Episodes

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 b...

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 de...

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 w...

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 Hackm...

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 st...

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...

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?...

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...

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 ...

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 Ralp...

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 whe...

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 Ra...

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 c...

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...

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? ...

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 t...

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 ...

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 ri...

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 Ral...

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 whe...

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 stude...

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...

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...

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 yo...