Episodes
Dec. 12, 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...
Dec. 11, 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 help...
Dec. 10, 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 de...
Dec. 9, 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 to...
Dec. 8, 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 s...
Dec. 7, 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 share...
Dec. 6, 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 m...
Dec. 5, 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 out...
Dec. 4, 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...
Dec. 3, 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 fi...
Dec. 2, 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 specifi...
Dec. 1, 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 retirin...
Nov. 30, 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 w...
Nov. 29, 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 w...
Nov. 28, 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 ...
Nov. 27, 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 ...
Nov. 26, 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, explorin...
Nov. 25, 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 ...
Nov. 24, 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 tac...
Nov. 23, 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...
Nov. 22, 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 th...
Nov. 21, 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 p...
Nov. 20, 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 th...
Nov. 19, 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 ...