Ask Ralph - Christian Finance

Ralph Estep Jr. and Dr. Craig Van Slyke dive into the world of biblical financial wisdom, tackling the heavy stuff like financial shame and anxiety. The main point? Wealth isn’t the enemy, but our relationship with money can seriously mess with our spiritual health. So, if you’ve ever felt weighed down by your wallet or anxious about your bank balance, you'll be interested to know what the Bible Says About Wealth! Read today's blog article Check out the full podcast episode here Ralph Estep Jr. and Dr. Craig Van Slyke dive into a thought-provoking discussion on biblical financial wisdom, addressing the often misunderstood relationship between wealth and spirituality. They challenge common perceptions, such as the belief that money is inherently evil or that wealth is a sign of divine favor. Instead, they explore 11 surprising truths from the Bible about wealth, emphasizing that money itself isn't the issue, but rather our attachment to it and how we choose to manage it. From the dangers of wealth to the blessings that it can bring when viewed through a faithful lens, the episode encourages listeners to reflect on their financial habits and consider how their faith influences their approach to money. Chapters: Takeaways: Resources https://askralph.com/Live Well and FlourishAi Goes to College LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST Please share our Podcast with all your friends and family! Submit your questions...

Are you tossing and turning at night, fretting over your finances? You’re not alone! Today, Ralph Estep Jr. dives into the heavy topic of trusting God with our money. He’s here to remind us that financial peace is possible, even when it feels like the bills are piling up! Ralph emphasizes that understanding God’s ownership of everything we have is the first step toward releasing that financial anxiety. So, if you’re ready to shift your perspective, find purpose in your finances, and take actionable steps rooted in faith, stick around and reflect on whether you've been able to Trust God with Your Finances Read today's blog article Check out the full podcast episode here In this episode of 'Ask Ralph,' financial evangelist Ralph Estep Jr. addresses the common struggle of trusting God with finances amidst economic uncertainties. Ralph emphasizes the importance of understanding that God owns everything, which shifts perspective from financial anxiety to trust in divine provision. He provides practical steps: prioritizing prayer, embracing tithing, and shifting one's mindset from worry to faith. Using biblical references and personal anecdotes, Ralph offers a foundation for financial peace by advocating for active stewardship and contentment with God's provision. Chapters: Takeaways: LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST Please share our Podcast with all your friends and family! Submit your questions or ideas for future shows - email us at ralph@askralph.com or leave a voicemail message on our podcast page

Are you tired of that knot in your stomach every time you think about your finances? Trust me, you’re not alone! Today, we’re diving into how to stop worrying about money and start living with peace. We’ll explore creating a financial plan that aligns with your faith and helps you manage God’s blessings like a pro! Imagine stepping away from that paycheck-to-paycheck grind and finding true financial freedom. So, if you’re ready to swap anxiety for peace, grab your headphones and tune in! Read today's blog article Check out the full podcast episode here Imagine living without the relentless stress of financial chaos. Ralph Estep Jr. expertly tackles the feelings of inadequacy that often accompany financial struggles in this episode. He recognizes that many of us feel trapped by debt and the pressures of living paycheck to paycheck. With relatable anecdotes and biblical wisdom, Ralph lays out a roadmap for breaking free from these chains. He discusses the importance of having a financial plan rooted in God’s principles, encouraging listeners to shift their mindset from one of scarcity to one of stewardship. With actionable tips on budgeting and prioritizing giving, this episode is a lifeline for anyone feeling overwhelmed by their finances. Join Ralph as he inspires us to take those first steps toward freedom and stability. Chapters: Takeaways: LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST Please share our Podcast with all your friends and family! Submit your questions or ideas for future shows - email us at

Feeling the pinch at the end of the month? You’re not alone! Many of us experience that dreaded financial anxiety, staring at our almost-empty bank accounts and wondering how we’re going to make it through until the next paycheck. Today, we’re diving into an empowering conversation about breaking free from the paycheck-to-paycheck trap. Ralph Estep Jr. shares practical tips and insights rooted in faith, helping us shift our perspective on money management. The core idea? God owns it all! By understanding our role as stewards of His resources, we can start to manage our finances in a way that honors Him and leads to a more secure future. So, get ready to learn what to do if you are living paycheck to paycheck! Read today's blog article Check out the full podcast episode here Let’s unravel that feeling of financial despair together! Ralph emphasizes that it’s not just about how much money you make, but how you manage what you have. We explore actionable steps, starting with the importance of creating a God-honoring budget. Think of it as your financial roadmap, guiding you through the sometimes murky waters of spending and saving. By tracking your income and expenses, you’ll gain clarity on your financial habits, allowing you to make intentional choices that align with your values and goals. Plus, Ralph encourages us to prioritize saving, even if it’s just a small amount. Every little bit counts, and establishing a saving habit can create a buffer for those unexpected expenses that life throws our way. Chapters: Takeaways: LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST Please share our Podcast with all your friends and family! Submit your questions or ideas for future shows - email us...

Feeling overwhelmed by your finances? You’re definitely not alone, and today, we're diving into how we can rebuild that confidence with our money. Ralph's unpacking seven daily steps that blend financial savvy with faith, helping us align our resources with God’s purpose. This isn’t just about crunching numbers; it’s about trust and taking action, one small step at a time. So, whether you're drowning in debt or just feeling a little lost, we’ve got practical tips and encouraging insights to get you back on track and rebuild your Confidence With Money! Read today's blog article Check out the full podcast episode here Feeling overwhelmed by finances? You’re definitely not alone! With seven super actionable daily steps, Ralph shows us how to take back control of our money while keeping our faith in focus. From starting your day with prayer to tracking every single penny—and even saving a little bit each day—these steps are not just about numbers but about aligning our wallets with our values. Plus, we hear stories from past clients who found transformative power in faith and consistent action. This episode is a treasure trove of wisdom and practical advice that makes finances feel a whole lot less scary and a whole lot more manageable! Chapters: Takeaways: Mentioned in this episode: Inuit MintYNABEvery Dollar AcornsChime LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES"

Imagine waking up, and your car just won't start. Yikes, right? Today, we're diving into the wild world of emergency funds and why they’re more important than your morning Starbucks coffee. In this episode, we dive headfirst into the chaos of unexpected expenses. You know, the kind that makes your heart race and your wallet scream. But worry not! I’ve got five super simple and faith-driven tips to help get you on the path to creating that safety net. By the end of our chat, you’ll be feeling all kinds of empowered to take that first step toward financial security. So, let’s roll up our sleeves and get to it! What’s Stopping You From Starting an Emergency Fund? Read today's blog article Check out the full podcast episode here In this episode, we tackle the angst of living paycheck to paycheck and how it feels like you're in an endless loop of financial despair. Ralph shares five essential steps that’ll help you start saving, even if it feels like you're starting from scratch. He’s not just throwing fancy jargon at you; he’s sharing real-life stories of folks like Brett, who went from drowning in debt to building a solid emergency fund. We’ll touch on budgeting, the power of automation, and why celebrating little victories matters. With real-life examples, you’ll see how even small steps can lead to big changes. Trust me, by the end, you'll have the tools you need to create a financial cushion that can weather any storm life throws your way. Chapters: Takeaways: LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST Please share our Podcast with all your friends and family! Submit your questions or ideas for future shows - email us at ralph@askralph.com or leave a voicemail message on our podcast page...

Ralph Estep Jr. dives right into the deep end today, tackling the massive wave of a $200,000 IRS debt that’s crashing down on a family. It’s a stressful situation, especially for the mom who’s completely in the dark about the financial mess her partner created. But don’t worry; Ralph’s here to dish out the life-saving tips on how to navigate this storm with style and grace. We chat about innocent spouse relief and the steps you can take to protect your loved ones from financial ruin. By the end of our chat, you'll be armed with practical advice and strategies to save Mom from Dad’s $200,000 IRS nightmare. Read today's blog article Check out the full podcast episode here In this episode, listener Donald reaches out for help to save his mom from his dad’s financial disaster, and Ralph jumps in with a powerful message: there’s always a way out! He breaks down the innocent spouse relief process, which is a lifeline for individuals who are caught in the financial chaos of their partners' mistakes. With a mix of heartfelt stories and practical advice, Ralph shares how to gather evidence and navigate the IRS system. He shares a compelling story about a client named Susan, who faced a similar ordeal, highlighting the importance of gathering documentation and getting professional help. Ralph also touches on the emotional aspects of getting involved in family financial issues, emphasizing the need for open communication and setting boundaries to protect your own well-being. By the episode’s conclusion, listeners will be armed with knowledge and a sense of hope, ready to tackle their financial challenges head-on. Chapters: Takeaways: LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW

Are you stuck in the daily grind and feeling like your paycheck is just a ticket to nowhere? Well, buckle up, because Ralph Estep Jr. is here to help us flip that script! Today, we’re diving deep into how to turn that paycheck into a powerful tool. We’ll explore aligning your work and finances with your faith so you can finally find that peace and fulfillment you’ve been craving and turn your Paycheck Into Purpose! Read today's blog article Check out the full podcast episode here Ralph Estep Jr. is on a mission to help us break the cycle of financial shame and find purpose in our paychecks. Is your job leaving you feeling empty? Ralph digs into this universal struggle, sharing personal anecdotes and insightful lessons on how to transform that paycheck into a powerful tool for God’s purpose. Through the lens of faith, he helps us see our work as not just a means to an end, but as a calling. Listeners are treated to a mix of biblical wisdom, practical financial tips, and heartwarming stories that highlight the journey from despair to empowerment. Ralph illustrates how aligning our financial decisions with our values can lead to greater peace and fulfillment. So, if you've ever felt like you’re just going through the motions at work, tune in! Ralph’s insights might just inspire you to view your paycheck in a whole new light. Chapters: Takeaways: LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST Please share our Podcast with all your friends and family! Submit your questions or ideas for future shows - email us at ralph@askralph.com or leave a voicemail message on our podcast...

Are your adult children still crashing at home? Well, you’re definitely not alone! Today, we’re diving into a listener's heartfelt question about the tricky situation of supporting grown kids who just won’t leave the nest. We’ll dish out some down-to-earth advice, sprinkle in a bit of biblical wisdom, and share some real-life success stories to help you tackle this dilemma head-on. We’re talking about the hidden costs of keeping them around, setting those all-important financial boundaries, and even addressing some of that sibling rivalry that might be brewing. So, if you've ever wondered who pays the bills if your kids won't fly the coop, this one is for you. Read today's blog article Check out the full podcast episode The struggle is real! Supporting adult children who still live at home can be a major financial strain for parents, and today we tackle just that. With real-life stories and biblical insights, we explore why your kids might be lingering longer in the nest. Is it student debt? A tough job market? Or is it just too comfy at home? We dig into the numbers—like how $227,000 can vanish from your retirement savings because of this! But don’t worry; we’ve got your back with practical strategies to set boundaries and encourage your adult children to step out on their own. Whether it’s tracking expenses or considering charging a bit of rent, we cover it all while keeping it light-hearted and relatable. You’re not alone in this, and we’re here to help you find that balance between love and responsibility! Podcast Timestamps: Takeaways: LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW

Feeling the IRS pressure? You're definitely not alone! Today, Ralph Estep Jr. dives into the nitty-gritty of what to do when you can’t pay Uncle Sam. We’re laying down four simple strategies to help you dodge those pesky penalties and regain your financial footing. By the end of our chat, you’ll be packing away that stress and stepping into the light of confidence by learning 4 strategies to avoid major IRS penalties. Read today's blog article Check out the full podcast episode here Ever felt that heart-stopping moment when you realize you owe the IRS more than you can handle? Well, fear not! Ralph Estep Jr. is back to guide us through the stormy seas of tax debt. This episode is all about tackling that elephant in the room: what do you do when the IRS comes knocking with their hefty price tag? Ralph doesn’t just throw a lifeline; he dives right into the water, providing us with actionable strategies to keep us afloat. He emphasizes the golden rule: file on time, even if you can’t pay. This simple act can save you from a world of hurt when it comes to penalties. Ralph shares stories that resonate, like that of Hector, who felt buried under his tax bill. But with Ralph’s guidance, Hector found a way to communicate with the IRS and set up a manageable payment plan. Throughout the episode, Ralph encourages us to take proactive steps, explore payment solutions, and even seek penalty relief. His mastery of the subject shines through as he breaks down complex concepts into bite-sized pieces, making tax talk feel less like a chore and more like a team effort. By the end of the show, listeners are not just armed with knowledge but are also encouraged to take action and reclaim their financial peace of mind. Let’s turn that tax frown upside down! Chapters: Takeaways: LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST Please share our Podcast with all your...

Today, we’re diving into the not-so-golden side of retirement. Spoiler alert: it’s not just about kicking back with a cold drink and enjoying endless naps. We’re chatting about five crucial things that tend to vanish when you retire, like your structured routine, sense of identity, and social circles. Trust me, these changes can hit you like a ton of bricks if you're not ready for them. But don’t sweat it—we’re here to help you navigate these transitions with some handy tips and a sprinkle of faith. By the end of this episode, you’ll be armed with a game plan to address those important things that disappear when you retire! Read today's blog article Check out the full podcast episode here Retirement is more than just a transition; it’s a transformation! Ralph Estep Jr. takes us on a journey through the five significant shifts that happen when you retire. He discusses how the absence of a structured routine, a change in identity, and shifts in social circles can really shake things up. But it's not all doom and gloom! Ralph provides actionable strategies to help ease the transition, encouraging listeners to embrace new roles, seek community involvement, and redefine their purpose. Ralph reminds us that retirement is just another season in life, filled with opportunities to serve others and grow in faith. So tune in, because this episode is packed with gems that will inspire you to make your retirement truly remarkable! Chapters: 00:06 - Understanding the True Facets of Retirement 03:36 - Navigating the Transition to Retirement 12:41 - Navigating Changes in Retirement 23:12 - Navigating Retirement: Finding Purpose and Structure 26:04 - Navigating Retirement: Planning for Purposeful Living Takeaways: LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST Please share our Podcast with all your friends and...

Struggling to budget because your paycheck feels like a game of roulette? You’re not alone, and I’m here to help! Today, I’m diving into seven super practical tips to help you manage your finances, especially when the income rollercoaster has you feeling like you’re on a wild ride. We’ll explore how to create a budget that works for you, even when your income decides to play hard to get. By the end, you’ll be armed with the tools to tackle those financial waves with confidence and maybe even a little swagger. So, grab your favorite drink, kick back, and let’s get this financial party started and learn what to do if your paychecks are unpredictable. Read today's blog article Check out the full podcast episode here Financial management can be a wild rollercoaster ride, especially when your paycheck looks like a game of hopscotch—one month you're flying high, and the next, you’re down in the dumps. Ralph Estep Jr. dives right into this financial conundrum, sharing some golden nuggets of wisdom for those of us who feel like we're walking a tightrope between payday and poverty. With a promise to empower you by the end of the episode, Ralph lays out seven practical tips to help you budget like a pro, even when your income is as unpredictable as the weather in spring. Chapters: From establishing a solid foundation rooted in faith to tracking your financial flow with precision, Ralph’s approach is refreshingly down-to-earth. He emphasizes the importance of distinguishing between needs and wants, teaching us that while splurging in good months might feel like a win, it can leave us scrambling during leaner times. By sharing relatable stories, like that of Fiona, a freelance designer who learned to navigate her fluctuating income, Ralph illustrates that with the right strategies, financial peace isn't just a pipe dream—it’s totally achievable. Ralph encourages us to build an emergency fund—what he calls our financial ‘ark’—to shield us from unexpected storms. He also stresses the significance of preparing for the seasons of financial flux, helping us establish a sinking fund for those big expenses that often creep up on us faster than we expect. In a nutshell, this episode is about taking control of your finances, aligning your spending with your values, and finding that sweet spot of financial confidence. If you’ve ever felt like you’re drowning in uncertainty, Ralph’s insights might just be the life raft you need. Takeaways: LISTEN NOW

Cheap tax and accounting advice might sound like a sweet deal, but it can turn into a financial trap faster than you can say "audit." Today, we're diving into why investing in good guidance is like putting on a financial superhero cape—totally worth it! We’ll chat about the hidden costs of free advice and how those seemingly harmless shortcuts can lead to expensive mistakes. Plus, I'm here to give you some solid steps to break free from the chaos of tax confusion. Stick around because by the end of this episode, you’ll be ready to tackle your finances with way more confidence—and maybe a little less stress! Is cheap advice really worth it in the long run? Read today's blog article Check out the full podcast episode here Struggling with taxes? You’re not alone, and today’s show is all about helping you break free from the confusion! Ralph Estep Jr., our financial evangelist, dives deep into why cheap tax advice can often end up costing you more than you bargained for. He tackles the emotional and financial toll that comes with relying on free online resources, sharing relatable stories that will make you nod in recognition. Ralph discusses real-life scenarios where people thought they were saving money, only to find themselves buried in penalties and stress. With a mix of humor and hard-hitting truths, he outlines the benefits of seeking professional advice, from personalized strategies to proactive planning. It’s not just about avoiding mistakes; it’s about maximizing your financial potential and achieving those long-term goals. By the end of this episode, you'll be ready to take the leap towards investing in quality tax guidance and steering clear of the chaos of cheap advice. Tune in, and let’s turn your financial fears into confidence! Takeaways: Chapters: Companies mentioned in this episode: Links referenced in this episode: http://askralphpodcast.com/newsletterhttps://www.askralphpodcast.com/blog/https://askralphpodcast.com/support

Feeling overwhelmed by the IRS? You’re not alone, and today, we're diving into a lifeline that could turn your tax troubles around—the Taxpayers Advocate Service (TAS). This episode is all about how TAS can help you navigate the confusing tax maze and get the fair treatment you deserve. We’ll break down what TAS does, how they can step in when you feel like you're hitting a wall with traditional IRS channels, and the concrete steps you can take to ease that tax stress. So, if you've ever felt like your tax problems are just being swept under the rug, stick around! We're here to help you find some clarity and hope in this taxing situation by using the taxpayer advocate service. Read today's blog article Check out the full podcast episode here We dive into the Taxpayer Advocate Service (TAS) and how they can be your superhero in the tax world today. Picture this: you’ve tried calling the IRS, sent documents, and still feel like you’re screaming into the void. TAS is here to swoop in and save the day. They are the friendly folks at the IRS who actually care about taxpayers like you and want to help make sense of the chaos. We’ll explore the ins and outs of how TAS operates, the specific situations they can assist with, and why knowing about this service can transform your tax stress into relief. Whether you're stuck in a paperwork maze or just need some clarity on tax notices that look like they were written in a different language, TAS is your go-to. So, sit back, relax, and let’s uncover how this service can be your guiding light in the stormy seas of tax season! Takeaways: Links referenced in this episode: https://www.askralphpodcast.com/blog/https://askralphpodcast.com/supportAsk Ralph Insiders Community https://mailchi.mp/askralph.com/groupAsk Ralph Show Live https://askralphpodcast.com/liveWhat is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/ Join our email list and get a free copy of...

Feeling crushed by money woes? You're definitely not alone! In today’s chat, we're diving deep into how to keep your faith strong even when your finances feel like they’re pulling a fast one on you. We’ve got some real talk on practical steps to navigate those tough times while leaning on God. Plus, we’re sharing inspiring stories of those who’ve found their way through the storm and come out stronger on the other side by having faith during difficult times. Read today's blog article Check out the full podcast episode here Financial stress can feel like an uninvited guest that just won't leave, right? We’ve all been there—nights spent tossing and turning, worrying about bills, jobs, and that ever-elusive dream of financial freedom. In today’s chat, we dive into the deep end of maintaining faith during tough economic times. We’re not just talking about putting on a brave face; we’re getting real about how a solid relationship with God can help us navigate these choppy waters. By the end of this episode, you’ll have some concrete steps to not only manage your finances but to do so with a heart full of hope and trust in God’s provision. So grab a snack, kick back, and let’s uncover the light at the end of the financial tunnel together! Podcast Timestamps: 00:17 - Finding Hope Amidst Struggles 03:03 - Finding Hope in Financial Hardship 08:45 - Overcoming Financial Struggles Through Faith 18:09 - Finding Hope and Resilience in Faith 19:20 - Navigating Financial Challenges with Faith Takeaways: Links referenced in this episode: https://www.askralphpodcast.com/blog/https://askralphpodcast.com/supporthttps://mailchi.mp/askralph.com/grouphttps://askralphpodcast.com/live https://justaskralph.com/ https://askralph.com/ LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION)

Are you feeling weighed down by debt or worried about your parents' finances? Well, you’re in good company! Today, we’re diving into these heavy topics with some real talk and a sprinkle of humor. We’ll tackle the struggles of feeling judged for renting instead of owning and how to navigate the tricky waters of financial responsibility for loved ones. Plus, we’ve got our awesome co-host Craig Van Slyke joining the fun, sharing his insights from the world of academia and beyond. So, grab your headphones and get ready for some practical tips that'll hopefully lighten your financial load! Read today's blog article Check out the full podcast episode here Have you ever felt like your financial situation is a never-ending spiral of doom? Well, you're not alone! In this episode, we dive headfirst into the murky waters of money troubles, touching on the real struggles of debt, renting vs. owning, and the financial safety of our aging parents. With our special guest Craig Van Slyke, who just relaunched his own podcast, we explore the emotional weight of financial stress and share some practical tips that are almost as good as finding a twenty-dollar bill in your old jeans. We start off with a listener who's feeling the pinch of debt and even considering bankruptcy. Together, we unpack that shame and guilt, offering biblical wisdom and a whole lot of understanding. Here’s the kicker: You don’t have to face this struggle solo! By sharing your burdens with trusted friends or even talking to a financial advisor, you can find a way out of the darkness. As we keep it light and fun, we sprinkle in some humor (because who doesn’t love a good laugh about money troubles?), and remind everyone that God’s grace can guide you through the toughest financial times. So grab your favorite snack, kick back, and let’s tackle these questions with a smile! Takeaways: Chapters: Links referenced in this episode: livewellandflourish.comaigostocollege.comhttps://www.askralphpodcast.com/blog/

Are you tired of feeling like your wallet is always on a diet? Well, today we're diving into the sneaky banking habits that might be silently draining your finances faster than you can say "overdraft fee." From those pesky ATM charges to the art of neglecting budgets, we’re shining a light on what’s really making your bank account feel like a desert. By the end of this episode, I promise you'll walk away with some solid steps to regain control and align your spending with good ol' Christian principles. So, grab your favorite drink, kick back, and let’s get ready to tackle those financial gremlins together—starting with Common Banking Habits Draining Your Wallet. Read today's blog article Check out the full podcast episode here Feeling like your wallet is always empty? You’re not alone! In this episode, we dive into the sneaky banking habits that could be draining your finances-from the dreaded ATM charges to neglecting budgets, these sneaky little buggers can pile up and leave you feeling stressed and overwhelmed. We share personal stories, like Jeffrey's, who learned the hard way about the impact of small, seemingly insignificant habits. Spoiler alert: once he started tracking his spending and budgeting, he turned his financial life around! By the end of this episode, you’ll have actionable tips to kick those bad habits to the curb and align your spending with good old Christian principles. So grab your notepad; it’s time to take control! Podcast Timestamps: 00:00 Episode Overview 02:51 Listener's Question: Identifying Financial Struggles 04:32 If You Have A Question You'd Like Answered, Head Over To https://justaskralph.com/ 04:52 Bible Verse: Luke 16:10-12 05:35 Today’s Gratitude Statement 06:14 Client Story: Overcoming Financial Challenges 10:00 Common Banking Habits Draining Your Wallet 10:04 Habit 1: Overdraft Fees 13:00 Habit 2: ATM Fees 15:19 Habit 3: Not Taking Advantage of Discounts and Offers 19:44 Habit 4: Neglecting to Budget and Track Expenses 23:12 Habit 5: Ignoring Small Expenses 27:02 Ask Ralph Show Live https://askralphpodcast.com/live 28:13 Habit 6: Complacency and Sloppy Banking Practices 31:35 Join the Ask Ralph Newsletter http://askralphpodcast.com/newsletter for Daily Encouragement & Financial Tips! 33:08 Reflection Questions 34:39 Key Takeaways From This Episode 35:37 Closing Takeaways: Links referenced in this episode: http://askralphpodcast.com/newsletter

Are you feeling like a deer in headlights when it comes to buying a car? Don’t worry, we’ve got your back! Today, we’re diving into the sneaky "four square method" that car dealers love to use to keep you confused and feeling outfoxed. Trust me, this tactic is designed to make you focus on those monthly payments while they pull a fast one on the other numbers. But by the end of this episode, you'll be armed with some savvy tips to dodge those traps and snag a fair deal. So, buckle up and let’s hit the road to car-buying wisdom together as we break down the ins and outs of the 4-Square Method! Read today's blog article Check out the full podcast episode here Navigating the car buying jungle can feel like you're walking into a den of wolves, right? One minute you think you’ve found the perfect ride, and the next you’re tangled in a web of confusing numbers and slick sales tactics. So, let’s talk about this sneaky little trick called the four square method. It’s a classic car dealer move that’s designed to keep you focused on the monthly payment while they play a game of number shuffle behind the scenes. In this episode, Michael reached out after feeling like he’s been outsmarted at the dealership, and we’re here to help him—and you—navigate through this financial maze. You’ll learn how to see through the smoke and mirrors, focus on the total cost of the car, and avoid getting locked into a bad deal. By the end, you’ll be a car-buying ninja, ready to take on any dealer who tries to pull a fast one on you. Tune in and take charge of your next car purchase! Podcast Timestamps: 00:00 Episode Overview 02:22 Listener's Question: Michael's Car Buying Struggle 03:52 If You Have A Question You'd Like Answered, Head Over To https://justaskralph.com/ 04:12 Biblical Verse - Proverbs 14:15 06:03 Breaking Down the Four Square Method 07:02 Beverly's Overwhelming Car-Buying Experience 08:32 Tips to Avoid Being Tricked by Car Dealers 23:17 Join the Ask Ralph Newsletter http://askralphpodcast.com/newsletter for Daily Encouragement & Financial Tips! 24:42 Visit https://www.askralphpodcast.com/blog/ for Free Financial Resources 24:53 Reflection Questions 26:39 Closing Takeaways: Links referenced in this episode: http://askralphpodcast.com/newsletterhttps://www.askralphpodcast.com/blog/https://askralphpodcast.com/support

Ever felt like your credit card is this sneaky little gremlin in your wallet, whispering sweet nothings while it drains your bank account? Today, we’re diving into the true cost of credit card debt and how it could be secretly sabotaging your financial future. If you’re feeling trapped in a storm of plastic and interest rates, stick around! By the end of this episode, I promise you’ll have some practical steps to break free and find financial peace. We’ll talk about hidden fees, credit scores, and how to manage your debt the good ol' way—God’s way. So, grab your favorite snack, kick back, and let’s tackle this together! Is your credit card costing you more than you think? Let’s find out. Read today's blog article Check out the full podcast episode Got credit card debt nipping at your heels? You’re not alone! This episode dives deep into the sneaky ways credit cards can mess with your finances. Picture this: it’s like having a tiny voice in your wallet, whispering sweet nothings about instant gratification while secretly draining your bank account. Ralph Estep Jr. breaks down the real cost of credit card debt—it's not just about the numbers, it’s a whole emotional rollercoaster. From hidden fees to credit scores, we cover all the bases, ensuring you leave with practical steps to reclaim your financial peace. If you’re feeling overwhelmed like our listener Cora, who shared her struggle with anxiety and debt, tune in to discover that there’s hope. We’ll explore how to manage your credit card debt in a way that aligns with your values and faith. Buckle up; it’s going to be an eye-opening ride! Podcast Timestamps: 00:00 Episode Overview 02:47 Listener's Question: Cora's Struggle with Credit Card Debt 04:30 Bible Verse: Romans 13:8 05:05 Today’s Gratitude Statement 05:46 The Cost of Debt: Meredith’s Wake Up Call 07:27 Understanding the Psychological Traps of Credit Card Use 11:32 Credit Scores 17:31 Practical Ways To Battle The Psychological Factors Of Credit Card Use 22:32 Practical Ways to Get Back on Track 24:58 Call to Action: Visit https://askralph.com/ to Book a Call With Ralph 25:22 Join the Ask Ralph Newsletter http://askralphpodcast.com/newsletter for Daily Encouragement & Financial Tips! 26:58 Reflection Questions 28:37 Mail Bag: Listener Feedback and Encouragement 29:37 Share Your Story With Ralph! Email Ralph Directly At ralph@askralph.com 30:03 Closing Takeaways: Links referenced in this episode:

Are you lying awake at night, worried the IRS might show up at your door like a surprise party you never wanted? We’re diving into the nitty-gritty of the IRS tax debt statute of limitations today, answering the burning question: how far back can they come after you for those taxes? Trust me, if you’ve felt the weight of tax debt, this episode is your golden ticket to some peace of mind. We’ll break down your rights and responsibilities, and even sprinkle in some biblical wisdom to guide you through the chaos. So grab a comfy seat, because we’re all about moving from fear to empowerment, one tax question at a time. But the big question remains—Are You Still on the Hook With the IRS? How Far Back Can They Claim You Owe? Read today's blog article Check out the full podcast episode here Waking up in a cold sweat thinking about the IRS? Yeah, we’ve all been there, right? Taxes can be a real nightmare, especially when you’ve got a backlog stretching back years. But hey, don’t panic! In this episode, Ralph dives deep into the murky waters of IRS tax debt and the infamous statute of limitations. Picture this: the IRS generally has a 10-year window to collect what you owe, like a pesky mosquito buzzing around your ear that just won’t go away until you swat it. But there’s hope, and Ralph’s here to help you navigate through the tax jungle with wit and wisdom. He shares stories, like that of Travis, who learned the hard way about the consequences of ignoring tax obligations. Spoiler alert: it’s way better to file your taxes, even if you can't pay, because that little action kicks off the 10-year countdown. So grab your favorite snack, kick back, and let’s unravel this tax mystery together! Podcast Timestamps: 00:00 Episode Overview 02:43 Listener Question: Naomi's Tax Debt Fear 04:05 If You Have A Question You'd Like Answered, Head Over To https://justaskralph.com/ 04:27 Biblical Guidance on Tax Responsibilities 05:02 Today’s Gratitude Statement 05:33 Travis' Story: Overcoming Tax Debt 06:44 IRS Statute of Limitations Explained 08:44 Exceptions to the 10-Year Rule 13:38 Steps to Address IRS Tax Claims 16:12 IRS Resources for Tax Debt Help 19:11 Taxpayer Advocate Service - You can call them at 877-777-4778 21:15 Christian Principles and Tax Debt 24:20 Common Reasons for Falling Behind on Taxes 29:03 Visit https://www.askralphpodcast.com/blog/ for Free Financial Resources 29:23 Reflection Questions 30:41 Key Takeaways From This Episode 32:00 Listener Feedback and Encouragement 33:01 Share Your Story With Ralph! Email Ralph Directly At ralph@askralph.com 33:22 Join the Ask Ralph Newsletter http://askralphpodcast.com/newsletter for Daily Encouragement & Financial Tips! 35:00 Closing Takeaways: