Episodes
May 27, 2025
How Can I Look at My Bank Account Without Panicking?
Does the thought of logging into your bank account make your stomach drop? You’re not alone. In this episode of Ask Ralph , Ralph speaks directly to those who feel overwhelmed by their finances, afraid to even look at the num...
May 26, 2025
Am I the Only One Losing Sleep Over Money?
In this opening episode of a brand-new series, Ralph tackles a topic that weighs heavy on so many hearts: financial anxiety and the silent battles we fight behind closed doors. Whether you're lying awake at night worrying abo...
May 25, 2025
LIVE SHOW REPLAY: Is That Brand Name Really Worth It?
Joined again by his good friend Craig, Ralph dives into practical money-saving strategies that go beyond surface-level tips. From rethinking the urge to always buy new, to confronting debt, to starting your first emergency fu...
May 24, 2025
Struggling on Your Financial Journey? How About Progress Over Perfection?
In this final installment of the Joy of Living Below Your Means series, Ralph brings an encouraging word to those who may be feeling worn out, discouraged, or tempted to give up after slipping on their financial goals. He rem...
May 23, 2025
Are Hidden 'Idols' Affecting Your Finances?
Most of us know we should budget, save, or spend with intention—but what if the real battle isn’t in our bank account, but in our hearts? In this powerful episode of Ask Ralph , we move beyond surface-level financial advice a...
May 22, 2025
Welcome to Financially Confident Christian
Have you ever felt like your faith is strong… but your finances are a mess? You're not alone—and you're exactly who this podcast is for. I’m Ralph Estep Jr., a licensed accountant, business coach, and fellow believer. For ove...
May 22, 2025
Beyond the Goal: What's Your Deeper 'Why'?
In this episode of Ask Ralph , we explore the powerful connection between faith and finances—and why it’s about so much more than numbers on a spreadsheet. Ralph challenges the idea of simply applying Christian labels to secu...
May 21, 2025
What's Your Specific Financial Goal Right Now?
Tired of feeling like you're doing all the right financial things but still not seeing results? In this episode of Ask Ralph , Ralph zeroes in on a key reason so many people lose momentum on their financial journey: a lack of...
May 20, 2025
Could You Be Overpaying for Insurance?
When was the last time you actually reviewed your insurance policies? In this episode of Ask Ralph , Ralph encourages listeners to stop letting automatic payments and brand loyalty lead to wasted money. From car insurance to ...
May 19, 2025
Want to Save Consistently? Why Not Automate It?
Ever plan to save money—but somehow never follow through? You’re not alone. In this episode of Ask Ralph , Ralph unpacks why great intentions often fall apart when life gets busy, bills pile up, and willpower fades. But there...
May 18, 2025
LIVE SHOW REPLAY Are You Truly Living Below Your Means or Just Barely Getting By?
Ever feel like you’re doing all the “right” financial things but still falling short? In this special live episode of Ask Ralph , Ralph and Craig unpack six powerful, everyday habits that faithful stewards can use to find mor...
May 17, 2025
How Can You Stop Small Emergencies From Derailing Debt Payoff?
You’re finally making progress on your debt—and then life happens. A flat tire. A broken appliance. A surprise medical bill. In this episode of Ask Ralph , Ralph shares a powerful and practical strategy to keep small emergenc...
May 16, 2025
Need Debt Payoff Motivation? Can $20 Make a Difference?
Feeling overwhelmed by your debt total? You’re not alone. In this episode of Ask Ralph , Ralph shares the surprising power of small steps—specifically, how making a single $20 payment toward your smallest debt can break throu...
May 15, 2025
Trying to Pay Off Debt? Should You Stop Using Credit Cards?
Debt isn’t just numbers—it’s emotional, spiritual, and heavy. In this episode of Ask Ralph , Ralph kicks off a new focus in the Joy of Living Below Your Means series by tackling the first, most courageous step toward financia...
May 14, 2025
Ready to Face Your Debt? Where Do You Start?
Still using credit cards while trying to pay them off? You’re not alone—and you’re not broken. In this episode of Ask Ralph , Ralph gets honest about the cycle so many of us find ourselves in: making a payment on our debt, on...
May 13, 2025
Could Switching Brands Save You Money?
Do you grab the same brand-name items every time you shop—without question? In this episode of Ask Ralph , Ralph breaks down the psychology behind brand loyalty and why it might be quietly sabotaging your budget. From pantry ...
May 12, 2025
Need Something? Should You Borrow or Barter Before Buying?
When you need something, is your first instinct to buy it? In this episode of Ask Ralph , Ralph explores the heart of biblical stewardship through three practical options: borrowing, bartering, and buying. Whether it’s a powe...
May 11, 2025
LIVE SHOW REPLAY - Are Your Spending Habits Aligned With Your Values This Week?
Do your money habits reflect what matters most? In this episode of Ask Ralph , Ralph and Craig revisit key takeaways from recent episodes on budgeting, meal planning, impulse spending, and more, all rooted in the challenge to...
May 10, 2025
Can You Intentionally Lower One Utility Bill This Month?
Feeling powerless when the utility bills roll in each month? You’re not alone. In this episode of Ask Ralph , Ralph shares a fresh, faith-filled approach to managing these unavoidable expenses. Rather than trying to overhaul ...
May 9, 2025
Could You Save Money by Shopping Your House First?
Ever rush to the store for something, only to realize you already had something like it at home? In this episode of Ask Ralph , Ralph challenges the impulse to buy something new before checking what God has already provided. ...
May 8, 2025
Need Weekend Fun That Doesn't Break the Bank?
Does your weekend bring more budget anxiety than joy? In this episode of Ask Ralph , Ralph offers a refreshing reminder: you don’t need to spend big to experience meaningful rest and connection. From outdoor adventures to cre...
May 7, 2025
Want to Stop Impulse Buys? Try This Rule!
Ever bought something on a whim—only to regret it later? You’re not alone. In this episode of Ask Ralph , Ralph breaks down the psychology behind impulse spending and introduces a faith-filled, practical tool to help you paus...
May 6, 2025
Are Unused Subscriptions Draining Your Budget?
In this episode of Ask Ralph , we’re zeroing in on a sneaky budget buster: recurring charges for services you’re no longer using. From streaming platforms and fitness apps to forgotten free trials that quietly turned into mon...
May 5, 2025
Is Buying Lunch Draining Your Wallet?
Think a quick lunch out is no big deal? Think again. In this episode of Ask Ralph , Ralph breaks down how small, convenient choices—like buying lunch every day—can quietly erode your financial goals. He explores the hidden co...