teach your kids?
Is your child prepared for a financially successful future? In this episode of the Ask Ralph Show, Ralph Estep Jr. explores essential money lessons every child should learn. What Are the Best Money Lessons to Teach Your Kids? In this episode of the Ask Ralph Show, host Ralph Estep Jr. tackles a crucial question for parents: What are the best money lessons to teach your kids? Ralph dives into effective strategies for instilling financial wisdom in children from a young age. He explores practical approaches for teaching kids about saving, spending, and giving, and provides actionable advice on how to make financial education engaging and effective. 00:00 Episode Overview 01:06 Listener’s Question: Kelsey asks about age-appropriate money lessons for her kids. 01:52 Bible Verse 02:26 Key principles to teach kids about finances 05:52 Practical advice and steps for parents 06:55 Practical Strategies for Teaching Financial Literacy: Engaging methods for different age groups. 09:52 Conclusion: Summary and final thoughts on empowering kids with financial knowledge. Schedule Appointment with Saggio Management Group, Inc. https://app.acuityscheduling.com/schedule/fabfb9f2/appointment/8258839/calendar/2141336?appointmentTypeIds[]=8258839 LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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
S6 E256 · Thu, September 12, 2024
Is 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 and challenges beneficiaries may face, such as unexpected tax liabilities and difficulties in locating policies. He also discusses how to avoid these issues through proper planning and communication. Tune in for insights on ensuring your life insurance meets your intended financial goals without unwanted tax surprises. 00:00 Episode Overview 01:06 Listener’s Question 01:52 Bible Verse 02:26 Understanding Life Insurance Taxation 05:52 Key Takeaways and Action Steps 06:55 Exceptions to Tax-Free Life Insurance Payouts 09:52 Conclusion Schedule Appointment with Saggio Management Group, Inc. https://app.acuityscheduling.com/schedule/fabfb9f2/appointment/8258839/calendar/2141336?appointmentTypeIds[]=8258839 LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 <a href="https://www.askralphpod
S6 E255 · Wed, September 11, 2024
What 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, the difficulties of closing accounts, hidden fees in 'free' checking accounts, the benefits of credit unions, and the pitfalls of overdraft protection. He provides actionable steps to save money, including reviewing bank statements, negotiating with banks, and setting up account alerts. 00:00 Episode Overview 00:52 Listener's Question 02:16 Bible Verse 02:50 10 Things Banks Don't Want You to Know 05:36 Personal Story: From Bank to Credit Union 11:56 Actionable Steps to Save Money 15:17 Conclusion: Reflecting on September 11th Article mentioned in the show Prior show about debit cards Schedule Appointment with Saggio Management Group, Inc. https://app.acuityscheduling.com/schedule/fabfb9f2/appointment/8258839/calendar/2141336?appointmentTypeIds[]=8258839 LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST Please share our Podcast with all your friends and family! Submit your questions or ideas
S6 E254 · Tue, September 10, 2024
How 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 loss and identity theft after falling for such scams. He offers practical advice on recognizing and avoiding these scams, such as being skeptical of unsolicited QR codes, verifying sources, inspecting URLs, and using security-enhanced QR code scanners. Ralph emphasizes the importance of keeping your software updated and enabling two-factor authentication to add an extra layer of security. Tune in to learn valuable lessons and tips to safeguard yourself from becoming the next victim. 00:00 Episode Overview 01:08 Listener's Question 01:22 Understanding Squishing Scams 02:45 Bible Verse 04:07 Real-Life Stories of QR Code Scams 07:46 How to Protect Yourself from Squishing Scams 10:58 Conclusion Schedule Appointment with Saggio Management Group, Inc. https://app.acuityscheduling.com/schedule/fabfb9f2/appointment/8258839/calendar/2141336?appointmentTypeIds[]=8258839 LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST Please share our Podcast with all your friends and family! Submit your questions or ideas for future shows - email us at ralph@askralph.co
S6 E253 · Mon, September 09, 2024
How can I beat the dealership in the finance office?
Have you ever felt intimidated walking into a car dealership's finance office? Wondered if you're truly getting a fair deal or being taken for a ride? In this episode, we'll uncover the secrets of avoiding common pitfalls when finalizing your auto purchase. You'll learn practical tips to protect yourself from hidden fees and unnecessary add-ons, so you can confidently navigate the finance office and drive away with a great deal. Get ready to take control of your next car-buying experience and avoid the common traps that can cost you thousands. How can I beat the dealership in the finance office? with Ralph Estep, Jr. In this episode of The Ask Ralph Show, host Ralph Estep, Jr. shares a personal story from his childhood that transformed his perspective on car buying and navigating the often predatory world of auto finance. As a 12-year-old, Ralph witnessed his mother nearly fall victim to hidden fees, unnecessary add-ons, and high-pressure tactics from the finance manager. This experience taught him valuable lessons about the importance of financial knowledge, asking questions, and not being afraid to walk away from a bad deal. 00:00 Episode Overview 00:49 Listener’s Question 02:39 Bible Verse 03:05 Ralph’s Personal Story 08:41 Key Things to Watch Out for in the Finance Office 11:47 Things You Can Do to Protect Yourself 13:37 Recap 14:22 3 Action Steps You Can Take Today 15:03 Final Thoughts Schedule Appointment with Saggio Management Group, Inc. https://app.acuityscheduling.com/schedule/fabfb9f2/appointment/8258839/calendar/2141336?appointmentTypeIds[]=8258839 LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST Please share our Podcast with all your fri
S6 E252 · Sun, September 08, 2024
How 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 calling to ministry. Ralph shares the transformative story of his client John, who left a lucrative investment banking career for ministry. The episode explores themes of faith, courage, and fulfillment in following God's calling. Ralph provides practical steps for discerning and pursuing one's Christian calling, emphasizing prayer, seeking wise counsel, starting small, preparing practically, and trusting in God's timing. 00:00 Episode Overview 01:00 Listener's Question 01:59 Ralph's Personal Journey 03:23 Bible Verse 03:50 John's Story: A Leap of Faith 10:33 Steps to Discern Your Calling 14:15 Conclusion and Prayer 15:51 Final Thoughts Schedule Appointment with Saggio Management Group, Inc. https://app.acuityscheduling.com/schedule/fabfb9f2/appointment/8258839/calendar/2141336?appointmentTypeIds[]=8258839 LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 </p
S6 E251 · Sat, September 07, 2024
What 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 uses two contrasting real-life stories to illustrate the potential financial consequences of having inadequate coverage versus the benefits of comprehensive insurance. 00:00 Episode Overview 00:57 Listener's Question 03:21 Bible Verse 04:11 Real-Life Stories: The Impact of Choosing the Right Insurance Agent 08:07 5 Essential Tips for Choosing an Insurance Agent 11:36 Personal Story: The Importance of Comprehensive Insurance 13:59 Conclusion Schedule Appointment with Saggio Management Group, Inc. https://app.acuityscheduling.com/schedule/fabfb9f2/appointment/8258839/calendar/2141336?appointmentTypeIds[]=8258839 LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Facebook and follow us on Facebook a
S6 E250 · Fri, September 06, 2024
What 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 boundaries with adult children, prioritizing estate planning, adjusting investment strategies, and planning for taxes in retirement. He shares real-life client stories to illustrate these pitfalls and offers strategies to avoid them. 00:00 Episode Overview 01:11 Listener's Question 02:21 Exploring Finance Through a Christian Perspective 03:00 Bible Verse 03:46 7 Money Mistakes That Could Derail Your Retirement 04:11 Real-Life Stories of Financial Mistakes 13:40 Strategies to Avoid Financial Pitfalls 17:59 Recap and Final Thoughts 18:40 Conclusion Episode mentioned in the show (Where should you pull money from first in retirement to optimize your taxes?) Schedule Appointment with Saggio Management Group, Inc. https://app.acuityscheduling.com/schedule/fabfb9f2/appointment/8258839/calendar/2141336?appointmentTypeIds[]=8258839 LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST Please share our Podcast with all your friends and family! Sub
S6 E249 · Thu, September 05, 2024
What 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 expenses, and round numbers, sharing real-life client stories to illustrate the risks involved. He offers practical advice and strategies to avoid triggering an audit, emphasizing honesty, accurate record-keeping, and promptly responding to IRS notices. 00:00 Episode Overview 01:21 Listener's Question 03:26 Bible Verse 04:02 Top 8 Reasons for IRS Audits 17:38 Strategies to Avoid an IRS Audit 18:56 Conclusion Prior Show (How do I prepare for an audit of my home office expenses?) Schedule Appointment with Saggio Management Group, Inc. https://app.acuityscheduling.com/schedule/fabfb9f2/appointment/8258839/calendar/2141336?appointmentTypeIds[]=8258839 LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 <a hre
S6 E248 · Wed, September 04, 2024
How 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 her first child's financial journey and discusses steps such as freezing the child's credit, protecting their Social Security number, and eventually adding them as an authorized user on a credit card. He also highlights the importance of parental modeling of good financial habits and shares a cautionary tale about infant identity theft to stress the significance of these measures. Additionally, Ralph offers personalized financial guidance to listeners looking to improve their own finances or set their children up for a successful financial future. 00:00 Episode Overview 01:16 Listener's Question 03:16 Bible Verse 05:43 Protecting Your Child's Credit 07:33 Steps to Safeguard Your Child's Credit 09:47 Practical Tips for Building Your Child's Credit 15:59 Financial Wisdom for a Lifetime 17:30 Final Thoughts Prior episode on safeguarding documents Schedule Appointment with Saggio Management Group, Inc. https://app.acuityscheduling.com/schedule/fabfb9f2/appointment/8258839/calendar/2141336?appointmentTypeIds[]=8258839 LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALP
S6 E247 · Tue, September 03, 2024
Do 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 for your internet traffic, protecting you from hackers on public Wi-Fi networks. He discusses the critical features to look for in a VPN service and emphasizes the ease of setup. 00:00 Episode Overview 01:10 Listener's Question 02:41 Bible Verse 03:40 Real-Life Cyber Attack Stories 06:24 What is a VPN and How Does it Work? 08:22 Benefits of Using a VPN 11:06 Choosing the Right VPN 12:55 Action Steps: Implementing a VPN 15:01 Conclusion To see your IP address without using a VPN Schedule Appointment with Saggio Management Group, Inc. https://app.acuityscheduling.com/schedule/fabfb9f2/appointment/8258839/calendar/2141336?appointmentTypeIds[]=8258839 LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 <a href="https://www.askralphpodcast
S6 E246 · Mon, September 02, 2024
What 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 fraud. Ralph delves into the hidden risks of using a debit card and explains why credit cards offer better protection against financial losses. He provides actionable steps listeners can take to safeguard their money and avoid the devastating consequences of debit card fraud. Don't let your debit card become a gateway to financial ruin. Tune in to this eye-opening episode and learn how to make smarter financial choices that will keep your money secure. 00:00 Episode Overview 01:10 Listener’s Question 02:56 Bible Verse on Becoming Wise Stewards of our Finances 05:44 Electronic Funds Transfer Act 06:21 Comparison of debit and credit card usage 08:21 Pros and cons of using a debit card 10:52 Actionable steps to protect finances 13:22 Conclusion and preview of next episode The Electronic Funds Transfer Act Where should you not use your credit card? LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST Please share our Podcast with all your friends and family! Submit your questions or ideas for future shows - email us at <a href="mailto:
S6 E245 · Sun, September 01, 2024
What 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. discusses the challenging but crucial topic of taming the tongue. Ralph shares a personal story about how his harsh words negatively impacted his family relationships and emphasizes the long-term, lifelong process of changing one's speech habits. He will share some strategies like the "THINK" method, implementing a "pause button", finding an accountability partner, keeping a gratitude journal, and using the "sandwich" approach when offering criticism. Whether you're someone who frequently finds yourself apologizing for harsh words or you simply want to be more intentional about the power of your speech, this episode is packed with actionable advice to help you harness the life-giving potential of your tongue. Stay tuned to discover how you can make positive changes that will ripple through every area of your life. 00:00 Introduction and Overview of the Episode 01:10 Listener’s Question 03:54 Bible Verse 04:34 Ralph's Personal Experience with Taming the Tongue 07:09 Practical Techniques for Taming the Tongue 13:46 Final Thoughts and Recap 15:12 Conclusion and Topic for Tomorrow’s Show Schedule Appointment with Saggio Management Group, Inc. https://app.acuityscheduling.com/schedule/fabfb9f2/appointment/8258839/calendar/2141336?appointmentTypeIds[]=8258839 LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP S
S6 E244 · Sat, August 31, 2024
What 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 the importance of a cool, calculated approach. Key insights include scrutinizing financials, understanding the customer base, analyzing market position, assessing legal issues, and documentation of business processes. Ralph emphasizes the need for objective analysis, seeking outside advice, and being willing to walk away if the numbers don’t add up. 00:00 Episode Overview 01:00 Listener's Question 02:56 Biblical Perspective on Financial Responsibility 04:30 Real-Life Stories: Emotional Decisions Gone Wrong 07:43 Key Factors to Consider When Buying a Business 12:41 Practical Steps to Remove Emotion from Business Decisions 15:52 Conclusion and Upcoming Topics Schedule Appointment with Saggio Management Group, Inc. https://app.acuityscheduling.com/schedule/fabfb9f2/appointment/8258839/calendar/2141336?appointmentTypeIds[]=8258839 LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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
S6 E243 · Fri, August 30, 2024
What 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 federal loans over private ones. Ralph shares a heartfelt story about a client named Michael to highlight the long-term impact of uninformed loan choices and provides practical action steps to manage student loans wisely. 00:00 Episode Overview 00:52 Listener's Question 02:54 Bible Verse 03:34 Understanding Different Types of Student Loans 10:21 Tax Implications and Common Questions 13:14 Action Steps and Final Thoughts 15:12 Conclusion Schedule Appointment with Saggio Management Group, Inc. https://app.acuityscheduling.com/schedule/fabfb9f2/appointment/8258839/calendar/2141336?appointmentTypeIds[]=8258839 LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Facebook and f
S6 E242 · Thu, August 29, 2024
How 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 legally and confidently claim these deductions without fear. He shares a listener's question about home office expenses, highlighting the importance of proper documentation and the pitfalls of incorrect deductions through compelling examples. Ralph also covers the IRS guidelines for qualifying a home office, allowable expenses, and red flags that might attract an audit. He underscores the necessity of honest and thorough record-keeping to avoid any issues with the IRS. 00:00 Episode Overview 00:39 Listener's Question 02:06 Bible Verse 02:47 The Importance of Proper Documentation 04:26 Common Mistakes in Home Office Deductions 07:12 Qualifying and Documenting Your Home Office 10:34 Action Steps for Home Office Deductions 11:21 Recap and Final Thoughts Schedule Appointment with Saggio Management Group, Inc. https://app.acuityscheduling.com/schedule/fabfb9f2/appointment/8258839/calendar/2141336?appointmentTypeIds[]=8258839 LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST Please share our Podcast with all your friends and family! Submit your questions or ideas for future shows - email us at <a href="mailto:ralph@askralph.com" rel="noopener nor
S6 E241 · Wed, August 28, 2024
Why 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 individuals who made different choices. One story highlights Jim, who struggled after claiming early, while another celebrates Margaret, who thrived by waiting until 70. Key points to consider include health, financial situation, retirement plans, spousal coordination, and legacy impact. 00:00 Episode Overview 01:17 Listener's Question 03:39 Bible Verse 04:21 The Pros and Cons of Claiming Social Security Early 04:58 Real-Life Stories: Jim and Margaret 10:50 Key Considerations for Your Decision 12:45 Recap and Final Thoughts Schedule Appointment with Saggio Management Group, Inc. https://app.acuityscheduling.com/schedule/fabfb9f2/appointment/8258839/calendar/2141336?appointmentTypeIds[]=8258839 LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 <a href="https://www.askralphpodcast.com/" rel="n
S6 E240 · Tue, August 27, 2024
Have 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 the effects of technology on genuine human connections. He reflects on how social media and digital communication often lead to feelings of isolation despite providing a facade of connection. Ralph shares a personal story to illustrate the issue and offers practical advice on using technology to enhance real-world relationships. Key strategies include setting boundaries for tech use, prioritizing face-to-face interactions, and creating tech-free zones. 00:00 Episode Overview 01:29 Listener's Question: Discerning God's Will 03:36 Bible Verse 04:14 Personal Story: The Virtual Hermit 07:43 Steps to Enhance Real Connections 12:05 Conclusion Schedule Appointment with Saggio Management Group, Inc. https://app.acuityscheduling.com/schedule/fabfb9f2/appointment/8258839/calendar/2141336?appointmentTypeIds[]=8258839 Digital Sabbath Episode Prompter | Elgato Facebook Group LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW <a href="https:/
S6 E239 · Mon, August 26, 2024
How 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 shares compelling stories of two couples with vastly different retirement outcomes and presents hard data on average retirement savings by age. He offers actionable advice on maximizing contributions, cutting unnecessary expenses, and seeking professional help. Throughout the episode, Ralph intertwines financial wisdom with spiritual guidance, emphasizing the importance of planning and preparation in all aspects of life, including finances. 00:00 Episode Overview 00:53 Listener's Question: Retirement Concerns 02:57 A Tale of Two Retirements 05:02 Retirement Savings Statistics by Age 08:45 Strategies to Boost Your Retirement Savings 12:32 Faith and Financial Planning 13:22 Recap and Call to Action Schedule Appointment with Saggio Management Group, Inc. https://app.acuityscheduling.com/schedule/fabfb9f2/appointment/8258839/calendar/2141336?appointmentTypeIds[]=8258839 What Is the Average Retirement Savings by Age? - NerdWallet LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST </p
S6 E238 · Sun, August 25, 2024
How 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, emphasizing prayer, scripture study, and seeking wise counsel. Ralph also highlights the importance of recognizing open doors, trusting the peace in your heart, and being patient. As he interweaves biblical teachings and personal anecdotes, Ralph offers seven actionable steps to help listeners align their decisions with God's will. 00:00 Episode Overview 01:09 Listener's Question: Discerning God's Will 02:44 Bible Verse 03:06 Personal Story: Finding My Path 06:35 Steps to Discern God's Will 08:44 Closing Prayer 09:20 Final Thoughts Schedule Appointment with Saggio Management Group, Inc. LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Facebook and follow us on Facebook at <a href="https://www.facebook.com/askralphmedia" r
S6 E237 · Sat, August 24, 2024
What 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 Living Will, Birth Certificate, Marriage Certificate, Social Security Card, and Insurance Policies. He offers practical advice on both physical and digital storage solutions and emphasizes sharing this information with trusted individuals. 00:00 Episode Overview 01:05 Listener Question 02:50 Biblical Perspective on Financial Preparedness 04:00 Document 1: Last Will and Testament 04:43 Document 2: Power of Attorney 05:04 Document 3: Healthcare Proxy or Living Will 06:00 Document 4: Birth Certificate 06:23 Document 5: Marriage Certificate 06:42 Document 6: Social Security Card 07:05 Document 7: Insurance Policies 07:24 Storing Your Essential Documents Safely 08:13 Sharing Document Information with Trusted Individuals 09:00 Recap and Actionable Steps 11:27 Conclusion Schedule Appointment with Saggio Management Group, Inc. www.ssa.gov LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST Please share our Podcast with all your friends and family! Submi
S6 E236 · Fri, August 23, 2024
What are the top financial tips for transitioning into retirement?
What are the top financial tips for transitioning into retirement? As you approach this significant life milestone, you may feel a mix of excitement and anxiety about financial preparedness. Ralph Estep Jr. provides a comprehensive guide to help ensure a smooth retirement transition. How Can You Develop a Retirement Income Strategy to Make Your Savings Last? | Ask Ralph Podcast In this episode of The Ask Ralph Show, host Ralph Estep, Jr. shares essential financial tips for those preparing to retire. Drawing from his extensive experience working with clients, Ralph covers a range of crucial areas, including assessing current financial situations, estimating retirement expenses, developing income strategies, addressing healthcare costs, reviewing investment portfolios, and planning for Social Security and estate planning. These practical insights aim to help listeners approach this new chapter of life with confidence and the peace of mind that comes from knowing their finances are in order. 00:00 Introduction 01:16 Listener’s question 03:40 Bible Verse 05:15 Estimating retirement expenses 06:30 Retirement income strategy 08:00 Healthcare costs 09:45 Reviewing investment strategy 11:00 Social Security strategy 12:00 Planning for required minimum distributions 13:15 Updating estate planning documents 13:45 Staying flexible and open to change 14:03 Conclusion Schedule Appointment with Saggio Management Group, Inc. LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST Please share our Podcast with all your friends and family! Submit your questions or ideas for future shows - email us at <a href="mailto:ralph@askralph.com" rel="noopener
S6 E235 · Thu, August 22, 2024
Where 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 different account types to your advantage, and ways to optimize your retirement income for tax efficiency. 00:00 Episode Overview 01:14 Listener’s Question 02:35 Bible Verse 04:03 Differences of Retirement Accounts 04:36 Required Minimum Distributions (RMDs) 05:10 Tapping into Taxable Accounts 05:55 Bracket Filling 06:51 Save Roth Accounts for Last 07:12 Roth conversions 07:52 Personal Stories 09:29 Actionable steps Schedule Appointment with Saggio Management Group, Inc. LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmed
S6 E234 · Wed, August 21, 2024
What 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 businesses and shares personal experiences and practical tips, including budgeting, building an emergency fund, debt repayment, and investment. Additionally, Ralph delves into unique strategies such as reverse accounts payable, bartering, and the envelope system, providing valuable insights for both business owners and personal finance enthusiasts. 00:00 Episode Overview 01:13 Listener’s Question 02:06 Ralph's Personal Experience with Cash Flow 03:09 Bible Verse 03:36 Essential Money Management Tips 06:15 Additional Tips for Business Owners 09:19 Unconventional Cash Management Strategies 13:30 Conclusion and Recap 14:26 Closing Remarks Schedule Appointment with Saggio Management Group, Inc. LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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
S6 E233 · Tue, August 20, 2024
What is the future of artificial intelligence and how does it impact my Christian Faith?
Is artificial intelligence a helpful tool or a danger to our faith? What does this mean for us as Christians? How can we use AI responsibly while remaining faithful to our beliefs? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr. as he talks about concerns regarding artificial intelligence. What Is The Future Of Artificial Intelligence And How Does It Impact My Christian Faith? With Ralph Estep, Jr. In today's episode, Ralph delves into the complex relationship between artificial intelligence and Christianity. He addresses a listener's concerns about how AI might affect their work and faith, offering practical advice on harnessing AI for productivity, personal finance, healthcare, education, and business insights while staying true to Christian values. Ralph also discusses the potential pitfalls of AI, such as job displacement, privacy issues, algorithmic bias, and ethical dilemmas, emphasizing the importance of discernment, stewardship, and maintaining human connections. 00:00 Episode Overview 01:09 Listener’s Question 02:42 Bible Verse 03:06 Understanding AI: Benefits and Uses 06:33 AI Pitfalls: Job Displacement and Privacy 09:39 Ethical and Faith-Based Considerations 10:38 Guidelines for Christians Using AI 13:13 Conclusion: Balancing Faith and Technology Schedule Appointment with Saggio Management Group, Inc. http://www.schoolofpodcasting.com/ralph LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST Please share our Podcast with all your friends and family! Submit your questions or ideas for future shows - email us at <a href="mailto:ralph@askralph.com" rel="noope
S6 E232 · Mon, August 19, 2024
Am I paying too much for rent?
Are rising rent costs squeezing your budget? Curious if there's a way to lower your housing expenses without giving up your quality of life? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr. as he talks strategy to combat skyrocketing rent prices. Am I Paying Too Much For Rent? With Ralph Estep, Jr. In this episode, Ralph addresses the challenge of high rental costs and offers practical advice on how to lower your monthly rent without compromising your quality of life. Ralph discusses strategies such as negotiating with landlords, taking on maintenance tasks for rent reductions, and considering roommates or subletting. He also emphasizes the importance of overall financial health and planning. 00:00 Episode Overview 01:10 Listener’s Question 02:30 Bible Verse 03:02 Determining Fair Rent Prices 04:30 Negotiation Tactics with Landlords 07:24 Considering Roommates and Subletting 10:57 Financial Health and Final Tips 12:25 Conclusion Schedule Appointment with Saggio Management Group, Inc. https://www.zillow.com/ https://www.apartments.com/ LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Facebo
S6 E231 · Sun, August 18, 2024
How can I see the holy scriptures with fresh eyes?
Do you ever feel like your Bible study has lost its spark? Are you longing to see the Scriptures in a new light and rekindle your love for God's Word? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr. as he shares ways to view the Scriptures with a fresh perspective. How Can I See The Holy Scriptures With Fresh Eyes? With Ralph Estep, Jr. In this episode of The Ask Ralph Show, host Ralph addresses a heartfelt question from Betty in Oklahoma about reinvigorating her Bible study. Ralph shares practical advice on how to see the scriptures with fresh eyes, including praying for insight, using different Bible translations, and employing the SOAP method. He also connects these principles to financial habits, offering actionable steps to refresh one's approach to both spiritual and financial life. 00:00 Episode Overview 01:00 Listener’s Concern 02:00 Bible Verse 02:59 Practical Tips to Refresh Your Bible Study 09:17 Applying Biblical Principles to Finances 12:39 Conclusion and Actionable Steps Schedule Appointment with Saggio Management Group, Inc. https://app.acuityscheduling.com/schedule.php?owner=15709241&appointmentType=8258839 LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Facebook and follow us on Facebook at <a href="https://www.facebook.com/askralphmedia" re
S6 E230 · Sat, August 17, 2024
Should I refinance my auto loan and how do I even do it?
Is your car payment draining your budget? Do you sometimes feel like it's leading you towards financial trouble? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr. as he talks about refinancing auto loans. Should I Refinance My Auto Loan And How Do I Even Do It? With Ralph Estep, Jr. In this episode of The Ask Ralph Show, Ralph delves into whether refinancing your auto loan can provide financial relief. He addresses a listener's concern about high car payments and discusses the potential benefits of refinancing, such as securing lower interest rates, improved credit scores, and better financial terms. Ralph provides a step-by-step guide on how to refinance, along with personal anecdotes and practical examples. He also emphasizes the importance of careful financial planning and seeking professional advice before making significant financial decisions. 00:00 Episode Overview 00:49 Listener’s Concern 01:50 Bible Verse 02:52 Why Refinance Your Auto Loan? 08:09 Steps to Refinance Your Auto Loan 10:59 Recap and Final Thoughts 11:41 Outro Schedule Appointment with Saggio Management Group, Inc. Lendingtree.com Bankrate.com LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 <a href="https://www.askralphpodcast.com/" rel="noopener noreferrer" targ
S6 E229 · Fri, August 16, 2024
How 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 clear explanations about eligibility, benefit amounts, and the necessary steps for application, including practical advice on reporting the death, gathering documents, and deciding when to claim the benefits. Ralph also dispels common misconceptions and answers frequently asked questions. Throughout the episode, he emphasizes patience, persistence, and the importance of seeking support from friends, family, and professionals during this challenging time. 00:00 Episode Overview 01:01 Listener’s Concern 02:18 Bible Verse 02:44 Understanding Social Security Survivor Benefits 03:28 Eligibility for Survivor Benefits 04:29 Calculating Benefit Amounts 05:11 Steps to Claim Survivor Benefits 09:50 Common Questions and Misconceptions 11:46 Actionable Steps and Final Thoughts 13:19 Conclusion Join our email list and get a free copy of “Mastering Your Finances” at https://askralph.com/ Schedule Appointment with Saggio Management Group, Inc. ssa.gov LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN
S6 E228 · Thu, August 15, 2024
I 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 checklist to help newly married couples navigate their new financial landscape, ensuring they are well-prepared to tackle these changes and potentially save money. The importance of tax planning and the potential impact on tax credits and deductions are also discussed. Additionally, Ralph emphasizes the value of proper planning and offers resources for further assistance. 00:00 Episode Overview 00:57 Listener’s Concern 02:21 Bible Verse 03:10 Comprehensive Newlywed Tax Checklist 04:38 Filing Status and Withholdings 06:21 Deductions and Benefits 07:30 Financial Planning for Newlyweds 11:43 Recap and Final Thoughts 13:15 Outro Join our email list and get a free copy of “Mastering Your Finances” at https://askralph.com/ Application for Social Security Card Form W-4 – 2024 Schedule Appointment with Saggio Management Group, Inc. Form 8822, Change of Address LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPOR
S6 E227 · Wed, August 14, 2024
What 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 shop visits and unused subscriptions, Ralph provides practical tips that can save listeners thousands of dollars annually. The episode also opens with a question from a listener named Sheila, exploring the fear of feeling deprived when cutting expenses. Throughout, Ralph integrates a Christian perspective, including insights from the Bible, to encourage financial stewardship. Additionally, Ralph shares actionable steps to help listeners review and reduce their spending, aligning their finances with their values and long-term goals. 00:00 Episode Overview 01:01 Listener’s Concern 02:07 Bible Verse 02:41 Top 10 Expenses You Can Drop Now 02:50 Detailed Breakdown of Each Expense 09:30 Actionable Steps to Save Money 10:56 Conclusion Join our email list and get a free copy of “Mastering Your Finances” at https://askralph.com/ LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 <a href="https://www.askralphpodcast.com/" rel="noopener no
S6 E226 · Tue, August 13, 2024
Should 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 for 24 hours can lead to spiritual renewal, improved mental health, enhanced productivity, stronger relationships, and even financial benefits. Responding to a listener's question from Juliet in Atlanta, Ralph offers practical advice on how to implement a Digital Sabbath, stressing the importance of balance and intentionality. He recounts his personal experience with disconnecting, revealing the positive impact it has had on his faith, business, and personal life. 00:00 Episode Overview 01:01 Listener’s Concern 02:10 Bible Verse 03:12 Understanding the Digital Sabbath 03:53 Benefits of a Digital Sabbath 06:24 Implementing a Digital Sabbath 08:38 Personal Experiences and Gains 10:45 Actionable Steps to Start Your Digital Sabbath 11:54 Conclusion Join our email list and get a free copy of “Mastering Your Finances” at https://askralph.com/ LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 <a href="https://www.askralphpodcast.com/" rel="no
S6 E225 · Mon, August 12, 2024
Should 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 pitfalls like fees, complexity, and tax implications. He offers practical tips for managing multiple accounts, setting reminders, and staying true to long-term financial goals. Ralph also discusses the importance of approaching financial decisions with wisdom and integrity. Tune in to learn whether playing the bank bonus game aligns with your financial stewardship from a Christian perspective. 00:00 Episode Overview 01:02 Listener's Question 02:21 Bible Verse 03:08 Understanding Bank Bonuses 04:04 Pros of Bank Bonuses 05:19 Cons of Bank Bonuses 07:11 Tax and Credit Implications 09:13 Practical Tips for Bank Bonus Hunting 11:43 Final Thoughts Links mentioned: https://www.chexsystems.com/ https://www.earlywarning.com/ LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Facebook and follow us on Facebook at <a href="https://www.facebook.com/askralphmedia" rel="noopener noreferr
S6 E224 · Sun, August 11, 2024
Am I too far gone for forgiveness?
Have you ever felt like your mistakes were too big to be forgiven? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr. as he explores redemption and forgiveness from a Christian perspective. Am I Too Far Gone For Forgiveness? With Ralph Estep, Jr. In this episode, Ralph addresses a listener's question about finding spiritual and financial redemption after making severe financial mistakes. He discusses steps like understanding God's infinite love, genuine repentance, making amends, seeking professional help, rebuilding finances, and leaning on your faith community. Drawing from biblical principles, Ralph emphasizes the importance of careful financial and spiritual planning. Discover how to navigate your path to redemption and ensure a secure and faith-filled future. 00:00 Episode Overview 01:12 Listener’s Concern 02:53 God's Forgiveness and Redemption 04:23 Repentance and Change of Heart 05:18 Making Amends 06:05 Seeking Professional Help 06:32 Rebuilding Finances 07:20 Leaning on Faith Community 08:10 Using Your Story to Help Others 09:19 Closing Prayer 09:57 Final Thoughts 11:05 Outro LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit <a href="https://www.askralphpodcast.com/"
S6 E223 · Sat, August 10, 2024
How Can High Income Individuals Optimize Their Taxes?
Are you a high-income earner looking to optimize your taxes while staying true to your Christian values? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr. as he dives into tax strategies guided by biblical principles. How Can High Income Individuals Optimize Their Taxes? With Ralph Estep, Jr. In this episode, Ralph addresses a listener's question about balancing tax optimization with faith-based stewardship. He discusses tips like maximizing retirement contributions, investing in tax-efficient funds, utilizing charitable giving, and estate planning. Drawing from biblical wisdom and personal experiences, Ralph emphasizes the importance of careful financial planning. Discover how to align your tax strategy with your faith and ensure effective financial stewardship. https://www.irs.gov/ https://www.id.me/ 00:00 Episode Overview 00:43 Listener’s Concern 01:45 Bible Verse 02:34 Beginning of Interview 05:11 Tax Tips for High Income Individuals 15:17 Legal Documents and Tax Loss Harvesting 18:25 Tax-Efficient Investing Strategies 24:03 Tax Planning, Audits, and Intentional Financial Decisions 27:24 Accounting and Financial Management for Small Businesses 31:22 Wealth Definition, Relationships, and Planning for the Future 36:29 Final Word 37:03 Outro LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Facebook and follow us on Facebook at <a href="https://www.facebook.com/as
S6 E222 · Fri, August 09, 2024
What is meant by the social security earnings cap and how does that affect my future benefits?
Are you curious about why your Social Security benefits might be less than expected? Wondering how the Social Security earnings cap could impact your future? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he explains the Social Security earnings cap and its effects. What Is Meant By The Social Security Earnings Cap and How Does That Affect My Future Benefits? With Ralph Estep, Jr. In this episode, Ralph addresses a listener's question about the earnings cap, discussing its impact on Social Security taxes and future benefits. He highlights the importance of understanding the cap for effective retirement planning, emphasizing the need for additional savings and diversification. Drawing from biblical principles and personal experiences, Ralph underscores the value of careful financial planning. Discover how to navigate the Social Security earnings cap and ensure a secure retirement while maintaining your financial stewardship and faith. 00:00 Episode Overview 00:46 Listener’s Concern 01:44 Bible Verse 02:13 The Social Security Earnings Cap Explained 04:51 Effect on Retirement Planning 05:59 Ralph’s Personal Experience 07:03 Why Everyone Should Understand The Cap 07:59 Actionable Steps 09:17 Recap 11:08 Final Thoughts and Outro Social Security Administration: https://www.ssa.gov/ LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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</
S6 E221 · Thu, August 08, 2024
What is the tax impact of gifting someone stock?
Are you considering gifting stocks to a loved one but worried about the tax implications? Want to share your financial blessings while being a good steward of your resources? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he explores the tax impacts of gifting stocks and ways to minimize them. What Is The Tax Impact of Gifting Someone Stock? With Ralph Estep, Jr. In this episode, Ralph addresses a listener's question about gifting stocks to help with education expenses and delves into key points such as the annual gift tax exclusion, capital gains considerations, and strategies like contributing to a 529 Plan or using a donor-advised fund. Drawing from biblical principles and personal experiences, he emphasizes the importance of being a cheerful and wise giver. Discover how these strategies can help you maximize the impact of your generosity and navigate the complexities of gifting stocks while maintaining your financial stability and faith. 00:00 Episode Overview 00:56 Listener’s Concern 01:50 Bible Verse 02:29 Basics of Gifting Stocks 04:46 Strategies to Reduce Tax Impact of Gifting Stocks 06:29 Hypothetical Examples of Gifting Stocks 08:50 Recap 09:45 Actionable Steps 10:42 Final Thoughts 11:46 Outro LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Facebook and follow us on Facebook at h
S6 E220 · Wed, August 07, 2024
How do I rebuild my credit after a financial crisis?
Are you struggling to rebuild your credit after a financial crisis? Feeling overwhelmed by debt and looking for guidance? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he discusses strategies for rebuilding credit after a financial setback. How Do I Rebuild My Credit After A Financial Crisis? With Ralph Estep, Jr. In this episode, Ralph delves into both conventional methods, like checking your credit report and making timely payments, and unconventional methods, such as rent reporting services and peer-to-peer lending. Drawing from biblical principles and personal experiences, he provides spiritual strategies for overcoming financial crises. He emphasizes the importance of patience, discipline, and trusting in God's guidance. Discover how these strategies can help you rebuild your credit, restore your financial stability, and deepen your faith. 00:00 Episode Overview 01:05 Listener’s Concern 02:25 Bible Verse 03:09 Conventional Methods for Rebuilding Credit 04:55 Unconventional Methods for Rebuilding Credit 07:15 Actionable Steps 08:29 Ralph’s Personal Experience 10:14 Recap and Final Thoughts 11:39 Outro Annual Credit Report: https://www.annualcreditreport.com/ LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Facebook and follow us on Facebook at <a href="https://www.facebook.com
S6 E219 · Tue, August 06, 2024
How do I set healthy boundaries with social media from a Godly Perspective?
Are you struggling to balance your social media use with your responsibilities and faith? Feeling overwhelmed by the digital distractions and looking for guidance from a Christian perspective? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he discusses strategies for setting healthy boundaries with social media. How Do I Set Healthy Boundaries With Social Media From A Godly Perspective? With Ralph Estep, Jr. In this episode, Ralph delves into practical steps for using social media effectively for business without letting it consume your life, from setting specific goals and scheduling activities to turning off push notifications and considering a virtual assistant. Drawing from biblical principles and personal experiences, he provides spiritual strategies for maintaining a healthy relationship with social media. He emphasizes the importance of self-discipline, planning, and trusting in God's guidance. Discover how these strategies can help you manage your social media use, reduce digital distractions, and deepen your faith. 00:00 Episode Overview 01:08 Listener’s Concern 02:31 Bible Verse 03:39 Using Social Media Effectively for Business 06:18 Spiritual Strategies for Healthy Social Media Use 08:45 Overcoming Social Media Addiction 10:42 Ralph’s Personal Experience 11:13 Recap and Final Thoughts 13:23 Outro LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Facebook and follow us on Fac
S6 E218 · Mon, August 05, 2024
How am I going to pay for the childrens college education?
Are you worried about how to fund your children's college education? Feeling overwhelmed by the financial burden and looking for guidance from a Christian perspective? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he introduces various strategies for easing the cost of college. How Am I Going to Pay for The Children's College Education? With Ralph Estep, Jr. In this episode, Ralph delves into a range of options—from traditional methods like filling out the FAFSA and searching for scholarships, to creative solutions such as dual enrollment programs and community college pathways. Drawing from biblical principles and personal experiences, he provides practical steps for reducing college costs, from early FAFSA submission to exploring work-study programs and additional financial aid options. He emphasizes the importance of planning, creativity, and trusting in God's provision. Discover how these strategies can help you manage college expenses, reduce financial stress, and deepen your faith. 00:00 Episode Overview 00:51 Listener’s Concern 01:56 Bible Verse 02:28 Options for Funding College Education 02:41 Filling Out the FAFSA 04:08 Scholarships 05:48 Creative Funding Options 07:02 Student Loans and Work Study Programs 08:55 A Personal Story from Ralph 09:55 Recap 11:12 Actionable Steps 12:08 Outro LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Facebook and follow us
S6 E217 · Sun, August 04, 2024
How do I respond to financial trials and uncertainty by using my faith?
Feeling overwhelmed by financial trials and looking for a way to find peace and spiritual growth? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he explores how to use faith to navigate financial hardships and blessings. How Do I Respond To Financial Trials and Uncertainty by Using My Faith? With Ralph Estep, Jr. In this episode, Ralph addresses the anxiety of mounting bills and the challenge of maintaining faith amidst financial uncertainty. Through personal anecdotes and listener letters, he offers practical advice on relying on God, remembering where true wealth lies, and being a good steward of resources. Drawing from biblical principles and his experiences, Ralph provides actionable steps to manage finances with faith, encouraging listeners to trust in God, seek peace through prayer, and remain humble and generous in prosperity. Discover how to find true financial freedom and deepen your faith by mastering your finances from a Christian perspective. 00:00 Episode Overview 01:12 Listener’s Concern 02:41 Bible Verse 03:12 Responding to Financial Trials with Faith 05:36 Remembering Where True Wealth Lies 06:36 Praising God in Times of Financial Blessing 09:18 Recap 09:41 Closing Prayer 10:36 Final Thoughts 11:03 Outro LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Facebook and follow us on Facebook at <a href="https://www.facebook.com/askralphmedia" rel="noopener nore
S6 E216 · Sat, August 03, 2024
Is it possible to estimate my future social security benefits?
Are you uncertain about your future Social Security benefits and how to plan for a financially secure retirement? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he guides you through estimating your Social Security benefits and crafting a retirement plan rooted in biblical stewardship. Is It Possible to Estimate My Future Social Security Benefits? With Ralph Estep, Jr. In this episode, Ralph explores the tools provided by the Social Security Administration to estimate your benefits, emphasizing the importance of planning and diligence. He shares insights on how the timing of your benefit claims—such as choosing between starting at age 62 or waiting until 70—can significantly impact your monthly income. He provides actionable steps, from using the SSA's retirement estimator to consulting with financial advisors, ensuring a comprehensive approach to retirement planning. Discover how combining faith and financial foresight can help you achieve a secure and spiritually fulfilling retirement. 00:00 Episode Overview 00:51 Listener’s Concern 01:35 Bible Verse 02:20 Estimating Social Security Benefits 04:59 Factors to Consider 06:15 Christian Perspective on Retirement Planning 07:38 Actionable Steps 09:35 Recap and Final Thoughts 10:47 Call to Action 11:33 Outro ssa.gov LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Facebook and follow us on Facebook at <a href="https://w
S6 E215 · Fri, August 02, 2024
How can I use financial “fasting” to grow closer to God?
Are your finances causing stress and affecting your relationship with God? Feeling overwhelmed by materialism and looking for a way to find peace and spiritual growth? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he introduces the concept of “Financial Fasting.” How Can I Use Financial “Fasting” to Grow Closer to God? With Ralph Estep, Jr. In this episode, Ralph delves into how Financial Fasting—intentionally cutting back on spending to focus on spiritual growth—can help you break free from financial stress and grow closer to God. Drawing from biblical principles and personal experiences, he provides practical steps for starting your own financial fast, from setting a specific timeframe to redirecting resources towards giving and saving. He emphasizes the broader impact of financial fasting, not just for personal growth, but also for helping others in need. Discover how financial fasting can help you find true freedom and deepen your faith. 00:00 Episode Overview 01:02 Listener’s Concern 01:37 Bible Verse 02:16 Defining Financial Fasting 03:02 Ralph’s Experience 03:33 Actionable Steps 08:15 Materialism and Our Relationship with God 07:08 Financial Fasting Story 08:12 Recap and Final Thoughts 10:06 Outro LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Facebook and follow us on Facebook at <a href="https://www.facebook.com/askralphmedia" rel="noopener noreferrer" target=
S6 E214 · Thu, August 01, 2024
How 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 also shares a personal story about his own audit experience, emphasizing the importance of staying calm, being prepared, and seeking professional help if needed. Tune in to get knowledge and tools needed to approach an IRS audit with a calm, prepared mindset, rather than succumbing to panic and fear. 00:00 Episode Overview 01:01 Listener Question: Receiving an IRS Audit Notice 01:58 Bible Verse 02:32 Handling an IRS Audit 04:19 What Not to Do During an IRS Audit 06:42 Taxpayer Rights 08:15 Ralph’s Experience 09:26 Actionable Steps to Prevent IRS Audits 11:04 Outro LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit <a href="https://www.askralphpodcast.com/" rel="noopener noreferrer" target=
S6 E213 · Wed, July 31, 2024
What 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 Show, Ralph Estep Jr. talks about seven key financial perks of maintaining great credit, including lower interest rates, higher chances of loan approval, higher credit limits, and much more. He also explains how poor credit can cost listeners money through higher interest rates, denied loan applications, and fewer options for renting or buying a home. Tune in to learn how to leverage great credit to save money on loans, insurance, utilities, and housing, as well as improve their job prospects, and take actionable steps to improve their credit score over time. 00:00 Episode Overview 01:07 Listener Question: Struggling with Credit Score 02:04 Bible Verse 02:56 Perk #1: Lower Interest Rates 04:17 Perk #2: Higher Chances of Loan Approval 05:00 Perk #3: Higher Credit Limits 05:47 Perk #4: Better Insurance Rates 06:22 Perk #5: No Security Deposits on Utilities 07:09 Perk #6: Better Rental Options 08:00 Perk #7: Better Job Prospects 08:36 How Poor Credit Can Cost You Money 09:17 Steps to Improve Credit Score 10:45 Recap 12:05 Final Thoughts and Outro LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST Please share our Podcast with all your friends and family! Submit your questions or ideas for future shows - email us at <a href="mailto:ralph@askralph.com" rel="noopener norefer
S6 E212 · Tue, July 30, 2024
How 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 digital life safe. Whether you're a small business owner or just an internet user, learn how to protect your personal info, avoid identity theft, and follow God's call to stewardship. Ralph answers a listener's question on handling sensitive data, explains the need for strong passwords, two-factor authentication, and avoiding phishing scams. Tune in to see how protecting your digital identity fits with biblical principles and brings peace of mind. 00:00 Episode Overview 00:22 Introduction and Yesterday's Show Recap 01:05 Listener's Question 02:02 Bible Verse 02:25 Understanding Identity Theft 03:30 Practical Steps to Protect Your Online Identity 06:05 The Role of Biblical Stewardship in Online Security 08:13 Personal Experience with Phishing 09:13 Five Actionable Steps to Enhance Online Security 10:35 Recap and Final Thoughts 11:58 Outro www.expressvpn.com nordvpn.com www.identitytheft.gov LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 <a href="https
S6 E211 · Mon, July 29, 2024
Should you get a home equity loan or a home equity line of credit?
When considering tapping into your home equity, have you ever felt unsure whether to opt for a home equity loan or a home equity line of credit (HELOC)? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he discusses the key differences between these two options and helps you decide which is best for your financial needs. Should You Choose a Home Equity Loan or HELOC? with Ralph Estep Jr. In this episode, Ralph explores the financial and emotional aspects of choosing between a home equity loan and a HELOC. He explains the benefits and drawbacks of each, such as fixed versus variable interest rates, flexibility in borrowing, and the risk of overborrowing. Ralph also emphasizes the importance of understanding the associated costs and the potential impact of fluctuating interest rates. Through practical financial advice and biblical wisdom, Ralph aims to help you make an informed decision about managing your home equity. 00:00 Episode Overview 00:22 Introduction to Home Equity Options 01:08 Listener Question from Gabby 02:01 Biblical Perspective on Home Equity 02:34 Pros and Cons of Home Equity Loans 04:11 Pros and Cons of HELOCs 06:01 Cost Considerations 07:17 Choosing the Right Option 09:07 Final Thoughts and Practical Guidelines 09:44 Outro bankrate.com LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Facebook and follow us on Facebook at <a href="https://www.facebook.
S6 E210 · Sun, July 28, 2024
How 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 the biblical perspective on wealth and poverty, emphasizing responsible stewardship, humility, and generosity. He answers a listener's question about balancing financial success with faith, providing practical advice and biblical wisdom. Ralph also discusses the importance of not putting hope in wealth, being generous, and maintaining an eternal perspective regardless of one's financial situation. Tune in for insights on how to navigate the tricky waters of material needs with spiritual growth. 00:00 Episode Overview 00:44 Recap of Yesterday's Show 01:05 Listener's Question 02:01 Bible Verse 03:00 Unpacking the Verse 03:27 Ralph's Personal Experience with Wealth and Guilt 04:35 Three Biblical Instructions for the Wealthy 04:56 1. Don't Be Arrogant 06:01 2. Don't Put Hope in Wealth 07:02 3. Be Generous and Do Good 07:31 Practical Examples of Generosity 08:39 Maintaining a Heavenly Mindset in Poverty 09:09 Practical Steps for Financial Struggles 10:28 Eternal Perspective on Financial Management 10:59 Recap of Key Points 11:51 Preview of Tomorrow's Show: Home Equity Loans vs. Lines of Credit 12:18 Invitation to Join the Community and Get a Free Book 12:47 Closing Prayer 13:35 Outro LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST Please share
S6 E209 · Sat, July 27, 2024
How 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 Paul In 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 simple walking routine can boost your savings and enhance your health. Dave offers easy-to-follow tips for starting and keeping up a walking habit, highlights the importance of good footwear, and explains how walking can lower health risks and cut medical costs. They also touch on the emotional and social perks of walking, like easing boredom and building stronger relationships. Dave’s personal story and love for walking bring inspiring insights and encouragement for listeners. Don’t miss out on learning how walking can positively impact your health, budget, and connections. walkingisfitness.com 00:00 Episode Overview 00:22 Bible Verse 01:25 Interview with David Paul 02:06 Financial Benefits of Walking 03:17 Cost-Effective Exercise Tips 04:31 Saving Money on Parking and Boredom Busters 05:15 Walking During Vacations 06:01 Long-Term Health Savings 08:13 Relationship Building Through Walking 11:01 Starting Your Own Walking Routine 19:32 Turning a Passion for Walking into a Business 25:51 Staying Motivated 34:38 Walking and Faith 42:14 How to Connect with David Paul 42:28 Outro LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST Please share our Podcast with all your friends and family! Submit your questions or ideas for future shows - email us at
S6 E208 · Fri, July 26, 2024
What 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, Ralph Estep Jr. talks about the important rules for 401K and retirement account beneficiaries. He explains how filling out and updating your beneficiary forms is crucial since these forms, not your will, decide who gets your retirement money when you pass away. He also talks about avoiding probate issues and why you should review your financial documents every year, especially after big life changes like getting married, divorced, or having a child. Tune in to get practical tips on handling beneficiary designations, knowing about spousal rights, and the importance of naming contingent beneficiaries. 00:00 Episode Overview 01:12 Listener’s Question 01:57 Bible Verse 02:24 Power of the Beneficiary Designation Form 04:00 Spousal Rights and Exceptions 04:45 Contingent Beneficiaries 05:21 Avoiding Probate 05:50 Reviewing and Updating Beneficiary Designations 07:17 Actionable Steps 07:46 Final Thoughts 08:19 Outro LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 <a href="https://www.askralphpodcast.com/" rel="noopener noreferrer
S6 E207 · Thu, July 25, 2024
How 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 401K withdrawals. Ralph explores various strategies to keep more of your hard-earned money, such as understanding your tax bracket, considering Roth conversions, and exploring tax-advantaged withdrawal options. He also emphasizes the importance of consulting with a qualified financial advisor to develop a personalized plan. Tune in to gain practical financial advice and biblical wisdom for better managing your retirement savings. 00:00 Episode Overview 01:25 Listener Question 02:12 Understanding Your Tax Bracket 04:27 Roth Conversions 05:44 Tax-Advantaged Withdrawal Options 08:13 State Taxes Considerations 08:33 Final Thoughts 09:33 Outro LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askra
S6 E206 · Wed, July 24, 2024
How 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 tax traps that might get you in trouble with the IRS. Ralph answers a listener's question about creative tax strategies from a financial seminar and offers practical advice to keep you on the right path. He highlights the importance of integrity, points out common tax frauds to avoid, and touches on the role of faith in financial matters. Join Ralph for some valuable tips and biblical wisdom to help you smoothly navigate the complexities of tax filing. 00:00 Episode Overview 00:29 Introduction 01:27 Listener's Question 02:25 Bible Verse 02:59 Common Tax Frauds and How to Avoid Them 05:12 Actionable Steps for Honest Tax Filing 07:29 Key Takeaways and Final Thoughts 07:47 Outro LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia
S6 E205 · Tue, July 23, 2024
What 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 line with their Christian beliefs but feels lost with the choices and worried about scams. Ralph breaks down easy steps to define your values, research investments, and find faith-based funds and trustworthy advice. He also points out warning signs like promises of high returns, pushy sales tactics, lack of clarity, and spiritual manipulation. Join Ralph for some practical financial tips and biblical wisdom to help you invest wisely and stay true to your faith. 00:00 Episode Overview 01:15 Listener’s Question 02:14 Bible Verse 02:53 Defining Faith-Based Investing 03:29 Actionable Steps for Faith-Based Investing 05:35 Avoiding Scams and Red Flags 07:39 Personal Story 08:52 Encouragement and Final Thoughts 9:47 Outro www.ecfa.org LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Facebook and follow us on Facebook at <a href="https://www.facebook.com/askralphmedi
S6 E204 · Mon, July 22, 2024
How do I repair my bad credit?
Is a bad credit score dragging you down and making it hard to reach your financial goals? Fixing bad credit might seem tough, but it doesn't have to be. Tune into Ralph Estep, Jr. on the Ask Ralph Podcast for clear steps to improve your credit, all while keeping faith at the forefront. How Do I Repair My Bad Credit? With Ralph Estep Jr. In this show, Ralph breaks down essential steps for repairing bad credit, from understanding your credit report to disputing errors and creating a budget. Whether you're just starting your credit repair journey or looking for additional tips, this episode provides valuable insights to help you achieve financial freedom. Now is the time to take control of your financial future! 00:00 Episode Overview 01:06 Listener’s Question 02:22 Bible Verse 03:00 Step One: Know Where You Stand 03:45 Step Two: Dispute Errors 04:20 Step Three: Create a Budget and Stick to It 05:02 Step Four: Pay Your Bills on Time 05:29 Step Five: Reduce Your Credit Utilization 06:03 Step Six: Become an Authorized User 06:25 How Long Will It Take to Repair Credit? 06:55 Avoiding Credit Repair Scams 08:28 Final Thoughts 10:01 Outro LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visi
S6 E203 · Sun, July 21, 2024
What does biblical tithing actually mean and how do I develop a giving plan based on biblical principles?
Have you ever wondered if you're giving enough to your church? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he discusses the biblical principles of tithing and how to develop a giving plan that aligns with your faith and financial goals. What Does Biblical Tithing Actually Mean? with Ralph Estep Jr. Today, Ralph talks about the principles of biblical tithing and how to develop a giving plan that aligns with your faith and financial goals. He addresses common concerns about tithing, such as balancing finances while honoring God with your money. He also explains the biblical foundation of tithing, the significance of a generous heart, and practical steps to grow in your giving journey. Ralph also answers listener questions, shares personal stories, and offers advice on managing finances with faith. Tune in for practical financial advice and biblical wisdom to help you understand and implement tithing in your life. 00:00 Episode Overview 01:14 Listener Question 02:04 Bible Verse 02:43 Understanding Biblical Tithing 05:24 Practical Steps to Cultivate Generosity 06:39 Growing in Sacrificial Giving 07:53 Final Thoughts 10:12 Outro LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit <a hr
S6 E202 · Sat, July 20, 2024
What 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 Podcast In 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 dwelling coverage to personal liability, he breaks down the details and provides actionable tips for ensuring your home is properly insured. Ralph also shares a listener's question about navigating insurance policies and highlights the importance of being a good steward of your assets. Tune in for practical advice and biblical wisdom to make informed decisions about your homeowners insurance. 00:00 Episode Overview 01:14 Listener's Question 02:26 Bible Verse 03:12 Demystifying the 8 Types of Home Insurance 03:24 Dwelling Coverage 04:11 Other Structures Coverage 04:46 Personal Property Coverage 05:31 Loss of Use Coverage 06:01 Personal Liability Coverage 06:38 Medical Payments Coverage 07:15 Additional Living Expenses (ALE) 07:46 Endorsements or Riders 08:40 Final Tips and Conclusion LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Li
S6 E201 · Fri, July 19, 2024
Is it better to rent or buy a home? How do I decide what’s best for me?
Are you losing sleep over the age-old question: should you rent or buy a home? Imagine the pressure of everyone telling you homeownership is the key to financial security and the American Dream. But with soaring interest rates and skyrocketing costs, is it all it's cracked up to be? What if tying yourself down to one place isn't the right move for you right now? Listen to Ralph Estep, Jr. on the Ask Ralph Podcast as he clarifies the complex decision that overwhelms many about buying or renting a home. Is It Better To Rent Or Buy A Home? How Do I Decide What’s Best For Me? With Ralph Estep Jr. Today, Ralph discusses the pros and cons of renting versus buying a home. He explores practical steps to assess your situation, from creating a budget to calculating debt-to-income ratios. More importantly, he shares biblical tips on how to find peace in your decision, even in the face of fear and uncertainties in this world. Tune into this episode for a balanced exploration of the rent vs. buy dilemma, backed by practical advice and spiritual insights to guide your path forward. 00:00 Episode Overview 01:07 Listener’s Question 02:05 Bible Verse 02:43 Buying Vs. Renting Home 03:51 Weighting Factors To Decide 04:37 Tip#1: Create A Budget 05:11 Tip#2: Calculate Your Debt To Income Ratio 06:07 Tip#3: Get Pre-Approved For A Mortgage 06:28 Tip#4: Costs Of Homeownership 06:48 Tip#5: Pray For Guidance 06:59 Where Does True Sense Of Security Come From? 07:50 State of Economy as a Factor 08:34 Final Thoughts 09:08 Outro LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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
S6 E200 · Thu, July 18, 2024
What is the Secure Act 2.0 and how does this affect my retirement?
Are you feeling overwhelmed by the complexities of retirement planning? Does mentioning new legislation like the SECURE Act 2.0 make your head spin? In a world where financial security seems increasingly elusive, many of us are left wondering how to prepare for a comfortable retirement when I'm struggling to keep up with today's expenses. Listen to Ralph Estep, Jr. on the Ask Ralph Podcast as he discusses the Secure Act 2.0 and its impact on retirees and small business owners. What is the Secure Act 2.0, and How Does It Impact Your Retirement? With Ralph Estep Jr. In this show, Ralph explains the Secure Act 2.0 in plain language, explores its key provisions, and reveals how to leverage these changes to build a more prosperous retirement. This episode will equip you with the understanding you need to navigate the changing landscape of retirement planning. Tune in to discover how the Secure Act 2.0 could be the game-changer you've been waiting for. 00:00 Episode Overview 01:35 Listener’s Question 02:53 Bible Verse 03:23 What is the Secure Act 2.0? 04:28 Why You Should Start Planning Retirement Early? 04:56 Easier catch-up contributions 05:40 Expanded small business retirement plan options 06:10 Be proactive about your financial future 06:45 Tomorrow’s Episode Preview 07:12 Outro LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Facebook and follow us on Facebook at <a href="https://www.facebook.
S6 E199 · Wed, July 17, 2024
My credit score has dropped below 700, what do I need to stop doing right away to improve my credit score?
Are you frustrated by unexpected drops in your credit score? Do you feel like you're doing everything right, yet your score still takes a hit? Many people struggle with maintaining a good credit score, even when they think they follow all the rules. Imagine checking your credit score one day only to find it has plummeted below 700 points for no apparent reason. It's a shock that can leave you feeling helpless and confused. Listen to Ralph Estep, Jr. on the Ask Ralph Podcast as he explains the key factors that can unexpectedly lower your credit score and provides pro tips on stopping them from dropping. How Can I Quickly Improve My Credit Score After It Drops Below 700? With Ralph Estep Jr. In this show, Ralph explores the hidden factors impacting your credit score and reveals creative strategies for improving it quickly. From becoming an authorized user on someone else's credit card to strategically requesting credit limit increases, we'll cover methods you may have never considered. Take control of your credit score and unlock better financial opportunities. Discover how you can transform your credit profile starting today! 00:00 Episode Overview 00:51 Listener’s Question 01:34 Bible Verse 02:03 What Causes Your Credit Score To Drop Unexpectedly? 02:18 High Credit Utilization Ratio 02:34 Late Payments 03:03 Hard Credit Inquiries 04:05 Inaccurate Information 04:43 Changes In Credit 05:25 How Can You Start Improving Your Credit Score Quickly? 05:37 Tip #1: Become Someone Else’s Authorized Credit Card User 06:27 Tip#2: Pay Down Balances As Aggressively As Possible. 07:09 Tip#3: Use Credit Cards Responsibly 07:45 Tip#4: Consider Adding New Types Of Credit 8:52 Episode Recap 09:33 Outro LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST Please share our Podcast with all your friends
S6 E198 · Tue, July 16, 2024
What are the best online sources for online banking, bill payment and what are best ways to keep from gettng scammed?
Does the idea of online banking make you uneasy? Are you worried that one wrong click could lead to financial disaster? Managing your money online can feel like navigating a minefield in today's digital age. With the constant threat of scams, fraud, and cyber attacks, it's no wonder many people are hesitant to embrace digital financial tools. Listen to Ralph Estep, Jr. on the Ask Ralph Podcast as he tackles these common fears head-on, providing practical solutions for safe online banking and bill payments. What Are The Best Online Sources For Online Banking, And How To Avoid Getting Scammed? With Ralph Estep Jr. In this show, Ralph breaks down essential online security measures, recommends trustworthy banking apps, and shares insider tips on protecting yourself from scams. Whether you're a tech-savvy millennial or a cautious traditionalist, this episode provides valuable insights to help you make the most of online banking while safeguarding your financial future. Now is the time to take control of your digital dollars and cents! 00:00 Episode Overview 01:08 Listener’s Question 02:02 Bible Verse 02:24 Choose Reputable Institutions 03:17 Create Strong And Unique Passwords 04:00 Be Wary Of Phishing Scams 04:48 Keep Your Software Up To Date 05:20 Monitor Your Accounts Regularly 06:03 Online Banking Relationship Checklist 08:44 Great Apps For Managing Your Online Banking 09:31 Final Thoughts 10:13 Outro LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 <a href="https://www.askralphpodcast.com/" rel="noopener noreferrer" t
S6 E197 · Mon, July 15, 2024
How do I select the credit card which is best for me?
Are you confused by all the credit card offers you get? Do you want to use credit cards wisely without getting into debt? It can be hard to pick the right card when there are so many choices and rewards. If you're new to credit cards, you probably want to find the best one for you and learn how to use it well. Listen to Ralph Estep, Jr. on the Ask Ralph Podcast as he talks about these common problems and gives helpful advice for beginners and business owners. How Do I Select the Credit Card Which is Best for Me? With Ralph Estep Jr. In this show, Ralph explores the challenges of responsibly building credit, choosing the right card for your needs, and navigating the enticing world of rewards. Join us as we break down the essentials of credit card selection, discuss biblical wisdom on financial stewardship, and provide actionable tips for managing your credit responsibly. This episode offers valuable insights to help you make informed decisions about credit cards and use them as a tool to build financial success. 00:00 Episode Overview 01:37 Listener’s Question 02:34 Bible Verse 03:06 Why Do You Need A Credit Card? 03:27 Credit Card For Beginners 04:11 Truth On Credit Card Rewards 04:37 Tips For Using Credit Cards Wisely 05:41 Final Thoughts 06:02 Outro LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Facebook and follow us on Facebook at <a href="https://www.facebook.com/askralphmedia" rel="noopener no
S6 E196 · Sun, July 14, 2024
How do I stop battling comparison with others and find contentment in Christ?
Are you tired of feeling inadequate when scrolling through social media? Do you constantly compare your financial situation to others, wondering why God hasn't blessed you similarly? Many of us struggle with the painful comparison cycle, which leaves us questioning our worth and blessings. Tune into this episode of the Ask Ralph Podcast with Ralph Estep, Jr., as he tackles the pervasive issue of comparison, especially regarding finances, and offers biblical wisdom and practical advice to break free from this trap. Finding True Contentment: How to Stop Comparing Yourself to Others? With Ralph Estep Jr. In this show, Ralph shares personal stories and practical steps guided by biblical wisdom to help you break free from the comparison trap. He emphasizes the importance of gratitude, focusing on your journey, and seeking contentment in Christ. Through this transformative episode, you’ll learn to embrace the blessings before you and experience a peace that surpasses all understanding. Tune in to discover how to reclaim your joy and find true contentment, regardless of your financial situation. 00:00 Episode Overview 01:07 Listener’s Message 02:44 Bible Verse 03:33 How Does Comparison Steal Our Joy? 04:06 Ralph’s Story 05:35 What Are the Practical Steps to Find Contentment? 07:34 Prayer 08:03 Next Episode Preview 08:27 Outro LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Facebook and follow us on Facebook at </p
S6 E195 · Sat, July 13, 2024
How 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 much life insurance do I really need? With Ralph Estep, Jr. In episode 195 of the Ask Ralph Podcast, host Ralph Estep Jr. breaks down the complexities of life insurance into digestible insights. Whether you're a new parent or planning for retirement, this episode offers valuable guidance to help you navigate the often perplexing landscape of life insurance. Tune in to gain clarity, dispel myths, and give yourself the knowledge to make informed decisions about life insurance that align with your faith and financial goals. 00:00 Episode Overview 01:23 Bible Verse 02:06 Listener’s Question 02:52 How much life insurance do you need? 03:31 Two Types Of Life Insurance 04:32 Set Up Your Policy 05:13 Why is Life Insurance important? 06:04 How much life insurance do You need? 07:08 What's the difference between term and whole life insurance? 07:55 Which is the best type of insurance for you? 08:17 Where to buy an insurance? 08:57 Final Thoughts 09:24 Episode Recap 09:40 Outro Links: askralphpodcast.com LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST Please share our Podcast with all your friends and family! Submit
S6 E194 · Fri, July 12, 2024
When is the right time to refinance my home?
Are your house payments making you feel stuck? Want to make your money work better for you? Refinancing might help, but it can be challenging. Tune in to this episode of the Ask Ralph Podcast with Ralph Estep, Jr., as he tackles the complex world of mortgage refinancing and addresses common frustrations and concerns. When is the right time to refinance my home? With Ralph Estep Jr. Many people worry about their house payments and want smarter money plans. Refinancing or changing how you spend money can help. It can be scary to think about, even when banks offer lower interest rates. But it might be a way to free up your money. In this show, Ralph explains when and why to refinance. He uses real-life stories and advice from the Bible to help you understand. He talks about lowering your interest, paying off your loan faster, or using the value of your house. This show will help you decide if refinancing is right for you. Tune in to learn more! 00:00 Episode Overview 00:30 Listener’s Question 01:28 Bible Verse 02:06 What Is Refinancing? 02:48 Lower Interest Rates 03:27 Refinancing In a Short-Term Loan 04:26 Cash-Out Refinance 5:10 Two Types Of Refinancing 5:59 What Is The Cost Of Refinancing? 06:48 How Much Will You Save Each Month? 07:16 The Qualifications for Refinancing 08:03 Connection of Refinancing To Our Faith 09:07 Episode Recap 09:23 Final Thoughts And Outro LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Mes
S6 E193 · Thu, July 11, 2024
What are these FICA taxes taken out of my paycheck and what is the trust fund?
Do you get upset when you see a big chunk of your pay taken out? Are you confused about FICA taxes? Don't worry; you're not the only one. Many people, especially those new to working, wonder where their money goes and if they'll get it back. In the Ask Ralph Podcast episode, Ralph Estep Jr. talks about FICA taxes taken and how they relate to Social Security and Medicare. Are You Ready for Retirement? What Your FICA Taxes Really Mean for Your Future With Ralph Estep, Jr. Today, Ralph explains FICA taxes and why they're good for you in the long run. He talks about Social Security's history, starting during the tough times of the Great Depression. Social Security helps people when they retire, become disabled, or lose a family member who supports them. Ralph also explains how Medicare helps people 65 and older pay for healthcare. Listen to learn more about FICA taxes and how they'll be important for you later in life. 00:00 Episode Overview 00:47 Listener’s Question 02:48 Bible Verse 03:21 What is Social Security? 04:44 Problems with Social Security 05:18 What is Medicare? 06:09 Medicare Financial Challenges 06:40 Episode Recap 07:31 Final Thoughts And Outro LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or vis
S6 E192 · Wed, July 10, 2024
What 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 Podcast, host Ralph Estep Jr. shares practical and unusual tips that can help you find extra money to stash away and grow your savings over time. From simple daily habits to wacky methods, Ralph covers it all. Ralph’s advice focuses not just on cutting costs; it’s about being smart with your money and prioritizing saving. Stay tuned to learn about these game-changing, money-saving tips! 00:00 Episode Overview 01:34 Bible Verse 02:25 The Spare Change Jar 03:09 The $5 Bill Savings Challenge 03:57 Negotiate Better Rates 04:36 Cut Back on Toilet Paper 05:07 Cash Back Apps and Sites 05:42 DIY vs Hiring Out 06:22 Scale Down Memberships and Subscriptions 07:06 Taking Coupons to Extremes 07:47 Hide Savings in Other Accounts 08:40 Work Side Gigs 09:30 Episode Recap 10:30 Final Thoughts And Outro LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Facebook and fol
S6 E191 · Tue, July 09, 2024
What 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 a listener's concern about credit damage due to job loss and reliance on credit cards. Ralph gives an overview of popular credit repair apps and guidance on how to choose the right credit repair app for your situation. He also emphasizes that while technology can help, it's just a tool and not a magic solution. The episode aims to help listeners, who are struggling with credit issues or looking to improve their credit score, in using technology to improve their financial situation while also offering spiritual support and practical advice. 00:00 Episode Overview 00:29 Welcome to Technology Tuesday 00:53 Listener Story 01:29 Bible Verse 02:05 Apps for Credit Repair 03:58 Which App Should I Use? 07:15 Ralph’s Tips 08:33 Final Thoughts 09:37 Outro LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Facebook and follow us on Facebook at <a href="https://www.face
S6 E190 · Mon, July 08, 2024
What 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 stories of financial missteps in his marriages, including a misguided big-ticket purchase that contributed to his first divorce. He then offers practical, biblical wisdom on rebuilding trust, setting shared financial goals, and cultivating healthier money habits as a team. Whether you're newlyweds just starting or a couple on the brink of financial disaster, this episode provides the tools and inspiration needed to align your money management with your values and strengthen your relationships. 00:00 Episode Overview 00:28 Welcome Back to Motivational Monday 02:04 Bible Verse 02:42 10 Money Habits That Could Be Sabotaging Your Relationships 07:42 Build A Stronger Relationships 09:43 Heal From Your Past Financial Mistakes 10:55 Episode Recap 05:51 How to avoid scams? 07:39 Episode Recap 08:12 Outro LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 <a href="https://www.askralphpodcast.com/" rel="noopener noreferrer" target=
S6 E189 · Sun, July 07, 2024
How 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 Ralph Estep Jr. shares his personal experience of facing a career crossroads, weighing a high-paying accounting job against a position at a local credit union. Through this anecdote and biblical wisdom, he offers practical guidance on discerning God's will for your professional life. Tune in to discover how to excel in your work while staying rooted in your Christian values. 00:00 Episode Overview 02:09 Bible Verse 02:33 Evaluating Job Opportunities 03:11 Reflecting on Motivations 03:27 Seeking Wise Counsel 03:53 Staying Spiritually Grounded 05:02 Final Thoughts and Prayer 06:20 Outro LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) o
S6 E188 · Sat, July 06, 2024
How 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 Debt in Collections With Ralph Estep, Jr. In Episode 188 of the Ask Ralph Podcast, host Ralph Estep Jr. tackles the sensitive yet all-too-common issue of dealing with debt collectors. He offers practical, Bible-based strategies for managing overwhelming debt, handling collection calls with integrity, and taking the first steps toward financial freedom. Tune in to discover how making small, faithful steps can set you on the path to becoming debt-free and financially empowered. 00:00 Episode Overview 00:49 Introduction 01:25 Recap of Yesterday’s Episode 01:56 The Issue With Debt Collectors 02:32 Stopping Harassment from Collectors 03:23 The Best Ways to Start Repaying Your Debt 05:40 Negotiating Lower Payoffs 06:50 Steps Toward Rebuilding Credit 07:45 Bible Verse 08:24 Episode Recap and Final Thoughts 09:08 Outro LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 </p
S6 E187 · Fri, July 05, 2024
Is 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? With Ralph Estep, Jr. In Episode 187 of the Ask Ralph Podcast, host Ralph Estep Jr. will help you understand the pros and cons of precious metals IRAs. You'll learn how to evaluate if they're the right fit for your portfolio. We'll also expose the red flags that could indicate a potential scam. Are precious metal IRAs a haven or too good to be true? Whether you're considering diversifying your retirement portfolio or simply curious about alternative investments, this episode offers valuable insights to help you navigate the complex world of precious metal IRAs. Tune in to discover if these shiny investments are truly worth their weight in gold. 00:00 Episode Overview 00:48 Recap And Show Announcements 01:18 Bible Verse 02:13 What in the world is a precious metal IRA? 03:08 Pros of Precious Metal IRA 03:49 Cons of Precious Metal IRA 04:49 How do you actually invest in Precious Metal IRA? 05:51 How to avoid scams? 07:39 Episode Recap 08:12 Outro LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 messag
S6 E186 · Thu, July 04, 2024
How 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 of being taxed twice on your earnings and what kind of records should help save from going through an audit process as well as common errors which could lead to penalties if you are not safe. You will want to experience this episode as you gain resources for emerging victorious with confidence in your multi-state tax situation! Well your entire questions will be answered by Ralph and make you understand this prurient for once. Do not be taxingly alone; let Ralph show you the way to multi-state compliance and serenity. 00:00 Episode Overview 00:21 Recap And Show Announcements 02:06 Bible Verse 02:37 Why will you owe state income taxes where you worked? 03:42 Why will you also owe state income taxes where you lived? 04:14 How may you claim a tax credit? 05:02 How can you determine your state residency status? 05:36 Why should you adjust withholdings or make estimated tax payments? 06:24 How can you file nonresident returns properly? 08:07 Why should you track time spent in each state? 08:59 Why should you pay close attention to retirement contributions? 08:46 Why should you consider the impacts on property and investments? 09:17 Why is it important to maintain good records? 10:49 Outro LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST Please share our Podcast wit
S6 E185 · Wed, July 03, 2024
Is 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 importance of researching local regulations, licensing requirements, and taxes to avoid legal troubles. Ralph advises listeners to consult with local small business lawyers or accountants to ensure their side hustles are set up legally and sensibly. 00:00 Episode Overview 00:24 Recap And Show Announcements 01:50 Bible Verse 02:59 Is Your Side Hustle Illegal? 03:52 Illegal Side Hustle 1: Ride-Sharing Services 04:40 Illegal Side Hustle 2: Be Careful Listing Your Home For Short-Term Rental Sites 05:20 Other Quick Pitfalls To Avoid. 05:53 Researched The Local Regulations Carefully 06:24 What Steps Can You Take To Ensure Your Side Hustle Stays Aboveboard? 08:07 Episode Recap 08:59 Outro LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Facebook and follow us on Facebook at <a href="https://www.fac
S6 E184 · Tue, July 02, 2024
Should 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 Jr. discusses the dilemmas of no credit check loans and other online lending options. He explains the financial and emotional challenges borrowers face when considering these types of loans. Ralph explores the scenarios where no credit check loans can be helpful, as well as the significant risks they pose. He also discusses safer alternatives to these high-interest loans and provides tips on avoiding debt traps. With practical financial advice and biblical wisdom, Ralph helps you navigate the complexities of borrowing in today's financial landscape. 00:00 Episode Overview 01:28 Bible Verse 02:22 What are No Credit Check Loans? 03:40 When are No Credit Check Loans Helpful? 05:05 When are No Credit Check Loans Harmful? 06:23 Pros of No Credit Check Loans 07:19 Cons of No Credit Check Loans 08:41 Alternatives to High-Interest Online Loans 10:13 Tips for Avoiding Debt Traps 11:40 Final Thoughts 12:09 Outro LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 <a href="https://www.askralphpodcast.com/" re
S6 E183 · Mon, July 01, 2024
What 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 help alleviate these surprise expenses off your shoulders by offering peace of mind. He will compare the benefits and drawbacks of these services so that you can determine if one fits your situation. By the end, you will know whether spending money to get a home warranty is worth your dollar or if investing it elsewhere makes more sense. Listen in to see if a home warranty is your solution to high-cost repair costs. 00:00 Episode Overview 00:29 Recap And Show Announcements 01:57 Bible Verse 02:26 What Is A Home Warranty? 03:05 What Does A Home Warranty Cover? 03:53 What Home Warranties Do Not Cover 04:30 Pros Of A Home Warranty 07:08 Cons Of A Home Warranty 08:17 How Much Does A Home Warranty Cost? 0:08 When Should You Purchase A Home Warranty? 10:03 What Should You Look For In A Home Warranty Company? 11:12 Episode Recap 11:38 Outro LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Mess
S6 E182 · Sun, June 30, 2024
How 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 wisdom and discipline? On Episode 182 of the Ask Ralph Podcast, host Ralph Estep Jr discusses breaking free from debt God's way. He explains how financial enslavement is a shared secret amongst many and provides a faith-based way to overcome it. Breaking down his philosophy of financial freedom into three core steps: wisdom, discipline, and faith, Ralph includes practical advice and spiritual guidance to help you on your path to financial freedom. Find out what it takes to create a workable budget, the best ways to get rid of debt, and how to invite God into your finances. This episode is especially powerful in that it gives practical steps to release debt, thereby embracing financial freedom and blessing. 00:00 Episode Overview 01:05 Recap 02:08 Bible Verse 02:45 Wisdom in Financial Decisions 04:16 Discipline and Budgeting 05:15 Faith and Trusting God's Provision 05:48 Practical Steps to Become Debt-Free 07:16 Final Thoughts and Prayer 08:03 Outro LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 <p
S6 E181 · Sat, June 29, 2024
What 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 the Ask Ralph Podcast, host Ralph Estep Jr. explores the nature of safe deposit boxes, those small but secure metal drawers hidden in your bank's vault. He reveals the strengths and vulnerabilities of safe deposit boxes and discusses alternatives like home safes and digital storage for those seeking other options. Tune in to learn if a safe deposit box is right for you and how to keep your priorities in check while safeguarding your valuables. 00:00 Episode Overview 01:17 Safe Deposit Box 02:39 What to Keep in a Safe Deposit Box 03:33 What Not to Keep in a Safe Deposit Box 04:20 Security of Safe Deposit Boxes 05:08 Alternatives to Safe Deposit Boxes 06:22 Bible Verse 06:52 Biblical Perspective on Treasures 07:15 Final Thoughts 07:39 Outro LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Facebook and follow us on Facebook at <a href="https://www.facebook.com/askralphmedia" r
S6 E180 · Fri, June 28, 2024
What 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. In this episode of the Ask Ralph podcast, host Ralph Estep Jr. emphasizes the importance of open communication, seeking legal advice, and compromise. He stresses the need for clear communication and legal advice, mentioning that consulting with an experienced estate attorney can help individuals understand their rights and obligations. Ralph also highlights the importance of maintaining positive relationships and approaching the situation clearly to achieve a fair outcome for all parties involved. Stay tuned as Ralph shares insights to help you turn this potentially stressful situation into a positive experience. 00:00 Episode Overview 00:53 Show Announcements 01:59 Bible Verse 02:41 Action 1: Communicate Openly And Honestly 03:19 Action 2: Seek Medical Guide 03:48 Action 3: Get The Property Appraised 04:16 Action 4: Consider Your Options 04:56 Action 5: Put Everything In Writing 05:31 Action 6: Be Willing To Compromise 05:56 Action 7: Try To Keep Your Emotions In Check 06:22 Action 8: Seek Mediation If Necessary 07:12 Episode Recap 08:19 Steps To Take If You've Inherited A Property With Someone Else 08:57 Outro LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST Please share our Podcast with all
S6 E179 · Thu, June 27, 2024
How many years can the IRS audit my returns?
As a taxpayer, knowing the IRS audit time limits is essential to avoid any surprises. Familiarizing yourself with these time limits and diligently maintaining good record-keeping practices will protect you from unforeseen complications during an audit process. In this episode, Ralph Estep Jr. discussed strategies for minimizing the risk of IRS audits and answers the question - how many years can the IRS audit my returns? In this episode of the "Ask Ralph" podcast, your host, Ralph Estep Jr., dives into the nitty-gritty of IRS time limits, revealing that while the standard audit window is three years, there are exceptions that could extend this period. Additionally, Ralph offers advice on how to face potential scrutiny in IRS audits with confidence. Join Ralph as he unravels the mysteries of IRS audits, offering insights that could save you from unnecessary worry and financial headaches. 00:00 Episode Overview 00:42 Show Announcements 01:25 Bible Verse 01:58 Understand Irs Audit Time Limits 02:49 Exception 1: Substantial Understatement Of Income 03:31 Exception 2: Fraud Or Intentional Misrepresentation 04:05 Exception 3: Unfiled Tax Return 04:52 Minimize Your Audit Risk 05:23 Step 1: File On Time Every Time 05:59 Step 2: Double Check Your Work 06:42 Step 3: Keep a Meticulous Record 07:03 Step 4: Don't Be Afraid To Seek Professional Help 07:48 Episode Recap 08:21 Outro LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 </
S6 E178 · Wed, June 26, 2024
How 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 getting trapped in debt. He shares his best tips for getting out of a financial pinch through budgeting, saving, and using credit responsibly and also explores five personal loan alternatives like building an emergency fund, tracking your spending, exploring side hustles, and more. Are you ready to take control of your finances once and for all but don't know where to start? Tune in to learn creative ways to free yourself from the fear of not having a financial safety net the next time life throws you a curveball. 00:00 Episode Overview 00:55 Show Announcements 01:35 Bible Verse 02:30 Emergency Fund Savior 02:59 Save Your Money 03:22 Budget Buster Buster 04:11 Budgeting Apps 04:31 Side Hustle Hero 04:57 Brainstorm For Side Hustle Ideas 05:22 Family And Friends 05:51 Write Everything 06:10 Credit Card Crusader 06:35 Pay The Bill Fully 07:12 Outro LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 <a href="https://www.askralphpodcast.com/" rel="noope
S6 E177 · Tue, June 25, 2024
What 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, and highlights the importance of aligning your investments with your Christian values. Ralph also explores the potential risks with ETFs and gives handy tips on how to invest in them. Listen for helpful advice on making smart investment choices. 00:00 Episode Overview 01:16 Recap 01:54 Bible Verse 02:29 What is an ETF? 02:53 Benefits of ETFs 04:07 Risks and Considerations 05:35 Aligning Investments with Christian Values 05:56 Practical Steps for Investing in ETFs 07:22 Recap and Closing 08:10 Outro LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more inform
S6 E176 · Mon, June 24, 2024
Are 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 another scam preying on vulnerable people? Ralph separates fact from fiction, explains how to identify reputable services, and shares real-life stories of both success and failure. He also provides actionable steps to help you make informed decisions about your financial well-being. 00:00 Episode Overview 01:08 Bible Verse 02:15 What Are Credit Counseling Services? 02:54 Difference Between Non-Profit and For-Profit Services 03:39 Common Scams to Watch Out For 04:23 Real-Life Success and Failure Stories 05:40 Actionable Steps for Choosing a Credit Counseling Service 07:11 Recap and Closing 08:42 Outro LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit <a href="https://www.askralphpod
S6 E175 · Sun, June 23, 2024
How 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 Podcast In 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 enjoy the nicer things in life while maintaining a strong Christian walk and offers practical advice on how to achieve this balance. He discusses key principles such as shifting your perspective on wealth, practicing biblical stewardship, embracing the joy of generosity, and seeking contentment. Tune in as Ralph provides actionable steps and biblical wisdom to help you navigate your financial journey with faith and integrity. 00:00 Episode Overview 02:21 Bible Verse 03:37 Shifting Perspective on Wealth 04:13 Practicing Biblical Stewardship 04:43 Embracing the Joy of Generosity 05:08 Seeking Contentment 06:13 Practical Action Steps 07:54 Recap and Closing Prayer 08:54 Outro LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Facebook and follow us on Facebook at <a href="https://www.facebook.com/askralphmedia" rel="n
S6 E174 · Sat, June 22, 2024
How 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 Jr. interviews David Chudyk - a Certified Financial Planner who specializes in helping small business owners. They dive into the difficulties of evaluating a business's true worth, delegating tasks to free up time, and managing client expectations. David emphasizes the importance of systems and processes to remove reliance on the business owner. But how does one implement such changes when worn down by the grind? Tune in to gain insight into increasing business value through strategic planning, asset management, and faith-based principles. Ralph and David leave the entrepreneur with food for thought on elevating their business from a job to an asset. 00:00 Introduction 00:38 Increasing Business Value 02:38 The Hub and Spoke of Business 04:22 Recurring Revenue Strategies 07:11 Empowering Employees 11:14 Relationship Building 14:45 Business Diversification 17:47 Gatekeeping for the Business Owner 20:16 Tax Planning Considerations 22:06 Increasing Business Value Strategically 27:06 Faith in Business 32:59 Final Word 35:33 Outro LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST Please share our Podcast with all your friends and family! Submit your questions or ideas for future shows - email us at <a href="mailto:ralph@askralph.com" rel="noopener no
S6 E173 · Fri, June 21, 2024
Should 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 payment on a new vehicle. He explains the financial and emotional challenges buyers face, such as deciding how much to put down or whether to make a down payment at all. Ralph explores whether stretching your budget for a lower interest rate is wise and considers the risks of a smaller down payment, like potential job loss. He also discusses options like GAP insurance and shopping around for rates, emphasizing the balance between responsible stewardship and peace of mind. Tune in as Ralph provides practical financial advice and biblical wisdom to help you make an informed decision on this important purchase. 00:00 Episode Overview 02:07 Bible Verse 02:45 Down Payment Considerations 03:59 Interest Rates and Loan Terms 05:11 Depreciation and GAP Insurance 07:23 Peace of Mind and Common Questions 08:34 Final Thoughts 09:38 Outro LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Facebook and follow us on Faceboo
S6 E172 · Thu, June 20, 2024
What 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 is to rationalize hiding cash income or overestimating deductions, but warns that even minor tax evasion can have major consequences if the IRS catches you. Ralph explores the most common ways people unintentionally or intentionally cheat on their taxes each year and examines how the IRS actively looks for discrepancies using advanced technology to uncover tax evaders. With penalties including massive fines, prison time, and loss of professional licenses, Ralph stresses the importance of filing ethically and with integrity. Tune in to learn the sneaky ways the IRS catches tax cheats and how to avoid an audit. 00:00 Episode Overview 02:01 Bible Verse 02:40 Common Scenarios of Tax Evasion 03:28 Top Ways People Cheat on Taxes 04:52 Claiming False Deductions 06:41 Barter Transactions as Taxable Income 07:26 Mixing Personal and Business Expenses 08:49 Offshore Accounts and Tax Evasion 09:36 IRS Methods for Detecting Tax Evasion 10:27 Potential Consequences of Tax Evasion 11:54 Coming Clean to the IRS 13:58 Positive Steps to Avoid Tax Cheating 15:43 Final Thoughts 16:39 Outro LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST Please share our Podcast with all your friends and family! Submit your questions or ideas for future shows - email us at <a href="mailto:ralph@
S6 E171 · Wed, June 19, 2024
Are 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 "Ask Ralph" podcast, your host, Ralph Estep Jr., delves into these hidden housing expenditures, shows you how to construct a budget to handle them, and discusses simple strategies for reducing financial stress. Learn how to properly negotiate these hidden expenses, allowing you to enjoy your property without financial stress. Most importantly, seek God's provision in financial decisions and practice discipline in saving and budgeting to attain financial independence through homeownership. 00:00 Episode Overview 00:26 Welcome To Ask To Ralph Podcast And Show Announcements 02:20 Bible Verse 02:56 Maintenance And Repairs 03:59 Property Taxes And Insurance 04:59 Utilities 05:42 Closing Cost 06:38 Unforeseen Repairs And Emergency Fund 07:18 Upgrades And Renovations 07:53 Miscellaneous 08:20 Action Tip#1: Research All Costs 08:54 Action Tip#2: Build Up An Emergency Fund 09:11 Action Tip#3: Insurance Rates 09:35 Homeownership Costs 10:00 Episode Recap 10:58 Outro LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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
S6 E170 · Tue, June 18, 2024
How 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 the crucial role of FDIC insurance in protecting depositors' money in the event of bank failures. He explains that while bank failures are rare, they do occur and can leave depositors vulnerable to losing their savings. Ralph stresses taking prudent steps to safeguard resources, citing biblical wisdom. Tune in to understand how FDIC insurance works and why it's essential for protecting your savings. 00:00 Episode Overview 03:22 Bible Verse 04:18 What is FDIC Insurance and how does it work? 04:48 Bank Failures and the Role of the FDIC 06:16 FDIC Protection for Depositors During Bank Failures 07:16 FDIC Coverage for Online Banks 08:14 Ensuring Coverage for Deposits Over $250,000 09:07 Actionable Steps for FDIC Insurance Coverage 10:28 Final Thoughts 10:47 Outro LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Facebook and follow us on Facebook at <a hre
S6 E169 · Mon, June 17, 2024
How to Navigate Credit Card Offers Wisely and Avoid Common Traps
Have 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. In this episode of the Ask Ralph Podcast, host Ralph Estep Jr. discusses the significance of understanding credit card perks and the associated risks. He covers practical tips for using credit cards responsibly, such as treating credit cards like debit cards, reading the fine print, comparing offers, negotiating terms, and resisting temptation. Tune in to learn how to take charge of your financial future and ensure that credit cards serve as a tool for financial success rather than a source of debt. 00:00 Episode Overview 00:29 Welcome and Show Announcements 01:43 Bible Verse 02:16 The Benefits of Credit Cards 02:34 The Costs and Risks 03:09 Practical Tips for Using Credit Cards Wisely 05:53 Actionable Steps to Master Credit Card Usage 07:04 Recap and Encouragement 07:33 Outro LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Facebook and follow us on Facebook at <a h
S6 E168 · Sun, June 16, 2024
How to Prepare for a Fear-Free Retirement with Practical and Spiritual Guidance
Does 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, healthcare costs, inflation, and loss of purpose. Ralph shares actionable steps and spiritual encouragement to help you face the future with confidence and faith. Tune in to understand how to overcome these fears and take charge of your retirement planning. 00:00 Episode Overview 00:29 Welcome To Tax Talk Thursday And Show Announcements 01:31 Bible Verse 02:28 Fear of Retirement 03:48 Actionable Step #1: Start with Prayer and Gratitude 04:46 Actionable Step #2: Create a Budget and Track Your Spending 05:18 Actionable Step #3: Start Saving Early and Consistently 05:46 Actionable Step #4: Explore Different Retirement Savings Plans 06:14 Actionable Step #5: Consider Part-Time Work or a Side Hustle 06:33 Actionable Step #6: Seek Professional Advice 07:27 Closing Prayer and Encouragement 09:15 Outro LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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
S6 E167 · Sat, June 15, 2024
What 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, host Ralph Estep Jr. discusses the significance of understanding your options when your car lease ends. He covers the pros and cons of turning in your leased car, buying the leased car, and leasing another car. Ralph also provides actionable steps and advice to help you make an informed decision that aligns with your financial goals and lifestyle. Tune in to understand your options and learn how to navigate the end of your car lease with confidence. 00:00 Episode Overview 00:16 Welcome and Show Announcements 01:45 Bible Verse 02:19 Introduction to Lease-End Options 02:50 Turning in the Leased Car 03:39 Buying the Leased Car 04:34 Leasing Another Car 05:10 Tips for Making the Best Decision 08:36 Recap 09:50 Outro LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askr
S6 E166 · Fri, June 14, 2024
How 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, host Ralph Estep Jr. shares practical tips for parents to encourage their adult children to leave the nest lovingly. He covers strategies such as setting clear expectations, charging rent, encouraging activities outside the home, and showing confidence in their abilities. Each approach promotes growth and independence, ensuring children are prepared to thrive on their own. Tune in to gain valuable insights and start implementing these tips to help your adult children embark on their journey to independence. 00:00 Episode Overview 00:47 Welcome To Financial Friday And Show Announcements 01:58 Bible Verse 02:48 Tip #1: Set Clear Expectations 03:35 Tip#2: Charge Rent 03:56 Tip #3: Limit Involvement In Household Duties 04:26 Tip #4: Don't Redo Their Mistakes 04:53 Tip #5: Encourage More Time Out Of The House 05:22 Tip #6: Make Your Home Less Welcoming 05:53 Tip #7: Stop Giving Money 06:26 Tip #8: Set A Move-Out Deadline 06:55 Tip #9: Help, But Don't Solve 07:22 Tip #10: Show Confidence In Them 07:58 Episode Recap 08:52 Outro LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST Please share our Podcast with all your friends and family! Submit your questions or ideas for future shows - email us at <a href="mailto:ralph@askralph.com" rel="noopener noreferrer" ta
S6 E165 · Thu, June 13, 2024
What 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 interest in RMDs, and methods for preserving RMDs, such as consulting a financial counselor and determining how much to withdraw based on life expectancy and account balance. Tune in to understand this important retirement planning component and learn how to take charge of your financial future, ensuring that RMDs don't compromise your retirement income. 00:00 Episode Overview 00:21 Welcome To Tax Talk Thursday And Show Announcements 01:08 Bible Verse 01:31 What are RMDs? 02:17 Reaching the Age of 73 03:29 Penalties 04:06 Recent Changes in RMDs 05:16 Strategy #1: Withdraw More Than the Minimum 05:38 Strategy #2: Qualified Charitable Distributions 06:28 Strategy #3: Explore Roth Conversions 07:05 Strategy #4: Get Help From a Financial Advisor 07:37 Recap 08:26 Outro LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 <a href="https://www.askralphpodcast.com/" rel="noopener noreferrer" target="_blank"
S6 E164 · Wed, June 12, 2024
Could 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 Jr In 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 touch, making sure we use fairness, kindness, and Christian values in our money choices. Tune in to understand why integrating human judgment with AI tools is important for creating a more inclusive and empathetic financial system. 00:00 Episode Overview 01:47 Potential Benefits of AI 02:22 Potential Downsides of AI 04:31 The Risks of an AI-only Approach 04:55 Bible Verse 05:34 The Human Connection 06:17 What Can Be Done? 07:24 Final Thoughts 07:38 Outro LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more inform
S6 E163 · Tue, June 11, 2024
Setting Limits on Smartphone Use to Help Children Thrive in a Digital World
Are 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 likes, are smartphones too enticing for developing minds? Tune in to better understand the impacts smartphones may be having on your children's development and well-being. 00:00 Episode Overview 00:31 Welcome To Ask To Ralph Podcast 00:49 Show Announcements 01:13 Bible Verse 02:01 Attention Spans 02:37 Sleep Issue 02:57 Smartphone Addiction 03:47 Solution #1: Set Limits 04:05 Solution #2: encourage other activities 04:27 Solution #3: Be a Good Role Model 04:55 Solution #4: Talk To Your Children 05:10 Goals As Parents 05:39 Episode Recap 06:21 Outro LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphme
S6 E162 · Mon, June 10, 2024
Debt Free: Bankruptcy And Debt Management To Overcome Your Financial Burden
Are 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 the bankruptcy process and common misconceptions. Tune in to find out more about valuable strategies for navigating debt and uncover the path that's best for your unique circumstances. 00:00 Episode Overview 00:47 Welcome to the Ask Ralph Podcast 00:47 Grounding in Scripture 01:44 Bible Verse 02:20 Debt Management and Bankruptcy 02:46 Credit Counseling 03:48 Pros of Debt Management 04:58 Cons of Debt Management 06:23 Avoiding Debt Scams 07:38 Bankruptcy 08:34 Chapter 7 Bankruptcy 09:09 Chapter 13 Bankruptcy 09:56 Effects of Bankruptcy 11:28 When to Consider Bankruptcy 12:30 Exploring Your Options 13:06 Actionable Steps 14:07 Final Thoughts 14:39 Outro LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Facebook and follow us on Facebook at <a href="https://www.facebook.com/askralphmed
S6 E161 · Sun, June 09, 2024
How to Overcome Guilt and Find Spiritual Freedom
Are 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 how shifting your mindset from one to the other can transform your financial and spiritual journey. While guilt keeps you stuck in the past, conviction provides the motivation to make positive changes. Tune in to discover Ralph's insights on breaking guilt's stronghold and embracing the power of conviction. 00:00 Episode Overview 01:40 Daily Bible Verse 02:10 Guilt vs Conviction 03:02 Embracing Conviction over Guilt 04:47 Recap of Discussion 05:36 Closing Prayer 06:33 Outro LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation wi
S6 E160 · Sat, June 08, 2024
How to Achieve Sustainable Success in Business After Burnout with Entrepreneur Ral West
Picture yourself as an entrepreneur, juggling countless responsibilities and feeling overwhelmed by your business's demands, leaving little time for yourself and loved ones. Ever felt like you're trying to do it all, only to find it's impossible? Join us for this episode with Ral West, a successful entrepreneur, as she shares her journey of overcoming burnout and balancing business with family time. Discover how Ral West overcame business burnout and learned to balance professional, and personal life through resilience and effective delegation. Welcome to another episode of the "Ask Ralph" podcast with your host, Ralph Estep Jr. Today, we have Ral West, an entrepreneur with over 40 years of experience, joining us to discuss her struggles with overwhelm and burnout. Ral's journey emphasizes the resilience and positivity needed to overcome life's challenges, highlighting the importance of self-belief and grace during tough times. Plus, you'll discover how implementing effective business systems and delegating tasks can give you the freedom to spend more time with your loved ones. 00:00 Episode Overview 00:16 Daily Bible Verse 00:48 Introducing Ral West 01:49 Ral’s Entrepreneurship Journey 04:33 Actions that led to burnout 06:03 Balancing Family And Business 07:36 Ral’s steps to overcome her overwhelming life 10:32 Continual Learning 13:00 Overcome overwhelm 15:14 Biggest Causes Of Overwhelm 18:31 Empowering People 21:37 Exceeding Customer Service Expectations 25:41 How to Hire Good People 27:27 Advice for small businesses 30:00 Ral’s current purpose in life 31:07 Ral’s Life in Alaska 33:37 Keep Thinking Positive 36:51 Be Grateful Even in the Darkest Times 37:31 Outro LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST Please share our Podcast with all your friends and family! Subm
S6 E159 · Fri, June 07, 2024
Achieving Your Financial Goals Through Intentional Budgeting
Are 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 the 5 main purposes of budgeting. He also discusses how budgeting is a tool for spiritual growth, helping you use your money in a way that honors God and leaves a legacy of generosity. Tune in to discover the powerful reasons why intentional budgeting could be the key to gaining freedom over your finances and living a life full of meaning. 00:00 Episode Overview 00:35 Welcome to the Ask Ralph Podcast 01:07 Show Announcements 01:59 Daily Bible Verse 02:39 Purpose #1: Gaining Clarity And Control 03:41 Control on Budgeting 04:08 Purpose #2: Aligning Your Money with Your Values 05:15 Purpose #3: Achieving Your Financial Goals 06:24 Purpose #4: Building Financial Security and Peace of Mind 07:39 Purpose #5: Leaving A Legacy Of Generosity. 08:59 Final Thoughts and Encouragement 09:44 Outro LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Fac
S6 E158 · Thu, June 06, 2024
Stay Out of Trouble with the IRS: Penalty Prevention Tips
Are 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 them. Learn about the hefty failure to file penalty, and discover how underpayment penalties apply if you owe over $1,000. Tune in to uncover the IRS' favorite fees, see if you're penalty-proofing properly, and learn how to keep more of your hard-earned money come tax time. 00:00 Episode Overview About Common IRS Penalties 00:18 Welcome To Tax Talk Thursday 01:21 Daily Bible Verse 01:54 Failure To File Penalty 03:02 Failure To Pay Penalty 04:14 What Options Do You Have To Pay What You Owe? 05:17 Underpayment Penalty 06:22 Accuracy-Related Penalty 07:16 Bible Principle To Diligently Manage Tax 07:30 Final Thoughts and Recap 08:33 Outro LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia</a
S6 E157 · Wed, June 05, 2024
Revealing Hidden Facts: Shocking Job Situations
Did 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 listeners to assess workplaces with a clear eye and seek roles that bring fulfillment. It's a must-listen for those in the workforce or considering new paths. 00:00 Introduction and Today's Question 00:20 Welcome Remarks 01:54 Daily Bible Verse 02:09 Eye-Opening Job Truths 02:11 Job #1 - Bank Tellers 02:40 Job #2 - Garbage Collectors 03:15 Job #3 - Teachers 03:56 Job #4 - Flight Attendants 04:42 Job #5 - Veterinarians 05:21 Job #6 - Casino Dealers 05:55 Job #7 - Oil Rig Laborers 06:33 Job #8 - Fast Food Workers 07:11 Job #9 - Portfolio Managers 07:56 Job #10 - Truck Driver 08:34 Job #11 - Retail Workers 09:20 Job #12 - Construction Workers 10:04 Job #13 - Pilots and Flight Crew 10:44 Job #14 - Public Defenders 12:13 Recap 12:35 Ralph’s Call to Action 12:59 Special Announcement LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 <a href="https://www.askralphpodcast.com/" rel=
S6 E156 · Tue, June 04, 2024
Balancing Fame and Faith: The Journey of an Influencer
Are 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 navigating the influencer realm with the correct mentality and drive. Tune in to learn the surprising realities and practical steps to leverage social media for good. 00:00 Introduction and Episode Overview 00:19 Welcome to Technology Tuesday 00:47 Secrets of Being an Online Influencer 01:53 Show Announcements 02:31 Bible Verse 03:01 The Pros of Online Influencers 04:02 The Reality in the Industry 09:43 Christians as Influencers 10:08 Advice for Aspiring Online Influencers 11:57 Balancing Ambition With Humility LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit <a href="https://www.askralphpodcas
S6 E155 · Mon, June 03, 2024
From Grief to Guidance: Managing an Inherited Property
Dealing 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 open communication and religion. Are you ready to make complex financial decisions during a tough time of mourning? Listen here as Ralph shares tips for prioritizing self-care while simultaneously safeguarding the property's future. 00:00 Introduction and Episode Overview 00:22 Motivational Monday and Show Announcements 01:42 Daily Bible Verse 02:54 Secure the Property 03:25 Transfer Utilities and Mortgage 03:51 Move in, Rent it, or Sell it 06:49 Consider Emotional Factors 07:18 Handle Family Dynamics 09:42 Spiritual And Self Care Needs 10:37 Surround Yourself with Experts LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twi
S6 E154 · Sun, June 02, 2024
Excellence as Worship: Aligning Life with God's Standards
Are 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 your life: work, relationships, and stewardship. He will share practical steps for identifying areas of complacency and doing your best for God's highest glory, expressing Christ-like love and relationships while glorifying God's generous provision. 00:00 Introduction and Episode Overview 00:26 Welcome to the Ask Ralph Podcast 00:59 Motivational Sunday and Show Announcements 01:24 Exploring Excellence as Worship 02:36 Daily Bible Verse 03:00 Excellence in Work 03:36 Excellence in Relationship 04:18 Excellence in Stewardship 05:18 Action Steps for Pursuing Excellence 07:07 Closing Prayer 07:56 Recap and Final Thoughts LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or
S6 E153 · Sat, June 01, 2024
The Path to Podcasting Success with Dave Jackson
In our latest episode of AskRalph, we had the legendary Dean of Podcasting, Dave Jackson, join us! We dived deep into the secrets of podcasting success, from the nitty-gritty of starting out to building strong audience relationships. Don't miss out on these invaluable insights! Join Ralph Estep, Jr., and Dave Jackson as they discuss the path to podcasting success. Join the School of Podcasting The Power of Podcasting with Dave Jackson: Insights and Tips for Business Owners In this episode of the Ask Ralph Podcast, Ralph Estep Jr. welcomes Dave Jackson, a veteran podcaster and member of the Podcasting Hall of Fame. Dave shares his extensive experience from starting the School of Podcasting in 2005 to helping countless individuals and businesses launch their podcasts. They delve into the benefits of podcasting for small business owners, discussing essential steps to start and grow a successful podcast. Dave emphasizes the importance of knowing your 'why' and 'who,' the pros and cons of video vs. audio podcasting, and monetization strategies. He also advises on the initial financial and time commitments needed and highlights the significance of engaging content and consistent delivery. Dave’s personal stories, from speaking engagements to book deals, underline the profound impact podcasting can have on personal and professional growth. This episode is packed with insights and practical advice for anyone considering diving into the podcasting arena. 00:00 Introduction to Dave Jackson 01:22 Why Small Businesses Should Podcast 02:42 Starting the School of Podcasting 04:18 First Steps for New Podcasters 05:30 Creating Engaging Content 09:35 Monetizing Your Podcast 15:00 Choosing a Podcast Host 18:11 Overcoming Podcasting Challenges 21:02 Audio vs. Video Podcasting 21:59 Audio vs. Video: The Ongoing Debate 23:20 Balancing Perfection and Authenticity in Podcasting 24:47 Outsourcing Podcast Production: Time vs. Money 26:03 The Time Commitment of Podcasting 27:44 Leveraging AI Tools in Podcasting 30:05 Opportunities and Success Stories in Podcasting 33:45 The Importance of Passion in Podcasting 36:34 Conclusion and How to Get Started with Podcasting 40:09 Faith and Podcasting: Integrating Beliefs into Your Work LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK
S6 E152 · Fri, May 31, 2024
The 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 Perspectives In 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 complexity. Ralph also discusses who can benefit the most from annuities, how to avoid scams, and aligns financial wisdom with a biblical perspective. The episode wraps up with Ralph's honest take on annuities and advice for cautious investing. Subscribing to the podcast and joining their Facebook group for continuous financial discussions is encouraged. 00:00 Introduction to Annuities: Scam or Smart Investment? 00:20 Welcome to the Ask Ralph Podcast 01:20 Understanding Annuities: Types and Basics 04:34 Benefits of Annuities: Guaranteed Income and More 06:13 Drawbacks of Annuities: High Costs and Complexity 07:27 Who Should Consider Annuities? 08:39 Are Annuities Scams? The Real Truth 09:52 Final Thoughts and Recap 10:50 Closing Remarks and Resources LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Facebook and follow us on Facebook at <
S6 E151 · Thu, May 30, 2024
Tax Refund Troubles: Steps to Take When the Unexpected Happens
Surprised 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 Stories In 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 a step-by-step guide for addressing such situations, including reviewing tax returns, adjusting withholdings, and making estimated tax payments. The episode also features a cautionary real-life story illustrating the importance of accurate tax filing and ends with practical advice on budgeting and resolving tax liabilities, all delivered from a Christian perspective. 00:00 Introduction: Tax Filing Surprises 00:22 Welcome to Ask Ralph Podcast 01:16 Understanding Tax Refund Discrepancies 02:39 Proactive Steps to Address Tax Issues 02:57 Common Tax Filing Mistakes 03:42 Handling Unexpected Tax Bills 04:44 Adjusting Withholdings and Payments 07:19 Real Client Story: Tax Filing Error 08:25 Recap and Final Advice 09:58 Conclusion and Next Steps LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Facebook and follow us on Facebook at <
S6 E150 · Wed, May 29, 2024
Maximize Your Grocery Budget: Practical Tips and Listener Advice
Are 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 Advice In 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. Ralph also shares valuable advice from listeners on how they save money on grocery shopping. The episode combines financial wisdom with a Christian perspective, aiming to help listeners become better stewards of their finances. 00:00 Introduction and Episode Overview 00:25 Welcome to the Ask Ralph Podcast 02:19 Today's Topic: Saving Money on Groceries 03:34 Tip 1: Make a List and Stick to It 05:11 Tip 2: Buy Store Brands 06:28 Tip 3: Check Unit Pricing 08:00 Tip 4: Buy in Bulk Selectively 09:34 Tip 5: Shop Seasonally 11:16 Tip 6: Cook at Home More 12:15 Listener Tips and Feedback 16:10 Conclusion and Final Thoughts LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia<
S6 E149 · Tue, May 28, 2024
Declutter Your Digital Life: Practical Tips for Digital Organization
Decluttering Your Digital Life: Practical Tips and Biblical Insights In this episode of the Ask Ralph Podcast, host Ralph Estep, Jr., with over 30 years of financial experience, tackles the issue of digital clutter. Ralph provides practical tips for organizing your digital space, from deleting unused apps to managing email subscriptions. He intertwines these tips with Christian teachings, emphasizing the importance of focusing on what truly matters. Listeners are guided through a step-by-step process to declutter their devices and accounts, enriched with personal anecdotes and listener stories. The episode stresses the value of digital decluttering as a form of stewardship before God. 00:00 Introduction: Tackling Digital Clutter 00:22 Welcome to Ask Ralph Podcast 01:21 Upcoming Topics and Community Engagement 02:09 The Digital Clutter Crisis 03:41 Steps to Declutter Your Digital Life 05:14 Practical Tips for Digital Decluttering 08:05 Listener's Story: A Doctor's Digital Makeover 09:36 Final Thoughts and Encouragement 10:48 Closing Remarks and Disclaimers LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more
S6 E148 · Mon, May 27, 2024
Avoiding Financial Pitfalls in Retirement
Are you prepared to sidestep financial pitfalls in retirement? Join Ralph Estep, Jr., and learn how to break bad money habits and enjoy a blissful retirement. 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. Ralph also offers actionable tips to manage these issues, emphasizing the importance of wise financial stewardship from a Christian perspective. Additionally, listeners are encouraged to join the podcast’s Facebook insider's group for continued discussion and support. 00:00 Introduction and Episode Overview 00:20 Welcome to the Ask Ralph Podcast 00:52 Motivational Monday and Show Announcements 01:15 The Importance of Avoiding Bad Money Habits 03:32 Bad Habit #1: Splurging on Travel 04:48 Bad Habit #2: Supporting Adult Children 06:25 Bad Habit #3: Carrying Debt into Retirement 08:33 Bad Habit #4: Supporting Unhealthy Adult Relationships 10:46 Bad Habit #5: Compulsive Shopping 13:08 Recap and Final Thoughts LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Facebook and follow us on Face
S6 E147 · Sun, May 26, 2024
Finding Peace through Prayer: A Guide to Deepening Your Connection with God
Finding 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 God In 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 throughout your activities, being authentic in prayer, and praying with others. Ralph also emphasizes the importance of community and authenticity in prayer, sharing personal anecdotes and scriptural insights. The episode concludes with a prayer and a challenge to commit to growing your prayer life. Listeners are encouraged to visit askralphpodcast.com for more resources and to join the show's growing community on Facebook. 00:00 Introduction: Revitalize Your Prayer Life 00:27 Welcome to the Ask Ralph Podcast 02:26 Grounding in the Word of God 02:48 Struggles and Truths About Prayer 03:44 Actionable Steps for a Prayerful Life 05:48 The Power of Authentic Prayer 08:03 Praying with Others 12:49 Final Thoughts and Recap 13:19 Closing and Call to Action LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Facebook and follow us on Fac
S6 E146 · Sat, May 25, 2024
Faithful Finances: Managing Money with a Mission my interview with Whitney Owens from the Wise Practice Podcast
A 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 shares insights from his books on mastering finances from a Christian perspective, touching on topics like budgeting, tithing, managing debt, and planning for the future. He also emphasizes the significance of a Christ-centered approach to financial decision-making and the rewards of giving and serving others. This episode offers valuable guidance for listeners striving to align their financial habits with their faith. 00:00 Introduction to the Interview 00:54 Meet Ralph Estep, Jr. 01:22 Ralph's Background and Faith 04:13 Christian Perspective on Finances 06:51 Stewardship and Financial Responsibility 09:14 Balancing Business and Faith 12:00 Challenges and Rewards of Faith-Based Practices 14:08 The Importance of Listening and Planning 14:55 Financial Issues in Marriage 15:37 Business Consulting and Tax Planning 17:16 Retirement Planning for Therapists and Pastors 18:48 Dealing with Graduate School Debt 20:31 Growing Your Practice and Financial Planning 24:40 Ralph's Resources and Contact Information LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST Please share our Podcast with all your friends and family! Submit your questions or ideas for future shows - email us at <a href="mailto:ralph@ask
S6 E145 · Fri, May 24, 2024
Financial Harmony: Building Unity in Marriage
Struggling 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 Couples In 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 align their financial goals, including having honest conversations about money histories, agreeing on a unified budget, setting shared money goals, and seeking external resources for financial growth. Throughout the episode, Ralph shares personal anecdotes and expert advice to help couples achieve financial harmony. 00:00 Introduction: Money and Relationships 00:36 Welcome to Ask Ralph Podcast 01:28 Biblical Wisdom on Unity 02:23 Importance of Financial Unity 03:07 Personal Experiences and Expert Advice 03:26 Join the Community 03:52 Truths About Financial Alignment 08:43 Actionable Steps for Financial Harmony 12:24 Conclusion and Encouragement LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Facebook and follow us on Facebook at <a href="https://www.facebook.com/askralphmedia" rel="noopener no
S6 E144 · Thu, May 23, 2024
Financial Wisdom: Understanding Quarterly Tax Payments and Safe Harbor Rules
Master 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 practical steps for pain-free tax estimates. The episode emphasizes careful planning, the use of safe harbor rules, and penalty waivers. Listeners are encouraged to take actionable steps to master their tax estimating process and ensure financial stability. 00:00 Introduction to Quarterly Tax Payments 00:32 Welcome to Ask Ralph Podcast 01:05 Tax Talk Thursday: Navigating Quarterly Payments 01:30 Understanding Quarterly Estimated IRS Payments 06:14 Personal Journey: Learning the Hard Way 07:25 Navigating IRS Notices and Safe Harbor Provisions 10:54 Action Steps for Managing Quarterly Payments 12:31 Recap and Final Thoughts LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/ask
S6 E143 · Wed, May 22, 2024
Dollar Stores Exposed: Community Impacts Revealed
Uncover the truth about dollar stores in our latest episode! Join Ralph Estep, Jr., in his pursuit of dollar stores exposed - Are they really a bargain or a hidden scam? Join me as we dive deep into the impact on communities and the very consumer they serve. Are Dollar Stores Truly a Bargain? Unpacking the Real Impact on Communities In this episode of the Ask Ralph Podcast, host Ralph Estep, Jr. explores the controversial topic of dollar stores and their impact on communities. Ralph delves into whether these stores offer real value or merely exploit vulnerable populations, given their rapid expansion and the economic distress linked to their presence. The discussion covers critiques of dollar stores, including limited product quality, the closure of other local businesses, low wages for employees, and a lack of community support. Ralph also presents potential solutions like supporting local businesses and advocating for better retailer practices. The episode encourages thoughtful consumer habits and community action to foster economic development and responsible corporate behavior. Tune in for insightful financial wisdom from a Christian perspective. 00:00 Introduction: The Dollar Store Dilemma 00:23 Welcome to Ask Ralph Podcast 01:28 Unpacking the Dollar Store Debate 03:31 The Economic Impact of Dollar Stores 05:19 Critiques and Concerns: Analyzing Dollar Stores 08:33 Seeking Solutions: How to Counteract Dollar Store Effects 10:18 Reflections and Call to Action 12:03 Closing Thoughts and Financial Guidance LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 <a hre
S6 E142 · Tue, May 21, 2024
Tech Talk: Exploring Accessibility Options
Struggling 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 You In 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 built-in accessibility options that can improve user experience across various devices, including Apple, Android, and Windows products. He also shares personal insights on adjusting settings to accommodate aging eyes and offers practical tips to empower listeners to customize their technology for better comfort and efficiency. The episode ties financial wisdom with Christian faith, emphasizing the importance of utilizing available resources to enhance quality of life. Ralph encourages listeners to explore these settings, seek help if needed, and remember their worth in the eyes of God. 00:00 Introduction to Device Accessibility Features 00:25 Welcome to Ask Ralph Podcast 00:57 Technology Tuesday: Embracing Accessibility 03:44 Exploring Common Accessibility Features 04:29 Device-Specific Accessibility Settings 08:36 Personal Experience and Encouragement 09:09 Closing Thoughts and Steps Forward LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 </
S6 E141 · Mon, May 20, 2024
Balancing Business and Marriage: Practical Insights for Christian Entrepreneurs
Need 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 Ralph In 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 sacred time with your spouse, involving your spouse in business aspects, and fully unplugging during family time. Ralph shares a candid story of his own failures and how he nearly lost his marriage, offering listeners valuable lessons to avoid similar pitfalls. Tune in for motivational advice aimed at building thriving marriages and successful businesses. 00:00 Introduction: Balancing Business and Marriage 00:33 Welcome to Ask Ralph Podcast 01:05 Monday Motivation: Financial Wisdom from a Christian Perspective 01:28 Balancing Entrepreneurship with Family Life 04:34 Action Steps for a Stronger Marriage 10:40 Personal Story: Learning from Failure 13:06 Recap and Closing Thoughts LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Facebook and follow us on Facebook at <a href="https://www.facebook.com/askral
S6 E140 · Sun, May 19, 2024
The Power of Calming the Storm Within: Lessons from Mark 4
Struggling 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 Wisdom In 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 areas where our faith needs growth, the importance of focusing on Jesus' presence, and allowing Him to speak peace into our chaos. The episode combines spiritual guidance with practical financial advice, blending over 30 years of Ralph's financial expertise with a Christian perspective. Listeners are encouraged to fix their eyes on Jesus amidst life's storms and are invited to join the conversation through the show's new Facebook insiders' group. 00:00 Navigating Life's Storms with Faith 00:18 Introducing the Ask Ralph Podcast 00:50 Spiritual Sunday: Finding Financial Wisdom 01:52 Exploring the Calming of the Storm in Mark 4 03:31 Action Steps to Weather Life's Storms with Jesus 06:37 Closing Prayer for Peace Amidst the Storm 07:19 Recap and Encouragement to Keep Faith 08:40 Final Thoughts and Invitation to Next Episode LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Facebook and follow us
S6 E139 · Sat, May 18, 2024
Handling Retirement Savings During Job Changes
Are 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 Pitfalls In 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 the money in the old plan, rolling over into a new employer's plan, or moving into an IRA, Ralph covers it all. He also shares a cautionary tale about a costly financial mistake made by a client. The episode concludes with practical action steps, a compelling real-life example, and a heartfelt prayer for wisdom in financial decisions. 00:00 Navigating Retirement Accounts During Job Transitions 00:27 Welcome to Ask Ralph: Financial Wisdom from a Christian Perspective 01:20 Understanding Your Retirement Account Options 03:52 Exploring the Four Main Options for Your Retirement Account 07:46 Personal Insights and Advice on Retirement Account Rollovers 09:31 Action Steps for Managing Retirement Accounts Amidst Career Changes 11:29 A Cautionary Tale: The Importance of Wise Financial Decisions 13:37 Closing Thoughts and Prayer for Financial Stewardship LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 <a href="https://www.askralp
S6 E138 · Fri, May 17, 2024
Financial Spring Cleaning: 7 Steps to Organize Your Finances
Is 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 Finances In 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 and support, Ralph provides a comprehensive guide to getting finances in shape. The episode emphasizes the importance of diligent financial stewardship from a Christian perspective, incorporating scripture to underscore the value of prudent financial management. Ralph also offers listeners a chance for personalized financial counseling and encourages sharing the episode with those struggling to achieve financial prosperity. 00:00 Introduction: The Need for Financial Spring Cleaning 00:23 Welcome to Ask Ralph Podcast 01:16 The Essence of Financial Spring Cleaning 02:59 Seven Steps to Declutter Your Finances 03:08 Step 1: Organize Your Financial Documents 04:21 Step 2: Review Your Past Year's Spending 05:11 Step 3: Setting Clear Financial Goals 05:59 Step 4: Crafting a Detailed Budget 07:12 Step 5: Automating Your Finances 07:55 Step 6: Simplify and Streamline Your Finances 09:27 Step 7: Seeking Accountability and Support 10:44 Conclusion: Achieving Financial Peace and Generosity 11:51 Encouragement to Share Financial Wisdom 12:58 Signing Off and Final Thoughts LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST Please share our Podcast with all your friends and family! Submit your questions or
S6 E137 · Thu, May 16, 2024
Navigating College Savings: The 529 Plan Explained
College costs can be daunting, but with the 529 Plan, you can save smart and tax-efficiently. Join Ralph Estep, Jr., for expert insights and tips on navigating college savings! LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances ! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon
S6 E136 · Wed, May 15, 2024
Conquering Money Anxiety: Tales of Victory and Empowerment
Ready to conquer your financial fears and step into abundance? Join Ralph Estep, Jr., as he shares real-life success stories and actionable steps on overcoming money anxiety. Ralph delves into how individuals overcome financial fears with wisdom from over 30 years of experience in finance from a Christian perspective. Join Ralph as we develops a plan on conquering money anxiety and achieving financial freedom! LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances ! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on <a href="https://a.co/d/1AUENOB" rel="noopener noreferrer" t
S6 E135 · Tue, May 14, 2024
The Power of Password Managers: Secure Your Digital Life
Boost your online security with just one simple step! Join Ralph Estep, Jr., on his journey of sharing the power of password managers. Learn how password managers can revolutionize your digital life. Say goodbye to weak passwords and hello to top-notch protection. LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances ! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon
S6 E134 · Mon, May 13, 2024
The Art of Building Relationships: A Path to Prosperity
Seeking insights on building strong relationships for financial success? Join Ralph Estep, Jr., as he delves into the art of building relationships from a Christian perspective. Discover practical tips and biblical wisdom to enhance your professional journey. LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances ! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon
S6 E133 · Sun, May 12, 2024
A Special Mothers Day Message
Looking for meaningful ways to show love and appreciation to the mothers in your life? Join Ralph Estep, Jr., as he shares heartfelt suggestions in a Special Mothers Day Message. From creating lasting memories to expressing gratitude, these ideas will touch your heart. Take a moment to celebrate the amazing women who make a difference. LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances ! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon
S6 E132 · Sat, May 11, 2024
Beyond 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. LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances ! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon
S6 E131 · Fri, May 10, 2024
Peace of Mind: The Benefits of Long-Term Care Insurance
Planning for your future is crucial. Discover how long-term care insurance can safeguard your savings and provide security in times of need. Join Ralph Estep, Jr., as he provides peace of mind the benefits of long-term care insurance. LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances ! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon
S6 E130 · Thu, May 09, 2024
Empowering Your Financial Future: Understanding Roth IRAs
Secure Your Financial Future - It's time to learn about Roth IRAs and tax-free retirement savings! Join Ralph Estep, Jr., for expert advice, actionable steps, and biblical perspectives on building your nest egg and understanding Roth IRAs. LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances ! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon
S6 E129 · Wed, May 08, 2024
Achieving Financial Freedom: A Procrastinator's Guide to Bill Payments
Struggling with bill payments? Join Ralph Estep, Jr., as he shares practical tips to conquer financial procrastination and success in achieving financial freedom! LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances ! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon
S6 E128 · Tue, May 07, 2024
Extended Warranties on Electronics
Are extended warranties worth it for your electronic devices? Discover the pros and cons of extended warranties on electronics with host Ralph Estep, Jr. Enjoy his personal stories about extended warranties. LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances ! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon
S6 E127 · Mon, May 06, 2024
Social Security Benefits from Divorce
Did you know that even if you were married for just 10 years, you might qualify for Social Security benefits based on your ex's earnings record? Dive into the complexities of claiming ex-spousal benefits with Ralph Estep, Jr., as he explores social security benefits from divorce.
S6 E126 · Sun, May 05, 2024
Living in Gratitude
Discover the power of living in gratitude! Join Ralph Estep, Jr. as he explores practical ways to cultivate daily gratitude and transform your financial life. LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances ! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon
S6 E125 · Sat, May 04, 2024
Do you need an umbrella insurance policy?
Join Ralph Estep, Jr., as he uncovers the benefits of an umbrella insurance policy and why you may want to consider having this additional insurance coverage. Join us as we explore why these umbrella policies protect your precious savings and other assets. LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances ! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon
S6 E124 · Fri, May 03, 2024
The Self Storage Debate - Friend or Foe
Do you really need that self storage unit? Join Ralph Estep, Jr., as he dives into the Self Storage Debate - Friend or Foe? From biblical wisdom on possessions to practical tips for using storage wisely, we've got you covered! LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances ! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon
S6 E123 · Thu, May 02, 2024
An Exploration of Gift Taxes
Curious about gift taxes? Join Ralph Estep, Jr., as he dives into the world of gift giving and an exploration of gift taxes! Learn about exemptions, exclusions, and more. LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances ! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon
S6 E122 · Wed, May 01, 2024
3 Steps to Avoid Dealer Added Fees
Are dealer-added fees driving you crazy? Join Ralph Estep, Jr., as he delves into the hidden costs of car buying and shares 3 steps to avoid dealer added fees. LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances ! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon
S6 E121 · Tue, April 30, 2024
The Best Siri Shortcuts
Harness the power of Siri Shortcuts to supercharge your productivity and make the most of your precious time. Join Ralph Estep, Jr., as he shares his best siri shortcuts for success. LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances ! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon
S6 E120 · Mon, April 29, 2024
Habits of Highly Resilient People
Dive into the habits of highly resilient people with Ralph Estep, Jr., in our newest episode. From cultivating a growth mindset to building a strong support network – learn how to thrive in the face of adversity! Ralph gives action steps you may take right now to build personal resilience. LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances ! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon
S6 E119 · Sun, April 28, 2024
Finding Peace in Gods Plan
Seeking financial peace? Join Ralph Estep, Jr., as he explores finding peace in Gods plan. Discover practical steps to align your finances with God's will and experience supernatural peace. LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances ! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon
S6 E118 · Sat, April 27, 2024
Tax Evasion Tips: Income the IRS does not tax
Join Ralph Estep, Jr., as he shares Tax Evasion Tips. Want to learn about 5 types of income the IRS doesn't tax? From gifts to inheritances, our latest episode delves into untaxed income sources and actionable steps to take advantage of them. LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances ! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon
S6 E117 · Fri, April 26, 2024
Health Savings Accounts
Did you know? Health Savings Accounts (HSAs) offer a triple tax advantage for your medical expenses! Join Ralph Estep, Jr., as he dives into the details with our latest podcast episode. LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances ! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon
S6 E116 · Thu, April 25, 2024
Records You Should Keep
Discover the key financial records you should keep for a secure future. Listen to Ralph Estep, Jr., as he provides expert advice on creating a record-keeping system that works for you. LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances ! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon
S6 E115 · Wed, April 24, 2024
TIPFLATION - Out of Control Tipping
Join Ralph Estep, Jr., as he does a deep dive into TIPFLATION - Out of Control Tipping and the impact on your wallet! Join Ralph in a thought-provoking conversation on ethical tipping practices. LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances ! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon
S6 E114 · Tue, April 23, 2024
Creating an Online Account with the IRS
Take control of your tax information effortlessly. Join Ralph Estep, Jr., and listen to our step-by-step guide on creating an online account with the IRS with ID me verification. Stay organized and prepared for tax filing season! LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances ! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon
S6 E113 · Mon, April 22, 2024
Stewarding Your Benjamins
Join Ralph Estep Jr., as he gives you a plan to stewarding your Benjamins. Break free from the bondage of debt and control your finances instead of your finances controlling you! LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances ! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon
S6 E112 · Sun, April 21, 2024
How to Stop Worrying and Start Living
Overcome worry & anxiety with Biblical wisdom! Join Ralph Estep Jr., as he dives into practical steps to stop worrying and start living a prosperous life. LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances ! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon
S6 E111 · Sat, April 20, 2024
Credit Builder Loans
Curious about credit builder loans and how they can impact your financial journey? Join Ralph Estep, Jr., as he explores the pros, cons, and biblical perspective on managing your credit wisely. 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 our podcast page Leave A Voicemail Message Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on <a title="Mastering Your Finances" href= "https://www.amazon.com/MASTERING-YOUR-FINANCES-Comprehensive-Financial/dp/B0CN5Q9PSJ/ref=sr_1_1?crid=3T7LBW5MT5G0L&keywords=ralph+estep&qid=1702750208&sprefix=ralph+estep%2Caps%2C90&sr=8-1" tar
S6 E110 · Fri, April 19, 2024
Inheriting Savings Bonds and the Tax Implications
Inheriting savings bonds can be a blessing and a responsibility. Let's navigate the key steps after inheriting savings bonds together. Join Ralph Estep, Jr., as he discusses identifying bond types, understanding tax implications, and incorporating bonds into your financial plan. 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 our podcast page Leave A Voicemail Message Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on <a title="Mastering Your Finances" href= "https://www.amazon.com/MASTERING-YOUR-FINANCES-Comprehensive-Financial/dp/B0CN5Q9PSJ/ref=sr_1_1?crid=3T7LBW
S6 E109 · Thu, April 18, 2024
How to Avoid Tax Scams
Beware of Tax Scams - Join Ralph Estep, Jr. and learn how to avoid tax scams and protect yourself from fraudulent schemes. Join us as we discuss warning signs, prevention tips, and what to do if you fall victim to a tax scam. Stay informed to safeguard your hard-earned money! 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 our podcast page Leave A Voicemail Message Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on <a title="Mastering Your Finances" href= "https://www.amazon.com/MASTERING-YOUR-FINANCES-Comprehensive-Financial/dp/B0CN5Q9PSJ/ref=sr_1_1?crid=3T7LBW5MT
S6 E108 · Wed, April 17, 2024
Crazy Online Product Reviews
Are you a fan of outrageous kitchen gadgets, health miracles, or eccentric transportation inventions? Join Ralph Estep, Jr., as he discusses crazy online product reviews and whether they have actual value. 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 our podcast page Leave A Voicemail Message Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on <a title="Mastering Your Finances" href= "https://www.amazon.com/MASTERING-YOUR-FINANCES-Comprehensive-Financial/dp/B0CN5Q9PSJ/ref=sr_1_1?crid=3T7LBW5MT5G0L&keywords=ralph+estep&qid=1702750208&sprefix=ralph+estep%2Caps%2C90&
S6 E107 · Tue, April 16, 2024
Are you losing money working for Home Delivery Services?
Are you losing money working as a delivery driver? Join Ralph Estep, Jr., as dives deep into the real costs of food delivery services and how you can turn it into a profitable side business with strategic tips. 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 our podcast page Leave A Voicemail Message Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on <a title="Mastering Your Finances" href= "https://www.amazon.com/MASTERING-YOUR-FINANCES-Comprehensive-Financial/dp/B0CN5Q9PSJ/ref=sr_1_1?crid=3T7LBW5MT5G0L&keywords=ralph+estep&qid=1702750208&sprefix=ralph+estep%2Caps
S6 E106 · Mon, April 15, 2024
Should I cosign for a loan?
Considering Cosigning for a Loan? Join Ralph Estep, Jr., as he dives deep into the risks and implications of being a cosigner. Protect your financial future! 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 our podcast page Leave A Voicemail Message Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon</
S6 E105 · Sun, April 14, 2024
Pray for our Leaders
Did you know that praying for our leaders goes beyond policies? Discover actionable steps to honor God in times of tension. Join Ralph Estep, Jr., as he discusses how to honor God by praying for our leaders. 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 our podcast page Leave A Voicemail Message Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on <a title="Mastering Your Finances" href= "https://www.amazon.com/MASTERING-YOUR-FINANCES-Comprehensive-Financial/dp/B0CN5Q9PSJ/ref=sr_1_1?crid=3T7LBW5MT5G0L&keywords=ralph+estep&qid=1702750208&sprefix=ralph+estep%2Caps%2C9
S6 E104 · Sat, April 13, 2024
Weathering 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 our podcast page Leave A Voicemail Message Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on <a title="Mastering Your Finances" href= "https://www.amazon.com/MASTERING-YOUR-FINANCES-Comprehensive-Financial/dp/B0CN5Q9PSJ/ref=sr_1_1?crid=3T7LBW
S6 E103 · Fri, April 12, 2024
Credit card charge off and forgiveness
Struggling to manage credit card debt? Discover the consequences of charge off and forgiveness on our show! Join Ralph Estep, Jr., as he provides important details to ensure you make informed financial decisions. 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 our podcast page Leave A Voicemail Message Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on <a title="Mastering Your Finances" href= "https://www.amazon.com/MASTERING-YOUR-FINANCES-Comprehensive-Financial/dp/B0CN5Q9PSJ/ref=sr_1_1?crid=3T7LBW5MT5G0L&keywords=ralph+estep&qid=1702750208&sprefix=ralph+estep%2Ca
S6 E102 · Thu, April 11, 2024
Filing a Tax Extension
Are you feeling overwhelmed with tax season? Tune in to our latest episode where we dive into the world of filing a tax extension. Join Ralph Estep, Jr., and learn the pros, cons, and steps you need to take to navigate this process effectively. 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 our podcast page Leave A Voicemail Message Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on <a title="Mastering Your Finances" href= "https://www.amazon.com/MASTERING-YOUR-FINANCES-Comprehensive-Financial/dp/B0CN5Q9PSJ/ref=sr_1_1?crid=3T7LBW5MT5G0L&keywords=ralph+estep&qid=17
S6 E101 · Wed, April 10, 2024
Unusual Business Traditions
Curious about unusual business traditions? Join Ralph Estep, Jr., as he dives into the world of quirky corporate customs with our latest podcast episode! From lucky Kit-Kat bars to honking horns at Nike meetings, we uncover fun and unusual practices. 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 our podcast page Leave A Voicemail Message Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on <a title="Mastering Your Finances" href= "https://www.amazon.com/MASTERING-YOUR-FINANCES-Comprehensive-Financial/dp/B0CN5Q9PSJ/ref=sr_1_1?crid=3T7LBW5MT5G0L&keywords=ralph+estep&
S6 E100 · Tue, April 09, 2024
Tips for Avoiding Email Spam
Reclaim your inbox from email spam with our top 10 strategies! Join Ralph Estep, Jr., as he provides tips for avoiding email spam and how to reclaim control of your inbox. 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 our podcast page Leave A Voicemail Message Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on <a title="Mastering Your Finances" href= "https://www.amazon.com/MASTERING-YOUR-FINANCES-Comprehensive-Financial/dp/B0CN5Q9PSJ/ref=sr_1_1?crid=3T7LBW5MT5G0L&keywords=ralph+estep&qid=1702750208&sprefix=ralph+estep%2Caps%2C90&sr=8-1" target="_blank" rel="noope
S6 E99 · Mon, April 08, 2024
Big Hairy Audacious Goals and Green Light Thinking
Unlock your potential with BHAG's! Join me on a journey of faith and ambition as we explore big, hairy, audacious goals. From financial freedom to impacting communities, discover how faith can fuel your dreams. Don't miss out on this empowering episode! 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 our podcast page Leave A Voicemail Message Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on <a title="Mastering Your Finances" href= "https://www.amazon.com/MASTERING-YOUR-FINANCES-Comprehensive-Financial/dp/B0CN5Q9PSJ/ref=sr_1_1?crid=3T7LBW5MT5G0L&keywords=ralph+este
S6 E98 · Sun, April 07, 2024
Paid in Full - Jesus on the Cross
Join Ralph Estep, Jr., as he explores how Jesus paid in full all of your debts including your financial debts and how this gift from God will transform your life. 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 our podcast page Leave A Voicemail Message Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on <a title="Mastering Your Finances" href= "https://www.amazon.com/MASTERING-YOUR-FINANCES-Comprehensive-Financial/dp/B0CN5Q9PSJ/ref=sr_1_1?crid=3T7LBW5MT5G0L&keywords=ralph+estep&qid=1702750208&sprefix=ralph+estep%2Caps%2C90&sr=8-1" target="
S6 E97 · Sat, April 06, 2024
Tips for Accounting for Rental Properties
Dive into the world of rental property accounting with our latest episode! Learn essential tips for managing rental income and expenses like a pro. Join Ralph Estep, Jr., as he provides useful tips for accounting for rental properties. LISTEN NOW WATCH NOW ON YOUTUBE (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 our podcast page Leave A Voicemail Message Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesu
S6 E96 · Fri, April 05, 2024
Understanding Admitted versus Non-Admitted Insurance Companies
Curious about the difference between Admitted and Non-Admitted Insurance Companies? Dive into the complexities with Ralph Estep, Jr., on the latest episode of our podcast! 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon
S6 E95 · Thu, April 04, 2024
ROTH IRA Conversions
Dive deep into the world of Roth IRA conversions with Ralph on the latest episode of the Ask Ralph Podcast! Learn about the benefits, ideal candidates, and strategic timing for converting your traditional IRA to a Roth IRA. Don't miss out on maximizing tax savings and growth potential in retirement! 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon
S6 E94 · Wed, April 03, 2024
Weird Business Laws
Dive into the bizarre world of weird business laws with our latest podcast episode! Join Ralph Estep, Jr., as he explores the strangest, funniest, and downright baffling statutes governing American commerce. From bear claw bans to fish lasso restrictions, you won't believe these laws exist! 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon
S6 E93 · Tue, April 02, 2024
AI Generated Robocalls
Dive into the world of AI generated robocalls on the latest episode of the Ask Ralph Podcast. Discover the truth behind these scams and how to protect yourself. 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon
S6 E92 · Mon, April 01, 2024
Frugal Tips from Growing Up Poor
Curious about how growing up poor can teach essential financial lessons? Discover the power of frugality as Ralph Estep Jr., share tips from budgeting to gratitude, we cover it all. Join us for practical tips to enhance your financial future. 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon
S6 E91 · Sun, March 31, 2024
Intentionally Choosing Christ
Feeling disconnected from your spiritual journey? Join Ralph Estep, Jr., as he delves into practical ways to recenter our lives on Christ. Ralph gives action steps to encourage your intentionally choosing Christ. Listen now to ignite your spiritual fire! 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon
S6 E90 · Sat, March 30, 2024
Insightful Chat about Financial Literacy with Dr. Christopher Loo
DIVE INTO FINANCIAL LITERACY - In this thought-provoking podcast episode, Ralph Estep, Jr., and Dr. Christopher Loo explore the importance of financial literacy and its impact on our lives. Discover how to empower yourself financially and align your values with your finances in this episode all about financial literacy. 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon
S6 E89 · Fri, March 29, 2024
Why it's vital to keep business and personal finances separate
Are your personal and business finances mixed up? It's time to make a change! Join Ralph Estep Jr., as he shares actionable steps to divide your money, protect your assets, and avoid financial disaster. Listen now for valuable insights on keeping personal finances separate from your business. 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon
S6 E88 · Thu, March 28, 2024
Death and Taxes
Dealing with taxes after a loved one's passing? Let's navigate this together! Join Ralph Estep, Jr., as he breaks down death and taxes and provides a roadmap for managing the process during this emotional time. 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon
S6 E87 · Wed, March 27, 2024
Advertising Fails and Mishaps
Ever seen a business ad that left you scratching your head? Join Ralph Estep, Jr., as he explores advertising fails and mishaps. Listen in for a good laugh and some key takeaways! 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon
S6 E86 · Tue, March 26, 2024
Taxation of Cryptocurrency
Curious about how to navigate cryptocurrency taxes? Join Ralph Estep, Jr., as he breaks down everything you need to know about taxation of cryptocurrency. From key definitions to tax strategies, we've got you covered. Tune in for expert advice and make informed decisions with your crypto assets. 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon
S6 E85 · Mon, March 25, 2024
5 Ways to Payoff Credit Card Debt
Struggling with credit card debt? Join Ralph Estep, Jr., as he shares 5 practical steps to help you conquer and payoff credit card debt for good! 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon
S6 E84 · Sun, March 24, 2024
Give it over to God
Feeling overwhelmed with finances? Our podcast episode "Give it over to God" provides a roadmap to align your financial goals with God's purpose. Take the first step towards financial freedom today! 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon
S6 E83 · Sat, March 23, 2024
Deciphering Reverse Mortgages
Considering a reverse mortgage? Our latest episode dives deep into the pros, cons, and steps to take before making this financial decision. Join Ralph Estep Jr, as he works on deciphering reverse mortgages. 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon
S6 E82 · Fri, March 22, 2024
Medical Expense Deductions
Unraveling the mystery of medical expense deductions! Join Ralph Estep, Jr., as he breaks down what you can and can't deduct on your taxes. 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon
S6 E81 · Thu, March 21, 2024
Correcting Tax Filing Errors
Did you make a mistake on your tax return? Don't worry, it happens to the best of us. Join Ralph Estep, Jr., as he discusses correcting tax filing errors and getting penalties removed. 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon
S6 E80 · Wed, March 20, 2024
Ridiculous Business Expenses
Curious about the most ridiculous business expenses people have tried to deduct? Join Ralph Estep, Jr., as he uncovers some jaw-dropping stories and practical tax tips! 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon
S6 E79 · Tue, March 19, 2024
Technology Transforming Personal Finance
Ready to navigate the brave new world of digital money and high-tech finance? Join Ralph Estep Jr., as he reviews technology transforming personal finance. From AI-powered financial assistants to immersive shopping and crypto trends, we've got you covered. Tune in for insights on managing your finances wisely in the digital age! 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on <a href= "https://a.co/d/1AUENOB" target="_blank" rel= "noopene
S6 E78 · Mon, March 18, 2024
Private Mortgage Insurance
Want to free up cashflow and eliminate unnecessary expenses in your mortgage payments? Listen to Ralph Estep, Jr., as he discusses Private Mortgage Insurance (PMI) to discover practical tips for getting rid of this costly add-on. Save thousands of dollars - don't miss this episode. 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon
S6 E77 · Sun, March 17, 2024
Healing Your Finances
Ready to transform your financial situation in Jesus' name? Join Ralph Estep, Jr., as he dives into the power of faith and biblical principles for healing your finances. Ralph provides actionable, biblical based steps to heal your finances in Jesus Name. 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon Repost
S6 E76 · Sat, March 16, 2024
New Employee vs Independent Contractor Rule Effective March 11
Join us on the Ask Ralph Show as we unravel the Employee vs. Independent Contractor dilemma in the new rules effective from March 11th, 2024! Learn how to navigate the complex world of worker classification and protect your business interests. 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon
S6 E75 · Fri, March 15, 2024
Inherited IRA Rules
Exploring Inherited IRA Rules! Unravel the complexities of managing an Inherited IRA with our latest podcast episode. Learn about distribution options, tax implications, and actionable advice to optimize your inheritance. 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon
S6 E74 · Thu, March 14, 2024
Simpler IRS Notices
Have you ever been puzzled by an IRS notice? Discover how the IRS has simplified their notices to make things clearer and easier for you to understand. Join Ralph Estep, Jr., as he reviews the simpler IRS notices and how to effectively respond to them. 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon
S6 E72 · Wed, March 13, 2024
Common Money Wasters
Are your everyday expenses draining your bank account like a leaky faucet? Join Ralph Estep, Jr., as he reveals the secrets to identifying and battling common money wasters who may become money monsters in your budget. 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon
S6 E72 · Tue, March 12, 2024
Best ToDo List
Dive into the world of to-do lists from a Christian perspective on our latest episode! Learn how to manage your time effectively and prioritize your tasks in a way that glorifies God. Join Ralph Estep, Jr., as he explores the best todo list apps and techniques. 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon
S6 E71 · Mon, March 11, 2024
Prepaying Your Mortgage
Discover the Secrets of Prepaying your mortgage and how you can save thousands of dollars over the life of the loan and have your home paid off in far fewer years. Join Ralph Estep, Jr., as he make the complex simple and puts together an action plan for how to implement this process in your financial life. 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon
S6 E70 · Sun, March 10, 2024
Building Your House on Sand
'Building Your House on Sand,' we tackle the importance of finding true sources of security and making wise financial choices. Join Ralph Estep, Jr., as he explores personal stories of instability and share practical steps for building an unshakeable life rooted in faith. 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon
S6 E69 · Sat, March 09, 2024
Navigating Finances in Divorce
Going through a divorce can leave you feeling overwhelmed, especially when it comes to finances. Join Ralph Estep, Jr., as he offers actionable steps in navigating finances in divorce. Learn about appraisals, consulting professionals, budgeting, credit, and emotional well-being. Empower yourself with the knowledge and support to navigate this challenging time. 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on <a href= "https://a.co/d/1AUENO
S6 E68 · Fri, March 08, 2024
The Ten Biggest Mortgage Mistakes and How to Avoid Them
The Ten Biggest Mortgage Mistakes and How to Avoid Them Looking to buy or refinance a home? Don't make these common mortgage mistakes! Join Ralph Estep, Jr., as he shares valuable tips and insights to help you navigate the mortgage maze. 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon A*
S6 E67 · Thu, March 07, 2024
When you Owe the IRS
Attention all taxpayers! Did you know millions of people face the reality of owing money to the IRS every year? When you owe the IRS unpacks the secrets to resolving tax debt stress-free. Don't miss out on Ralph's expert advice! 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon
S6 E66 · Wed, March 06, 2024
Business Myths Debunked
Did you know that some of the most commonly believed business myths are actually holding you back? Join Ralph Estep, Jr., as he takes a more serious tone in this episode - business myths debunked. Ralph provides concrete action steps to achieve success even amongst these business myths. 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon business myths deb
S6 E65 · Tue, March 05, 2024
QR Codes Demystified
Curious about those little square codes that are popping up everywhere? We dive into the world of QR codes, their origin, practical uses, and potential scams to watch out for - QR Codes Demystified and stay informed! 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon
S6 E64 · Mon, March 04, 2024
23 Frugal Habits
Find out how to make intentional choices that can lead to a more fulfilling and financially secure life. Discover 23 frugal habits that align with your values in our latest podcast episode. 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon
S6 E63 · Sun, March 03, 2024
Keeping Faith in Failures
Failure doesn't define us, it refines us. Join Ralph Estep, Jr., as he discusses practical steps to keeping faith in failures during challenging times. Let's rise above failures together! 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon
S6 E62 · Sat, March 02, 2024
Navigating the Challenges of Brick and Mortar Businesses: A Discussion with JoJo Struebing
Navigating the maze of entrepreneurship isn't always straightforward, especially when it comes to brick and mortar businesses. It entails diving into an entirely new world, dealing with demanding customers, adjusting to fluctuating market trends and keeping up with relentless competition. Our featured guest, JoJo Struebing, shared invaluable insight into the brick and mortar business scene. 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey <p dir="ltr" data-t
S6 E61 · Fri, March 01, 2024
Five Common Social Security Myths that Will Ruin Your Retirement
Worried about your retirement? Don't fall for the misconceptions about social security. Join Ralph Estep, Jr., and learn the truth behind common social security myths and protect your future. 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon
S6 E60 · Thu, February 29, 2024
10 IRS Audit Flags
Worried about IRS audits? We've got you covered! In our latest podcast episode of the top 10 IRS Audit Flags, we spill the beans on the common mistakes that could land you in the hot seat with the IRS. Learn the secrets to protect yourself and your finances. 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon
S6 E59 · Wed, February 28, 2024
Unusual Business Titles
Are you ready for something different? Join me on the Ask Ralph Show as we take a break from the norm and delve into the realm of unusual business titles. From the Director of First Impressions to the Chief Listening Officer, discover the role that resonates with you the most! 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon
S6 E58 · Tue, February 27, 2024
Using Online Tax Software or Selecting an Accountant
Join 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on <a href= "https://a.co/d/1AUENOB" target="_blank"
S6 E57 · Mon, February 26, 2024
Reigniting a Passion in Your Business
Ralph discusses the common challenge of losing motivation and passion in running a small business. He shares strategies for reconnecting with the initial spark that inspired entrepreneurship and finding renewed joy in the business. 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon
S6 E56 · Sun, February 25, 2024
The Gift of Forgiveness: Extending Grace to Others
The show is a reflection on the transformative power of forgiveness and the act of extending grace to others, particularly focusing on how forgiveness can impact one's financial well-being and overall life. Join Ralph Estep, Jr., as he explores the concept of forgiveness from a spiritual perspective, drawing on biblical references and personal experiences to highlight the importance and benefits of forgiveness in relationships and personal growth. 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Follow
S6 E55 · Sat, February 24, 2024
Navigating Real Estate with Gina Crowder
The host, Ralph, and his guest, Realtor Gina McCollum Crowder, discuss a range of topics surrounding real estate investing including making the most of real estate investments, buying and selling property to maximize financial gains, the importance of a client-focused approach, challenges in buying property at present times, impact of prevailing interest rates on property buying, a comparison between the net worth of homeowners and renters, preparation for selling a house, procedures for pricing a property, underwriting obstacles, and considerations for real estate investors. .. 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on <a title="Mastering Your Finances" href= "https://www.amazon.com/MASTERING-YOUR-FINANCES-Comprehensive-Financial/dp/B0CN5Q9PSJ/ref=sr_1_1?crid=3T7LBW5MT5G0L&keywords=ralph+estep&qid=1702750208&sprefix=ralph+estep%2Caps%2C90&sr=8-1" target="_blank"
S6 E54 · Fri, February 23, 2024
Common 401K Myths
Are you confident that your retirement plan is set up for success? Join us on our latest episode as we debunk some common myths surrounding your 401k. Don't miss out on valuable insights that could maximize your savings! 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon
S6 E53 · Thu, February 22, 2024
Deducting Home Improvements
Thinking of doing home improvements? Want to know if you can deduct the expenses on your taxes? Join me as we uncover the truth! 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon
S6 E52 · Wed, February 21, 2024
Crazy Tax Deductions
In this episode of the Wacky Wednesday show, Ralph Estep, Jr., discusses bizarre and unusual tax deductions that have caused taxpayers to end up in trouble with the IRS. Ralph highlights that while some of these cases may sound amusing, the ramifications can be severe, often leading to additional taxes, penalties, and in some cases, criminal charges. 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on <a href= "https://a.co/d/1AUENOB" target="
S6 E51 · Tue, February 20, 2024
Creating an Effective Email Marketing Campaign
In the Tuesday's technology show, Ralph Estep Jr., discusses the importance of an effective email marketing system for small businesses. He walks through the process of creating a successful system, which includes defining goals, building an email list, choosing an email marketing software, and designing templates. Other tips mentioned include crafting compelling content, segmenting audience, automating campaigns, and complying with email marketing regulations. The importance of testing and optimization is also noted, as well as resources to learn more about the topic. 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on <a title="Mastering Your Finances" href= "https://www.amazon.com/MASTERING-YOUR-FINANCES-Comprehensive-Financial/dp/B0CN5Q9PSJ/ref=sr_1_1?crid=3T7LBW5MT5G0L&keywords=ralph+estep&qid=1702750208&sprefix=ralph+estep%2Caps%2C90&sr=8-1" target="_blank" rel="noop
S6 E50 · Mon, February 19, 2024
Setting SMART Financial Goals
Join Ralph Estep Jr as he speaks about setting smart financial goals to achieve financial success. It introduces the concept of SMART goals (Specific, Measurable, Achievable, Relevant, Time-Bound) and provides examples of how to apply them to different areas of personal finance, such as saving for a down payment, paying off credit card debt, saving for retirement, improving credit scores, and building an emergency fund. Ralph emphasizes the importance of staying motivated, committed, and focused on achieving financial goals. 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon <p dir="ltr" data-test-b
S6 E49 · Sun, February 18, 2024
Growing in Wisdom: Applying Biblical Principles
The Ask Ralph Sunday edition features a deep dive into the intersection of faith and finances. Ralph Estep encourages listeners to explore financial and other topics from a biblical perspective and discusses his new book, 'The Gospel of Entrepreneurship: Following Jesus in Your Business Journey'. The primary focus of this show is growing in wisdom from applying biblical principles like patience, humility, discernment and living by the golden rule. The importance of wise decisions, treating others well, good financial stewardship, seeking wise counsel, and aligning thoughts with God's truth are also emphasized. 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on <a title="Mastering Your Finances" href= "https://www.amazon.com/MASTERING-YOUR-FINANCES-Comprehensive-Financial/dp/B0CN5Q9PSJ/ref=sr_1_1?crid=3T7LBW5MT5G0L&keywords=ralph+estep&qid=1702750208&spre
S6 E48 · Sat, February 17, 2024
Understanding Your Constitutional Rights: A Conversation with Chris Rowe
In this episode of the Ask Ralph Show, host Ralph Estep speaks with Chris Rowe, a renowned constitutional expert. Together, they delve into the significance of the U.S Constitution, its origins and how a thorough understanding impacts individuals. The duo discuss how the knowledge of the Constitution should guide us as citizens and inform our voting decisions. Furthermore, Chris explains the importance of addressing these fundamentals in our education system to secure our rights and freedoms. The podcast ends with an interesting discussion about the implications of the current economic and political developments on the mortgage industry. 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on <a title="Mastering Your Finances" href= "https://www.amazon.com/MASTERING-YOUR-FINANCES-Comprehensive-Financial/dp/B0CN5Q9PSJ/ref=sr_1_1?crid=3T7LBW5MT5G0L&keywords=ral
S6 E47 · Fri, February 16, 2024
12 Steps to Take 6 Months Before You Retire
Join Ralph Estep, Jr. as he discussed 12 Steps to Take 6 Months Before you retire and discusses the steps individuals should consider before retiring. 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon
S6 E46 · Thu, February 15, 2024
SEP IRA's Explained
Understanding SEP IRAs: Saving on Taxes and Planning for Retirement In this episode of 'Ask Ralph', we delve into Simplified Employee Pension Individual Retirement Account (SEP IRA), a retirement savings tool primarily suitable for small business owners or independent contractors without employees. 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon
S6 E45 · Wed, February 14, 2024
Unconventional Ways to Spend Money
Join 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 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on <a title="Mastering Your Finances" href= "https://www.amazon.com/MASTERING-YOUR-FINANCES-Comprehensive-Financial/dp/B
S6 E44 · Tue, February 13, 2024
Leveraging Technology to Improve Customer Service and Grow Your Business
Ralph Estep Jr. discusses the essential role of customer service in any business, and how technology can enhance it. He discusses how Customer Relationship Management software, chat bots, and self-service options can effectively cater to customer needs. Ralph explores the creation and promotion of self-service portals, drawing from his own business experiences. He also talks about using social media as a direct line of communication with customers, incorporating it for personalized support, automated messaging, and customer privacy handling. Furthermore, he outlines the future of customer service with AI-driven solutions like voice assistance and augmented reality. 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on <a title="Mastering Your Finances" href= "https://www.amazon.com/MASTERING-YOUR-FINANCES-Comprehensive-Financial/dp/B0CN5Q9PSJ/ref=sr_1_1?crid=3T7LBW5MT5G0L&ke
S6 E43 · Mon, February 12, 2024
Financing Your Home - Here are the Basics
Ralph Estep Jr advises on the home financing process, discussing the pre-approval process, house hunting, applying for a mortgage and going through the underwriting procedure. 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon
S6 E42 · Sun, February 11, 2024
Living a Life of Integrity - Honoring God's Commandments
Explore the importance of living a life of integrity and honoring God's commandments in this thought-provoking episode. Learn how aligning your financial decisions with ethical practices can lead to long-term success and fulfillment. 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon
S6 E41 · Sat, February 10, 2024
A Game Plan for Success: Brandon Steiner on Winning in Sports Memorabilia and Beyond
Entrepreneur Brandon Steiner shares his insights on success, embracing challenges, and the importance of work-life balance in the sports memorabilia industry. 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon
S6 E40 · Fri, February 09, 2024
Converting Personal Vehicles to Business Use
Ralph Estep Jr., discusses the process and benefits of converting personal vehicles to business use. He explains how this can lower taxes, provide deductions, and offers tips on documentation, deduction methods, and insurance considerations. 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon
S6 E39 · Thu, February 08, 2024
Common Tax Jargon
Baffled by tax jargon? Demystify terms like adjusted gross income, itemized deductions, tax brackets, and tax credits. Listen now to learn more! 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon
S6 E38 · Wed, February 07, 2024
Weird Side Hustles
In this episode of the Ask Ralph podcast, Ralph Estep, Jr. discusses some truly bizarre and interesting side hustles. These include being a professional bed warmer, sleeper, mourner, mermaid, pet psychic, scare actor, bridesmaid or groomsman, slime maker, line sitter, human mannequin, and snake milker. These unconventional methods of making money challenge commonly held perceptions about generating income and underscore the endless opportunities available in the world of side hustles. 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon
S6 E37 · Tue, February 06, 2024
Cybersecurity for Entreprenuers
In this episode of the Ask Ralph podcast, host Ralph Estep, Jr. delves into the importance of cybersecurity for small businesses and entrepreneurs, emphasizing that they accounted for 43% of all cyber attacks in 2020. He offers concrete strategies and practical steps that businesses can take to buffer against cyber attacks. This includes developing a strong password policy, enabling two-factor authentication, updating software regularly, and educating employees about cybersecurity. Other measures include using robust firewall and antivirus software, conducting regular cybersecurity assessments and audits, as well as implementing strict access controls. The podcast also advises on cybersecurity insurance and effective response to suspected security breaches. A comprehensive cybersecurity checklist for small businesses is mentioned to be available upon visiting the Ask Ralph podcast webpage. 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more informa
S6 E36 · Mon, February 05, 2024
Overcoming Fear of Failure: Taking Risks in Business and Finance
In this episode of the 'Ask Ralph' podcast, host Ralph Estep, Junior, discusses how overcoming the fear of failure can unlock greater levels of success in business and personal finance. He proposes eight concrete steps: embracing the unknown, weighing potential risks and rewards, fostering a growth mindset, creating a supportive network, pursuing ongoing education, planning for contingencies, trusting one's intuition, and maintaining self-belief. Emphasizing that failure should not be seen as a dead end but a stepping stone to success, Ralph encourages audience participation through reviews and feedback. 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on <a title="Mastering Your Finances" href= "https://www.amazon.com/MASTERING-YOUR-FINANCES-Comprehensive-Financial/dp/B0CN5Q9PSJ/ref=sr_1_1?crid=3T7LBW5MT5G0L&keywords=ralph+estep&qid=1702750208&sprefix=ra
S6 E35 · Sun, February 04, 2024
Finding Strength in Times of Trouble - Trusting God's Plan
Ralph Estep Jr. explores how to find strength in times of trouble and trust in God's plan. He emphasizes the importance of surrendering to God's guidance, seeking his wisdom, and cultivating resilience, gratitude, and mindfulness. Ralph also encourages setting goals, embracing change, and celebrating personal strengths. The episode concludes with a prayer and a reminder that trusting in God's plan empowers us to overcome any challenge. 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon
S6 E34 · Sat, February 03, 2024
Capitalize on Strengths, Overcome Weaknesses: A Conversation with Professor Craig Van Slyke
Ralph introduces Craig, a podcast host of "Live Well and Flourish" who shares practical wisdom to live an excellent life. The discussion is focused on leveraging personal strengths and accepting weaknesses, emphasizing the importance of knowing oneself and making informed decisions for living a life of virtue and reason. 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon
S6 E33 · Fri, February 02, 2024
Pass-Through Entities Explained
Join Ralph Estep, Jr. as he explains Pass Through Entities and provides an in-depth explanation of pass-through entities such as LLCs and corporations. It covers topics such as how these entities work, the tax benefits they offer, and the steps to create one for a business. Ralph emphasizes the importance of consulting with professionals for legal and tax advice. Additionally, Ralph highlights the potential tax savings, personal liability protection, and ability to deduct business losses that come with using pass-through entities. 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon
S6 E32 · Thu, February 01, 2024
Don't Miss These Tax Credits
In this episode of the Ask Ralph podcast, host Ralph Estep, Jr. explains the difference between tax credits and deductions. He also explores common tax credits for the 2023 tax return, such as the child tax credit and the earned income tax credit. Additionally, Ralph delves into lesser-known credits like the lifetime learning credit and the residential energy efficient property credit. 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon
S6 E31 · Wed, January 31, 2024
Crazy Business Ideas That Actually Worked
Join 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. 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on <a title="Mastering Your Finances" href= "https://www.amazon.com/MASTERING-YOUR-FINANCES-Comprehensive-Financial/dp/B0CN5Q9PSJ/ref=sr_1_1?crid=3T7LBW5MT5G0L&keywords=ralph+estep&
S6 E30 · Tue, January 30, 2024
Benefits and Risks of Using Personal Financial Apps
The episode of Ask Ralph podcast hosted by Ralph Estep Jr., focuses on the benefits, costs, and risks associated with personal financial apps such as Mint, Personal Capital, Pocket Guard, and YNAB. The podcast describes how these apps aid in managing finances, budgeting, tracking expenses, and providing financial education. 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon
S6 E29 · Mon, January 29, 2024
10 Myths about Retirement
In this episode, host Ralph Estep, Jr. discusses common myths about retirement and debunks them. He covers topics such as the misconception that retirement means no work, the reliance on Social Security for all expenses, the importance of saving for retirement early, the potential risks of excessive withdrawals from retirement accounts, and more. Ralph emphasizes the need for financial planning, consulting with professionals like financial advisors and tax advisors, and creating a comprehensive estate plan. 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon
S6 E28 · Sun, January 28, 2024
Finding Purpose in God's Kingdom - Using Your Gifts
In this episode of the Ask Ralph podcast, host Ralph Estep Jr. discusses how individuals can find their purpose and success by using their unique gifts according to religious teachings. He emphasizes the importance of self-reflection and using one's gifts not just for personal growth but also for contributing to the greater good and glorifying God. Ralph also highlights the importance of community support on this journey, tackling challenges with faith and resilience, and integrating faith into various aspects of life including business, careers, and personal relationships. The episode ends with a closing prayer and an invitation for listeners to explore additional resources and provide feedback on the podcast. 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on <a title="Mastering Your Finances" href= "https://www.amazon.com/MASTERING-YOUR-FINANCES-Compr
S6 E27 · Sat, January 27, 2024
Five Tax Blunders That Can Leave You Broke
In 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 and make smart decisions with their money. 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on <a title="Mastering Your Finances" href= "https://www.amazon.com/MASTERING-YOUR-FINANCES
S6 E26 · Fri, January 26, 2024
Purchasing versus Leasing Your Next Vehicle
In this episode of Ask Ralph, the podcast dedicated to answering finance-related questions, host Ralph Estep, Jr. explores the topic of financing versus leasing when it comes to purchasing a car. Ralph then delves into the differences between financing and leasing a car purchase. 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon
S6 E25 · Thu, January 25, 2024
Beneficial Ownership Reporting - What you need to know!
In this episode of The Ask Ralph Show, host Ralph Estep Jr. explores the topic of beneficial ownership reporting, providing valuable insights into who truly owns and controls businesses. These regulations, implemented by FinCen to combat money laundering and enhance transparency, aim to uncover the individuals behind corporate structures and shell companies. By disclosing beneficial ownership information, national security efforts are strengthened as it helps detect terrorism financing, prevent money laundering, counter organized crime, curb corruption, and enhance risk assessment. The regulations promote transparency and accountability in the financial system while reducing opportunities for illicit financial activities. However, it is important for businesses to be aware of their reporting obligations as failure to comply can lead to penalties and legal consequences. Seeking legal advice is recommended to ensure compliance with specific reporting requirements that may vary depending on jurisdiction. Certain entities may be exempt from these requirements if they are publicly traded or already subject to regulatory oversight. Understanding whether a business falls within the scope of these regulations is crucial in determining compliance. Complying with beneficial ownership reporting is essential not only for avoiding fines but also for preventing reputational damage that non-compliance can bring. Listeners are encouraged to visit www.askralphpodcast.com for more information on this topic or access previous episodes of The Ask Ralph Show hosted by Ralph Estep Jr., proudly sponsored by Saggio Accounting Plus. 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 <a title= "Leave A Voicemail Me
S6 E24 · Wed, January 24, 2024
Crazy Tax Mistakes and How to Fix Them
Join Ralph Estep, Jr. on the Ask Ralph Show as he explores crazy tax mistakes and how to fix them. From deducting pets as dependents to inflating charitable contributions, these stories highlight the importance of staying within tax laws. Practical advice includes maintaining meticulous records, accurately reporting income, and seeking professional assistance when needed. Listeners are encouraged to review their returns for errors and seek help if unsure. The episode emphasizes the significance of accurate filing practices to avoid audits or penalties. 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon</a
S6 E23 · Tue, January 23, 2024
Tips for Staying Safe Online and Balancing Your Digital Life
In this episode of the 'Ask Ralph' podcast, host Ralph Estep Jr. discusses the importance of staying safe online in the digital age. He begins by asking listeners if they are confident that they are doing everything they can to protect their personal information online. Ralph emphasizes that with the convenience of living in a digital world comes risks and potential threats. He advises listeners to ensure that their devices and accounts are secure by regularly updating software, using strong and unique passwords, and enabling two-factor authentication whenever possible. Maintaining a healthy digital balance is equally important in navigating the digital age. Ralph provides tips for setting boundaries on device usage timeframes throughout the day; taking regular breaks from screens; practicing mindful usage; creating tech-free zones at home or work; disconnecting from screens before bedtime; prioritizing real-life connections through face-to-face interactions; engaging in offline hobbies or activities; practicing periodic digital detoxes; utilizing productivity tools to manage time effectively while preventing distractions. 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. <p dir="ltr" data
S6 E22 · Mon, January 22, 2024
There's Hope for Getting a Mortgage After Bankruptcy
In this episode of Ask Ralph, the host, Ralph Estep Jr., discusses the topic of "Buying a Home After Bankruptcy." He acknowledges that declaring bankruptcy can have a significant impact on one's finances, including a drop in credit score and its presence on the credit report for up to 10 years. However, he reassures listeners that it is not impossible to buy a home after bankruptcy; it just requires time and effort to rebuild credit and financial stability. 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon
S6 E21 · Sun, January 21, 2024
Spiritual Reasons for Personal Frugality - Poor in Life - Rich in Spirit
Join Ralph Estep, Jr., on today’s show where he explores the topic “Poor in Life, Rich in Spirit” In our fast-paced and consumer-driven world, it's easy to get caught up in the pursuit of material wealth and possessions. However, there is a deeper spiritual dimension to the way we handle our finances and embrace a frugal lifestyle. Today, we'll explore the biblical perspective on personal frugality and discuss ways to achieve it in our daily lives. 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon
S6 E20 · Sat, January 20, 2024
Avoiding "The Mailbox is Full"
In today's episode of Ask Ralph, Ralph Estep, Jr., discussed the crucial importance of never allowing your customer to hear the dreaded message, "The person you are calling has a voicemail box which is full." He explores alternative solutions for small businesses that rely heavily on their cell phones as their main point of contact. He highlights the frustration that both customers and business owners experience when important calls go unanswered due to a full voicemail box. To avoid this situation, he introduces some fantastic products that provide alternatives to using simple cell phones. 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on <a title="Mastering Your Finances" href= "https://www.amazon.com/MASTERING-YOUR-FINANCES-Comprehensive-Financial/dp/B0CN5Q9PSJ/ref=sr_1_1?crid=3T7LBW5MT5G0L&keywords=ralph+estep&qid=1702750208&sprefix=ralph+estep%2Cap
S6 E19 · Fri, January 19, 2024
Building An Emergency Savings Fund
Join Ralph Estep, Jr., as he discusses why building an emergency savings plan is crucial for financial security and peace of mind. Living paycheck to paycheck without savings leaves individuals vulnerable to unexpected events like job loss, medical emergencies, or car repairs. By building an emergency savings fund, you create a financial cushion to protect yourself from these situations. The first step is setting a savings goal, ideally three to six months' worth of living expenses. Break this goal into manageable milestones to track your progress. Creating a budget is essential. Analyze your income and expenses to identify areas where you can cut back and allocate more money towards your emergency savings. Automating savings through automatic transfers from your paycheck or checking account into a separate emergency savings account can help you stay consistent. 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! B
S6 E18 · Thu, January 18, 2024
Tax Implications of Selling Your Home
Join Ralph Estep, Jr. as he discusses the important topic of reporting the sale of a primary residence. He provides information on the essential documents needed for accurate reporting, such as the closing statement, purchase and sales agreement, home improvement records, property tax records, and mortgage and loan information. Ralph highlights key points related to capital gains tax, including eligibility for a capital gains tax exclusion and partial exclusions based on specific circumstances. He also mentions the IRS forms required to report the sale and discusses additional tax considerations like the net investment income tax and state and local taxes. Ralph emphasizes the complexity of reporting the sale and advises listeners to consult with a qualified tax professional for personalized advice. 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on <a t
S6 E17 · Wed, January 17, 2024
Wacky Business Story Headlines
In this episode of Ask Ralph, host Ralph Estep, Jr. explores the wackiest business news stories that have made headlines. These stories remind us that entrepreneurship is full of surprises and that truth can often be stranger than fiction. The first story highlights the Million-Dollar Potato Salad campaign launched on Kickstarter in 2014. Zack Brown raised over a million dollars from thousands of backers for his simple potato salad recipe. While some criticized it as a waste of money, others saw it as a testament to the power of crowdfunding and the randomness of the internet. Next, Ralph discusses the Pet Rock phenomenon from the 1970s. Gary Dahl sold rocks as low-maintenance pets, complete with humorous instruction manuals. The idea became a cultural phenomenon, with millions of pet rocks sold and even a fan club. It demonstrated people's willingness to buy into quirky and unconventional ideas. The Iceberg Water business is another unique story. In 2015, a company called Iceberg Water began harvesting icebergs in Newfoundland and Labrador, Canada, and selling the melted iceberg water at a premium price. People were willing to pay for this "pure" and unique water, showcasing the value found in unexpected places. Ralph then talks about the World's Most Expensive Hot Dog, created in a Seattle restaurant in 2012. Priced at $169, the hot dog included extravagant ingredients like Wagyu beef, foie gras, black truffles, and caviar. While most people would settle for a regular hot dog, some were willing to splurge on this culinary experience. Lastly, Ralph discusses the Avocado Hand incident that gained attention in 2017. People were accidentally injuring themselves while trying to handle avocados, leading to discussions about safety warnings on avocado packaging. It served as a reminder that even the simplest things can become unexpected hazards. LISTEN NOW Please share our Podcast with all your friends and family! Submit your questions or ideas for future shows - emai
S6 E16 · Tue, January 16, 2024
Best Accounting Software for 2024
In this episode of Ask Ralph, host Ralph Estep, Jr. discusses the best technology for handling accounting tasks in small businesses and the benefits of partnering with a professional accounting firm. Ralph emphasizes that technology has revolutionized the way businesses are managed, including accounting. He highlights four popular accounting software options: QuickBooks, Xero, FreshBooks, and Zoho Books. 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon
S6 E15 · Mon, January 15, 2024
Using Your Core Compentencies to Manage Business Success
In this episode of Ask Ralph, host Ralph Estep Jr. addresses the common struggle of finding motivation as a small business owner and offers a solution: focusing on core competencies instead of chasing after the competition. Ralph emphasizes that getting caught up in analyzing competitors can drain motivation and lead us away from our true strengths. Instead, he suggests finding motivation by understanding and harnessing our core competencies – the unique strengths, skills, and resources that set our businesses apart. 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon <p class="MsoN
S6 E14 · Sun, January 14, 2024
Using Prayer to Navigate Financial Hard Times
In this episode of Ask Ralph, host Ralph Estep, Jr. explores the topic of navigating stormy financial times with faith and prayer. Ralph emphasizes that life can bring unexpected storms, especially when it comes to finances. Job loss, economic downturns, and unforeseen expenses can leave individuals feeling anxious and uncertain. However, he reminds listeners that they are not alone in these challenging times. Ralph highlights the power of faith in providing strength, hope, and resilience during financial trials. He shares the wisdom of Proverbs 3:5-6, which encourages trust in the Lord and seeking His guidance for straight paths. 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on <a title="Mastering Your Finances" href= "https://www.amazon.com/MASTERING-YOUR-FINANCES-Comprehensive-Financial/dp/B0CN5Q9PSJ/ref=sr_1_1?crid=3T7LBW5MT5G0L&keywords=ralph+este
S6 E13 · Sat, January 13, 2024
Estate Planning Chat with Attorney Kevin Baird
Join Ralph Estep Jr. on today's show as he engages in a conversation with Attorney Kevin Baird from the law firm of Baird, Mandalas, Brockstedt & Frederico. Ralph and Kevin have an insightful discussion about estate planning and the essential documents that we should all have prepared, not only for when we pass away but also in case we become unable to make decisions for ourselves. Kevin debunks common misconceptions surrounding estate planning and clarifies the costs associated with these documents while emphasizing their significance for everyone. Additionally, Kevin generously offers a discount to clients who mention the Ask Ralph Show. 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on <a title="Mastering Your Finances" href= "https://www.amazon.com/MASTERING-YOUR-FINANCES-Comprehensive-Financial/dp/B0CN5Q9PSJ/ref=sr_1_1?crid=3T7LBW5MT5G0L&keywords=ralph+estep&qid=170
S6 E12 · Fri, January 12, 2024
Innocent Spouse Relief
The innocent spouse rules with the Internal Revenue Service are provisions designed to protect taxpayers from the tax liabilities of their current or former spouse. In this episode of the Ask Ralph podcast, host Ralph Estep, Jr. explores this crucial area of tax law and its impact on individuals facing challenging situations. 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon
S6 E11 · Thu, January 11, 2024
Deferred Interest Loans - Don't Get Pinched!
Deferred interest loans have become increasingly popular, particularly in the retail sector, as they allow consumers to make purchases without incurring any interest charges for a specified period. While these loans offer flexibility and the opportunity to build credit, there are potential risks that borrowers need to be aware of. Join Ralph Estep, Jr., as he gets into the details of these loans so you don't get pinched! 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon
S6 E10 · Wed, January 10, 2024
Getting Ready for Tax Time
Ralph Estep, Jr. welcomes listeners to another episode of the Ask Ralph podcast, where he delves into taxes and financial matters. In this episode, he focuses on preparing for tax season and provides valuable guidance on finding a professional accountant, gathering necessary documents, and reviewing completed returns for accuracy. Estep emphasizes the benefits of working with a qualified accountant who can navigate complex tax laws, maximize deductions and credits, and provide tax planning advice. He advises listeners to consider the accountant's credentials, experience, communication style, and availability when making their selection. 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on <a title="Mastering Your Finances" href= "https://www.amazon.com/MASTERING-YOUR-FINANCES-Comprehensive-Financial/dp/B0CN5Q9PSJ/ref=sr_1_1?crid=3T7LBW5MT5G0L&keywords=ra
S6 E9 · Tue, January 09, 2024
7 Ways to Raise Your Credit Score by 200 Points
In this episode of Ask Ralph, we explore the topic of raising your credit score by 200 points in less than five years. Host Ralph Estep Jr. breaks down the importance of credit scores and shares valuable insights on achieving this goal to improve your credit score. 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon
S6 E8 · Mon, January 08, 2024
New Years Financial Resolutions
In the latest episode of the Ask Ralph show, host Ralph Estep, Jr. discusses financial New Year's resolutions for 2024. According to a study from WalletHub, almost half of all Americans plan to make finance-related resolutions in the coming year – a significant increase from last year. However, many individuals anticipate challenges in sticking to their financial plans due to economic uncertainties. 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon
S6 E7 · Sun, January 07, 2024
10 Experiences You Don't Want as a Retiree
In this episode of the Ask Ralph show, host Ralph Estep, Jr. discusses the retirement anti-bucket list – 10 experiences retirees don't want to encounter. He starts by addressing the misconception that one must work until a specific age or accumulate a certain amount of savings before retiring. With proper planning and guidance from a retirement professional, individuals may discover they can retire sooner or transition into part-time work while maintaining financial stability. 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon
S6 E6 · Sat, January 06, 2024
Saving Money on Your Next Car
Today, we're discussing how to save money on your next car purchase. Whether you're in the market for a new or used vehicle, these tips will help you get the best deal possible. LISTEN NOW Please share our Podcast will 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon
S6 E5 · Fri, January 05, 2024
Common Estate Planning Mistakes
Today, we're discussing common estate planning mistakes that you should avoid at all costs. Did you know that two out of three Americans don't have any estate planning documents? That's according to Caring.com’s 2023 Wills and Estate Planning survey. LISTEN NOW Please share our Podcast will 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon
S6 E4 · Thu, January 04, 2024
IRS Penalty Review - Breaking News!
Join Ralph Estep, Jr. as he announces IRS updates regarding automatic penalty relief for taxpayers who had balances due in 2020-2021 but did not receive notices, covering eligibility criteria, ensuring address updated to receive refunds, and options if unable to fully pay like payment plans and offers in compromise. Other key points are creating an online IRS account to access tax information, importance of resolving IRS issues before escalation to liens/levies, and sharing the podcast. LISTEN NOW Please share our Podcast will 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Masteri
S6 E3 · Wed, January 03, 2024
Starting a Small Business - An interview with Amanda Nauman
Are you considering starting a small business? Join Ralph Estep, Jr. as he interviews Amanda Nauman of Zenliven Wellness. Together, they delve into Amanda's journey as a massage therapist and wellness business owner, shedding light on the challenges she encountered when transitioning from being an employee to running her own venture. Amanda reveals how she established a solid groundwork for her business by collaborating with Saggio Accounting and other experts who helped her navigate unexpected aspects of entrepreneurship. Ralph also explores topics such as strategic planning, monitoring business performance, and the pivotal relationships that lay the foundation for small businesses to thrive successfully. LISTEN NOW Please share our Podcast will 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on <a title="Mastering Your Finances" href= "https://www.amazon.com/MASTERING-YOUR-FINANCES-Comprehensive-Financial/dp/B
S6 E2 · Tue, January 02, 2024
Emergency Withdrawals From 401-K Plans - Pros and Cons
Ralph Estep, Jr. discusses the pros and cons of emergency withdrawals from 401(k) plans. He highlights that while hardship withdrawals provide immediate funds during crises without repayment requirements, they can deplete retirement savings and incur taxes and penalties. Additionally, emergency withdrawals often lead to an increase in credit card debt due to high-interest rates and potential difficulty in repayment. Ralph suggests alternatives such as creating an emergency fund, utilizing loan options within 401(k) plans, or seeking financial assistance from government programs or nonprofit organizations. Consulting professionals like Saggio Management Group Inc. is recommended for personalized guidance on navigating these decisions. LISTEN NOW Please share our Podcast will 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on <a title="Mastering Your Finances" href= "https://www.amazon.com/MASTERING-YOUR-FINANCES-
S6 E1 · Mon, January 01, 2024
Inflation Woes - Where Americans Say Their Expenses Have Gone Up
Ralph Estep, Jr. addresses the issue of rising inflation in today's episode of the Ask Ralph show. He discusses areas where Americans have seen increased expenses and provides practical tips for saving money during times of inflation. Ralph suggests strategies such as downsizing or finding more affordable housing options, planning meals in advance to avoid impulse purchases, utilizing energy-efficient practices to reduce energy costs, and exploring alternative transportation methods. He emphasizes the importance of regularly reviewing budgets and seeking personalized advice from professionals like Saggio Management Group Inc. for tailored financial solutions. LISTEN NOW Please share our Podcast will 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on <a title="Mastering Your Finances" href= "https://www.amazon.com/MASTERING-YOUR-FINANCES-Comprehensive-Financial/dp/B0CN5Q9PSJ/ref=sr_1_1?crid=3T7LBW5MT5G0L&keywords
S5 E40 · Sun, December 31, 2023
Steps For Withdrawing An Employee Retention Credit Claim
Ralph Estep, Jr. discusses the steps for withdrawing an Employee Retention Credit (ERC) claim in today's episode of the Ask Ralph show. He emphasizes the importance of reviewing eligibility criteria, gathering relevant documentation, determining the reason for withdrawal or amendment, and seeking guidance from a qualified tax professional. Ralph advises completing Form 941-X to make changes or withdraw an ERC claim and stresses the need to provide a clear explanation when submitting the form. He recommends keeping records of all documents submitted and highlights the importance of accuracy and transparency in tax-related matters. LISTEN NOW Please share our Podcast will 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on <a title="Mastering Your Finances" href= "https://www.amazon.com/MASTERING-YOUR-FINANCES-Comprehensive-Financial/dp/B0CN5Q9PSJ/ref=sr_1_1?crid=3T7LBW5MT5G0L&keywords=ralph+estep&qid=1702750208&sp
S5 E39 · Sat, December 30, 2023
Tax Breaks for Seniors
Ralph Estep, Jr. discusses the best tax breaks for seniors in today's episode of the Ask Ralph show. He highlights tax-saving opportunities such as the extra standard deduction for seniors over 65, spousal IRA contributions, qualified charitable distributions (QCDs), and the Medicare premium deduction. Ralph also suggests exploring state-specific senior tax benefits, downsizing homes to take advantage of capital gains exclusions, and reviewing eligibility for other credits like the Elderly or Disabled Credit. He advises seeking professional advice from experts like Saggio Management Group Inc. to navigate complex tax laws and maximize available tax breaks. LISTEN NOW Please share our Podcast will 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on <a title="Mastering Your Finances" href= "https://www.amazon.com/MASTERING-YOUR-FINANCES-Comprehensive-Financial/dp/B0CN5Q9PSJ/ref=sr_1_1?crid=3T7LBW5MT5G0L&keywords=ra
S5 E38 · Fri, December 29, 2023
Self-Employment Tax
In this episode of the Ask Ralph show, host Ralph Estep, Jr. discusses the important topic of self-employment tax. He explains that self-employment tax is what individuals who work for themselves must pay on their income, including both employer and employee portions of Social Security and Medicare taxes. Ralph provides a step-by-step guide on how to calculate self-employment tax and then explores concrete ways to reduce or avoid paying excessive amounts. These strategies include setting up a pass-through entity like an LLC taxed as an S corporation or partnership, forming a two-member LLC to classify as a partnership for tax purposes, or electing Subchapter S corporation status. Ralph also highlights the long-term benefits of paying self-employment tax, such as eligibility for Social Security benefits in retirement or during disability. Listeners are encouraged to share the podcast with friends and family and visit www.askralphpodcast.com to leave reviews or voicemails. This episode is brought to you by Saggio Management Group, Inc., your trusted partner in financial management. LISTEN NOW Please share our Podcast will 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team
S5 E37 · Thu, December 28, 2023
IRS Related Identity Theft
Ralph Estep, Jr. discusses IRS related identity theft in today's episode of the Ask Ralph show. He emphasizes the importance of responding promptly if the IRS contacts you regarding suspected identity theft and provides steps to take, including contacting the IRS directly and completing Form 14039 - Identity Theft Affidavit. Ralph also highlights the need to protect personal information, monitor credit reports regularly, and be cautious of scams and phishing attempts. He suggests using strong passwords, considering identity theft protection services, and taking proactive measures to prevent identity theft in the first place. The episode concludes with a reminder to share the podcast with friends and family and visit www.askralphpodcast.com for reviews or voicemails. LISTEN NOW Please share our Podcast will 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on <a title="Mastering Your Finances" href= "https://www.am
S5 E36 · Wed, December 27, 2023
Mortgage & Economic Update - An Interview with Jason Bochniak
Looking for a mortgage? Looking for the best rates? Join Ralph Estep, Jr., as he interviews mortgage expert Jason Bockniak. A great discussion about the mortgage market and the overall economy. Jason dives deep into historical trends and points out some concerning signs he sees in overall economic trends and how that may impact the rates on mortgages. This is a much listen to episode if you are interested in learning about some real interesing parallels between today's economy and the late 1970's. Here is a link to some of the information Jason discussed. https://www.freddiemac.com/pmms#:~:text=Current%20Mortgage%20Rates,xlsx LISTEN NOW Please share our Podcast will 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on <a title="Mastering Your Finances" href= "https://www.amazon.com/MASTERING-YOUR-FINANCES-Comprehensive
S5 E35 · Tue, December 26, 2023
Three Reasons To Take Social Security Early
It's a tough choice - When should I take my social security? Let Ralph Estep, Jr., share with you some concrete ideas about the right age to select to take your benefits and the potential pitfalls of making the wrong decision for your specific situation. LISTEN NOW Please share our Podcast will 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon
S5 E34 · Mon, December 25, 2023
The Lawsuit That Could Disrupt The US Tax System
No more taxes on Social Security! Join Ralph Estep, Jr., as he explores the lawsuit which could significantly disrupt the US tax system. As we eagerly await a US Supreme Court decision, listen as Ralph explores the Moore case and how it may impact your taxes and entire US tax system. LISTEN NOW Please share our Podcast will 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon
S5 E33 · Mon, December 25, 2023
A Special Christmas Message - The True Meaning of Christmas
What is the real reason for the season? Join Ralph Estep, Jr., as he shares a special Christmas message about joy, hope and love during the holiday season. All of us at the Ask Ralph podcast wish you a very Merry Christmas and a joyous New Year!
S5 E32 · Sun, December 24, 2023
How to Ruin Your Credit Score - And FIX IT!
Have you ruined your credit score? Many of us have faced the issue of a low credit score that has impacted our ability to borrow, but don't be discouraged. Join Ralph Estep, Jr., and he explains how credit scores are determined, but more importantly how to fix your credit score. LISTEN NOW Please share our Podcast will 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon
S5 E31 · Sat, December 23, 2023
The Four Best Pieces of Money Advice That People Hate to Hear
Money advice that works, but most people don't want to hear because it takes work to turn these ideas into action. Join Ralph Estep, Jr., as he highlights the four pieces of money advice which will absolutely transform your financial present and provide for a bright financial future. LISTEN NOW Please share our Podcast will 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon
S5 E30 · Fri, December 22, 2023
Rules for Determining Independent Contractor Status
Don't make the costly mistake of characterizing someone as an independent contractor when they are really an employee. Ralph Estep, Jr., explores the details related to the process of determining the correct status of workers. Avoid significant penalties and sanctions by listening to this vital podcast. LISTEN NOW Please share our Podcast will 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon
S5 E29 · Thu, December 21, 2023
Tax Tips for Self-Employed and Contract Workers
If you are self-employed or a contract worker you need to listen to today's podcast where Ralph Estep, Jr., explores important tax tips to improve your tax situation. From accurate record keeping to entity considerations, Ralph dives into great ideas for significant tax savings. LISTEN NOW Please share our Podcast will 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon
S5 E28 · Wed, December 20, 2023
Best Tax Tips for Barbers and Cosmetologists
Concrete tax tips and valuable discussion for those working as barbers and in the cosmetology industry. From accounting for tips to using cash apps, Ralph Estep, Jr., dives into beneficial tax assistance strategies. LISTEN NOW Please share our Podcast will 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon
S5 E27 · Tue, December 19, 2023
Time To Select A New Accountant?
Now is the time to find a new Accountant if you are looking to make a change. As we make our New Year's resolutions - now is a great time to resolve to get your books in order. Ralph Estep, Jr., explores why to select a new accountant and what to look for in a new relationship. LISTEN NOW Please share our Podcast will 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon
S5 E26 · Mon, December 18, 2023
The Best Options When You Owe The IRS
People tend to panic when they owe the IRS, but Ralph Estep, Jr., provides the best way to reduce the stress and the remove the fear of the process. It's not something to ignore or put-off and there are steps which everyone should take when they find themselves owing the IRS. LISTEN NOW Please share our Podcast will 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon
S5 E25 · Sun, December 17, 2023
Choosing An Accountant To Handle Your Payroll
Payroll may be a daunting task and if you make mistakes there are significant penalties for not handling payroll correctly. Ralph Estep, Jr., explores why selecting an accountant to handle payroll is so important and explores some of the problems created when errors are made in payroll processing. 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon
S5 E24 · Sat, December 16, 2023
Demystifying Business Valuations
Join Ralph Estep, Jr., on today's Ask Ralph Show as he demystifyies business valuations. Ralph explores what is meant by a business valuation, why they are important and how the process works.
S5 E23 · Fri, December 15, 2023
Year-End Tasks to Ensure Your Records Are In Order
Join Ralph Estep, Jr., on today's show as Ralph explores the best year-end tasks to perform when using QuickBooks online to ensure you are ready for tax preparation. Ralph shares specific actions that all businesses should take at year-end.
S5 E22 · Thu, December 14, 2023
Crazy Deductions for Content Creators?
Join Ralph Estep, Jr., on today's Ask Ralph show as he discussed some crazy tax deductions which are available to content creators. If you work as a content creator this is a must hear podcast.
S5 E21 · Wed, December 13, 2023
Should I Pay Off My Mortgage With Retirement Funds?
Join Ralph Estep, Jr., on today's Ask Ralph Show as he answers the question - Should I Pay Off My Mortgage With Retirement Funds? Ralph explores the potential consequences as well as tax costs of such a move.
S5 E20 · Tue, December 12, 2023
Second Mortgages - What are they and how do they work?
Join Ralph Estep, Jr., on today's show as we explores Second Mortgages. Ralph has a discussion about the types of second mortgages as well as the application process. He also delves into the pros and cons of these loans.
S5 E19 · Mon, December 11, 2023
Selecting An Accountant to Handle Your Taxes
Join Ralph Estep, Jr., on today's show as we discusses what to look for when selecting an accountant to handle your taxes and why choosing a licensed accountant is a better option that a simple tax preparer or online software.
S5 E18 · Sun, December 10, 2023
Exploring the New Delaware Paid Leave Program
Join Ralph Estep, Jr., on today's podcast as he explores the impact of the New Delaware Paid Leave Program and how it will affect all Delaware businesses with more than 10 employees. Ralph discuss the goals of the program as well as the impact on Delaware employers.
S5 E17 · Sat, December 09, 2023
Student Loans and Bankruptcy - Updated Rules
Join Ralph Estep Jr., on today's show as he discusses some Biden Administration updates to the laws related to including student loan debt in bankruptcy. Ralph discusses the new details related to these updated rules.
S5 E16 · Fri, December 08, 2023
Retirement Savings for Gig Workers and the Self-Employed
Join Ralph Estep, Jr., on today's podcast as he explores some very efficient retirement savings for Gig workers and the self-employed. These are some great opportunities for retirement savings.
S5 E15 · Thu, December 07, 2023
How to Give A Boost to your Charitable Giving
Join Ralph Estep Jr., on today's podcast as he provides some efficient ways to boost charitable giving and get some fantastic year-end tax savings.
S5 E14 · Wed, December 06, 2023
Taxpayer Proactive Year-End Tax Planning
Join Ralph Estep, Jr., as he explores some great year-end tax planning strategies. Ralph will give some great ideas for taxpayers to reduce or limit their tax liability.
Tue, December 05, 2023
Why We Should All Support Small Businesses
Join Ralph Estep, Jr., on the podcast where he explorers the importance of supporting small businesses. Ralph discusses the critical aspects of how small business is a life-line to our economy and the communities where they operate.
S5 E12 · Mon, December 04, 2023
Exploring the Back Door Roth IRA
Join Ralph Estep, Jr., on today's podcast as he explores the Back Door Roth IRA. Ralph explains what it is and how may benefit from it. Don't miss today's episode and the potential tax benefits of the Back Door IRA.
S5 E11 · Sun, December 03, 2023
How Could I Owe Taxes in 2023 and How Do I Prepare?
Join Ralph Estep Jr, today as he explores the potential reasons you may owe taxes for 2023. Ralph reviews some potential situations which could lead to a dreaded tax bill and how to prepare for tax filing.
S5 E10 · Sat, December 02, 2023
The Latest News on the IRS 1099-K Reporting Changes
Join Ralph Estep Jr., on today's show as he explores some changes to the form 1099-K and explains how this not only a business issue, but will affect anyone who uses cash apps or other exchange platforms. Ralph explains the newest IRS press release and prepares listeners to it's implementation.
Fri, December 01, 2023
Part 3 - Nine Common Things That People Avoid Because of Cost and Some Great Money Saving Alternatives
Join Ralph Estep, Jr., as he wraps up his three part series on Nine Common Things That People Avoid Because of Cost and Some Great Money Saving Alternatives. Ralph explores the final areas where listener will save money and contine to enjoy their lives.
S5 E8 · Thu, November 30, 2023
Part 2 - Nine Common Things That People Avoid Because of Cost and Some Great Money Saving Alternatives
Join Ralph Estep, Jr., as he continues his three part series on great money saving alternatives that allow you t continue enjoy life and do the things you thought you could no longer afford to do. Ralpj gives practical ideas to save money and still enjoy your life.
S5 E7 · Wed, November 29, 2023
Part 1 - Nine Common Things That People Avoid Because of Cost and Some Great Money Saving Alternatives
Join Ralph Estep Jr., as he launches Part 1 of a three part series on the Nine Common Things That People Avoid Because of Cost and Some Great Money Saving Alternatives. Ralph explores money saving options to allow you to continue to enjoy the things which you thought might have become too expensive.
S5 E6 · Tue, November 28, 2023
10 Ways to Save Money During the Holiday Season
Join Ralph Estep, Jr, on today's podcast as Ralph explores 10 Ways to Save Money During the Holiday Season. Ralph provides some very practical advice about how to have a stress-free and hopefully debt-free holiday season.
S5 E5 · Mon, November 27, 2023
Consequences of Ignoring Your Credit Score
Join Ralph Estep, Jr., on today's podcast as he explores the consequences of ignoring your credit score. Ralph offers practical advice on how to improve your credit score and explores the costs of not honoring your credit.
S5 E4 · Sun, November 26, 2023
The Financial Impact of Putting a Loved One in a nursing home
Join Ralph Estep Jr., on today's podcast as he explores the financial impact of putting a loved one in a nursing home. Ralph explores the difficult financial decisions which may need to be made during this highly emotional time and details the financial impact of these often overlooked impacts.
S5 E3 · Sat, November 25, 2023
Top 10 Year End Business Tax Savings Ideas
Join Ralph Estep, Jr., on today's podcast as he explores the Top 10 Year End Business Tax Savings Ideas. If you are a business owner, Ralph will share critical steps you may be able to take at year-end to save on your taxes.
S5 E2 · Fri, November 24, 2023
Listener Questions about Personal Finance
Join Ralph Estep, Jr., on today's podcast as he reviews some listener submitted questions about personal finance. Ralph provides powerful information about budgeting, saving and retirement planning.
S5 E1 · Wed, November 22, 2023
The Ask Ralph Podcast Relaunch
The Ask Ralph podcast relaunch. Join Ralph Estep, Jr., as he welcomes everyone back the podcast. During this show Ralph takes listener questions about personal finances. Ralph explores business year-end tax savings strategies and finally Ralph has a frank discussion about the financial impact of nursing or skilled care for a loved one. Join Ralph as he makes the complex simple with practical advice.
S5 E1 · Fri, November 17, 2023
The Ask Ralph podcast is coming back!
The Ask Ralph podcast is coming back! We are working on some great new content.
S3 Enull · Tue, April 30, 2019
Stop Wasting Time at Work
A recent study taken by American workers found that only 11% of the respondents were able to complete all of their given tasks within the workday. A startling statistic, but one that rings understandable to most of us. On today's show, Ralph outlines some strategies for reducing delay, procrastination and time-wasting at work that you can take with you through life. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph's team or to schedule your tax preparation appointment, contact him at 302-659-6560 or go to www.askralph.com for more information.
S3 Enull · Thu, April 25, 2019
Estimated Tax Payments
The American tax system operates on a "pay as you go" basis, meaning, the IRS wants taxes paid as you earn your income, not after. For employees, this means payroll withholding. For retirees, this means opting for withholding on Social Security and retirement distributions. For the self-employed or operator outside of normal withholding system, this can mean making estimated tax payments throughout the year. On today's show, Ralph discusses how to calculate and when to pay your estimated taxes. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph's team or to schedule your tax preparation appointment, contact him at 302-659-6560 or go to www.askralph.com for more information.
S3 Enull · Tue, April 23, 2019
An Innocent Spouse
When filing a joint federal tax return, the law holds you and your spouse jointly responsible for the entire tax liability. What this means is that the IRS may collect the tax due from the both of you or either one of you, and is true regardless of future divorce or separation. In some instances, you can file for what is referred to as innocent spouse relief with the IRS. On today's show, Ralph discusses why innocent spouse relief may be an option, how to file and what it can mean for your federal tax liability. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph's team or to schedule your tax preparation appointment, contact him at 302-659-6560 or go to www.askralph.com for more information.
S3 Enull · Thu, April 18, 2019
Median Americans
Ever wonder how you and your household compares with spending to the average American? We all know what the biggest expenses, i.e. housing, groceries, utilities and health insurance. But variations in these core expenses and a wide range of others varying based on your location, age and other demographic groups. On today's show, Ralph talks spending and how average Americans push their pennies! Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph's team or to schedule your tax preparation appointment, contact him at 302-659-6560 or go to www.askralph.com for more information.
S3 E163 · Sat, April 13, 2019
Avoid These 4 Mistakes in Tax Filing
As Tax Day inches closer and closer, it can be tempting to rush through your tax returns while preparing, but we urge you, that could be a bad idea. Rushing tends to result in mistakes, over justifications, lapses and a wide array of errors that can slow the processing of your tax return, resulting in delayed tax refunds or worse, a second glance from the IRS. On today's show, Ralph outlines 4 foul proof tips for avoid some of the most common mistakes this filing season. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph's team or to schedule your tax preparation appointment, contact him at 302-659-6560 or go to www.askralph.com for more information.
S3 E162 · Thu, April 11, 2019
The Great Refund Debate
Are your personal finances a highly-organized, well-oiled machine? Or is there a lot of room for improvement? The answer to that question is more important than you might think, especially during tax time. Most people anxiously await a big check from Uncle Sam in April, but it turns out a giant tax refund might not be so great after all. On today's show, Ralph discusses the pros and cons towards getting a big refund at tax time! Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph's team or to schedule your tax preparation appointment, contact him at 302-659-6560 or go to www.askralph.com for more information.
S3 E161 · Thu, April 11, 2019
Tips for Choosing a Tax Preparer
More than 50% of taxpayers hire a professional to prepare their taxes. With that being said, hiring a profession doe not absolve you of your legal responsibility for what is on your tax return. Mistakes and their consequences are the responsibility of the individual, married couple, or business whose name appears at the top of the return. On today's show, Ralph reviews his tips for picking the best tax preparer this filing season! Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph's team or to schedule your tax preparation appointment, contact him at 302-659-6560 or go to www.askralph.com for more information.
S3 E160 · Thu, April 04, 2019
Do You Need to File a Tax Return?
You are required to file a federal income tax return if your income is above a certain level. That level varies quite a bit, depending on your filing status, your age and the kind of income you’re reporting. On today's show, Ralph outlines whether or not you need to file a tax return this 2019 tax season. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph's team or to schedule your tax preparation appointment, contact him at 302-659-6560 or go to www.askralph.com for more information.
S3 E159 · Thu, April 04, 2019
Home Ownership Tax Myths
Home ownership is a lifelong dream for millions, and one that comes with its own unique set of pleasures and challenges. But for all the true benefits of homeownership, there are an equal number of myths about what it is like to own and maintain property. On today's show, Ralph debunks some important home ownership myths you need to know! Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph's team or to schedule your tax preparation appointment, contact him at 302-659-6560 or go to www.askralph.com for more information.
S3 E158 · Tue, April 02, 2019
Business Versus Hobby
You have started a business and you aren't making a profit. You've heard that the IRS won't accept business deductions if it considered your business a "hobby", but what it the truth? On today's show, Ralph discusses how the IRS distinguishes between legitimate business and hobby activities, for the purpose of taxes and what that means for you. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph's team or to schedule your tax preparation appointment, contact him at 302-659-6560 or go to www.askralph.com for more information.
S3 E157 · Thu, March 28, 2019
Tale of the Ghost Tax Preparer
Ghost preparers, according to the IRS, “look to make a fast buck by promising a big refund or charging fees based on a percentage of the refund. These scammers hurt honest taxpayers who are simply trying to do the right thing and file a legitimate tax return.” So how do you figure out if you are being scammed by your preparer? On today's show, Ralph discusses the steps on how to not get "ghosted" when choosing a tax preparation service. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph's team or to schedule your tax preparation appointment, contact him at 302-659-6560 or go to www.askralph.com for more information.
S3 E156 · Thu, March 28, 2019
Respond Don't React
On today's show, Ralph talks about his experience with responding and not reacting during interactions and how we all can benefit from practice in taking a breath, thinking logically and responding appropriately. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph's team or to schedule your tax preparation appointment, contact him at 302-659-6560 or go to www.askralph.com for more information.
S3 E155 · Fri, March 22, 2019
VA Home Loans
The share of service members using VA mortgage loans instead of conventional ones to purchase their first homes more than doubled from before the housing crisis hit to after the dust settled, according to a report from the Consumer Financial Protection Bureau. On today's show, Ralph discusses exactly what a VA home loan is, how to use one and what benefits surround their use in home financing. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph's team or to schedule your tax preparation appointment, contact him at 302-659-6560 or go to www.askralph.com for more information
S3 E153 · Fri, March 15, 2019
How Scammers Steal Your Money
Cybercrime has been a lucrative business for swindlers since the early days of the internet. Despite the advancements in security, hackers and criminals will always be one-step ahead of us. That is why it is important for us to become knowledgeable on the common ways that scammers use to steal your hard-earned money so that we can thwart any threats before they become a problem. On today's show, Ralph discusses how scammers and grifters con you out of your money in today's new technology age. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph's team or to schedule your tax preparation appointment, contact him at 302-659-6560 or go to www.askralph.com for more information
S3 E152 · Wed, March 13, 2019
3 Reasons to Hire a Tax Professional this Year
Sleepless nights, panic attacks and pounding headaches are feelings that are far too familiar for taxpayers during the spring. But how do you know if you really need the help of a professional tax preparer? On today's show, Ralph discusses reasons why you may need to recruit a tax preparer this year. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph's team or to schedule your tax preparation appointment, contact him at 302-659-6560 or go to www.askralph.com for more information!
S3 E151 · Fri, March 08, 2019
IRS Audit Red Flags for TY18
While the overall risk of being audited is generally low, new changes resulting from the enacted Tax Cuts and Jobs Act (TCJA) could impact your susceptibility of being audited this tax season. On today's show, Ralph discusses some of the most impactful red flags to be aware of this tax year 2018 filing season. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph's team or to schedule your tax preparation appointment, contact him at 302-659-6560 or go to www.askralph.com for more information!
S3 E150 · Wed, March 06, 2019
Why File Early?
Whether you do them yourself or pay someone else to do them for you, preparing your income taxes is probably not one of your favorite chores. Knowing you have a refund coming can make the whole process somewhat easier, but gathering your paperwork and ensuring the forms are completed correctly can still be both time-consuming and stressful. On today's show, Ralph discusses the reasons for why it is best to file early when filing your tax returns. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph's team or to schedule your tax preparation appointment, contact him at 302-659-6560 or go to www.askralph.com for more information!
Bonus · Sun, March 03, 2019
Interview with Stefan "The Freak" Talabisco
A special bonus for our listeners is the full interview with Stefan "The Freak" Talabisco to talk with Ralph about his life as a veteran and up and coming professional boxer. With goals of boxing in venues far and wide, he reminisces about his start, what he loves most and his upcoming event, Saturday March 30, 2019, for the Night of Live Boxing! at the Hockessin Pal Center. For more information, check out his Facebook (@frankiepaul) or purchase tickets by calling 609-868-4243. For more content, subscribe to our podcast on Apple podcasts or wherever you listen! You can also like us on Facebook, follow us on Twitter (@askralphmedia) or email us at askralph@askralphmedia.com .
S3 E149 · Thu, February 28, 2019
Tax Changes for Military Members
Recent changes in tax law mean that many in uniform could see big returns when they file their 2018 taxes. On today's show, Ralph discusses how many services members and their families are likely to see substantial reductions in their overall federal taxes for 2018. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph's team or to schedule your tax preparation appointment, contact him at 302-659-6560 or go to www.askralph.com for more information!
S3 E148 · Wed, February 27, 2019
Elizabeth Warren's Wealth Tax
Is a tax on the net worth of the ultrarich a good idea? Under Senator Warren’s plan, the tax rate on wealth would be two per cent, but it would only apply to American households worth at least fifty million dollars. On today's show, Ralph discusses his thoughts on this presidential contender's plan to tax the rich. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph's team or to schedule your tax preparation appointment, contact him at 302-659-6560 or go to www.askralph.com for more information!
S3 E147 · Fri, February 22, 2019
Small Business Retirement Plans
What is the best retirement plan for a self-employed person? Which is the best retirement plan for a small business owner? More importantly, which is the right retirement plan for you – as a business owner? On today's show, Ralph discusses how to find the best retirement plan for you and your small business. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph's team or to schedule your tax preparation appointment, contact him at 302-659-6560 or go to www.askralph.com for more information!
S3 E146 · Tue, February 19, 2019
Tax Tips for Grads
The first few years after college graduation are full of milestones. In addition to getting your degree, starting your career, moving out from your parents home and starting your new life, you will eventually need to file your taxes. On today's show Ralph discusses what graduates should take special note of when preparing their returns this year and going forward. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph's team or to schedule your tax preparation appointment, contact him at 302-659-6560 or go to www.askralph.com for more information!
Bonus · Sat, February 16, 2019
Tax Refund Hype
A special bonus for our listeners is a special segment from Ralph discussing all of the hype surrounding tax refunds during this 2018 tax season as aired originally on our radio broadcast from Saturday February 16, 2019at 8:00AM on WILM 1450 ( https://wilm.iheart.com/ ) in Wilmington, WDOV 1410 ( https://wdov.iheart.com/ ) in Dover and live on iHeart Radio. For more content, subscribe to our podcast on Apple podcasts or wherever you listen! You can also like us on Facebook, follow us on Twitter (@askralphmedia) or email us at askralph@askralphmedia.com .
S3 E145 · Fri, February 15, 2019
Paying off Your Mortgage Early
Paying off your mortgage before the loan is up might feel light years away, but it is doable if you plan your finances right. If you pay off your mortgage early, you could save a lot of money on interest. On today's show Ralph discusses how to and why paying off your mortgage early might be right for you! Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph's team or to schedule your tax preparation appointment, contact him at 302-659-6560 or go to www.askralph.com for more information!
S3 E144 · Tue, February 12, 2019
Improve Your Finances In 2019
Whether you plan to make some New Year’s resolutions or not, there’s no better time than the beginning of the year to review your finances. On today's show, Ralph talks finances and how to get better at them in the new year! Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph's team or to schedule your tax preparation appointment, contact him at 302-659-6560 or go to www.askralph.com for more information!
S3 E143 · Fri, February 08, 2019
How to Establish Credit in 5 Easy Steps
Trying to get your first credit card can be as frustrating as trying to land your first job. Employers want experience, but you can’t get experience unless someone hires you. Similarly, a credit card is the quickest way to build a good credit history, but without a good credit history it’s hard to get a credit card. On today's show, Ralph discusses how to establish credit when you have little or none at all. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph's team or to schedule your tax preparation appointment, contact him at 302-659-6560 or go to www.askralph.com for more information!
S3 E142 · Wed, February 06, 2019
2019 Financial Checklist
On today’s show Ralph outlines what you need to do and know to give yourself a financial check up this new year! Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph's team or to schedule your tax preparation appointment, contact him at 302-659-6560 or go to www.askralph.com for more information!
S3 E141 · Thu, January 31, 2019
IRS Social Media to Catch Tax Cheats
According to IRS estimates, American business underpay their taxes by $125 billion each yea r and as a result of this evasion the government can be out for almost $400 billion annually. Tax evaders, as a result, are a hot ticket item for the IRS and the agency is constantly looking for ways to catch tax cheats. On today's show, Ralph discusses ways the IRS is looking to use social media platforms like Facebook, Instagram, and Twitter in its ongoing quest to catch tax cheats. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph's team or to schedule your tax preparation appointment, contact him at 302-659-6560 or go to www.askralph.com for more information!
S3 E140 · Tue, January 29, 2019
Simple Strategies to Maxing out your 401K
Millions of Americans contribute to employer-sponsored retirement plan each year without any real strategy and at the end of the day, when retirement rolls around, having a strategy could make a real difference. On today's show, Ralph discusses strategies for maxing out your 401(k) so that when you retire, you will be ready! Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph's team or to schedule your tax preparation appointment, contact him at 302-659-6560 or go to www.askralph.com for more information!
S3 E139 · Thu, January 24, 2019
New Years Resolutions for Business Success
New Year, new you as the saying goes and for many small businesses, the new year means new resolutions. This mean means putting changes into place that continue throughout the next 12 months, not just for a few weeks in January. On today's show Ralph takes a look a some important resolutions for business to ensure success! Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph's team or to schedule your tax preparation appointment, contact him at 302-659-6560 or go to www.askralph.com for more information!
S3 E138 · Tue, January 22, 2019
Top Overlooked Tax Deductions (Part 3)
Yes, tax reform eliminated or drew back a lot of popular write-offs. It is also true that many more people will now take the standard deduction instead of itemizing. But there are still plenty of hidden tax-saving opportunities to be found. On today's show, Ralph completes his discussion on the top overlooked tax deductions for filers with a talk on refinancing mortgage points, state taxes and other income types like jury pay for recording on filings. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!
S3 E137 · Thu, January 17, 2019
Top Overlooked Tax Deductions (Part 2)
Yes, tax reform eliminated or drew back a lot of popular write-offs. It is also true that many more people will now take the standard deduction instead of itemizing. But there are still plenty of hidden tax-saving opportunities to be found. On today's show, Ralph continues his discussion on the top overlooked tax deductions for filers with a talk on moving expenses, child and dependent care and the EITC (Earned Income Tax Credit). Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!
S3 E136 · Tue, January 15, 2019
Top Overlooked Tax Deductions (Part 1)
Yes, tax reform eliminated or drew back a lot of popular write-offs. It is also true that many more people will now take the standard deduction instead of itemizing. But there are still plenty of hidden tax-saving opportunities to be found. On today's show, Ralph begins his discussion on the top overlooked tax deductions for filers with a talk on sales tax, dividends from reinvestment, charitable expenses and student loan interest. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!
Bonus · Sat, January 12, 2019
10 Ways to Prepare for Tax Season
A special bonus for our listeners is the full radio broadcast of our Saturday, January 12th, 2019 show! Ralph discusses the top tens ways to prepare for tax season as the filing season preparations surge forward. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!
S3 E135 · Thu, January 10, 2019
When You Can't Pay Your Taxes
If you find yourself with a tax bill instead of a refund, it is imperative that you take it seriously and do not push those anxieties to the side. Failure to pay can damage your credit score, cost you interest and additional penalties and, in extreme cases, lead to criminal prosecution. On today's show, Ralph talks tax payments when you the taxpayer cannot pay the bill and the various options available for when/if this situation arises. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!
S3 E134 · Tue, January 08, 2019
When to Hire A Tax Professional
Tax season is coming! If you and your family are staring at a pile of unfamiliar forms that have you scratching your head, then it is most likely time to call in a professional. On today's show, Ralph discusses when and when not to call in a tax professional for your tax preparation. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!
S3 E133 · Thu, January 03, 2019
Recovering Financially From the Holidays
Are you feeling worse for wear as a result of holiday overspending in 2018? You are not alone. On today's show, Ralph reviews how to review, revise and assess your finances after a busy season of gift giving! Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E132 · Thu, December 27, 2018
Check Your Withholding
The IRS has been warning filers all year to ensure they are withholding enough tax from their pay in order to avoid a surprise tax bill in 2019. On today's show, Ralph discusses how taxpayers can check their withholding status and year to date amounts and tips for making sure there no surprises at tax filing time! Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E131 · Tue, December 25, 2018
Taxpayer Advocate Service
One of the most dreaded actions taxpayers have to engage in occasionally if to try and get on the line with the IRS regarding a tax problem. From hours long wait times, complicated instructions and overwhelmingly complicated terms and jargon to understand, the task is painful. Fortunately, the IRS has a process to help make resolving tax disputes with them easier and on today's shows, Ralph outlines how to gain assistance from the IRS Taxpayer Advocacy Service and the benefits open to taxpayers when faced with tax issues. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!
Bonus · Fri, December 21, 2018
Taxpayer Bill of Rights
On today's show, Ralph reviews and simplifies the complexity of the taxpayer bill of rights which include the right to be informed, receive quality services and to pay no more than the correct amount of tax. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E129 · Tue, December 18, 2018
Year-End Tax Planning for Small Businesses
If you are a small business owner, Tax Day has a wholly different connotation than it does for most of America. While most working Americans, are excitedly anticipating the receipt of a big refund check, small business owners dread the annual scramble to gather their K1s, compile deductions, and sort through receipts. On today's show, Ralph reviews year end tax planning strategies for small business owners to get ready for the filing deadline. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E128 · Thu, December 13, 2018
IRS Offer in Compromise
Though the majority of Americans wind up getting a refund on their taxes, there are also those who end up owing money to the IRS once their returns are completed. If you are staring at a tax bill you know you ca not pay, do not panic. On today's show, Ralph discusses tax payment options like "offer in compromise" and installment plans for making that tax debt more manageable. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E127 · Wed, December 12, 2018
Upcoming New Year? Get Organized!
The new year is rapidly approaching and getting organized early can save you hours of hassles when it comes time to do your taxes or evaluate your finances. On today's show, Ralph discusses six ideas for how to get financially organized before year end! Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E126 · Thu, December 06, 2018
Franchising Success: Before You Sign
The franchise agreement is the legal agreement that creates a franchise relationship between a franchisor and a franchisee. As a franchisee or prospective franchisee, the franchise agreement is the most critical document to your franchise investment. If you are promised something from a franchisor and you are relying on this promise, it must be contained in the franchise agreement or an amendment to the franchise agreement. On today's show, Ralph concludes our Franchising Success Series with a discussion on everything you need to know before you sign on the dotted line of a franchise agreement. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E125 · Wed, December 05, 2018
Franchising Success: Disclosure Docs (Part 3)
To ensure that franchises are giving prospective franchisees the proper amount of information needed to make an educated decision, the agency mandates that a Franchise Disclosure Document (FDD) be provided to the prospective franchisee. On today's show, Ralph finishes his discussion of the Franchise Disclosure Document. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E125 · Tue, December 04, 2018
Franchising Success: Disclosure Docs (Part 2)
The FTC requires every franchisor to provide a franchise candidate an FDD which includes 23 Items and exhibits, including the franchisor financials and franchise agreement. The intent of disclosing this information is to enable the prospect to make an informed decision. Although each item is important, some are more important than others. On today's show, Ralph reviews the important parts of the Franchise Disclosure Document (FDD) to help you make a smart decision. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E123 · Thu, November 29, 2018
Franchising Success: FDD and Me
Franchising has been and from time to time can be, a shady business. In the past, due to a lack of protections and regulations regarding franchising, distrustful individuals have made use of franchising to run scams. As a result, the FTC requires the development and relay to all prospective franchise contributors of a Franchise Disclosure Document or FDD that provides buyers with validated information to assist in the decision to franchise. On today's show, Ralph discusses the ins and outs of the FDD and what prospective franchisers need to know! Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E122 · Wed, November 28, 2018
Franchising Success: Selecting a Franchise
With scores of franchise systems operating in dozens of industries, there is no shortage of choices for people interested in buying a franchise. At the same time, the numerous choices can make that decision a challenge for even the most determined would-be franchisee. On today's show, Ralph discusses the facts and figures to assist in deciding the best type of franchise for you! Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E121 · Tue, November 27, 2018
Franchising Success: Finding the Right Opportunity
When considering any new investment, you (should) have a million questions, and getting started in franchising is no exception. What is the best industry? What is the best model? What are the start-up costs for franchises? How do I finance the investment? These are all fair and important questions to explore and on today's show, Ralph investigates the questions that prospective franchise owners should ask and know. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E120 · Thu, November 22, 2018
Franchising Success: Is it Right for You?
When determining whether or not franchising is the right path to business ownership for you, there are things that must be consider.To continue our series on franchising, Ralph discusses how best to weigh the options when choosing a franchise or to franchise in general on today's show. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E119 · Wed, November 21, 2018
Franchising Success: Business Model
On today's show, we continue our series on 'Franchising Success' with a detailed discussion from Ralph into what types of business models exist for franchisors and how best to pick the right model for you. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E118 · Tue, November 20, 2018
Franchising Success: The Costs
Multiple mistakes can deter your path to success when venturing into the franchisor field, but with insight and hard work, those missteps can become stepping blocks to growth. On today's show, Ralph continues our series with a review of associated costs that can pop up from taking the step to franchisor. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E117 · Thu, November 15, 2018
Franchising Success: Pros & Cons
According to the International Franchise Association , the total number of franchises in the America is approximately 800,000 as of 2016 and employ about 9.1 million people. Franchising is no small business and should be decided carefully. On today's show we continue our 'Franchising Success' series with a discussion from Ralph on the pros and cons to franchising. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E116 · Wed, November 14, 2018
Franchising Success: The Basics (Part 2)
In part two of the basics of franchising as a part of our 'Franchising Success Series' that looks into the wonderful world of franchising, Ralph discusses ins and outs of beginning a franchise and how best to start on today's show! Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E115 · Tue, November 13, 2018
Franchising Success: The Basics
Franchising is a wonderful option for people wishing to enter into business for themselves. While many people succeed, many also fail for reasons the in a lot of cases can be planned for and overcome. On today's show, Ralph outlines the basics of franchising in the first part of our "Franchising Success" series! Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!
Bonus · Sat, November 10, 2018
Interview with Jodi Lynn Collins of Informed Touch Massage Therapy
A special bonus for our listeners is the full interview with Jodi Lynn Collins, a licensed massage therapist practicing in northern Delaware to discuss her work and how she helps her patients. Jodi specializes in sports massage, injury treatment, pain management, and neuromuscular retraining. Whether you are seeking a single session, or you wish to create a plan for better posture, improved performance, or condition management, Jodi looks forward to working with you! For more information or to book an appointment click here or call her at 302-229-8239, email her at jodi.l.collins@gmail.com and schedule today! Subscribe to our Podcast for more content! You can also like us on Facebook, follow us on Twitter (@askralphmedia) or email us at askralph@askralphmedia.com .
S2 E114 · Thu, November 08, 2018
What's the New AMT?
In coordination with the recently passed tax reform laws rolled out by the Tax Cuts and Jobs Act, the alternative minimum tax or AMT has been revised! Good news for those taxpayers taken by AMT surprise. On today's show, Ralph outlines what the AMT is, how it works and what the updates mean for your tax bill come filing season. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E113 · Tue, November 06, 2018
Is Rent to Own Right for You?
Rent to own deals look and feel a lot like regular home buying, but renter-to-owners need to know the facts when making these decision. On today's show, Ralph talks about the risks and rewards of being in a rent to own relationship as a buyer or seller. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E112 · Thu, November 01, 2018
Preparing for the Unexpected: Spouse Death
Among the risks that married couples face in retirement, this one is unavoidable: unexpectedly becoming a widow or widower. On today's show, Ralph discusses the difficult but important concept of financial preparation for couples when tragedy strikes. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E111 · Tue, October 30, 2018
Renter's Insurance Basics
On today's show, Ralph continues his insurance FAQ series with a segment on renter's insurance by outlining what it is, how it helps and why it is a good idea for new and veteran renters. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E110 · Thu, October 25, 2018
What is An Umbrella Policy?
On today's show, Ralph talks insurance, specifically umbrella policies both as the ultimate level of liability insurance but also as a fail-safe for your assets. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E109 · Tue, October 23, 2018
Basics of Homeowner's Insurance
Are you looking to a home? On that gigantic to-do list, you should make sure to shop around for homeowner's insurance. On today's show, Ralph discusses the ins and outs of shopping around for homeowner's insurance. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E108 · Fri, October 19, 2018
Inherited IRAs by a Non-Spouse
On today's show, Ralph discusses the need to know elements of inherited IRAs by non-spouses which can create opportunities for its recipients and risks come tax time. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E107 · Tue, October 16, 2018
Great Debate: Contractor vs. Employee
Individuals who work for themselves are treated differently than employees, but the distinction is sometimes very hard to make. After the passage of the 2017 Tax Act and the possible benefits of contractor labor classification, the IRS will most likely be on the lookout for individuals switching their worker status. On today's show, Ralph outlines the differences between employees and contractors so that you can decipher and make the best decision possible. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E106 · Thu, October 11, 2018
Cancellation of Debt Triggers Income
Owners, borrowers, and guarantors must consider tax implications when seeking debt relief, as many strategies may trigger cancelation of debt (commonly known as COD). On today's show, Ralph outlines what cancellation of debt means for your tax-time bottom line. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E105 · Tue, October 09, 2018
The Risk in Using Free Charging Stations
On today's show, Ralph discusses the dangers of using public USB charging stations and what you need to know to keep yourself and your data dafe. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E104 · Thu, October 04, 2018
What is Step-Up Basis?
A step-up in basis can be a very good thing at tax time. The term relates to capital gains tax and can save you considerable money should you ever decide to sell an asset or property that you've inherited. On today's show, Ralph gives the run-down on step-up basis to save you tax dollars come tax season. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E103 · Tue, October 02, 2018
10 Car Insurance Terms to Know
On today's show, Ralph talks car insurance and outlines the top ten terms to know. Learning these basic terms will better your bottom line! Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!
Bonus · Sat, September 15, 2018
Interview with Chad Wood of Hannum's Harley-Davidson®
A special bonus for our listeners is the full interview with Chad Wood, Business Manager of Hannum's Harley-Davidson® where he discusses with Ralph the ways in which the company is working to court new riders with tech and transparency initiatives, while still maintaining their core identity with their classic riders in this new era. For more information about Hannum's Harley-Davidson® visit their website at www.hannumshd.com or stop by one of their 5 store locations in Media, Chadds Ford, Sellersville, Rahway and Electric City to take a test drive today! Subscribe to our Podcast for more content! Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com .
S2 E95 · Tue, September 04, 2018
How to Improve Your Credit Score
It is clear that your credit score can always be improved; however, it is not clear how one can go about bettering their score. Tune in to today's show where Ralph discusses ways to improve a credit score. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E94 · Thu, August 30, 2018
What Does Your Credit Report Show?
The dreaded credit report. One document that can make or break your future finances. Everyone has one but do you know how to read one? Tune into today's show where Ralph walks you through what exactly the credit report shows and how to measure your financial future. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!
Bonus · Wed, August 29, 2018
Sponsor Message: Haass Butcher Shop BBQ Brawl
Join our show sponsor, Haass Family Butcher Shop, in Dover for their 6th Annual Haass Family Butcher Shop BBQ Brawl on September 14th & 15th, 2018. It is is one of Delaware's most anticipated annual events. Mark your calendars now! The 2-day event kicks off Friday (September, 14th 2018). Enjoy an old fashioned lobster boil, local brews, and dance the night away with The Jimmy Cochran Band. All tickets available on Eventbrite ($30 per person) and include taxes and fees for dinner, music and fun! Then, join them again on Saturday (September, 15th 2018) where over 30 teams from across the country will compete for the prestigious Haass Championship Trophy! Saturdays Brawl is a free family-friendly event, open to the public. Enjoy live music, local ice cream, tantalizing BBQ and great camaraderie! Visit Haass Family Butcher Shop on Facebook (@haassbutchershop) for more information.
S2 E93 · Tue, August 28, 2018
Your Score
In today's world, you are defined by a number. A three digit number that illustrates the type of person you are in the eyes of businesses and lenders alike. This number is your credit score. Tune in to today's episode where Ralph discusses the ins and outs of the credit score. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E92 · Fri, August 24, 2018
Basics of Building Credit
Check out today's episode where Ralph discusses the basics of building credit in a continuation of our credit how to series! Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E91 · Tue, August 21, 2018
How to Build Credit: Part 4
On today's show, Ralph continues our series on credit basics for part FOUR to discusses how to build your credit back up and establish a strong credit history. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!
Bonus · Sat, August 18, 2018
Interview with Jordan Irazabal of The Delaware 3000 Project
A special bonus for our listeners is the full interview of Jordan Irazabal of TheDelaware3000.org who is on a mission to photo document active Delaware tag numbers 1-1000, C1-C1000 and PC1-PC1000. Like the project and follow Jordan's progress on Instagram and Facebook (@thedelaware3000) or visit his website at http://www.thedelaware3000.org for more information. Subscribe to our Podcast for more content! Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com .
S2 E90 · Thu, August 16, 2018
How to Build Credit: Part 3
Good credit can save thousands of dollars in interest in everything from credit cards, to a mortgage loans. For many people, establishing or rebuilding bad credit is nothing short of a mystery. On today's show, Ralph continues our series on credit basics for part three to discusses how to build your credit back up. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E89 · Tue, August 14, 2018
How to Build Credit: Part 2
Scared off by the high interest rates, many adults are choosing to avoid credit cards and the risks they present to anyone who carries a balance. But not using credit at all comes with its own risks. Lenders use credit history when deciding whether to give you a loan. No credit history, makes the possibility of gaining financing very difficult. Tune in to today's episode where Ralph discusses the steps to take to build your credit score in part two of our series on credit basics. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E88 · Thu, August 09, 2018
How to Build Credit: Part 1
Taking care of your credit history, takes case of you. Building credit can be a challenging task. The most challenging part is knowing how to start. Tune into today's episode where Ralph discusses the steps to take to build your credit score in part one of our Credit Basics series. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E87 · Tue, August 07, 2018
Credit Basics: How to Qualify
Anyone who ever wants to finance a car, a house, take out a loan, open a store card , etc. must participate in the credit olympics. Just like the widely celebrated competition, you must qualify to compete. Tune into today's show where Ralph discusses the different ways in which one can increase their ability to meet the qualifications lenders look for and get perfect scores. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E86 · Thu, August 02, 2018
The 5 C's of Credit
In today's world the number one question you need to ask and answer is am I worthy of credit? There are five categories that need to be accessed to determine the answer. Tune in to today's show where Ralph will discuss the five C's of credit analysis and provide insight on just what each one entails and how you can make them work for you and your bottom line. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E85 · Tue, July 31, 2018
7 Mortgage Myths
Owning a house has always been a part of the American Dream. How quickly that dream can turn into a nightmare when the mortgage payments begin to be paid. Tune in to today's episode where Ralph discusses the seven mortgage myths that should be considered before you buy. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E84 · Thu, July 26, 2018
Robocalls: Automated Telephone Scams
Over 16.3 million robocalls have been made this year to date. We all receive these nuisance calls but what exactly is the reason why and how do we stop them? Tune in to today's episode where Ralph provides insight on Robo calls the new telephone scam. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E83 · Tue, July 24, 2018
How to Handle IRS Audit Notice
You go to the mailbox and collect the mail. While sorting through the bills and junk mail, your heart stops... you have received a notice from the IRS saying you are being audited. Before you panic, tune in to today's show where Ralph will help you through the process of an audit and how to handle it correctly. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E82 · Thu, July 19, 2018
C Corp or Pass Through...What to Do?
The math has changed on entity choice under the new tax code effective in 2018 for businesses. The spread between corporate rates and the individual rates that apply to pass throughs has widened dramatically. Many business owners taxed as pass throughs are wondering if now is the time to switch to C corporation status. On today's show, Ralph outlines whether or not to change your entity type post-new tax code. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E81 · Tue, July 17, 2018
6 Phrases to Avoid During an Interview
Today is the day! You have the interview of a lifetime ahead of you for your dream position. You are dressed for the part, you have the smile, you even have the confident strut down, but can you talk the interview talk? Tune in to today's show where Ralph highlights six phrases you should avoid during an interview. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a tax consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E80 · Thu, July 12, 2018
Avoiding a Tax Surprise in 2019
It is 2018 and everyone is on the keto diet, lacto vegetarian, and putting avocado on EVERYTHING! These new fads are not the only things changing this year. Tax year 2018 brings changes to both individuals and business filers. Tune into today's show, where Ralph will take you through the steps to avoid a tax surprise in the upcoming year. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a mid-year tax consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E79 · Tue, July 10, 2018
Timeshare Happiness
When playing the game of timeshares, you have 50/50 odds on winning/losing. Purchasing one could open you up to a world of vacation and adventure or a financial black hole. The question is... are you feeling lucky? Strengthen your odds by tuning into today's show, as Ralph discusses how you can avoid the black hole and be a happy timeshare owner. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a tax consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E78 · Thu, July 05, 2018
Supreme Court Wayfair Sales Tax Case Explained
Late last month, the U.S. Supreme Court decided the historic Wayfair case, which will have cascading consequences for the online retail and e-commerce industries and ultimately effect everyone that shops online. The issue that was up for deciding was whether online retailers have to collect sales (or use) tax for online purchases. We all know how this works when shopping "off line" because there is a sales receipt wherein state and possibly local sales tax is added to your bill, collected by the shop, and eventually paid over to the State or local entity. For a long time, though, depending on where you did your online shopping (and where that retailer was located), you may not have seen that same sales tax line on your receipt. On today's show, Ralph breaks down the Wayfair decision and how it will effect online e-commerce businesses and their customers. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a tax consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E77 · Tue, July 03, 2018
10 FASFA Tips
The government has been your "lunch room bully" for years, pushing you around for all you got in the name of taxes and government spending. Now it's time for you to go to college and for the government to pay you back. On today's show, Ralph discusses tips on getting the most out of FASFA that will help you turn that bully upside down and shake it till every penny comes out of its pockets and into your education. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a tax consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E76 · Fri, June 29, 2018
Education Series: 529 Plans
Everyone likes the idea of a promised future. The recent development of the 529 plan allows for proactive parents and grandparents the opportunity to deliver that promise to their children and grandchildren. On today’s show, Ralph will discuss everything there is to know about the 529 plan, all it offers, and learn how one can start building a future for one’s kids. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a tax consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E75 · Wed, June 27, 2018
Education Series: Federal Grant Programs
Grants can be considered the Oprah Winfrey of education financing because as long as you apply and qualify, you have a chance at free money. On today’s show, Ralph discusses grant programs and what you need to know and how you can qualify. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a tax consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E74 · Tue, June 26, 2018
Education Series: Grants and Scholarships
Now that you have been accepted to a college, you need to start making plans on how to pay that tuition bills. On today’s show, Ralph discusses the various grant and scholarship options available to students seeking higher education. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a tax consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E73 · Fri, June 22, 2018
Choosing the Right FAFSA for You
It is official, you are going to college! FASFA has done the calculations and the federal government says that you qualify for assistance! Before the bags are packed and family says goodbye, there is still one last step to complete, accepting the right type of financial aid. Be careful, choose the wrong one and you may pay for it well into your golden years. On today’s show, Ralph guides you through the various FAFSA options available, discussing the qualifications, requirements and terms for each type to assist in making the best decision for short and long term. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a tax consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E72 · Wed, June 20, 2018
Education Series: Private Student Loans
We continue our education series this week with private student loans! On today’s show, Ralph talks about what to watch out for when going the private student loan route for your higher education needs. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a tax consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E71 · Mon, June 18, 2018
Education Series: Federal Student Loans
Despite the fact that more than 44 million Americans have student loans and their debt now totals $1.4 trillion, many people remain unclear as to how, exactly, those loans work. On today’s show, Ralph outlines federal student loans as an option for those in need of tuition assistance. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E70 · Fri, June 15, 2018
Grants, Private and Federal Student Loans...Oh My
Paying for education can be quite the journey, one that offers various paths that can be taken. However, if one chooses the wrong path, the destination can easily become one of great financial burden. Let Ralph be your guide as he discusses in today's show, the ins and outs of federal versus private loans, shedding light on all they offer, obstacles you may face, and aspects you should avoid. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E69 · Wed, June 13, 2018
Education Series: Tax Deductions
While tuition costs are high and increases seem inevitable, there are ways to alleviate the financial burden. The IRS currently offers a number of incentives that can help you recoup some cash at tax time. Tax credits, as previously discussed, are directly reduce the amount of tax you owe, while a deduction reduces the amount of income on which your tax is calculated. On today’s show, Ralph talks about education expenses like tuition, student loan interest, supplies and others that you can use at tax filing to reduce your overall tax bill. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a tax consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E68 · Mon, June 11, 2018
Education Series: Tax Credits
It is graduation season for many young Americans across the country. Once the diplomas have been handed out, the next step is higher education. For many of those wishing to attend college, high tuition expenses are a tough consideration. Many graduates leave with thousands of dollars in student loan debt, burdening them right out of school. It is for that reason, that many are hesitant to take the leap. On today’s show, Ralph outlines the tax credit side of education expenses for those just starting their collegiate careers out of high school and those continuing their education and trainings. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a tax consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E67 · Wed, June 06, 2018
Mortgage Financing with Jason Bochniak of Keystone Funding
Our radio broadcast on June 2nd, 2018 featured a full length interview with Jason Bochniak, a Business Development Officer at Keystone Funding to talk about the changes happening in mortgage financing. This discussion included rich insight for first-time and veteran home buyers outlining the steps to purchasing the home of your dreams and the regulatory changes taking place in the field. On this week's feature show, we wanted to release the entire interview for our listeners to enjoy. For more information about Keystone Funding visit www.keystonefunding.com. To schedule a meeting with Jason, email him at JBochniak@keystonefunding.com or call his office at (302) 508-6134. To submit your questions about mortgage financing and the tax areas associated or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E66 · Fri, June 01, 2018
Should I Outsource Payroll?
What do you actually gain from outsourcing payroll? Is it worth all the time and effort just to investigate and identify appropriate outsourced service providers? Then there is the work involved to transition the function outside to the third party service. Do the benefits of outsourcing outweigh that effort? On today’s show, Ralph examines the prospect of outsourcing payroll by reviewing the gains and losses for businesses owners. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation about payroll outsourcing with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E65 · Thu, May 31, 2018
Consequences of Failing to Pay Payroll Taxes
On today’s show, Ralph review why it is very important to process payroll taxes properly and submit tax payments in a timely manner. A must for all small business owner! Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E64 · Tue, May 29, 2018
Payroll Tax Problems to Avoid
On today’s show, Ralph talks review common troublesome areas in payroll tax filings and payments to be sure to avoid when doing yourself. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E63 · Fri, May 25, 2018
Common Payroll Issues
Compiling payroll can be a headache, regardless of how big your business. Constant changes in state and federal tax and employment law make paying employees and filing taxes complicated and time-consuming. On today’s show, Ralph talks about common payroll problems, easy-to-miss errors and costly issues arising from payroll processing. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E62 · Wed, May 23, 2018
Payroll Basics for Employers
A big issue for many new business owners when hiring their first employee is what exactly is required to process payroll and get their people paid. On today’s show, Ralph outlines the basics of setting up in-house payroll for your business. From pay period scheduling and withholding calculations, to garnishments and deductions, we help simplify the complex. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E61 · Mon, May 21, 2018
Legality of Cryptocurrency
Cryptocurrency week comes to a close on Ask Ralph with a final discussion in part four of our series. Very few countries have gone as far as to declare any virtual currency illegal. That does not; however, mean that many of the well know virtual currencies are in fact "legal tender". On today’s show, Ralph talks about the legal issues surrounding virtual currencies like Bitcoin and the like. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E60 · Mon, May 21, 2018
Taxing Cryptocurrency
Cryptocurrency week continues on Ask Ralph with a discussion on the crypto-marketplace and part three of our series. On today’s show, Ralph discusses the tax liabilities and growing regulatory concerning on this new digital currency. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E59 · Wed, May 16, 2018
Making Your Crypto-Wallet Work
Cryptocurrency week continues on Ask Ralph with a discussion on the crypto-marketplace and part two of our series. Many of digital assets have reached own record high rates. On today’s show, Ralph reviews hows to access, secure, buy, sell and capitalize on the digital currency marketplace. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E58 · Mon, May 14, 2018
What is Cryptocurrency?
It is Cryptocurrency Week at Ask Ralph! Each show will feature an aspect of the mysterious beast that is digital money by diving into where it came from, how it is used and why exactly do we all keep hearing about it. On today’s show, Ralph reviews the history of cryptocurrencies and defines key terms to help better understand this new phenomenon. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E57 · Fri, May 11, 2018
Ways to Secure Your Retirement
Enjoying a comfortable retirement begins with having a strategic plan for saving and investing. Part of that means being sensitive to certain financial pitfalls that can derail your long-term goals and shrink your nest egg in the process. On today’s show, Ralph outlines five tried and true ways to get the retirement you want while managing the life you have currently. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E56 · Wed, May 09, 2018
Get Moving on Your Extension
Maybe you filed a tax extension back in April because you were missing some of the paperwork, needed more time due to complications, or simply procrastinated. Regardless of the reason, you filed an extension and now have an additional six months to file. On today’s show, Ralph outlines reasons for finishing up your return filing sooner rather than later for those on extension. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E55 · Tue, May 08, 2018
The Great Debate: Traditional VS. Roth IRA
There are dramatic differences between traditional and Roth individual retirement accounts (IRA) and what you do not understand about the particular rules that apply to them can cost you. On today’s show, Ralph discusses the differences between these two very different retirement plan contribution accounts and the applicable tax regulations. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E54 · Sat, May 05, 2018
How Not to Owe at Tax Time
Are you wondering why you owed so much in taxes this year? Want to make sure you never owe a big tax bill or any bill at all – when you file your income taxes? On today’s show, Ralph outlines what steps you need to take throughout the year to make sure your tax bill is paid before your file. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E53 · Wed, May 02, 2018
Factors Affecting Social Security
The importance of Social Security for retired Americans simply can not be overstated. Further, understanding what you will be paid from Social Security and what factors can effect that payout are equally important. On today’s show, Ralph discuss the various factors that may affect your Social Security payout. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E52 · Tue, May 01, 2018
401(k) Features to Know and Love
On today’s show, Ralph discusses features and benefits to contributing to 401(k)s for those staring early and those starting late. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E51 · Sat, April 28, 2018
Should I Retire?
Retirement is about the alignment of two things: money and values. When deciding if you should retire, that means you have to know if you can afford to - and you have to know what retirement means to you. On today’s show, Ralph talks about retirement and helps answer the questions surrounding the major life change. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E50 · Thu, April 26, 2018
Are Social Security Benefits Taxable?
Many Americans do not know that depending on your income, you could have to pay your federal income tax rate on up to 85% of your Social Security benefits. On today’s show, Ralph reviews the tax regulations regarding Social Security and applicable income limits so that you are not blind sided come filing season. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E49 · Tue, April 24, 2018
Lame Excuses for Non/Late Filers
Did your forget to file your taxes? Were you too busy to submit your return? Was tax filing just too confusing? On today’s show, Ralph talks lame excuses for filing late and not filing and whether that excuse holds any weight with the IRS. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E48 · Fri, April 20, 2018
IRS Red Flags to Know
So you have filed your 2017 tax return, or filed an extension, and may have one nagging question: Am I going to be audited by the IRS?For most people, even the prospect of an IRS tax audit can raise your blood pressure. On today's show, Ralph review 12 of the top IRS red flags that could trigger an audit. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E47 · Thu, April 19, 2018
What To Do When Your Returns Have Been Botched
To err is human, but to err on your tax return can be a complete disaster. If you did your own taxes, of course, you may have only yourself to blame. But if you think your tax preparer made a mistake on your return, there are steps to take. On today’s show, Ralph discusses what you can do if your tax preparer botches your tax return filing. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E46 · Tue, April 17, 2018
How to File an Extension
Tax day is dreaded by millions of Americans, and some people have such a hard time coming to grips with filing for taxes that they file extensions to prolong the inevitable. April 17th is the deadline for most taxpayers to file an extension and to pay any taxes owed to avoid penalty and interest charges. On today’s show, Ralph discusses how to file an extension before it is too late. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E45 · Fri, April 13, 2018
How to File for Social Security Benefits
The discussions surrounding Social Security filing seems to always center around when to file and how best to strategize your claims; however, many do not know the actual process to file when you decide to file. On today’s show, Ralph outlines the entire process for filing for Social Security benefits and gives tips for navigating the filing procedures. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E44 · Wed, April 11, 2018
Cost Basis FAQs
Selling an investment can have tax consequences. To figure out whether you need to report a gain or can claim a loss-after selling, you need to know the cost basis for that investment. On today’s show, Ralph outlines everything you need to know when computing your cost basis this tax season. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E43 · Tue, April 10, 2018
Review Your W2 Form
Every direct employee of a company receives a W-2 form in January. The W-2 is the base document that defines your tax obligations, so it is important that you review and understand yours. On today’s show, Ralph reviews how to review your W2 form and update your withholding status each paycheck. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E42 · Sat, April 07, 2018
IRS Penalties to Avoid
On today’s show, Ralph review some of the most common penalties associated with IRS filings as we come closer to the end of filing season on April 17th. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E41 · Wed, April 04, 2018
Why Aren't Americans Saving for Retirement?
When it comes to saving for retirement, most American workers are not only falling short, they don not even know how behind they are. What is more disturbing, research shows that savings trends are getting worse, despite a decades-long push to enroll workers in 401(k)s and other employer plans. On today's show, Ralph tackles why more Americans are not saving for their retirement. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E40 · Tue, April 03, 2018
Tax Benefits of Parenthood
Congratulations! You have just been handed your first little bundle of joy in the are about to embark on the long journey of parenthood. It will be full of joyful experiences that make the corresponding aggravations worthwhile, and it comes with many benefits — some of which are tax-related. On today's show, Ralph outlines the benefits of parenthood from a tax filing standpoint. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E39 · Fri, March 30, 2018
Elimination of Misc. Itemized Deductions
The Federal tax reform passed in December has created changes to the tax rate and bracket structure, with an elimination of personal exemptions and certain itemized deductions. The changes were implemented for 2018, and will affect filing in spring 2019. That does not mean it is too early to start thinking about what this means for taxpayers. On today's show, Ralph reviews the various changes and effects to deductions set to take effect in the coming filing seasons. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E38 · Thu, March 29, 2018
15 Q's & A's for Tax Season
On today's show, Ralph discusses 15 relevant and burning tax season questions to get the answers to before April 17th. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E37 · Tue, March 27, 2018
Watch Out for Tax Frauds
In your rush to file your taxes this year, do not forget to watch out for fraudulent tax preparers. Crooked tax preparers will lure you with the promise of big refunds and easy fixes. Beware that you will be on the hook to pay more money when the IRS catches on to the fact that your return is botched. On today's show, Ralph discusses signs to help you spot a fraudulent tax preparer and keep yourself safe. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E36 · Sat, March 24, 2018
Signs That You Shouldn't Do Your Own Taxes
Paying taxes is painful enough. We understand why forking over even more of your hard-earned money to pay someone to prepare your tax return would seem out of the question? If your tax situation is straightforward, a professional preparer is not needed. But for some taxpayers, it is worth spending the money to get professional help. On today's show, Ralph outlines signs for knowing when to hire a tax expert. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com. Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph, contact him at 302-659-6560 or go to www.askralph.com for more information! Read the full article by Wendy Connick at https://www.fool.com/taxes/2018/02/04/4-signs-you-shouldnt-do-your-own-tax-return.aspx
S2 E35 · Wed, March 21, 2018
5 Things To Do Before Tax Day (for Small Business Owners)
If you’re a small business owner, Tax Day (April 17th) has a wholly different connotation than it does for most of America. While most working Americans, are excitedly anticipating the receipt of a big refund check, small business owners dread the annual scramble to gather their K1s, compile deductions, and sort through receipts. On today's show, Ralph reviews five things small business owner should do to get ready for the filing deadline. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com. Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph, contact him at 302-659-6560 or go to www.askralph.com for more information! Read the full article by Alex Chriss at https://www.inc.com/alex-chriss/tax-countdown-5-things-small-business-owners-must-do-before-april-17.html
S2 E34 · Tue, March 20, 2018
How Long to Keep Tax Records?
If you think your tax work is done once you file your return, think again. Now you need to file your tax records. Keeping your tax returns and the documents you used to complete them obviously is critical in case you are ever audited. Good record-keeping also could help if you need to file an amended return because you discovered a mistake or learned of a tax break you should have claimed. On today's show, Ralph reviews how long you need to keep tax records. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com. Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph, contact him at 302-659-6560 or go to www.askralph.com for more information!
Sat, March 17, 2018
Radio Broadcast
Check out this Saturday's radio broadcast at 8:00AM on WILM 1450 ( https://wilm.iheart.com/ ) in Wilmington, WDOV 1410 ( https://wdov.iheart.com/ ) in Dover and live on iHeart Radio. On this week's show, Ralph speaks about how long you should keep tax documents, lays out four reasons you shouldn't do your own taxes and lists out must-dos for small business owners before April 17th. Subscribe to our Podcast for more content! You can also like us on Facebook, follow us on Twitter (@askralphmedia) or email us at askralph@askralphmedia.com .
S2 E33 · Fri, March 16, 2018
Ways to Invite an IRS Audit
An IRS tax audit stands out as one of those events in life that people typically want to avoid. No one wants to sit through a meeting with the IRS and be told that they owe more money in taxes. However, you may be making mistakes when you file taxes that will inevitably lead to the singling out your return for scrutiny. On today's show, Ralph outlines everything you need to avoid when filing your return that could lead to an audit. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com. Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E32 · Wed, March 14, 2018
New Year, New Code, New W-4 Form to Update
As many of us file and complete our returns this tax season, keep in mind that the changes as a result of tax reform largely go into effect next year , when you're filing your 2018 tax return in 2019. What you will see this year are changes to your paycheck — since the IRS has updated the income withholding tables to reflect the changes in the tax bill. This also means that every employee should review the new 2018 IRS W-4 form released recently and update as needed to make sure you are withholding the right amount under the new legislation. On today's show, Ralph reviews the changes to the most recent version of the IRS W-4 form and outlines how to do a "paycheck checkup" to make sure you are not blindsided next filing season. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com. Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph, contact him at 302-659-6560 or go to www.askralph.com for more information! For more information and to download the new 2018 IRS W-4 form, visit https://www.irs.gov/pub/irs-pdf/fw4.pdf. To complete the IRS withholding calculator visit https://apps.irs.gov/app/withholdingcalculator/
S2 E31 · Mon, March 12, 2018
Top Fake Tax Tips to Know
It’s that time of the year again. The time when Tax Day is fast approaching and you start hearing conflicting things from friends and family about what is—and what is not—okay when filing your taxes. There is a lot of misinformation out there about various deductions, loopholes, and write-offs that can get you into trouble. On today's show, Ralph discusses some common uninformed and false tax tips to save you from ending up on the IRS' radar. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com. Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph, contact him at 302-659-6560 or go to www.askralph.com for more information! Read Tina Orem's article entitled, " 5 Pieces of Popular Tax Advice That Are Actually Baloney" originally posted on NerdWallet on February 22, 2017 ( https://www.nerdwallet.com/blog/taxes/bad-tax-advice/) for more information.
S2 E30 · Sat, March 10, 2018
Claiming Social Security at Age 70
Nearly 62 million people rely on Social Security benefits each month, making it arguably America's most important social program. Of these beneficiaries, more than three out of five are reliant on the program to provide at least half of their monthly income. Yet for as important as Social Security is for the nation's retired workforce, knowledge surrounding Social Security is lacking. On today's show, Ralph discusses social security and when is the best time to claim. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com. Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E29 · Thu, March 08, 2018
Often-Missed Tax Deductions
The recent tax overhaul is taking away some tax breaks and keeping many others. Some deductions will only be available for the 2017 tax year, while others-although available, might not be worth using anymore after this year due to the significant increase in the standard deduction, which will make itemizing unnecessary for many millions of taxpayers. On today's show, Ralph overviews the most commonly missed tax deductions by self-filers and even some paid-preparers. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com. Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E28 · Tue, March 06, 2018
5 Tax Mistakes to Avoid
The U.S. tax code is nearly 4 million words. That is a lot of complicated tax jargon. However, even though the rules are complex, most of the mistakes taxpayers make on their returns are fairly simple. Read on to see if your making one of these 10 common mistakes on your tax return. On today's show, Ralph review the top five common mistakes made when filing your tax returns. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com. Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E27 · Fri, March 02, 2018
Identity Theft Protection Tips
Identity theft is a crime that is estimated to affect over 9 million Americans per year, with levels on the rise. When an identity thief gets his (or her) hands on your personal information, they gain the power to wreak havoc on your finances, credit and reputation. The bad news is that you cannot protect yourself 100% from identity theft. The good news is you can greatly reduce your risk by acting quickly when your personal information has been compromised. On today's show, Ralph reviews 12 steps to keep your identity safe! Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a new business consultation with Ralph, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E26 · Wed, February 28, 2018
Big Tax Bill Payment Options
Though the majority of Americans wind up getting a refund on their taxes, there are also those who end up owing money to the IRS once their returns are completed. If you are staring at a tax bill you know you ca not pay, do not panic. On today's show, Ralph discusses tax payment options like "offer in compromise" and installment plans for making that tax debt more manageable. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. Need tax advice specific to you? To schedule a consultation with Ralph, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E25 · Mon, February 26, 2018
Financials Tips for Wo(Men)
On today's show, Ralph speaks about common financial mistakes professional women make and tips for making the best financial decisions. Let us be clear: Not all women make these mistakes. Not all men avoid them. But common questions posed to Ralph's firm and other fields denote that there are a few female financial problem areas that can lead to major debt and lots of stress. The Ask Ralph team wants to keep you informed and in the know to make the best decisions possible. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a new consultation with Ralph, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E23 · Wed, February 21, 2018
2017 Tax Code Update
Deep inside the incredibly large 654-page bipartisan budget bill recently signed into law by Congress are little-noticed extensions of key tax-code benefits that expired in 2016, but now can be used for upcoming 2017 tax filings. If you have already filed your tax returns, you may want to take a listen and file an amended return to ensure you did not leave anything on the table. On today's show, Ralph reviews all of the changes to the tax code that are relevant to this current 2017 tax filing season and going forward. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a new business consultation with Ralph, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E22 · Mon, February 19, 2018
Mail Bag Part Three: Common Tax Questions
At the Ask Ralph podcast, we can tell a lot about what is on our listeners' minds by looking into the mailbag, and it is no surprise right now that the big topic is taxes. The W-2s are rolling in, people are beginning to anticipate their tax refunds, and they are also beginning to stress about the process for getting them filed. On today's show, Ralph continues answering all your tax questions in part three of our mail bag series! Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a new business consultation with Ralph, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E21 · Fri, February 16, 2018
QuickBooks Online and Your Small Business with Mike Potter
QuickBooks Online is becoming a staple for the small business owner seeking to manage their accounting and bookkeeping. It can easily cater to the needs of small businesses and as well as major enterprises. Small companies find that its interface is easy to master, bank accounts sync automatically to a single dashboard and allows users to view and generate reports with a single click. On today's show, Ralph sits down with Mike Potter of Intuit to discuss their newest accounting and financial management software for business, QuickBooks Online. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. For more information about QuickBooks Online and other products offered by Intuit, visit https://quickbooks.intuit.com/online/ . You can try it for free for 30 days !
S2 E20 · Wed, February 14, 2018
Mail Bag Part Two: Common Tax Questions
Taking a look at your 1099s/W2s and realizing you will need more time to file your taxes this year? Confused whether or not you are in a new bracket after Congress passed the new tax law? We’re here to help. To find out what people’s most burning questions about taxes are, we have asked listeners to submit their tax questions directly to the Ask Ralph team in time for filing season. On today's show, Ralph answers all your tax questions in part two of our mail bag series! Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a new business consultation with Ralph, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E19 · Mon, February 12, 2018
Mail Bag Part One: Common Tax Questions
Taxes can be confusing. We’re here to help. To find out what people’s most burning questions about taxes are, we have asked listeners to submit their tax questions directly to the Ask Ralph team in time for filing season. On today's show, Ralph answers all your questions from our listeners mail bag in part one of our listener question series! Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a new business consultation with Ralph, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E18 · Fri, February 09, 2018
Technology Integration in Practice with Dr. Puja Balchandani
Much like the digital camera in the field of photography, technology is changing dentistry as we know it, bringing immediacy, flexibility, and efficiency to dental practices. Furthermore with new technology, practices are experiencing greater productivity, better communications with patients, and a more satisfied staff. On today's show, Ralph speaks with Dr. Puja Balchandani of Christiana Pleasant Dental to talk about her customer-focused and technology-based business model and how it sets her practice apart from competitors. For more information about Dr. Balchandani and Christiana Pleasant Dental, visit website at https://www.christianapleasantdental.com or give them a call to schedule a consultation at (302) 738-366. Christiana Pleasant Dental is located at 72 Omega Drive, Bldg D, Newark, DE, 19713
S2 E17 · Wed, February 07, 2018
Making the Jump into Small Business
Though a majority of people are interested in running their own businesses, many have no idea how to begin. For a lot of people, the advice pro-startup leaders is to just “jump in, make mistakes, and learn”. Although appreciated, this advice does not provide enough specifics on how to start and what those mistakes made will cost. On today's show, Ralph examines the best steps to take when starting your own business to ensure a solid foundation for the future. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a new business consultation with Ralph, contact him at 302-659-6560 or go to www.askralph.com for more information!
S2 E16 · Mon, February 05, 2018
Ready, Set, File Your Tax Return Early
Each year, the vast majority of taxpayers receive some sort of refund upon filing their tax returns, and 2018 will probably be no exception. With the fear of government shutdown looming, widespread tax fraud and identity theft on the rise there are more reasons to file early than not if you expect a refund. On today's show, Ralph discusses the reasons for why filing early this year may be to your benefit. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.
S2 E15 · Fri, February 02, 2018
Integrity in Small Business with Ken Zajaczkowski
Why is operating with integrity so vital for a business today? With the rise of technology, comes the rise of greater transparency and need for businesses to operate with honesty. Businesses failing to be transparent in their dealings with the public, or those that do not deliver on their promises to customers and clients, can find themselves ostracized with poor internet reviews and dried up market. On today’s show, Ralph sits down with owner of Stay True Plumbing to talk about his journey to owning his business and why it is important to "Stay True" to your values. For more information on Stay True Plumbing, give them a call at (302-464-1198) or visit their website at http://staytrueplumbing.com. Like them on Facebook at: www.facebook.com/staytrueplumbing Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.
S2 E14 · Wed, January 31, 2018
Rental Property Tax Tips
Owning property is a big part of the American dream for many taxpayers, and it seems the federal government is trying to reward such behavior. The U.S. tax code allows rental property owners take advantage of deductions not available to others. In fact, being able to take advantage of so many tax deductions is often what makes owning rental property a lucrative venture. On today’s show, Ralph discusses common tax deductions available to rental property owners. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.
S2 E13 · Mon, January 29, 2018
Common Self-Filer Mistakes
Tax preparation software is preventing more taxpayers from making mistakes on their annual tax returns. Unfortunately, just one entry error on your computer could end up costing you — in the form of a larger tax bill or a smaller refund. On today’s show, Ralph highlights common mistakes made by self-filers during tax season so you can be on alert. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.
S2 E12 · Fri, January 26, 2018
Social Selling with Brooke Beers of The Horse Holster
Branding, promotions, products, pricing, advertising, research and social media -- all of this is marketing. With all the marketing options out there, it can be difficult for small businesses to know what to do. Pair that with product development, bringing to market and you have just hit the trio of small business stressors. On today's show, Ralph sits down with Brooke Beers of The Horse Holster to discuss how she invented, developed, and utilizes social media to grow her business in today's market. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Follow Brooke and The Horse Holster on Instagram ( @the_horse_holster ) and Facebook ( https://www.facebook.com/thehorseholster/ ) Visit their website for more information at https://thehorseholster.com . Click here to find a dealer near you!
S2 E11 · Wed, January 24, 2018
Estate Planning for Spouses
A good plan means being ready for any life event — marriage, children and even death. For many couples, estate planning can be a very stressful and overall unpleasant task. Planning for tragedy can sometimes feel like testing fate. Nevertheless, estate planning is vitally important for families, ecspcially given the recent tax code overhaul that went into effect in 2018. On today's show, Ralph discusses marital estate planning so you can make sure everything is in order and your family is protected. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.
S2 E10 · Mon, January 22, 2018
Fever Refund Pitch
Many individuals who are looking for fast cash to pay outstanding holiday bills, unexpected car repairs and skyrocketing heating bills are being bombarded with advertising pitches for tax refund advances. Although expected to grow in popularity, the prefund refund option should be approached with suspicion and caution of the costs. On today's show, Ralph outlines the growth of tax refund advances and gives tips on what you need to know before taking one this tax season. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.
S2 E9 · Fri, January 19, 2018
Annual Check-Up: Retirement Planning
To avoid working all of your life and dreaming about retirement only to be disappointed when it arrives, you need to do more than just monitor the balance in your 401(k) plan. Taking time to check up on how your retirement savings are progressing and make sure you are still on track, or even better, adjust so you can improve your outlook. On today's show, Ralph discusses tips for keeping your 401(k) and other retirement savings healthy so you can stay happy. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.
S2 E8 · Wed, January 17, 2018
Annual Check-Up: Small Business
A small business checkup is similar to getting your car serviced. Often times we get caught up in the commute–the back and forth–and we do not take proper time to check under the hood and make sure everything is running properly. For small business owners, a regular checkup can prove vital in helping a business continue to grow and hit their goals. On today's show, Ralph discusses tips for small business owners going into the 2018 tax year to make sure your business stays in good shape. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.
S2 E7 · Mon, January 15, 2018
Annual Check-Up Series: Personal Debt
Every year, you get poked and prodded by your doctor to make sure you stay healthy. You should take similar care of your financial well-being with an annual checkup of essentials, such as your credit situation, retirement savings and life insurance. No needles or ice-cold stethoscopes required. On today's show, Ralph reviews personal debt and strategies to make the best out of your financial situation with our first episode of our annual check-up series. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.
S2 E6 · Fri, January 12, 2018
Financial Resolutions for the New Year
The New Year is a great time to overhaul your life for the better, and one excellent place to start is by making solid financial resolutions that can help get you closer to your money goals, whether it means increasing your retirement savings or setting funds aside for a down payment on a house. On today's show, Ralph lists some new year's resolutions to make and better your financial picture this year. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.
S2 E5 · Wed, January 10, 2018
10 Steps to Get Ready for Tax Preparation
Tax season is rapidly approaching and it is important to do your homework before your the season begins. Getting organized early can save you hours of hassles when it comes time to do your taxes or hand them over to your accountant. On today's show, Ralph discusses ten steps to take to get ready for tax preparation. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.
S2 E4 · Mon, January 08, 2018
New Year, New Accounting Resolutions
If you are a fan of setting individual goals for the new year, you must make sure not to forget about your business. Take the opportunity to examine your company’s financial health and look for ways to make improvements. On today's show, Ralph reviews resolutions to make for your business to help it stay in shape in 2018. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.
S2 E3 · Fri, January 05, 2018
6 Things Your Tax Preparer Doesn't Want You To Know
Paying an expert to prepare your taxes is simple and makes a lot of sense, but finding the right person to prepare your taxes can be difficult. It is important to make sure you thoroughly understand your preparer's competence and experience so that you aren't leaving money on the table. On today's shows, Ralph discusses how to find the best and most qualified tax preparer this tax season. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.
S2 E2 · Wed, January 03, 2018
How Tax Reform will Affect Families
Most Americans will get a tax cut this year under the plan Congress passed recently, but figuring out exactly how much your family will save is tricky. In fact, for many families circumstances can vary widely depending on factors like income, the number of children or where you live. On today's show, Ralph takes a look at how 8 different families will be affected by the newly passed tax bill set to take effect in the coming tax years. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. Link to Article: https://www.bloomberg.com/news/articles/2017-12-20/how-the-tax-bill-will-affect-eight-american-families
S2 E1 · Mon, January 01, 2018
Questions to Ask When Selecting a Tax Preparer
With tax season just around the corner, now is the time to start thinking about not just when you will file your taxes, but how. In fact, you may be looking at hiring a professional to file your return on your behalf -- and if so, you wouldn't be alone. On today's show, Ralph reviews questions to ask when selecting a tax preparer this season. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.
Bonus · Sat, December 30, 2017
Radio Broadcast: December 30th, 2017
Originally aired on Saturday, December 30th, 2017 on WILM 1450 in Wilmington and WDOV 1410 in Dover, Delaware. On today's show Ralph talks tax preparer dos and don'ts, questions to ask when choosing someone this tax season, and outlines how 8 different American families will be affected by the new tax reform bill. If you have any questions or ideas for future shows, please email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. Advertisers: For more information on Haass Family Butcher Shop , give them a call at (302) 734-5447 or visit their store at 3997 Hazlettville Road in Dover ( https://www.haassmeats.com/ ). For more information on Sawyer Sanitation , give them a call at (302) 678-8240 and mention "Ask Ralph" to receive $5.00 off your service. For more information on Saggio Accounting+Plus , visit www.saggioaccounting.com or give them a call at (302) 659-6560 to schedule a consultation today.
S1 E26 · Fri, December 29, 2017
Cash Flow and Community with Ron Price of Blue Earl Brewing Co.
Cash flow is a key indicator of financial health and the life-blood of any small business. Equally important to having a solid cash flow is the relationship a small business has with its community. If you are running your business well, chances are your most avid supporters are the people buying your product or service, thus keeping your cash flow manageable. On today's show, Ralph speaks with Ron Price , founder of Blue Earl Brewing Company in Delaware about the importance of managing cash flow and building strong local relationships when growing your business. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. Check out Blue Earl Brewing Company in Smyrna at 210 Artisan Drive, Smyrna DE 19977 for a tour or stop by the taproom "The Juke" and enjoy fine craft beers, delicious eats and amazing live entertainment. Visit their website for more information ( https://www.blueearlbrewing.com/ ).
S1 E25 · Wed, December 27, 2017
Part 2: Tax Code Changes for 2018
Moving expense deduction suspended, changes in employee fringe benefits, and all new tax brackets for individuals under the newly passed tax overhaul from Congress set to take effect starting in 2018 for many taxpayers. Lots of people asked us how the new law would affect them. On today's show, Ralph outlines more of the changes in the Tax Cuts & Jobs Act of 2018 and what it means for your returns going into the new year. Submit your tax questions and Ralph will answer them on an upcoming show! Tweet us at @askralphmedia, send us a message on Facebook or email us at askralph@askralphmedia.com . Visit www.askralphmedia.com for more information.
S1 E24 · Mon, December 25, 2017
Part 1: Tax Code Changes for 2018
Standard deductions doubled, mortgage interest and SALT caps, and a phase-out of itemization are just a few of the big changes for taxpayers in 2018. If you are struggling to figure out exactly how the tax overhaul will affect you, you've come to right place. On today's show, Ralph gives is an overview of the new provisions and what it means for your returns in the new year. Submit your tax questions and Ralph will answer them on an upcoming show! Tweet us at @askralphmedia, send us a message on Facebook or email us at askralph@askralphmedia.com.
S1 E23 · Sun, December 24, 2017
Women in Business: Interview with Hope Lopez
Women are opening up new small business at a faster pace than men according to recent reports. But many still face higher hurdles for success than their male counterparts. On today's show, Ralph sits down with Hope Lopez of El Azteca Mexican Restaurants in Dover to discuss what it takes to successfully run a small business and the unique challenges female entrepreneurs face in today's economy. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. Check out El Azteca Mexican Restaurant in Dover at 859 N. Dupont Highway, Dover DE 19901 or their newest location in Rehoboth at 20672 Coastal Hwy, Rehoboth Beach, DE 19971. Visit their website for more information ( http://www.aztecadelaware.com ). Link to Federal Reserve Report: https://www.newyorkfed.org/medialibrary/media/smallbusiness/2016/SBCS-Report-WomenOwnedFirms-2016.pdf
Bonus · Sat, December 23, 2017
Radio Broadcast: December 23rd, 2017
Originally aired on Saturday, December 23rd, 2017 on WILM 1450 in Wilmington and WDOV 1410 in Dover, Delaware. On today's show Ralph discusses the most recent tax code overhaul, reviews how it is going to affect you in the coming year, then speaks with the founder of Blue Earl Brewing Company and local brew master, Ron Price, about the importance of managing cash flow and building strong local relationships when growing your business. Check out Blue Earl Brewing Company in Smyrna at 210 Artisan Drive, Smyrna DE 19977 for a tour or stop by the taproom "The Juke" and enjoy fine craft beers, delicious eats and amazing live entertainment. Visit their website for more information ( www.blueearlbrewing.com ). Don't forget to check out the brewery's Big Earl Bottle Series and attend their 3rd Annual Christmas Party on Saturday, December 23rd from 5-11PM at "The Juke". For more information visit www.blueearlbrewing.com/copy-of-event-3-2 If you have any questions or ideas for future shows, please email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. Advertisers: For more information on Haass Family Butcher Shop , give them a call at (302) 734-5447 or visit their store at 3997 Hazlettville Road in Dover ( https://www.haassmeats.com/ ). For more information on Sawyer Sanitation , give them a call at (302) 678-8240 and mention "Ask Ralph" to receive $5.00 off your service. For more information on Saggio Accounting+Plus , visit www.saggioaccounting.com or give them a call at (302) 659-6560 to schedule a consultation today.
S1 E22 · Thu, December 21, 2017
Entrepreneurial Time Wasters
Being a new entrepreneur is stressful, and that stress is compounded when you start realizing just how little time there is in a day. Your energy and creativity may feel limitless, but your time isn't. On today's show, Ralph discusses tips for making your workday more productive and efficient. Submit you questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. Link to article discussed in show: https://ohiocpa.com/utilities/displaynewsitem/2017/11/13/avoid-these-8-entrepreneurial-time-wasters
S1 E21 · Tue, December 19, 2017
Retirement Saving: Roth IRA vs. 401k
There are many decisions that we all must make about retirement. One of the most perplexing relates to the types of retirement account options available, and where we should put our money first. On today's show, Ralph clears the air on the 401k vs. Roth IRA debate so you can make the best financial decision possible for your retirement savings. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.
S1 E20 · Mon, December 18, 2017
Small Business Outsourcing with Dr. Trevor Ennis
For a startup or small business, any reduction in overhead lets you shift more revenue to operational growth, while simultaneously freeing up your time. Outsourcing can provide continuity, operational expense control and risk management. It can also improve your work/life balance. On today's show, Ralph sits down with Dr. Trevor Ennis of Middletown Chiropractic and Rehabilitation Center to discuss the benefits of outsourcing for businesses seeking to manage time and better patient/client care. Submit you questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. For more information on Dr. Trevor Ennis, Middletown Chiropractic & Rehabilitation Center and their new location in Dover, visit their website at www.middletownchiropractors.com , or give them a call directly at (302) 415-3646 to schedule an appointment for a free x-ray and consultation today.
Bonus · Sat, December 16, 2017
Radio Broadcast: December 16th, 2017
Originally aired on Saturday, December 16th, 2017 on WILM 1450 in Wilmington and WDOV 1410 in Dover, Delaware. On today's show Ralph reviews options for Roth IRA and 401K planning, lists some top time wasters for entrepreneurs and sits down with Hope Lopez, co-owner of El Azteca Mexican Restaurant in Dover to discuss being a female small business owner. If you have any questions or ideas for future shows, please email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. Check out El Azteca Mexican Restaurant in Dover at 859 N. Dupont Highway, Dover DE 19901. Visit their website for more information ( http://www.aztecadelaware.com ). Don't forget to stop by their newest location in Rehoboth Beach, Delaware! Advertisers: For more information on Haass Family Butcher Shop , give them a call at (302) 734-5447 or visit their store at 3997 Hazlettville Road in Dover ( https://www.haassmeats.com/ ). For more information on Sawyer Sanitation , give them a call at (302) 678-8240 and mention "Ask Ralph" to receive $5.00 off your service. For more information on Saggio Accounting+Plus , visit www.saggioaccounting.com or give them a call at (302) 659-6560 to schedule a consultation today.
S1 E19 · Thu, December 14, 2017
Choosing Your Entity Type
Of all the choices you make when starting a business, one of the most important is the type of legal structure you select for your company. Not only will this decision have an impact on how much you pay in taxes, it will affect the amount of paperwork your business is required to do, the personal liability you face and your ability to raise money. On today's show, Ralph discusses how to choose the right legal entity for your business and best fits your needs. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.
S1 E18 · Wed, December 13, 2017
Holiday Scams to Avoid
The holiday season is in full swing which also means scammers are out in full force. From gift card scams to "secret shopper" swindling, scam artists crank into high gear during the holiday season. Cybercriminals are stepping up their game to steal your money and personal information during the holidays. On today's show, Ralph discusses some holiday scams to be on the look out for this season so that your holiday can stay merry and bright. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.
S1 E17 · Sun, December 10, 2017
Year End Tax Planning
There is still uncertainty over when or if tax reform will be implemented; regardless, you may be able to save a bundle on your taxes if you make the right moves before the end of the year. On today's show Ralph outlines some end of the year tax planning strategies for reducing 2017 tax liability. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.
Bonus · Sat, December 09, 2017
Radio Broadcast: December 9th, 2017
Originally aired on Saturday, December 9th, 2017 on WILM 1450 in Wilmington and WDOV 1410 in Dover, Delaware. On today's show, holiday scams to avoid, deciding on the type of entity for your new business and Ralph sits down with Dr. Trevor Ennis of Middletown Chiropractic & Rehab Center to discuss the benefits of outsourcing for businesses seeking to manage time and better patient/client care. If you have any questions or ideas for future shows, please email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. For more information on Dr. Trevor Ennis, Middletown Chiropractic & Rehabilitation Center and their new location in Dover, visit their website at www.middletownchiropractors.com , or give them a call directly at (302) 415-3646 to schedule an appointment for a free x-ray and consultation today. Advertisers: For more information on Haass Family Butcher Shop , give them a call at (302) 734-5447 or visit their store at 3997 Hazlettville Road in Dover ( https://www.haassmeats.com/ ). For more information on Sawyer Sanitation , give them a call at (302) 678-8240 and mention "Ask Ralph" to receive $5.00 off your service. For more information on Saggio Accounting+Plus , visit www.saggioaccounting.com or give them a call at (302) 659-6560 to schedule a consultation today.
S1 E16 · Fri, December 08, 2017
IRS Audit Myths
An audit is arguably the most dreaded outcome of the tax filing process, and the situation carries with it some unsettling mystique. The standard nightmare has IRS agents with badges showing up on your doorstep and seizing the your personal assets. On today's show Ralph debunks common myths about IRS audits. Submit you questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. For more information visit the IRS Audit FAQ
S1 E15 · Tue, December 05, 2017
Protecting Yourself Online
The internet has increased access to the global community, created a new online shopping economy and made sharing cat videos even easier. These innovations go hand-in-glove with intrusions from marketers and threats from criminals. On today's show, Ralph discusses steps to take control, protect yourself and keep your data safe. Submit you questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. For more information on LastPass Password Manager, visit www.lastpasss.com or download the app! For more information on Yubico security keys, visit www.yubico.com for a complete list of their products. To download the Privacy Badger, go to https://www.eff.org/privacybadger and enable "DO NOT TRACK". To test your browser, visit https://panopticlick.eff.org/ for Panopticlick 3.0 and confirm that your browser is safe against tracking.
S1 E14 · Sun, December 03, 2017
Primary Care Options with Dr. Beth Renzulli
Imagine unhurried office visits, same day or next day sick appointments, and direct contact with your doctor. Not a fantasy, but an option under direct primary care physicians (DPC). On today's show, Ralph sits down with Dr. Beth Renzulli of WELL Primary Care to discuss health coverage alternatives like DPC and the benefit to patients. Submit you questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. For more information on direct primary care, visit the Well Primary Care website at http://wellprimarycare.com/faq.html , or give them a call directly at (302)449-0079 to schedule an appointment with Dr. Beth Renzulli.
Bonus · Sat, December 02, 2017
Radio Broadcast: December 2nd, 2017
Originally aired on Saturday, December 2nd, 2017 on WILM 1450 in Wilmington and WDOV 1410 in Dover, Delaware. On today's show, Ralph gives pointers for protecting yourself online, outlines some end of the year tax planning strategies, and debunks common IRS audit myths. If you have any questions or ideas for future shows, please email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. Advertisers: For more information on Haass Family Butcher Shop , give them a call at (302) 734-5447 or visit their store at 3997 Hazlettville Road in Dover ( https://www.haassmeats.com/ ). For more information on Sawyer Sanitation , give them a call at (302) 678-8240 and mention "Ask Ralph" to receive $5.00 off your service. For more information on Saggio Accounting+Plus , visit www.saggioaccounting.com or give them a call at (302) 659-6560 to schedule a consultation today.
S1 E13 · Thu, November 30, 2017
Feeling Charitable
Throughout the year, many taxpayers contribute money or gifts to qualified organizations eligible for tax-deductible charitable contributions. However, the rules surrounding charitable donations can often be confusing. On today's show, Ralph discusses tips to help ensure your contribution pay off on your tax return this holiday season. Submit you questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. For more information: Search for Charities or download Publication 78, Cumulative List of Organizations Publication 526, Charitable Contributions (PDF 178K) Publication 561, Determining the Value of Donated Property (PDF 101K) Form 1040, U.S. Individual Income Tax Return (PDF 176K) Schedule A, Itemized Deductions (PDF) Form 8283, Noncash Charitable Contributions ( PDF ) Instructions for Form 8283, Noncash Charitable Contributions ( PDF )
S1 E12 · Wed, November 29, 2017
Low-Tech Tips for Success
The first route many small businesses take when faced with problems is to look for the latest and greatest high-tech solution. Newer does not always mean better. Sometimes going the low-tech, even no-tech, route can wind up giving your business the edge it needs. On today's show, Ralph discusses 7 low-tech tips for small business owners seeking to make a greater and more personal impact with clients. Submit you questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. For more information, read the entire article from USA Today here: Abrams, Rhonda. (2017, November 08). 7 Low-Tech Success Secrets for Small Businesses. USA Today. Retrieved from https://www.usatoday.com/story/money/columnist/abrams/2017/11/08/7-low-tech-success-secrets-small-businesses/841974001/
S1 E11 · Sun, November 26, 2017
Paying Your Bills
If you are running a business, it does not matter whether you are an independent contractor, new start-up, or or established business owner, managing accounts payable is a key part of your everyday hassle. It’s tedious, it’s time-consuming, and it costs you money. On today's show, Ralph dives into everything you need to know to create an efficient and reliable AP system for your business. Submit you questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com. Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.
Bonus · Sat, November 25, 2017
Radio Broadcast: November 25th, 2017
Originally aired on Saturday, November 25th, 2017 on WILM 1450 in Wilmington and WDOV 1410 in Dover, Delaware. On today's show, Ralph discusses charitable giving for the tax-minded individual, speaks with Dr. Beth Renzulli of WELL Primary Care in Delaware about health coverage alternatives, and gets down to the basics with some low-tech tips for business owners. If you have any questions or ideas for future shows, please email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. For more information on direct primary care, visit the Well Primary Care website at http://wellprimarycare.com/faq.html , or give them a call directly at (302)449-0079 to schedule an appointment with Dr. Beth Renzulli. Advertisers: For more information on Haass Family Butcher Shop , give them a call at (302) 734-5447 or visit their store at 3997 Hazlettville Road in Dover ( https://www.haassmeats.com/ ). For more information on Sawyer Sanitation , give them a call at (302) 678-8240 and mention "Ask Ralph" to receive $5.00 off your service. For more information on Saggio Accounting+Plus , visit www.saggioaccounting.com or give them a call at (302) 659-6560 to schedule a consultation today.
S1 E10 · Fri, November 24, 2017
Top Five IRS Red Flags
A tax audit is unlikely for most Americans, as fewer than 1% of tax returns are audited each year; however, there are some factors that could make your tax return more likely to attract the IRS's attention. On today's show Ralph shares his list of the top 5 most common red flags for return filing and gives some tips for future filing. We want to hear from you! Do you have an idea for the show? Or have a year end tax question burning a whole in your brain? Or just want to shoot us some feedback on the show? If so, please let us know by emailing us at askralph@askralphmedia.com or tweet us at @askralphmedia. Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.
S1 E9 · Wed, November 22, 2017
Small Business Funding with Pango Financial
Ralph sits down with Candice Caruso of Pango Financial to discuss some new and innovative funding options for small business owners and entrepreneurs. To learn more about Pango Financial's DreamSpark Plan, visit www.pangofinancial.com/dreamspark-funding-options/ or contact them directLY at 1-855-WHY-PANGO (1-855-949-7264). If you have any questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.
S1 E7 · Sun, November 19, 2017
Military Tax Breaks
Life in the military can demand sacrifice: some personal, some financial. Although nothing can make up for the hardship, the government does offer some special tax breaks for military professional to alleviate some of that burden. Ralph discusses military tax tips on today's show. If you have any questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com. Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.
Bonus · Sat, November 18, 2017
Radio Broadcast: November 18th, 2017
Originally aired on Saturday, November 18th, 2017 on WILM 1450 in Wilmington and WDOV 1410 in Dover, Delaware. On today's show Ralph talks IRS red flags, tips for paying your bills and interviews Candice Caruso with Pango Financial about alternative funding options for new businesses. If you have any questions or ideas for future shows, please email us at askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. Advertisers: For more information on Haass Family Butcher Shop , give them a call at (302) 734-5447 or visit their store at 3997 Hazlettville Road in Dover ( https://www.haassmeats.com/ ). For more information on Sawyer Sanitation , give them a call at (302) 678-8240 and mention "Ask Ralph" to receive $5.00 off your service. For more information on Saggio Accounting+Plus , visit www.saggioaccounting.com or give them a call at (302) 659-6560 to schedule a consultation today.
S1 E6 · Thu, November 16, 2017
Getting Paid
One of the most important aspects of your small business is getting paid. On today's episode, Ralph outlines some steps to help manage and collect on you accounts receivable, ensure you have a steady cash flow and keep happy customers. If you have any questions or ideas for future shows, email us at askralph@askralph.com. Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.
S1 E5 · Tue, November 14, 2017
Small Business Tips
Opening your own business is often a tough and learn-as-you-go process. But, the more smart decisions you make early on, the better chance your company has for success. On today's show, Ralph discusses five tips for small businesses to help you grow and run your business more effectively. If you have any questions or ideas for future shows, email us at askralph@askralph.com. Like us on Facebook, follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.
S1 E4 · Thu, November 09, 2017
Part 2: Listener Questions
In part two of our FAQ series, Ralph answers more listener questions we received in time for our premiere week of shows. He discusses employer retirement plans, outlines the differences between employees and contractors, and when it is best to consult a professional tax preparer. If you have any questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralph.com.
S1 E3 · Tue, November 07, 2017
Part 1: Listener Questions
Ralph takes listener questions we received in time for our premiere week of shows. He discusses the best way to fill out a W4 form, implications of cashing out your retirement and what tax documents you need for the upcoming filing season. Look out for part two of our FAQ series this week! If you have any questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralph.com.
Bonus · Sat, November 04, 2017
Radio Broadcast: November 4, 2017
Today's first show aired on Saturday, November 4th, 2017 on WILM 1450 in Wilmington and WDOV 1410 in Dover, Delaware. On today's show, the host Ralph V. Estep Jr. introduces himself and his business, discusses what you can expect in future episode and answers some FAQs we have received in time for our first broadcast. If you have any questions or ideas for future shows, please email us at askralph@askralph.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. Advertisers: For more information on Haass Family Butcher Shop , give them a call at (302) 734-5447 or visit their store at 3997 Hazlettville Road in Dover ( https://www.haassmeats.com/ ). For more information on Sawyer Sanitation , give them a call at (302) 678-8240 and mention "Ask Ralph" to receive $5.00 off your service. For more information on Saggio Accounting+Plus , visit www.saggioaccounting.com or give them a call at (302) 659-6560 to schedule a consultation today.
Bonus · Fri, November 03, 2017
About Ralph
In this episode, the host of Ask Ralph, Ralph V. Estep Jr., introduces himself and his business, explains why he is doing a podcast and outlines what you can expect in future episodes. For more information about Ralph and the Ask Ralph Media, Inc. team Visit https://askralphmedia.com/ralph-v-estep%2C-jr-bio
S1 E1 · Wed, November 01, 2017
What to Do When You Receive a Notice from IRS?
If you get an unexpected letter from the Internal Revenue Service it can be quite a shock. If it isn't your refund check, then your pulse is probably rising. So what’s the first piece of advice? Don’t panic! The second piece of advice: Don’t ignore that notice! Ralph takes a closer look at dealing with notices received from the IRS on today's show.
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