Ask Ralph: Financially Confident Christian

Episodes

Jan. 29, 2026

Is a Scarcity Mindset or an Abundance Mindset Running Your Wallet?

Ever feel like your money's got you in a chokehold? You're not alone, and today we’re diving into the whole deal of scarcity vs. abundance mindsets. Is a Scarcity Mindset or an Abundance Mindset Running Your Wallet? It’s wild...
Jan. 28, 2026

How Can You Trust God With What You Save—and What You Can’t?

Saving money is cool and all, but let’s be real—it's not the ultimate safety net. In today’s chat, we're diving into the nitty-gritty of how savings can’t always shield us from life’s curveballs. We’re breaking down how somet...
Jan. 27, 2026

How Can You Save for Big Goals Without Burning Out?

Big goals can seem all shiny and exciting at first, but let’s be real—they can turn into a marathon of patience. If you’ve ever felt like you’re running out of steam before reaching that down payment or dream vacation, you’re...
Jan. 26, 2026

Got a Minute? Help Me Make This Show Better! ✨

Today, I'm reaching out because I really wanna know if this show is hitting home for you. I’ve been doing this podcast for almost three years, and lately, I’ve been feeling like I’m talking to a wall sometimes—like, is anyone...
Jan. 26, 2026

How Can You Automate Your Savings—The Lazy Way to Build Wealth?

Ready to kick back and chat about saving money without the usual stress? Today, we’re diving into how to build wealth the lazy way—yep, you heard me right, lazy! We’re all about ditching the pressure and relying on a solid sy...
Jan. 25, 2026

Why Do Predictable Expenses Feel Like Emergencies?

Ever feel like a bill just crashed your party, even though you knew it was coming? Yeah, we’ve all been there. Why Do Predictable Expenses Feel Like Emergencies ? Today's chat is all about how to tackle those predictable expe...
Jan. 24, 2026

The Pay-Yourself-First Secret: How Do Savers Build Wealth?

Today, we're diving into a game-changer for your finances: paying yourself first. Seriously, what if saving was the first thing you did instead of an afterthought? We’ve all been there, spending our cash and hoping there’s so...
Jan. 23, 2026

Would a $1,000 Emergency Savings Fund Change Everything?

Ever had that heart-sinking moment when something breaks and you just know it's gonna cost a pretty penny? Yeah, we've all been there. Would a $1,000 Emergency Savings Fund Change Everything? Today, we’re diving into the wild...
Jan. 22, 2026

Why Does Saving Feel Impossible (and How to Finally Start)?

Saving money can feel like climbing a mountain while wearing roller skates, right? But today, we’re diving into why saving feels impossible and how we can start making it happen anyway. Why Does Saving Feel Impossible (and Ho...
Jan. 21, 2026

Can You Be Spiritually Free While Still in Debt?

Debt can feel like a heavy chain dragging you down, but it doesn’t have to own your peace. Can You Be Spiritually Free While Still in Debt? In today's chat, we dive deep into the idea of spiritual freedom, even when the bills...
Jan. 20, 2026

How Can You Crush Credit Card Debt Before It Crushes You?

Feeling weighed down by credit card debt? You’re not alone, and trust me, it doesn’t mean you’re weak—it just means you’re human. Today, we’re diving into how to crush that pesky credit card debt before it crushes you. We’ll ...
Jan. 19, 2026

Should I Ever Borrow Again? The Truth About “Good Debt”

Feeling torn about taking out a loan? You’re not alone, my friend. Today, we’re diving into the nitty-gritty of whether borrowing can ever be a smart move. We’re chatting about what good debt really is and how to use it wisel...
Jan. 18, 2026

How Do You Stay Motivated When Getting Out of Debt Feels So Slow?

Feeling bogged down by your debt payoff plan? You’re not alone, my friend! It’s super common to start feeling the grind after a while. We dive into how it’s totally normal to feel like progress has slowed and how that can mak...
Jan. 17, 2026

Which Debt Payoff Plan Will You Actually Stick With?

Feeling stuck in debt? You're definitely not alone. This episode dives deep into the frustrating world of debt management, shedding light on why so many folks get overwhelmed before they even kick things off. Instead of getti...
Jan. 16, 2026

Are the Debt Stories You’ve Been Told Actually True?

Debt doesn’t have to be your forever friend, and that’s the vibe we’re diving into today. Are the Debt Stories You’ve Been Told Actually True? We’re busting myths that make us feel like we’re trapped in a financial hamster wh...
Jan. 15, 2026

Why Does Debt Feel Like a Prison — And Is Freedom Really Possible?

Why Does Debt Feel Like a Prison — And Is Freedom Really Possible? Debt isn’t just a number on a piece of paper; it’s like that annoying friend who shows up uninvited and just won’t leave. We’re diving into why debt can feel ...
Jan. 14, 2026

Can You Trust God With Your Money When the Numbers Feel Tight?

Feeling that tightness in your chest when you check your bank app? Yeah, we’ve all been there. Today, we’re diving into the reality of juggling faith and finances—like, how do we trust God when the numbers are still glaring a...
Jan. 13, 2026

Why Do Small Budget Wins Matter More Than You Think?

Today, we're diving into why recognizing your small wins with money is a game changer. Seriously, when's the last time you patted yourself on the back for sticking to your budget or actually checking your bank app without bre...
Jan. 12, 2026

Why Do Budgets Keep Failing — Even When You Try So Hard

Why Do Budgets Keep Failing — Even When You Try So Hard? Budgeting can feel like a wild rollercoaster, right? One minute, you're feeling all pumped and ready to take on the world, and the next, you're staring at your bank acc...
Jan. 11, 2026

1,000 Reasons to Keep Growing Together

Can you believe it? We just hit the big 1,000 episodes! That’s right, 1,000 times we’ve dived into the wild world of faith and finance together. This milestone isn’t just about the number, though; it’s about you, the amazing ...
Jan. 11, 2026

Overspent Again? Adjust Without Shame.

Budgeting can feel like a rollercoaster—I know exactly what that’s like. One moment everything feels on track, and the next, an unexpected bill shows up and throws the whole plan off the rails. Here’s the truth I want you to ...
Jan. 10, 2026

Spending Out of Control? Start Here.

Ever felt like your budget just disappears into thin air? I know that frustration all too well. The reality is, budgets don’t fail because they’re broken—they fail because we stop tracking them, and that’s often where things ...
Jan. 9, 2026

Need a Budget That Works? Start Here.

Budgets are a lot like that well-meaning friend who somehow makes everything more complicated than it needs to be. In this episode, Need a Budget That Works? Start Here. We explore why budgeting doesn’t fail because we’re irr...
Jan. 8, 2026

Budget Anxiety? Here’s the Fix.

Budgeting doesn’t have to be a burden; in fact, it can be your pathway to real financial freedom. In this episode, “Budget Anxiety? Here’s the Fix,” I walk through why a budget is better understood as a roadmap to peace rathe...