Episodes
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...
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 le...
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 com...
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 o...
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 explore...
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...
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...
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 ...
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 Est...
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 penalti...
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 mig...
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...
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 th...
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, ...
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 y...
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 Podca...
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 regar...
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 ...
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...
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 b...
June 9, 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 Po...
June 8, 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 ...
June 7, 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 ...
June 6, 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...