Ask Ralph - Christian Finance

Are you feeling overwhelmed by the commercialization of Christmas? Ralph addresses this concern head-on, emphasizing that the true meaning of Christmas is about celebrating God's greatest gift—Jesus Christ—rather than the material aspects often overshadowed by holiday pressures. He shares personal experiences and practical strategies for maintaining the Christmas spirit while being financially responsible. By focusing on spiritual foundations, setting reasonable gift budgets, and embracing a purpose-driven approach to giving, families can create meaningful celebrations that prioritize faith over consumerism. Join Ralph as he guides listeners through actionable steps to keep the holiday season joyful and financially sound, all while celebrating Christmas from a Christian perspective. https://www.askralphpodcast.com/christmas-from-a-christian/ Podcast Timestamps: 00:00 Episode Overview 00:54 Listener’s Question: Maintaining the True Spirit of Christmas 02:08 Bible Verse: Matthew 6:31-33 – Seeking God’s Kingdom First 04:55 Kingdom-First Christmas Strategy 05:01 #1 Spiritual Foundation First 05:59 #2 Stewardship in Action 08:08 #3 Purpose-Driven Giving 10:10 #4 Building a Lasting Legacy 11:35 #5 Balancing Profitability and Purpose 14:50 Prayer 16:57 Call to Action 18:50 Practical Action Steps for a Financially Responsible Christmas 26:30 Closing Takeaways: Links referenced in this episode: askralphpodcast.com/christmashttps://mailchi.mp/askralph.com/grouphttps://askralphpodcast.com/livehttps://justaskralph.com/ https://askralph.com/ Companies mentioned in this episode: 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...

Are you feeling anxious about buying a used car? You're not alone, as many people dread stepping onto a car lot, fearing they might be taken advantage of. Today, Ralph Estep Jr. shares a transformative story about his client Hank, who saved over $5,000 on his dream car by applying patience and practical wisdom. By utilizing key strategies like setting a budget based on his monthly income, conducting thorough research, and securing pre-approval from his credit union, Hank was able to navigate the car-buying process with confidence. This episode not only provides actionable tips for negotiating the best deal but also emphasizes the importance of blending financial knowledge with spiritual wisdom when buying a used car. https://www.askralphpodcast.com/buying-a-used-car/ Podcast Timestamps: 00:00 Episode Overview 01:02 Listener’s Question: Fred’s Car-Buying Worries 02:01 Bible Verse: Proverbs 15:22 – Success Through Counsel 02:30 Real-Life Story: Hank’s Journey to Buying a Used Car 03:42 Practical Steps Hank Followed to Navigate His Car Buying Journey 09:03 What to Look For During a Test Drive 14:25 Common Issues with Used Cars 18:05 Call to Action 19:42 8 Action Steps To Take To Get The Best Deal When Buying A Used Car 23:06 Closing Takeaways: Links referenced in this episode: https://mailchi.mp/askralph.com/grouphttps://askralphpodcast.com/livehttps://justaskralph.com/ https://askralph.com/ Companies mentioned in this episode: 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 Please share our Podcast...

Are you struggling to make your Social Security check last through the month? Ralph addresses this critical concern, sharing seven powerful strategies to help you maximize your income and maintain a better quality of life. Through a heartfelt listener question from James, who is battling financial hardship, Ralph highlights the importance of budget planning and expense auditing. He illustrates how small changes, like cutting unnecessary subscriptions and finding additional income streams, can lead to significant improvements over time. With a blend of practical advice and faith-based guidance, Ralph empowers listeners to take control of their finances and make the most of their Social Security check, ensuring they don’t have to face their challenges alone. https://www.askralphpodcast.com/social-security-check/ Podcast Timestamps: 00:00 Episode Overview 00:52 Listener’s Question: How Can I Make My Social Security Check Last? 02:38 Bible Verse: Proverbs 3:5-6 – Trust in the Lord and Plan Wisely 03:51 Real-Life Story: Martha’s Transformation on a Fixed Income 10:58 7 Powerful Ways To Maximize Your Social Security Check: 11:10 #1 Create a Strategic Budget Blueprint 12:25 #2 Practice Biblical Stewardship with Essential Expenses 14:10 #3 Implement the Wise Waiting Rule 15:37 #4 Conduct a Complete Financial Inventory 17:01 #5 Develop Multiple Income Streams 18:18 #6 Master Healthcare Cost Management 21:05 #7 Build Your Financial Safety Net 22:51 Call to Action: Book a Call with Ralph 25:00 Recap and Closing Takeaways: Links referenced in this episode: https://mailchi.mp/askralph.com/grouphttps://askralphpodcast.com/livehttps://justaskralph.com/ https://askralph.com/ 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"

Are you feeling the pinch of inflation and struggling to maintain your generosity? You're not alone, as many are facing the difficult choice of cutting back on giving while trying to make ends meet. This episode addresses the heartfelt letter from Carlene, who grapples with guilt over her reduced contributions to her church and local charities due to rising costs. Ralph shares insightful strategies to nurture a generous spirit even in tough financial times, emphasizing that true generosity goes beyond monetary gifts. By trusting in God's provision and exploring creative ways to give, listeners can discover that generosity can flourish, even when budgets feel tight. Tune in for practical advice and encouragement to help you balance your financial responsibilities with your desire to give, navigating inflation while maintaining generosity. https://www.askralphpodcast.com/inflation-while-maintaining-generosity/ Podcast Timestamps: 00:00 Episode Overview 01:01 Listener's Heartfelt Letter 03:13 Biblical Insights on Generosity 05:50 Real-Life Example: Sal's Story 11:19 Practical Steps for Generosity 15:03 Prayer 15:36 Closing Takeaways: Links referenced in this episode: https://mailchi.mp/askralph.com/grouphttps://askralphpodcast.com/livehttps://justaskralph.com/ https://askralph.com/ 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 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...

Can a Christian parent cut corners on car insurance to make ends meet? This heart-wrenching dilemma faced by many families is explored as Ralph Estep Jr. dives into the complexities of financial decision-making from a faith-based perspective. The episode tackles questions about the morality of debt, the biblical view on life insurance, and practical advice for managing finances during challenging times. With real-world solutions and biblical wisdom, Ralph emphasizes the importance of maintaining proper insurance coverage while seeking ways to reduce costs. Join Ralph as he provides insights that blend spiritual principles with practical financial strategies, helping families handle auto insurance responsibly while navigating their financial challenges with both wisdom and faith. https://www.askralphpodcast.com/handle-auto-insurance/ Podcast Timestamps: 00:00 Episode Overview 02:01 Bible Verse: 1 Timothy 5:8 – Providing for Your Household 02:23 Listener’s Question: Navigating Financial Dilemmas as a Christian Parent 07:18 Exploring Biblical Perspectives on Debt and Financial Responsibility 11:13 Biblical Perspective on Life Insurance 18:47 Transitioning to Independence: The Age of Responsibility 23:04 Tax Return Concerns 25:21 Opening a New Credit Card for Lower Interest Rates 28:14 Call to Action 38:02 Closing Takeaways: Links referenced in this episode: irs.govhttps://mailchi.mp/askralph.com/grouphttps://askralphpodcast.com/livehttps://justaskralph.com/ https://askralph.com/ 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...

Are you worried about what will happen to your retirement accounts if the unexpected occurs? Today, Ralph dives into the critical topic of naming a trust as a beneficiary for retirement accounts, a decision that can save your family from unnecessary taxes and complications. He shares his own journey, highlighting how a revocable living trust not only provides peace of mind but also ensures that assets are distributed in alignment with your values and intentions. With over 30 years of financial experience, Ralph outlines six key benefits of establishing a trust, including strategic distribution, tax efficiency, and privacy protection. Tune in to learn how thoughtful estate planning can empower you to support future generations while navigating life's uncertainties with confidence—and discover the answer to the question, Why should I designate a trust as a retirement account beneficiary? https://www.askralphpodcast.com/retirement-account-beneficiary/ Podcast Timestamps: 00:00 Episode Overview 00:59 Listener Question: Inheriting an IRA 02:16 Bible Verse: Proverbs 13:22 02:51 Personal Story: Facing Health Challenges 05:50 Benefits of a Revocable Living Trust 14:02 Key Considerations on Creating a Trust 15:27 Call to Action 17:07 Practical Steps for Setting Up a Trust 18:10 Final Thoughts Takeaways: Links referenced in this episode: https://www.askralphpodcast.com/estate-planning-chat-with-attorney-kevin-baird/https://mailchi.mp/askralph.com/grouphttps://askralphpodcast.com/livehttps://justaskralph.com/ https://askralph.com/ 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"

Has the thought of 2025 tax changes kept you up at night? Ralph Estep Jr. addresses the looming expiration of the Tax Cuts and Jobs Act and its potential impact on your financial future. He shares the story of David, a small business owner grappling with uncertainty, highlighting the importance of preparation and resilience in the face of changing tax laws. With insights on estate planning, investment strategies, and the necessity of comprehensive deduction planning, Ralph equips listeners with actionable steps to navigate these changes while staying true to their Christian values. Tune in for practical advice, biblical wisdom, and a reminder that even amidst financial challenges and new tax issues, there is always hope and a path forward. https://www.askralphpodcast.com/new-tax-issues/ Podcast Timestamps: 00:00 Episode Overview 01:47 Listener Question: Concerns About 2025 Tax Changes 02:56 Biblical Perspective: Resilience and Faith 04:04 Three Crucial Lessons For Our Tax Planning 06:26 Understanding the 2025 Tax Changes 07:06 Real Life Story of a Client 08:06 Major Tax Changes in 2025: How They Will Impact You and Everyone Else 15:52 Practical Steps for Tax Planning 19:40 Call to Action 21:35 The Expected Impact of Tax Cuts and Jobs Act 23:04 Action Steps You Can Take 24:53 Closing Takeaways: Links referenced in this episode: https://mailchi.mp/askralph.com/grouphttps://askralphpodcast.com/livehttps://justaskralph.com/ https://askralph.com/ 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...

Chasing that elusive 800 credit score could be the very thing blocking your financial blessings. Ralph shares the heartfelt story of Jennifer, who has put her life on hold due to her obsession with her 765 credit score, highlighting how this fixation can lead to unnecessary anxiety and missed opportunities. Drawing from his extensive experience as a credit executive, Ralph reveals that successful financial stewardship is about much more than just a number. He introduces the "three Cs" of credit—character, capacity, and collateral—emphasizing their importance over mere credit scores. Tune in as Ralph provides actionable steps to help listeners find true financial peace while aligning their financial decisions with their faith—and why an 800 credit score isn’t the only measure of financial success. https://www.askralphpodcast.com/800-credit-score/ Podcast Timestamps: 00:00 Episode Overview 01:48 Jennifer's Heartfelt Message 03:56 Biblical Perspective on Financial Anxiety 07:55 Understanding the Three C's of Credit 15:48 Call to Action 17:22 Action Steps for Financial Peace 22:26 Final Thoughts Takeaways: Links referenced in this episode: https://mailchi.mp/askralph.com/grouphttps://askralphpodcast.com/livehttps://justaskralph.com/ https://askralph.com/ 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 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

Catherine, a small business owner, faced a devastating cyberattack that locked her out of her entire life's work, demanding a ransom in Bitcoin. This harrowing experience serves as a crucial reminder of the increasing threats posed by cybercriminals, particularly to small businesses and faith-based organizations. Ralph Estep Jr. shares valuable insights on the seven warning signs that indicate your computer may have been hacked, helping listeners recognize potential threats before they escalate. He emphasizes the importance of vigilance and proactive measures to protect both personal and business digital assets. Join Ralph as he combines practical advice with spiritual discernment, ensuring you’re prepared to take action before your computer has been hacked and your information compromised in today’s digital landscape. https://www.askralphpodcast.com/computer-has-been-hacked/ Podcast Timestamps: 00:00 Episode Overview 01:08 Listener's Heartbreaking Story 02:49 Bible Verse: Proverbs 4:23 03:30 The Devastating Impact of Cyber Attacks 06:01 Catherine's Ransomware Ordeal 07:59 Seven Warning Signs of a Hacked Computer 08:04 #1 Unexplained Slow Performance 08:41 #2 Strange Pop-ups 09:06 #3 Programs Starting Automatically 09:44 #4 Unauthorized Password Changes 10:17 #5 Missing Files or Changes to Files 11:00 #6 Unusual Network Traffic 11:34 #7 Disabled Security Programs 12:28 Call to Action 14:19 Prevention Tips and Digital Stewardship 24:18 Final Thoughts Takeaways: Links referenced in this episode: https://mailchi.mp/askralph.com/grouphttps://askralphpodcast.com/livehttps://justaskralph.com/ https://askralph.com/ Companies mentioned in this episode: LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION)

Choosing a credit union over a traditional bank can significantly impact your financial journey, especially when it aligns with your Christian values. Ralph Estep Jr. shares his extensive experience as a credit union executive, highlighting the key differences between institutions that prioritize profits and those that genuinely care for their members. Through compelling stories, he illustrates how credit unions prioritize people over profits, providing personalized service and community support. Listeners are encouraged to seek financial relationships that reflect their values, making informed choices that foster both personal and communal growth. Tune in to learn how to navigate the world of banking with a focus on faith-driven financial decision-making—and discover why it’s time to choose a credit union. https://www.askralphpodcast.com/choose-a-credit-union/ Podcast Timestamps: 00:00 Episode Overview 00:52 Listener’s Question 02:41 Bible Verse: Proverbs 11:14 03:16 Credit Union Stories 09:15 The Credit Union Difference 15:48 Credit Union Statistics and Growth 17:28 What Makes Credit Unions Fundamentally Different 19:34 Call to Action 22:09 Action Steps: Making the Switch to a Credit Union 24:11 Final Thoughts Takeaways: Links referenced in this episode: https://mailchi.mp/askralph.com/grouphttps://askralphpodcast.com/livehttps://justaskralph.com/ https://askralph.com/ Companies mentioned in this episode: 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 Please share our Podcast with all your...

Are you caught in the conflict between your financial ambitions and your spiritual values? Many Christians, like Mindy from New York, grapple with the tension of pursuing wealth while desiring to honor God in their lives. Ralph shares his powerful journey of reconciling faith and finances, emphasizing that success does not have to come at the cost of spiritual integrity. By integrating prayer and biblical principles into business decisions, you can transform your approach to money management. Join Ralph as he offers practical strategies and heartfelt insights to help you align your financial goals with your faith, ensuring that your success serves as a testimony of God's faithfulness and provides opportunities to express our love for Christ. https://www.askralphpodcast.com/express-our-love-for-Christ/ Podcast Timestamps: 00:00 Episode Overview 01:25 Listener's Question: Balancing Business and Faith 03:30 Join the Live Community 05:48 Bible Verse: Matthew 22:37-39 06:21 Personal Story: A Transformative Encounter 09:52 Faith-Based Business Strategies #1 Make Prayer Your Business Strategy 10:57 #2 Build Your Business on Biblical Principles 12:30 #3 Use Your Success as a Ministry 14:05 #4 Trust God's Timing 15:10 #5 Create a Legacy of Faith 16:20 Call to Action 17:57 Action Steps for Faith and Finances 20:00 Closing Takeaways: Links referenced in this episode: https://mailchi.mp/askralph.com/grouphttps://askralphpodcast.com/livehttps://justaskralph.com/ https://askralph.com/ 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 Please share our Podcast with all your friends and family! Submit your questions or...

Are money fights destroying your marriage? Ralph Estep Jr. tackles this pressing issue by sharing a powerful story of transformation for a couple struggling with financial conflicts. He delves into crucial year-end tax moves that could save you thousands, as well as practical advice for turning a side hustle into a thriving business. With insights on charitable giving strategies and smart deductions, Ralph provides a seven-step blueprint to end financial disputes in marriages once and for all. Join the conversation to discover how aligning financial goals with shared values can lead to harmony, financial success, and help you find financial harmony. https://www.askralphpodcast.com/find-financial-harmony/ Podcast Timestamps: 00:00 Episode Overview 01:55 Bible Verse 02:15 Financial Conflicts in Marriage 05:52 Mark and Lisa's Transformation 06:41 Seven Strategies for Financial Harmony 10:39 Income Tax Planning 16:09 Small Business Tax Tips 18:05 Retirement Contributions: SEP IRA and Solo 401k 20:24 Forming an LLC or S-Corp: Tax Implications 24:52 Financial Planning and Accountability 28:33 Live Q&A and Contest 34:46 Final Thoughts Takeaways: Links referenced in this episode: https://mailchi.mp/askralph.com/grouphttps://askralphpodcast.com/livehttps://justaskralph.com/ https://askralph.com/ Companies mentioned in this episode: 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 Please share our Podcast with all your friends and...

Are you feeling overwhelmed by your tax obligations as a small business owner? You're not alone, and today we tackle that very issue. Ralph shares nine battle-tested steps that helped Mark save over $30,000 on his taxes while keeping his employees. From reviewing your business structure to maximizing deductible expenses, these strategies merge smart financial planning with faithful stewardship. As we navigate the complexities of taxes, remember that making informed financial decisions can empower you to take control of your business and alleviate that gut-wrenching feeling when tax bills arrive. Join us as we explore practical solutions that align your financial success with your Christian values—laying the foundation for a better tax situation next year. https://www.askralphpodcast.com/better-tax-situation-next-year/ Podcast Timestamps: 00:00 Episode Overview: Mark's Tax Struggle 01:16 Listener's Tax Dilemma 02:52 Join the Live Community 05:04 Bible Verse: Matthew 25:14-21 07:03 9 Crucial Steps I Can Take For a Better Tax Situation 07:11 #1 Review Your Business Structure 08:02 #2 Maximize Deductible Expenses 09:17 #3 Plan for Equipment Purchases 10:41 #4 Consider Retirement Contributions 11:57 #5 Review Your Inventory Management 13:35 #6 Assess Your Home Office Deduction 14:27 #7 Explore Tax Credits 15:25 #8 Defer Income (Strategically) 17:00 #9 Consult with a Tax Professional 18:40 Big Takeaway 19:08 Call to Action 20:45 Action Steps for Financial Success 22:06 Final Thoughts Takeaways: Links referenced in this episode: https://mailchi.mp/askralph.com/grouphttps://askralphpodcast.com/livehttps://justaskralph.com/ https://askralph.com/ Companies mentioned in this episode: 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...

Are you grappling with the financial strain of tax season, caught between your obligations to pay taxes and your commitment to generous giving? Ralph shares powerful insights by revealing 11 biblical tax resolutions that helped one small business owner turn a daunting $12,000 tax bill into a surprising $3,000 refund. These strategies aim to align your financial decisions with your faith, ensuring you can honor your responsibilities while maintaining peace of mind. From maximizing retirement contributions to optimizing tax-advantaged accounts, Ralph provides actionable steps that can save you thousands. Join the conversation and discover how to navigate the complexities of taxes with a faith-based approach that prioritizes both financial success and spiritual stewardship—perfect inspiration for setting meaningful tax-related New Year’s resolutions. https://www.askralphpodcast.com/tax-related-new-years-resolutions/ Podcast Timestamps: 00:00 Episode Overview 01:27 Heartfelt Message from Melinda 02:44 Join the Community 04:57 Bible Verse: 1 Timothy 5:8 06:40 11 Tax Resolutions to Save You Thousands 06:52 #1 Maximizing Retirement Contributions 08:35 #2 Optimizing Tax-Advantaged Accounts 10:04 #3 Strategic Tax Loss Harvesting 11:52 #4 Smarter Asset Location 13:12 #5 Long-Term Investment Strategy 15:06 #6 Enhanced Itemized Deductions 19:50 #7 Education Benefits Maximization 20:29 #8 Home-Related Tax Advantages 21:10 #9 Developing a Documentation System 22:16 #10 Professional Guidance 23:53 #11 Quarterly Review System 26:15 Call to Action 27:38 Action Steps You Can Take 28:55 Closing Takeaways: Links referenced in this episode: https://www.askralphpodcast.com/putting-into-retirement/https://www.askralphpodcast.com/health-savings-accounts/https://www.askralphpodcast.com/two-types-of-529-plans/https://mailchi.mp/askralph.com/grouphttps://askralphpodcast.com/livehttps://justaskralph.com/ https://askralph.com/

Are you feeling anxious every time you check your retirement account? You're not alone in this struggle, as many people worry about their financial future and the possibility of losing their hard-earned savings due to poor decisions. Today, Ralph shares five common investment mistakes that could derail your financial plans, drawing on real-life stories that highlight the emotional decision-making we all face. He emphasizes the importance of having a solid financial plan and aligning your investment choices with your Christian values. Join Ralph as he offers practical wisdom and biblical truths to help you navigate these challenges, ensuring you can protect your family's financial future while staying true to your faith—and avoid the 5 common investment choices which kill your returns. https://www.askralphpodcast.com/investment-choices-which-kill/ Podcast Timestamps: 00:00 Episode Overview 01:52 Listener’s Question 04:10 Join the Community 06:25 Bible Verse: Proverbs 15:22 06:46 Five Common Investment Mistakes 07:01 #1 The "Hot Stock" Syndrome 08:18 #2 The "All Eggs in One Basket" Approach 09:27 #3 The "Timing the Market" Trap 10:19 #4 The "Emotional Decision Making" Pitfall 11:21 #5 The "Going It Alone" Mistake 12:18 Finding the Right Financial Advisor 14:28 Call to Action 16:24 Action Steps for Financial Freedom 17:35 Closing Takeaways: Links referenced in this episode: https://mailchi.mp/askralph.com/grouphttps://askralphpodcast.com/livehttps://justaskralph.com/ https://askralph.com/ TAKE OUR LISTENER SURVEY - YOU COULD WIN $250 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...

Freezing your credit file might be one of the smartest financial moves you can make to protect yourself from identity theft. Ralph Estep Jr. addresses the alarming rise of unauthorized credit applications and the emotional toll that comes with them, sharing a poignant story about a victim named Michael who discovered fraudulent accounts opened in his name. The episode emphasizes the importance of being proactive in safeguarding your financial identity, drawing on biblical principles to highlight the value of prudence and preparation. Listeners will learn practical steps to implement a credit freeze across all three major credit bureaus, providing a fortress against potential fraud. Ralph combines his financial expertise with a Christian perspective to guide listeners toward achieving peace of mind and the confidence to declare, "It’s time to freeze my credit file" as a critical step in protecting their future. https://www.askralphpodcast.com/freeze-my-credit-file/ Podcast Timestamps: 00:00 Episode Overview 01:04 Listener’s Question 03:13 Bible Verse: Proverbs 22:3 03:37 Rebecca's Story: A Case Study in Credit Freezes 08:10 Why Credit Protection Matters 06:06 The Power of Credit Freezes 12:53 Steps to Implement a Credit Freeze 16:25 Action Steps You Can Take 18:48 Closing Takeaways: Links referenced in this episode: askralphpodcast.com/liveaskralphpodcast.com/reviewequifax.comexperian.comtransunion.comannualcreditreport.comhttps://mailchi.mp/askralph.com/grouphttps://justaskralph.com/ https://askralph.com/ Companies mentioned in this episode: TAKE OUR LISTENER SURVEY - YOU COULD WIN $250 LISTEN NOW

Are you feeling anxious about your financial future as you approach retirement in your 50s? Ralph addresses this concern head-on by sharing 19 powerful steps to help you regain control over your savings and ensure financial security. With heartfelt listener questions guiding the discussion, Ralph emphasizes the importance of taking actionable steps, such as starting with a detailed financial assessment and implementing strict expense tracking. He also highlights the value of diversifying investments, maximizing retirement contributions, and creating multiple income streams. By following these strategies, you can transform your financial situation, overcome your savings shortfall, and align your goals with your values, paving the way for a more secure and fulfilling retirement. https://www.askralphpodcast.com/my-savings-shortfall/ Podcast Timestamps: 00:00 Episode Overview 01:10 Listener Question: Margaret's Financial Dilemma 03:29 Bible Verse: Ecclesiastes 11:2 Financial Diversification 04:10 Tom and Sarah's Story: A Real-Life Example 06:40 19 Steps To Take To Overcome Savings Shortfall Even In Early 50’s 06:46 #1 Start with a Detailed Financial Assessment 08:03 #2 Implementing Strict Expense Tracking 10:06 #3 Creating a Realistic Budget 11:23 #4 Maximizing Retirement Contributions 12:06 #5 Strategic Social Security Planning 13:22 #6 Diversifying Investments 14:36 #7 Building an Emergency Fund 15:31 #8 Reviewing Insurance Coverage 16:34 #9 Addressing Existing Debt 17:45 #10 Master the Art of Smart Shopping 18:51 #11 Creating Multiple Income Streams 19:54 #12 Optimizing Housing Costs 20:48 #13 Reviewing and Reducing Monthly Subscriptions 21:45 #14 Implementing Tax Efficient Strategies 22:19 #15 Maximizing Employee Benefits 23:16 #16 Building Financial Knowledge 24:04 #17 Practicing Contentment 25:08 #18 Networking with Like-Minded Individuals 25:57 #19 Regular Financial Checkups 26:40 Call to Action 28:27 What Happened With Tom And Sarah? 30:09 Conclusion Takeaways: Links referenced in this episode: askralphpodcast.com/surveyhttps://mailchi.mp/askralph.com/grouphttps://askralphpodcast.com/livehttps://justaskralph.com/

Are your affections set too much on this world rather than your heavenly home? Host Ralph Estep Jr. dives deep into this critical question that challenges us to reassess our spending habits and materialistic mindset. He shares the heartfelt message from a listener named Christine, who feels overwhelmed by her possessions and struggles to align her financial choices with her faith. Ralph offers practical steps to shift focus from accumulating worldly treasures to investing in eternal ones, emphasizing the importance of being good stewards rather than owners of our resources. With a blend of personal anecdotes and spiritual insights, this episode aims to inspire listeners to declutter their lives, prioritize what truly matters, and reflect on how their actions reveal whether they love the world more than their eternal home. https://www.askralphpodcast.com/love-the-world/ Podcast Timestamps: 00:00 Episode Overview 01:30 Listener's Struggle with Materialism 04:52 Bible Verse: Matthew 6:19-21 08:06 Practical Steps You Can Take to Be Good Stewards of God’s Treasures 08:20 #1 Conduct a Heart Audit 09:49 #2 Practice Intentional Gratitude 11:10 #3 Implement the 48-Hour Rule 12:46 #4 Create a Kingdom-First Budget 14:17 #5 Declutter with Purpose 16:20 Call to Action 19:14 Prayer 20:52 Action Steps 22:35 Closing Takeaways: Links referenced in this episode: askralphpodcast.com/surveyaskralphpodcast.com/christmashttps://mailchi.mp/askralph.com/grouphttps://askralphpodcast.com/livehttps://justaskralph.com/ https://askralph.com/ TAKE OUR LISTENER SURVEY - YOU COULD WIN $250 LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION)

Tonight's podcast dives into practical financial advice for those feeling financially overwhelmed, especially single parents and small business owners. Ralph addresses the pressing concerns of listeners like Sarah, a single mom struggling to make ends meet, and Marcus, who is tracking every penny but still feels stuck. The discussion includes actionable steps to achieve financial stability, such as setting small goals, reviewing expenses, and exploring community support. Additionally, Ralph explores the intersection of faith and finance, providing biblical insights on wealth creation for Christian business owners like Jennifer. With practical guidance, humor, and a focus on true wealth building, this episode aims to empower listeners to take control of their financial futures and foster a sense of community and support. https://www.askralphpodcast.com/true-wealth-building/ Podcast Timestamps: 00:00 Episode Overview 02:07 Bible Verse: Proverbs 21:20 02:56 Navigating Financial Pressures as a Single Parent 05:50 Interactive Q&A: BOI Report and Business Ownership 07:57 Marcus' Financial Struggles: Redesigning Your Financial Plumbing 11:48 Jennifer's Dilemma: Honoring God While Building Wealth 16:22 Delaware's Family Paid Leave Act Explained 18:58 401k vs. Real Estate: Making Smarter Investment Decisions 25:50 Understanding Self-Employment Taxes 33:47 Calculating Your Tax Bracket 37:53 Call to Action 47:01 Closing Takeaways: Links referenced in this episode: askralphpodcast.com/surveyhttps://www.askralphpodcast.com/christmashttps://mailchi.mp/askralph.com/grouphttps://askralphpodcast.com/livehttps://justaskralph.com/ https://askralph.com/ Companies mentioned in this episode: TAKE OUR LISTENER SURVEY - YOU COULD WIN $250 LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION)

Are you worried about the future of Social Security and how upcoming changes in 2025 might affect your retirement? You're not alone; many hardworking individuals share your concerns. Ralph addresses these fears head-on by outlining three major changes to Social Security, including adjustments to benefits, full retirement age, and wage caps. He emphasizes the importance of proactive financial planning and diversifying income sources to secure your retirement, rather than relying solely on Social Security. Join Ralph as he offers practical strategies and insights to help you build a financially stable future while understanding the potential impact of Social Security in 2025. https://www.askralphpodcast.com/social-security-in-2025/ Podcast Timestamps: 00:00 Episode Overview 00:58 Listener’s Question: How Will Social Security Changes Affect My Retirement? 04:06 Bible Verse: Proverbs 13:22 – Leaving an Inheritance for Generations 05:20 Key Social Security Updates for 2025 05:27 #1 Cost of Living Adjustment (COLA): What to Expect 06:34 #2 Full Retirement Age (FRA): New Rules and Implications 07:35 #3 Wage Cap Increases: What It Means for Workers and Employers 09:43 Real-Life Story: James’ Financial Transformation Through Planning 12:22 How To Boost Your Income Beyond Social Security 12:49 #1 Investment Diversification 13:58 #2 Multiple Income Streams 14:59 #3 Retirement Account Optimization 18:13 Cash Flow Management 19:30 Asset Evaluation 21:47 Call to Action 23:33 Actionable Steps to Prepare for Social Security Changes 25:00 Closing Takeaways: Links referenced in this episode: askralphpodcast.com/surveyhttps://www.askralphpodcast.com/christmashttps://mailchi.mp/askralph.com/grouphttps://askralphpodcast.com/livehttps://justaskralph.com/ https://askralph.com/ Companies mentioned in this episode: TAKE OUR LISTENER SURVEY - YOU COULD WIN $250 LISTEN...