Ask Ralph: Financially Confident Christian

Episodes

Nov. 21, 2025

Jealous or Grateful this Christmas?

Comparison is the thief of joy, and today we're diving deep into why that’s the case, especially as we roll into the holiday season. Jealous or Grateful this Christmas? We’re chatting about how scrolling through social media ...
Nov. 20, 2025

Are You Too Broke for Christmas or Too Blessed to Notice?

Are you feeling the financial pinch this holiday season? You're not alone! We kick things off by diving into some eye-popping stats about how most folks are stressing about money during Christmas. But don’t sweat it too much—...
Nov. 19, 2025

Why Do the Holidays Leave Me Feeling So Empty?

Holidays can be a real stress-fest, right? Like, did you know that 9 out of 10 Americans feel the holiday pressure? And it’s not just about the gifts and food; a whopping 40% say their stress levels skyrocket during this time...
Nov. 18, 2025

Are Your Holiday Traditions Creating Stress or Joy?

The holidays can be a total whirlwind, right? Are Your Holiday Traditions Creating Stress or Joy? We dive into how to chill out and swap out the chaos for some good ol’ meaningful traditions that won’t break the bank. A whopp...
Nov. 17, 2025

Is Your Generosity Driven by Guilt or God?

Ever feel like giving gifts is more stress than joy? Is Your Generosity Driven by Guilt or God? Well, you’re not alone—40% of Americans feel pressured when it comes to gifting, and that number shoots up to 60% for millennials...
Nov. 16, 2025

Are Holiday Credit Cards a Trap?

We’re diving into the nitty-gritty of credit card debt today. Are Holiday Credit Cards a Trap? Did you know about 42% of adults are rolling with credit card debt month after month? Yeah, that’s a hefty number, especially when...
Nov. 15, 2025

Do You Regret Your Holiday Spending?

Do You Regret Your Holiday Spending? January holiday regret is a real bummer, right? We dive into some eye-popping stats that show 36% of Americans are dealing with holiday debt, averaging around $1,181 this year. That’s up f...
Nov. 14, 2025

How Should You Handle Office Parties and Gift Swaps?

We’re diving into the holiday hustle and bustle today, tackling how to enjoy office parties without going broke or feeling like a total weirdo. You know how it is—between Secret Santas and festive get-togethers, the costs can...
Nov. 13, 2025

How Can We Teach Kids Contentment at Christmas?

We're diving into some heartwarming holiday vibes, and trust me, it's all about keeping it real this Christmas. How Can We Teach Kids Contentment at Christmas? We're kicking things off by chatting about how a whopping 73% of ...
Nov. 12, 2025

How Do I Avoid Holiday FOMO?

Today, we're diving into the wild world of marketing tricks that play on our emotions, especially that sneaky fear of missing out—FOMO, baby! You know those countdown timers and low stock alerts that make your heart race? Yea...
Nov. 11, 2025

How Can I Help Others Without Hurting Myself?

Today, we’re diving into a topic that hits home for a lot of us parents: how to be generous during the holidays without going broke. Ralph shares a listener's question about the struggle to balance giving with financial stabi...
Nov. 10, 2025

Am I Trapped in Emotional Spending?

Today, we’re diving into the wild world of emotional spending. Am I Trapped in Emotional Spending? Did you know that a whopping 63% of Americans have splurged on stuff just to feel better? Yeah, that’s right! We’re talking ab...
Nov. 9, 2025

How Can You Enjoy the Travel Season Without Breaking the Bank?

Traveling and hosting during the holidays can seriously mess with your wallet if you're not careful. How Can You Enjoy the Travel Season Without Breaking the Bank? We're diving into how to enjoy both without going broke. I’ll...
Nov. 8, 2025

How can I make Holiday Meals on a Budget?

Alright, let’s dive into this! So, if you’re worried about hosting a holiday feast without blowing your budget, we’ve got the scoop for you. I mean, who wants to be drowning in debt over turkey and pie, right? How can I make ...
Nov. 7, 2025

How do I manage Family Expectations and Holiday Pressures with Grace?

Feeling the heat from family gift expectations? You’re not alone! Today, we’re diving into how to set those much-needed boundaries without stirring the pot. Let's face it, the holidays can feel more like a financial tightrope...
Nov. 6, 2025

How do I avoid Holiday shopping traps?

Are you tired of that post-holiday credit card regret? Yeah, me too! This week, we're diving into how to shop smarter this holiday season without breaking the bank. We’ve all been there, right? The excitement of gift-giving m...
Nov. 5, 2025

Memories over Money: How to avoid holiday debt?

Let’s dive right in, folks! Memories over Money: How to avoid holiday debt? Today, we’re chatting about how to create unforgettable holiday memories without busting the bank. Seriously, it’s all about moments over money, ya k...
Nov. 4, 2025

What are some creative gifts for the Holidays?

We're diving into a super relatable topic today: how to give gifts without breaking the bank. Spoiler alert: you don’t need to spend a fortune for your gifts to mean something! We chat about how the best presents come straigh...
Nov. 3, 2025

What is a Holiday FUN FUND?

Alrighty, folks! Today we’re diving into the joy of the holiday season without letting our wallets take a hit. What is a Holiday FUN FUND? We got a listener’s burning question about how to enjoy all the festive shenanigans—li...
Nov. 2, 2025

How do we create a Christian holiday budget for gifts, food, and decor?

Holidays can really hit the wallet hard, and today we're diving into how to whip up a holiday budget that actually works. I’m talking about some eye-opening stats that show folks plan to spend over a grand on Christmas this y...
Nov. 1, 2025

Is a Debt-Free Holiday Season Actually Possible for Me?

Alright, let’s dive in! We’re kicking things off with a hot topic— Is a Debt-Free Holiday Season Actually Possible for Me? I mean, with all the spending pressure out there, it can feel like a tall order, right? But we’re here...
Oct. 31, 2025

Your Investing Checklist: Ready for Lifelong Wealth Building?

Feeling overwhelmed by investing? You’re definitely not alone—over half of investors are in the same boat, drowning in too many options and losing sleep over market uncertainties. In today’s chat, we’re diving into a super si...
Oct. 30, 2025

Building Your Investment Confidence: From Fear to Faith?

Fear is a major roadblock when it comes to investing, and trust me, you're not alone in feeling that way. A whopping 42% of folks in the U.S. admit that fear keeps them from taking the plunge into investing. But here's the de...
Oct. 29, 2025

What Investment Mistakes Should I Absolutely Avoid?

Today, we're diving into the nitty-gritty of investing mistakes we all want to avoid. What Investment Mistakes Should I Absolutely Avoid? We kick things off with a real talk about how fear can totally mess with our investment...