Season 7
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...
May 4, 2025
LIVE SHOW REPLAY: What's the Most Powerful Financial Move When You Don't Know Where to Begin?
Feeling overwhelmed by finances and not even sure where to start? In this episode of Ask Ralph , Ralph and Craig revisit foundational faith-based steps from the series, The Joy of Living Below Your Means. They begin by tackli...
May 3, 2025
That Daily Coffee Habit?
Is your morning coffee costing you more than you realize? In this episode of Ask Ralph , we take a closer look at one of the most common daily spending habits—and why it matters for Christian stewardship. Ralph unpacks how sm...
May 2, 2025
Need It or Want It?
Ever feel like every purchase somehow turns into a “need”? In this episode of Ask Ralph , we tackle one of the biggest challenges in personal finance: learning to distinguish between true necessities and discretionary spendin...
May 1, 2025
Feeling Off Track Financially?
Ever feel like your money just isn’t lining up with your goals—or your faith? In this episode of Ask Ralph , Ralph speaks directly to those quiet, persistent feelings of being financially stuck. Whether it’s overspending, mis...
April 30, 2025
Could a Simple Shopping List Transform Your Grocery Budget?
Tired of grocery trips blowing up your budget? You’re not alone. In this episode of Ask Ralph , Ralph breaks down why the grocery store is one of the most financially challenging environments for many families—and how a detai...
April 29, 2025
Is Meal Planning the Key to Budget Success?
Ever found yourself staring into the fridge at 5 PM, stressed and unsure what to make for dinner—again? You’re not alone. In this episode of Ask Ralph , we dig into how that daily dinner panic often leads to overspending, was...
April 28, 2025
Is the Envelope System God’s Answer to Overspending?
Struggling to stick to your budget—especially in certain spending categories? In this episode of Ask Ralph , we explore a practical and surprisingly powerful solution for those areas that always seem to go over: the envelope ...
April 27, 2025
LIVE SHOW REPLAY Feeling Stuck by Financial Shame? Ready for Real Freedom?
Do you ever feel like your past financial mistakes define you? You’re not alone. In this episode of Ask Ralph , Ralph and co-guest Craig dive deep into the emotional and spiritual weight of financial shame—a burden that affec...
April 26, 2025
Is Your Budget a Tool or a Trap?
Does the word “budget” make you cringe a little? You’re not alone. In this episode of Ask Ralph , we tackle the emotional resistance many people feel toward budgeting—feelings of fear, shame, or overwhelm. Ralph explains why ...
April 25, 2025
Found the Leak Yet? Pinpointing Where Your Money Goes
Are you tracking your spending but still feeling overwhelmed? In this episode of Ask Ralph , we take the next step in building financial clarity. Ralph walks through how to analyze your tracked expenses—not just to collect da...
April 24, 2025
Where Does Your Money Actually Go?
Ever feel like your money disappears the moment it hits your bank account? In this episode of Ask Ralph , Ralph addresses the pain point so many face: that frustrating mystery of vanishing dollars. Whether it’s impulse buys, ...
April 23, 2025
What If One Habit Could Transform Your Finances Forever?
Is it possible that one small habit could completely shift your financial mindset? In this episode of Ask Ralph , we explore the often-overlooked, yet profoundly powerful impact of gratitude on our money. Gratitude might not ...
April 22, 2025
What If You Already Have Enough?
Do you ever feel like no matter how much you earn or save, it’s still not enough? In this episode of Ask Ralph , we explore how cultural pressures and constant comparison can fuel financial dissatisfaction—and why the Bible o...
April 21, 2025
Feeling Lost With Money? Start Here
Struggling to find clarity with your finances? In this episode of Ask Ralph , we’re addressing the emotional and spiritual weight of financial confusion—and why the first step forward isn’t a spreadsheet or budget, but prayer...
April 20, 2025
LIVE SHOW REPLAY - Are You Ready to Break Free from Financial Shackles?
Are you tired of feeling chained by your finances? In this episode of Ask Ralph , Ralph and Craig dive deep into the habits, mindsets, and spiritual principles that keep so many of us stuck in a cycle of financial stress. Fro...
April 19, 2025
Why Is Giving the Secret to Financial Breakthrough?
What if the path to financial peace doesn’t start with getting more, but with giving more? In today’s episode, we’re diving deep into a countercultural idea: that the breakthrough so many believers are praying for might actua...
April 18, 2025
How Can I Plan for Future Expenses and Avoid Financial Surprises?
Ever feel like you’re finally catching your financial breath—then boom, you see a future expense on the horizon, and it knocks the wind right out of you? In this episode of Ask Ralph , we’re talking about those big bills that...
April 17, 2025
Are Credit Cards Your Friend or Foe?
Are credit cards helping you—or quietly hurting your financial peace? In this episode, Ralph Estep Jr. tackles a deeply personal and practical question many Christians wrestle with: how should we think about credit cards? Fro...
April 16, 2025
Why Is an Emergency Fund Your Lifeline to Financial Peace?
What if one unexpected bill could knock everything off track? In this episode of Ask Ralph , Ralph Estep Jr. answers a listener’s heartfelt question: “What can I do when I feel like I’m always one emergency away from disaster...
April 15, 2025
How Can I Kick Impulse Buying to the Curb and Save Money?
Are impulse purchases derailing your financial goals? In this episode of Ask Ralph , Ralph Estep Jr. addresses one of the biggest traps keeping people stuck in the paycheck-to-paycheck cycle: impulse spending. Ralph unpacks w...
April 14, 2025
Why Is Budgeting Your Secret Weapon to Financial Freedom?
Are you feeling that paycheck-to-paycheck pressure? Yeah, we’ve been there. Today, Ralph Estep Jr. is keying in on how to break free from that cycle of financial stress and shame. He’s here to share a simple biblical strategy...
April 13, 2025
LIVE SHOW REPLAY - Ready to Thrive, Not Just Survive? Your Financial Breakthrough Starts Now!
Feeling trapped in the paycheck-to-paycheck cycle? You’re not alone, and today we’re diving deep into why many of us feel this way and how we can break free from the chains of financial shame and anxiety. Ralph Estep Jr. and ...
April 12, 2025
What Legacy Will You Leave? Can You Build Wealth That Matters?
What comes after financial freedom? When the debt is paid down, and you finally have breathing room, it’s time to ask a deeper question—what kind of legacy are you building? In this episode of Ask Ralph , we shift the focus f...