Financially Confident Christian

Your sleepless nights? Yeah, they probably aren’t just about your bank account. In this bonus episode, I’m diving deep into the fact that no matter how hard you hustle, if God isn’t at the core of your plans, you might just be spinning your wheels. I’ll share a listener’s heartfelt email that really hit home, questioning why it feels like she’s building but nothing lasts. It’s all about realizing that financial confidence comes from trusting God to be your builder, not just a backup plan. So, if you’re tired of the grind and want to find true peace, stick around as we explore how to shift from anxious toil to a solid legacy. Takeaways: LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) SUPPORT THE SHOW 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 Leave A Voicemail Message Buy Ralph's Book - Mastering Your Finances! Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey Buy Ralph's Book - How to Become a Financially Confident Christian Want to be a guest on Financially Confident Christian? Send Ralph Estep, Jr. a message on PodMatch, here: https://www.podmatch.com/hostdetailpreview/1704313698808231d175d3ba6 Tired of feeling stuck in your business? Discover my 12-week coaching program built for small business owners just like you: www.gritandgrowthbusiness.com/coaching

Summer's zooming by, and before you know it, fall is gonna be knocking at your door. Are you feeling a bit lost with your finances, like you're just kinda drifting without a plan? Well, hang tight because we're diving into how to set some killer financial goals to wrap up the year strong. How Can I Set Financial Goals for the Rest of the Year? Today, I’m breaking down the steps to create a clear roadmap that’ll help you get from point A to point B without the stress. So, let’s get our heads in the game and make those money moves that’ll bring clarity and confidence to your financial journey! Read today’s blog article Check out the full podcast episode here Summer's rolling out, and if you're like many, you're feeling that financial drift like a leaf on the wind. Not to worry though, Ralph's here to help us carve out some solid financial goals before the fall frenzy kicks in. This episode dives deep into how to establish a roadmap for our finances, ensuring we don’t lose sight of those ambitions we set at the start of the year. From learning about the importance of having a vision – because, let’s face it, without one, we’re just wandering aimlessly – to setting SMART (Specific, Measurable, Achievable, Relevant, Time-bound) goals, Ralph makes it feel like a breeze. He reminds us that it’s not about beating ourselves up for drifting but about picking ourselves up, focusing on what truly matters, and getting back on track with purpose and confidence. Plus, there's some solid scripture to guide us along the way, emphasizing that clarity and purpose aren’t just financial concepts but life principles too. Takeaways: Links referenced in this episode: financiallyconfidentchristian.com LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) SUPPORT THE SHOW 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 Leave A Voicemail Message Buy Ralph's Book - Mastering Your Finances! Buy Ralph's Book -

Summer jobs can mean some sweet extra cash, but let’s be real—doesn't it always seem to vanish quicker than a popsicle in the sun? Today, we're diving into how to make that summer income work for you instead of just lighting up your social calendar. I’m here to share some solid tips on turning that fleeting cash into something that’ll actually help you power up your financial goals. We’ll chat about being intentional with your earnings, like saving for that fall tuition or knocking out some pesky debt. How Can I Make the Most of My Summer Job Income? So, grab a drink, kick back, and let’s get into how you can make the most of your summer hustle! Read today’s blog article Check out the full podcast episode here Let’s put it all into perspective. It’s not just about earning that cash; it’s about making it work for us. Ralph’s insights today are a fantastic reminder that our summer jobs can be more than just a source of pocket money. They can be the building blocks for our financial future. So, let’s take those earnings, sprinkle in some biblical wisdom, and become financially confident stewards of our resources. You got this! Takeaways: Links referenced in this episode: financiallyconfidentchristian.com LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) SUPPORT THE SHOW 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 Leave A Voicemail Message Buy Ralph's Book - Mastering Your Finances! Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey Buy Ralph's Book -

Today, we’re diving into the nitty-gritty of insurance and how it’s not just a “set it and forget it” deal. I mean, come on, are those policies really covering your back? We’re talking about taking a hard look at what you’ve got and making sure it fits your life today—not yesterday. You don’t want to find out the hard way that your coverage is about as useful as a screen door on a submarine when a crisis hits. So, let’s chat about how to really protect what you’ve worked so hard for, and keep that financial heartache at bay. Stick around, 'cause we’re dishing out some solid tips to get your insurance game on point! Are My Insurance Policies Protecting Me Enough? Read today’s blog article Check out the full podcast episode here When it comes to insurance, we've all been there, right? You sign up, maybe for auto or health insurance, and then you just forget about it. But let me tell you, just because you have insurance doesn't mean you're covered like you think. Life throws curveballs—kids go off to college, home renovations happen, and storms can roll in outta nowhere. The truth is, your old policy might not fit your new reality, leaving you with a false sense of security. If disaster strikes, you might find out the hard way that you're not as protected as you thought. This episode dives deep into why reviewing your insurance is a must-do, not just a nice-to-have. We chat about how insurance is really about stewardship and taking care of what you have. Spoiler alert: trusting in God doesn’t mean you can ignore the practical stuff like insurance! So, if you want to avoid the financial heartache of being underinsured, grab your policies and let’s go through them together. It’s time to make sure you and your family are truly protected. Takeaways: Links referenced in this episode: financiallyconfidentchristian.com LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) SUPPORT THE SHOW 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 Leave A Voicemail Message Buy

Let’s get real, folks! Summer’s zooming by, and if you’re anything like me, the thought of those back-to-school expenses and holiday bills creeping up is enough to make you break a sweat. But what if we could flip the script and tackle those costs before they hit us like a ton of bricks? Today, I’m diving into how we can prep for the fall season without the financial freakout. We’ll chat about the importance of planning ahead, budgeting like pros, and keeping our wallets happy while we enjoy the changing leaves and holiday cheer. So grab a snack, kick back, and let’s get our financial game on point! How Can I Get Ahead Financially for the Entire Fall Season? Read today’s blog article Check out the full podcast episode here Summer's slipping away, and with it comes that oh-so-fun annual financial panic as school expenses loom and holiday plans start creeping in. Honestly, who doesn’t feel a little queasy at the thought of the end of summer? But what if I told you there's a way to face fall without that dreaded financial hangover? Today, we're diving deep into how to prep your wallet for the upcoming season instead of just bracing for impact. Think of it as your financial survival guide—because let’s be real, planning ahead is the name of the game. We’re talking about budgeting smartly, mapping out those must-have expenses, and generally keeping financial stress at bay. Together, we'll explore how to turn that seasonal dread into a calm and collected approach. It’s all about being proactive and channeling your inner ant from Proverbs—storing up and preparing for what’s ahead. So grab a pen and paper, because we’re about to get your financial fall and holiday game on point! Takeaways: Links referenced in this episode: financiallyconfidentchristian.com LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) SUPPORT THE SHOW 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 Leave A Voicemail Message Buy Ralph's Book - Mastering Your Finances! Buy Ralph's Book -

Back to school costs can really hit hard, and let's be real, nobody wants to feel that financial pinch while trying to get the kiddos ready for another school year. This episode is all about flipping that financial dread into a smooth, money-saving mission. We're diving into how starting your back-to-school prep early can save you some serious cash and keep you from stressing out at the last minute. I’ll share some super easy tips like making a needs list, checking what you already have, and budgeting smartly—because who wants to be that parent scrambling for supplies on the first day? So, let’s get prepped, save some dough, and keep those school bells ringing without the financial headache! How Can Starting My Back-to-School Prep Early Save Me Money? Read today’s blog article Check out the full podcast episode here Back to school? More like back to wallet-worrying season! We kick things off chatting about the frantic rush that hits once those school bells start ringing. You know the drill: supply lists that seem to grow longer every year, the pressure to get the latest gear, and those mysterious fees that pop up like unwanted guests at a party. It’s enough to make any parent’s wallet ring in despair! But what if we could flip that script and turn those money woes into smart, savvy saving missions? Today, we’re diving deep into how you can prepare early, dodge the last-minute panic-buying, and actually save some bucks while ensuring your kids are ready to rock the school year. From crafting that essential needs list to comparing prices like a pro, we’re here to help you tackle back-to-school like a financial ninja. Plus, we sprinkle in a bit of Bible wisdom because, hey, who doesn’t want divine guidance when planning their budget? So stick around as we unpack these gems and get you prepped for a smooth school season without the financial freak-out! Alright, let’s talk strategy! The first piece of advice we’re throwing your way is all about planning ahead. Seriously, why wait until the last minute when you can get a jump on those expenses? We’re talking about making that early needs list—dig out last year’s supplies, see what your kiddos can reuse, and check out what’s lurking in the back of their closets. This isn’t just about saving a few bucks; it’s about easing the stress that often comes with back-to-school chaos. And let’s be real, nobody wants to be that parent scrambling to find a backpack at the last second. We’ll share some practical steps to help you budget wisely for supplies, clothes, and those sneaky fees that can catch you off guard. Trust us, you’ll thank yourself later when your bank account isn’t crying. Finally, we wrap things up with a hearty reminder: being proactive is your secret weapon. By planning early, you’ll not only save cash but also keep your sanity intact. We dive into the importance of intentional budgeting and how it can prevent that overwhelming feeling when school starts rolling around. Plus, we’ll chat about how to spread out those costs and snag some sweet deals while you’re at it. So whether you’re already knee-deep in back-to-school prep or just starting to think about it, we’re here to help you navigate this season with confidence. Let’s make this school year a win for both your kids and your wallet! Takeaways: Links referenced in...

Worrying about your finances? Yeah, that might just be more than a bad habit—it’s actually a sin. Today, we’re diving into why stressing over dough is a big deal and how it can mess with your peace of mind. We’ll explore some wisdom straight from the Bible, reminding us that God’s got our backs when it comes to our needs. Instead of letting financial anxiety rule our lives, we’re chatting about how to swap that worry out for some good ol’ prayer and trust. So grab your favorite drink, kick back, and let’s figure out how to kick that financial stress to the curb! Let's answer today's question - Money woes - let's chat about why that's a sin! Takeaways: LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) SUPPORT THE SHOW 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 Leave A Voicemail Message Buy Ralph's Book - Mastering Your Finances! Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey Buy Ralph's Book - How to Become a Financially Confident Christian Want to be a guest on Financially Confident Christian? Send Ralph Estep, Jr. a message on PodMatch, here: https://www.podmatch.com/hostdetailpreview/1704313698808231d175d3ba6 Tired of feeling stuck in your business? Discover my 12-week coaching program built for small business owners just like you: www.gritandgrowthbusiness.com/coaching

Self-care doesn't have to drain your wallet, and that's the vibe we're diving into today. We're chatting about how to prioritize our well-being without splurging on spa days or luxury trips. Instead, we’ll explore the simple joys and spiritual practices that can really recharge our batteries. Think walks in nature, journaling, or just kicking back with some good tunes—totally free and super grounding! So grab your favorite drink, kick back, and let’s figure out how to embrace rest and renewal without the financial stress. How Can I Practice Self-Care This Summer Without Breaking the Bank? Trust me, your mind and wallet will thank you! Read today’s blog article Check out the full podcast episode here Summer is here, and it's all about catching some rays and soaking up those good vibes, right? But let's be real for a sec—self-care can sometimes feel like just one more thing on that never-ending to-do list. You know, spa days and luxury getaways sound fab, but they can totally wreck your wallet if you're not careful. So, how do we take care of ourselves without going broke? That's the million-dollar question we're diving into today. We're all about mixing faith with finance here at Financially Confident Christian, and we're gonna unpack how to prioritize our well-being without it costing us an arm and a leg. We talk spiritual self-care from the Bible, like that whole Sabbath rest thing. Spoiler alert: God created rest for us! It's a gift, not a chore. So yeah, let’s embrace that guilt-free downtime. And guess what? It doesn’t have to come with a hefty price tag. We’ll throw in some practical tips on how to get your self-care game on without breaking the bank. So grab a cool drink, kick back, and let’s chat about making self-care simple and affordable! Takeaways: Links referenced in this episode: financiallyconfidentchristian.com LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) SUPPORT THE SHOW 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 Leave A Voicemail Message Buy Ralph's Book - Mastering Your Finances! Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business...

Ever feel like your cash just vanishes? Yeah, me too! Today, we’re diving into the whole idea of that “purse with holes” from Haggai 1:6—where all your hard-earned bucks seem to slip right through. We’re chatting about how to spot those sneaky leaks in your spending that leave you feeling broke, even when you’re hustling hard. I’ll share some real talk on common culprits, like forgotten subscriptions and those impulse buys that add up faster than you can say “where’d my money go?” So grab a comfy seat, and let’s get you on the path to financial peace—because nobody wants to feel empty after working their tail off! Let's answer today's question - is your hard-earned cash going down the drain? Takeaways: LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) SUPPORT THE SHOW 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 Leave A Voicemail Message Buy Ralph's Book - Mastering Your Finances! Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey Buy Ralph's Book - How to Become a Financially Confident Christian Want to be a guest on Financially Confident Christian? Send Ralph Estep, Jr. a message on PodMatch, here: https://www.podmatch.com/hostdetailpreview/1704313698808231d175d3ba6 Tired of feeling stuck in your business? Discover my 12-week coaching program built for small business owners just like you: www.gritandgrowthbusiness.com/coaching

Ever feel like your phone's basically glued to your hand? Yeah, me too. Today, we're diving into how all that screen time might not just be sucking away your attention, but also your hard-earned cash. I’m talking about a digital detox—it's not just about kicking back and scrolling less; it’s about reclaiming your peace and, hey, even your wallet. We're gonna dig into those sneaky digital habits that lead to impulse buys and mental overload, and I'll share some tips to help you cut the cord financially and spiritually. So, if you're ready to kick the scroll habit and guard your heart (and your bank account), stick around—Can a Digital Detox Really Save Me Money This Summer? Let’s find out. Read today’s blog article Check out the full podcast episode here Ever feel like your phone's practically part of your hand? Yeah, me too. We dive into how our constant scrolling and clicking isn't just a time-suck; it might be draining our wallets too. It's all about the sneaky little ways digital habits can lead to impulse buys and mental overload. Today, we’re getting real about how to break free from those spending traps. Spoiler: it involves some honesty and a bit of self-reflection. We'll also share some solid tips on how to reclaim not just your attention, but your hard-earned cash, too. So, buckle up as we explore how a little digital detox can lead to more peace and less financial chaos. Plus, I’ll drop some wisdom from the Bible to keep us grounded. Ready to take back control? Let’s do this! Takeaways: Links referenced in this episode: financiallyconfidentchristian.com Companies mentioned in this episode: LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) SUPPORT THE SHOW 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 Leave A Voicemail Message Buy Ralph's Book - Mastering Your Finances! Buy Ralph's Book -

Feeling that pressure to spend just to keep up with all those fancy vacation pics and summer parties? Yeah, we’ve all been there, and it's time to tackle that FOMO spending head-on! In this episode, I'm diving deep into how to enjoy your summer without breaking the bank or losing your mind over what everyone else is doing. We’ll chat about spotting those sneaky triggers that make you feel like you’re missing out, and how to set your own priorities that truly bring you joy. So, let’s kick that FOMO to the curb and embrace a summer that's all about what makes us happy—without the financial stress. Stick around, ’cause we’re getting into some savvy strategies to keep your budget in check while still having a blast. The question we’ll answer today is, How can I overcome the "FOMO" spending trap this summer? Read today’s blog article Check out the full podcast episode here Hey there, my friends! Summer is in full swing, and if you’re anything like me, you’re probably seeing your friends’ epic vacation photos and it’s making you feel a little... well, left out. That classic FOMO is real, and it can lead us to spend way more than we should just to keep up with the Joneses—or should I say, the Instagrammers? Today, we’re taking a deep dive into how to enjoy a fabulous summer without falling into the FOMO spending trap. Spoiler alert: it’s totally possible! We’ll explore what FOMO really does to our finances and mental health. It’s more than just a fleeting feeling; it can lead to overspending, stress, and a ton of regret. I’ll share some tips on identifying your personal triggers that make you feel like you’re missing out. Maybe it’s certain Instagram accounts or group chats that get you feeling some type of way. Once you know your triggers, we’ll work on defining what your true summer priorities are. What really brings you joy? Spoiler: it’s likely not the overpriced concert you’re feeling pressured to attend. We’ll also talk about practicing some intentionality when it comes to saying yes or no to summer plans. It’s about aligning those invites with your values and your budget. And let’s not forget the wisdom from the Bible that encourages us to be content. By the end of this episode, you’ll be equipped to enjoy summer on your own terms, avoid that FOMO fog, and find true joy in the season without the strain on your wallet. Let’s get to it, shall we? Takeaways: Links referenced in this episode: financiallyconfidentchristian.com LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION)

Ralph Estep Jr. dives into a listener's burning question about budgeting stress, tackling the age-old dilemma of whether to ditch the budget when it feels like a weight on your shoulders. Sheila, the listener, is feeling the pressure, and Ralph starts by dissecting why budgeting can feel like a straight jacket instead of a tool for freedom. He relates budgeting to dieting—both can sound restrictive and daunting. But, he flips the script by suggesting we think of budgeting not as a restrictive measure but as an 'intentional spending plan.' This change in perspective is crucial for easing the stress. Instead of stressing over what you can't do, budgeting should empower you to make intentional choices about your money. Ralph encourages listeners to give each dollar a job, to see budgeting as a way to gain control over finances rather than a source of anxiety. He emphasizes that it’s okay to make mistakes and that perfection isn’t the goal. The real takeaway? Embrace control and be intentional with your spending, and watch that stress fade away. Oh, and don’t forget—Ralph has a free book waiting for you at his website, packed with tips to boost your financial confidence! Join Ralph Estep, Jr., as answers a listeners question - can intentional spending reduce budget stress? Takeaways: LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) SUPPORT THE SHOW 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 Leave A Voicemail Message Buy Ralph's Book - Mastering Your Finances! Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey Buy Ralph's Book - How to Become a Financially Confident Christian Want to be a guest on Financially Confident Christian? Send Ralph Estep, Jr. a message on PodMatch, here:

Feeling that summer budget slump? Yeah, me too! We started the season with big dreams and a solid plan, but now it’s like our wallets are leaking. Today, we’re diving into how to spot those sneaky spending habits that have drifted off course and how to hit the reset button before summer slips away. We’re not here to beat ourselves up; it’s all about making small, realistic adjustments to regain peace of mind. So grab a drink, kick back, and let’s chat about how to turn that slump into a summer comeback with The "Summer Slump" Budget Review: Re-evaluating Habits Mid-Season. Read today’s blog article Check out the full podcast episode here Summer vibes can be a total budget buster, right? We kicked off the season with our wallets feeling all kinds of okay, but now it feels like our money is doing the limbo—how low can it go? In this episode, we're tackling the infamous summer budget slump. You know, that moment when you realize you’ve been dining out a bit too much, and maybe that online shopping spree got a little out of hand? But don’t sweat it! We’re here to help you do a little financial check-up and get back on track. Think of it as a friendly reminder that it’s totally fine to hit pause and reassess your spending habits. Just because summer’s all about letting loose doesn’t mean your finances have to go wild too. So grab a cold drink, kick back, and let’s talk about turning that slump into a summer success story. We dive into the nitty-gritty of recognizing those sneaky spending habits and how to reset your financial goals. There’s some serious wisdom in the scriptures we share, reminding us that budgets aren’t chains holding us down but tools that can empower us. It’s all about making those small, realistic adjustments that can lead to big changes. So whether it’s cutting back on that takeout or planning some free family fun, we got you covered with actionable steps to regain that financial peace. Don’t let the summer slump get you down—let’s turn it around together! Takeaways: Links referenced in this episode: financiallyconfidentchristian.com LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) SUPPORT THE SHOW 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 Leave A Voicemail...

Teaching your teens about money can feel like walking a tightrope, but it doesn't have to be a total circus. We dive into how to help your kids snag that sweet independence without all the drama – you know, those classic arguments about allowances and spending. I’ve got some solid tips on setting up a money system that works for both you and your teen, so you can avoid those awkward money talks that lead to eye rolls. We chat about the importance of having them earn their own cash, budgeting, and even the joys of their first job. Trust me, this episode is packed with wisdom, and we’re here to make financial literacy less of a chore and more of a chill conversation. So, if you've ever wondered, "How Can I Teach My Teenager About Money Without Constant Arguing?"—we’ve got you covered. Read today’s blog article Check out the full podcast episode here Teenagers are all about that freedom, and let's be real, they’re itching for some cash and maybe even a shiny new car. But when it comes to money talks at home, things can get a little tense, right? Arguments can pop up over allowances, part-time jobs, and how they choose to spend their hard-earned cash. What if I told you there’s a way to teach your teens about money without the constant bickering? That’s what I’m diving into today. The teen years are prime for instilling some solid financial habits, and I’m here to share how we can make it happen without turning our homes into battlegrounds. We’re all about creating financially savvy kids who can handle their cash like pros. So, let’s chat about setting up a solid money system that includes earning, budgeting, and spending wisely. We’ll cover everything from starting that first job to having regular money chats that aren’t just about nagging but more about learning and growing together. Trust me, it’s all about turning those tense discussions into productive conversations that empower our teens to take charge of their financial future. So, buckle up, because we’re about to dive into the nuts and bolts of teaching teens about money, and you won't want to miss it! Takeaways: Links referenced in this episode: financiallyconfidentchristian.com LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) SUPPORT THE SHOW 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

Today, we’re diving into the wild world of college planning without losing our minds—or our wallets! It can feel like a massive mountain of debt just waiting to crush us, right? But hang tight, because I’m here to share some solid wisdom on how to tackle those college costs with a chill mindset and a faithful approach. We’re talking about starting early, saving a little here and there, and hunting down those sweet scholarships and grants that are just sitting there, waiting for someone to grab 'em. So, whether you’ve got toddlers or teens, let’s get the convo rolling and make those financial fears a thing of the past—and answer the big question: How Can I Plan for College Costs Without Overwhelming My Family? Read today’s blog article Check out the full podcast episode here Planning for college can feel like staring up at a mountain, right? Especially when you’ve got little ones running around and your biggest worry is whether you’ll get a good night’s sleep. But let’s flip the script! In this show, we dive into how you can tackle those college costs without breaking the bank or losing your cool. Starting early is key, and Ralph shares some gems on how to save wisely—even if your kids are still in diapers. We’re talking about small steps here, folks. Like opening a 529 plan or just saving a few bucks a month. And hey, don’t forget about those scholarships! There’s a ton of free money out there if you just look a little. So, if you’re feeling the weight of college costs, tune in as we explore practical and faith-driven ways to lighten that load and equip your kids for their futures without the financial freak-out. Let’s make planning for college a breeze and keep the stress at bay! Takeaways: Links referenced in this episode: financiallyconfidentchristian.comfastweb.comscholarship.com LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) SUPPORT THE SHOW 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 Leave A Voicemail Message Buy...

Alright, let’s dive in! We’re chatting about how to hit those financial goals we set back in January, which, let’s be real, might feel like a distant memory for some of us. If you're starting to wonder where the heck your money went and if you're on track, don’t sweat it. A simple mid-year review can totally help you refocus and crush those targets without the stress. I’m here to guide you through setting up that review and making those necessary adjustments, so you can keep moving forward and build some serious momentum. Grab a pen and let’s get our financial game plan back on point—and answer the big question: How Can I Review My Financial Goals for the Rest of the Year? Read today’s blog article Check out the full podcast episode here Setting those ambitious financial goals can feel like climbing a mountain, right? But now that we’re halfway through the year, it’s time to check in and see if we’re making it to the summit or just kind of chilling at base camp. Ralph dives into the nitty-gritty of doing a mid-year financial review, which is essentially your map to getting back on track. He emphasizes that having goals is awesome, but you can't just set 'em and forget 'em. Life happens, and suddenly those shiny plans might feel like they're gathering dust. So what do we do? Ralph suggests we schedule a quick review, reassess our goals, and make any necessary adjustments. Think of it like checking your GPS when you hit a detour. The key here is accountability, and Ralph brings in some biblical wisdom to help us keep our financial lives in check. It’s all about staying diligent, keeping a vision, and being honest with ourselves about where we stand. So grab a cup of coffee, take some time this week, and let’s see where we’re at with those money goals! Takeaways: Links referenced in this episode: https://financiallyconfidentchristian.com/ LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) SUPPORT THE SHOW 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 Leave A Voicemail Message Buy Ralph's Book - Mastering Your Finances! Buy Ralph's Book -

Alright, folks, we’re diving into how to rock a totally debt-free holiday season this year, and guess what? It's not too early to start planning! We’re talking about ditching that post-holiday financial hangover and kicking off a stress-free festive vibe. We’ll break down some solid tips on how to get your holiday funds ready without breaking the bank. Seriously, who wants to be sweating over bills come January? Stick around as we share a game plan that’ll have you feeling all cheerful and generous without the weight of debt dragging you down. Let’s get this holiday party started on the right foot—and answer the question on everyone’s mind: How Can I Enjoy a Debt-Free Holiday Season This Year? Read today’s blog article Check out the full podcast episode here Holiday vibes are creeping in, and guess what? Ralph's not just jamming to Christmas tunes in August for kicks; he’s got a solid plan to keep your holiday spending in check. We’re diving into how to dodge that nasty post-holiday debt hangover that leaves many of us gasping for air come January. You know the drill: festive lights, joyful gatherings, and then bam! Credit card statements hit like a ton of bricks. Ralph’s here to share how to prep for a debt-free holiday season, and spoiler alert: it all starts with planning ahead. We chat about the importance of setting up a ‘Debt-Free Holiday Fund’ now, so you can enjoy the season without the stress of overspending. Let’s be real, who wants to be the Grinch of the holidays worrying about finances? Stick with us as we explore practical steps to budget for gifts, food, and travel without breaking the bank, all while keeping the spirit of giving alive without the weight of guilt. The message is loud and clear: with a bit of foresight, you can enjoy the magic of the holidays without the financial hangover that comes with it. Takeaways: Links referenced in this episode: financiallyconfidentchristian.com LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) SUPPORT THE SHOW 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

We're diving into how to enjoy all the fall fun without making your wallet scream in agony! You know that sweet pumpkin spice season is here, but all those festivals and football games can really add up if we’re not careful. So today, I'm sharing some solid tips on how to budget for all that autumn goodness without going broke or stressing out. We’re all about enjoying God’s gifts wisely, and with a little planning, you can savor those hayrides and haunted houses guilt-free. So, grab your favorite drink, sit back, and let’s get into some smart strategies for a financially savvy fall. Wondering how to make it all happen? Let’s answer the question: How Can I Budget for Fall Fun Without Overspending? Read today’s blog article Check out the full podcast episode here Fall is here, and with it comes the season of pumpkin spice and cozy sweaters. But let's be real, as much as we love the crisp air and football games, the thought of spending can make anyone's wallet quiver. We dive deep into how to enjoy all those autumn festivities without breaking the bank. This episode is all about crafting a budget that lets you soak up the fun—think apple picking, haunted houses, and local festivals—while keeping your finances in check. I share some biblical principles that emphasize planning and wise stewardship, reminding us that we can enjoy God's gifts responsibly. We also explore practical steps to establish a ‘fall fun fund’ budget, which includes brainstorming activities, researching costs, and setting clear spending limits. By the end, you'll be ready to embrace the season guilt-free and financially savvy! Takeaways: Links referenced in this episode: financiallyconfidentchristian.com LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) SUPPORT THE SHOW 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 Leave A Voicemail Message Buy Ralph's Book - Mastering Your Finances! Buy Ralph's Book -...

So, let’s dive right into it—using a credit card as an emergency fund? Not such a hot idea, my friends. In this bonus episode, we tackle the question: Is your credit card really a good stand-in for cash when life throws you a curveball? Spoiler alert: It’s not! I share some real talk about how relying on plastic can turn a minor hiccup into a financial avalanche. Trust me, an emergency fund is your ticket to peace of mind, while credit cards just pile on the stress. So, grab your ear buds and let’s get into it! Let's discuss why credit cards are not your emergency fund! Takeaways: LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) SUPPORT THE SHOW 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 Leave A Voicemail Message Buy Ralph's Book - Mastering Your Finances! Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey Buy Ralph's Book - How to Become a Financially Confident Christian Want to be a guest on Financially Confident Christian? Send Ralph Estep, Jr. a message on PodMatch, here: https://www.podmatch.com/hostdetailpreview/1704313698808231d175d3ba6 Tired of feeling stuck in your business? Discover my 12-week coaching program built for small business owners just like you: www.gritandgrowthbusiness.com/coaching

The holidays are sneaking up on us, and trust me, I feel the financial stress creeping in too! We’re diving into how to tackle that holiday budget without losing our minds or racking up debt. I’ve got some solid tips on side hustles that can help you boost your income just in time for all those gifts, travel, and festive meals we love. Think of it as getting your holiday hustle on while keeping the joy alive instead of drowning in stress. So, grab a cozy drink, and let’s chat about how we can make this holiday season a little brighter and a lot less financially scary! And hey—how can a fall side hustle boost my holiday budget? Let’s break it down together. Read today’s blog article Check out the full podcast episode here The holiday season is creeping up on us like a cat on a laser pointer, and the financial stress that comes with it can feel like a punch in the gut. Ralph kicks off with a friendly reminder that, yes, it’s still August, but those bills are lurking just around the corner. He dives into the nitty-gritty of how we can turn that holiday dread into a budget-friendly celebration. With a dash of humor and a whole lot of practical advice, he introduces the concept of fall side hustles—those nifty little gigs that can beef up our wallets just in time for gift-giving season. Tune in as Ralph lays down some biblical wisdom on hard work and resourcefulness, encouraging us to be proactive rather than reactive in our financial planning. Let's face it, no one wants to be that person who ends up maxing out their credit card for a last-minute gift. By brainstorming side hustle ideas that match our skills and schedules, we can not only lighten our financial load but also pave the way for a more joyful holiday experience. So grab a cup of coffee, kick back, and let’s get ready to make this holiday season a stress-free one! Takeaways: Links referenced in this episode: financiallyconfidentchristian.com LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) SUPPORT THE SHOW 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 Leave A Voicemail Message Buy Ralph's Book -