))
Are you a Christian longing to honor God in every aspect of your life, including your finances? The Ask Ralph Podcast is your guide to finding financial freedom, making wise money decisions, and aligning your resources with your faith. Your host, Ralph Estep, Jr., brings a unique combination of expertise and genuine experience to the table. He's an accountant, a business coach, a podcast host, an author, a farmer – but above all, a husband, father, and a man seeking to follow Jesus wholehear ...
…
continue reading
1
How do I make sure I’m not filing a false tax return with the IRS?
9:33
9:33
Play later
Play later
Lists
Like
Liked
9:33
Do you ever find yourself torn between taking easy shortcuts and staying honest when filing taxes? Listen to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he shares tips on filing taxes truthfully and steering clear of IRS issues. How to not file a false return and File Taxes Honestly and Avoid IRS Trouble? with Ralph Estep Jr. In t…
…
continue reading
1
What are some faith-based investing principles and tools I can use to grow my investments and maintain my faith?
11:08
11:08
Play later
Play later
Lists
Like
Liked
11:08
Have you ever wondered if you can grow your investments while staying true to your Christian faith? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he discusses faith-based investing principles and tools to help you align your financial decisions with your beliefs.What are some faith-based investing principles and tools I c…
…
continue reading
Is a bad credit score dragging you down and making it hard to reach your financial goals? Fixing bad credit might seem tough, but it doesn't have to be. Tune into Ralph Estep, Jr. on the Ask Ralph Podcast for clear steps to improve your credit, all while keeping faith at the forefront. How Do I Repair My Bad Credit? With Ralph Estep Jr. In this sho…
…
continue reading
1
What does biblical tithing actually mean and how do I develop a giving plan based on biblical principles?
11:58
11:58
Play later
Play later
Lists
Like
Liked
11:58
Have you ever wondered if you're giving enough to your church? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he discusses the biblical principles of tithing and how to develop a giving plan that aligns with your faith and financial goals. What Does Biblical Tithing Actually Mean? with Ralph Estep Jr. Today, Ralph talks ab…
…
continue reading
1
What are the 8 types of homeowners insurance and which should I have for my home?
11:26
11:26
Play later
Play later
Lists
Like
Liked
11:26
Are you confused about which homeowners insurance is best for your home? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he explains the eight different types of homeowners insurance you need to know about. What are the 8 Types of Homeowners Insurance You Need? | Ask Ralph Podcast In this episode of the Ask Ralph Podcast, h…
…
continue reading
1
Is it better to rent or buy a home? How do I decide what’s best for me?
10:51
10:51
Play later
Play later
Lists
Like
Liked
10:51
Are you losing sleep over the age-old question: should you rent or buy a home? Imagine the pressure of everyone telling you homeownership is the key to financial security and the American Dream. But with soaring interest rates and skyrocketing costs, is it all it's cracked up to be? What if tying yourself down to one place isn't the right move for …
…
continue reading
1
What is the Secure Act 2.0 and how does this affect my retirement?
8:57
8:57
Play later
Play later
Lists
Like
Liked
8:57
Are you feeling overwhelmed by the complexities of retirement planning? Does mentioning new legislation like the SECURE Act 2.0 make your head spin? In a world where financial security seems increasingly elusive, many of us are left wondering how to prepare for a comfortable retirement when I'm struggling to keep up with today's expenses. Listen to…
…
continue reading
1
My credit score has dropped below 700, what do I need to stop doing right away to improve my credit score?
11:34
11:34
Play later
Play later
Lists
Like
Liked
11:34
Are you frustrated by unexpected drops in your credit score? Do you feel like you're doing everything right, yet your score still takes a hit? Many people struggle with maintaining a good credit score, even when they think they follow all the rules. Imagine checking your credit score one day only to find it has plummeted below 700 points for no app…
…
continue reading
1
What are the best online sources for online banking, bill payment and what are best ways to keep from gettng scammed?
11:55
11:55
Play later
Play later
Lists
Like
Liked
11:55
Does the idea of online banking make you uneasy? Are you worried that one wrong click could lead to financial disaster? Managing your money online can feel like navigating a minefield in today's digital age. With the constant threat of scams, fraud, and cyber attacks, it's no wonder many people are hesitant to embrace digital financial tools. Liste…
…
continue reading
1
How do I select the credit card which is best for me?
7:50
7:50
Play later
Play later
Lists
Like
Liked
7:50
Are you confused by all the credit card offers you get? Do you want to use credit cards wisely without getting into debt? It can be hard to pick the right card when there are so many choices and rewards. If you're new to credit cards, you probably want to find the best one for you and learn how to use it well. Listen to Ralph Estep, Jr. on the Ask …
…
continue reading
1
How do I stop battling comparison with others and find contentment in Christ?
10:15
10:15
Play later
Play later
Lists
Like
Liked
10:15
Are you tired of feeling inadequate when scrolling through social media? Do you constantly compare your financial situation to others, wondering why God hasn't blessed you similarly? Many of us struggle with the painful comparison cycle, which leaves us questioning our worth and blessings. Tune into this episode of the Ask Ralph Podcast with Ralph …
…
continue reading
1
How do I evaluate my life insurance needs? How much life insurance do I really need?
11:32
11:32
Play later
Play later
Lists
Like
Liked
11:32
How do you evaluate your life insurance needs? Are you confused about the differences between term and whole-life policies? Life insurance is a crucial safety net for our future. It allows us to have peace of mind regarding the financial needs of our loved ones. However, understanding its process and why you need it can be a struggle. In this episo…
…
continue reading
1
When is the right time to refinance my home?
11:33
11:33
Play later
Play later
Lists
Like
Liked
11:33
Are your house payments making you feel stuck? Want to make your money work better for you? Refinancing might help, but it can be challenging. Tune in to this episode of the Ask Ralph Podcast with Ralph Estep, Jr., as he tackles the complex world of mortgage refinancing and addresses common frustrations and concerns. When is the right time to refin…
…
continue reading
1
What are these FICA taxes taken out of my paycheck and what is the trust fund?
9:41
9:41
Play later
Play later
Lists
Like
Liked
9:41
Do you get upset when you see a big chunk of your pay taken out? Are you confused about FICA taxes? Don't worry; you're not the only one. Many people, especially those new to working, wonder where their money goes and if they'll get it back. In the Ask Ralph Podcast episode, Ralph Estep Jr. talks about FICA taxes taken and how they relate to Social…
…
continue reading
1
What are the 10 secret savings rules which they didn’t teach you in school?
12:54
12:54
Play later
Play later
Lists
Like
Liked
12:54
Do you ever feel like you should have learned some key money management skills back in school? Are you frustrated by how quickly your paycheck seems to vanish, leaving little to nothing for savings? Many of us struggle with the same issue—wondering where our money goes and how we can stash away more of it. This episode of the Ask Ralph Podcast with…
…
continue reading
1
What are some apps I can use to rebuild my credit?
11:28
11:28
Play later
Play later
Lists
Like
Liked
11:28
Are you struggling with a low credit score that feels like an insurmountable obstacle? Have you ever felt overwhelmed by the power those three little numbers hold over your financial future? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he discusses credit repair apps and strategies for rebuilding credit. What Are Some Ap…
…
continue reading
1
What are the ten money habits which are hurting my relationships?
13:16
13:16
Play later
Play later
Lists
Like
Liked
13:16
Are money issues straining your relationships? You're not alone. From financial infidelity to impulsive spending, these destructive patterns are silently eroding trust and intimacy in households across America. But what if there was a way to turn this around? This episode of the Ask Ralph Podcast with Ralph Estep Jr. delves into the thorny intersec…
…
continue reading
1
How can I make work and career decisions according to Gods will?
7:36
7:36
Play later
Play later
Lists
Like
Liked
7:36
Are you struggling to navigate your career path while staying true to your faith? Are you torn between pursuing professional success and honoring God's will for your life? Many Christians grapple with these questions, trying to figure out how to balance their ambitions with their spiritual convictions. This episode of the Ask Ralph Podcast with Ral…
…
continue reading
Are you drowning in debt, dreading every phone call for fear it's another relentless collector? Do you feel trapped in a financial nightmare with no way out? If so, you're not alone. Debt in collections can cast a dark shadow over your life, leaving you stressed, overwhelmed, and questioning your financial future. This episode of the Ask Ralph Podc…
…
continue reading
1
Is it safe to invest in precious metal IRAs?
9:52
9:52
Play later
Play later
Lists
Like
Liked
9:52
Are you frustrated by the stock market's ups and downs and looking for a more stable investment for your retirement? Imagine retiring with a nest egg made of solid gold or silver, immune to the whims of the stock market. Sounds ideal, doesn't it? With the allure of precious metals, IRAs are undeniable—promising stability and a hedge against inflati…
…
continue reading
1
How do I handle taxes when I work in multiple states?
12:21
12:21
Play later
Play later
Lists
Like
Liked
12:21
You may be tired of dealing with multi-state tax compliance. If you are under the threat of double taxation and penalties, it can be a severe headache. Crossing state lines when working is a sure trainwreck of taxes gone wrong. This episode of the Ask Ralph Podcast with Ralph Estep Jr. is here to untangle your web of multi-state tax obligations. Ho…
…
continue reading
Side gigs and side businesses have become increasingly popular ways to earn extra income. However, many entrepreneurs still need to know the complex web of local laws and regulations governing these operations. Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he shares how seemingly harmless side businesses can unwittingly b…
…
continue reading
1
Should I get a no credit check or other online loan?
14:06
14:06
Play later
Play later
Lists
Like
Liked
14:06
When financial pressures mount and your balance is dwindling, what's your next move? You might think about getting a fast online loan. But, are no credit check loans and payday loans really smart choices, or are they traps? Should we ever consider such online loans as feasible options? Tune in to this episode of the Ask Ralph Podcast with Ralph Est…
…
continue reading
1
What is a home warranty and should I have one?
13:17
13:17
Play later
Play later
Lists
Like
Liked
13:17
Are you tired of worrying about expensive home repairs and replacements that could cost thousands of dollars? Have you ever wondered if there was a way to get peace of mind when owning a home? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr., as he will discuss how home warranties can help protect your budget from the unexpecte…
…
continue reading
1
How do I become debt free through Godly wisdom and discipline?
9:47
9:47
Play later
Play later
Lists
Like
Liked
9:47
Are you drowning in debt and feeling like there's no way out? You're not alone - many people feel overwhelmed by their debt load, and getting ahead is impossible. But there is hope! How do you become debt free through Godly wisdom and discipline? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he shares how he discovered pr…
…
continue reading
1
What should I keep in my safe deposit box? Do I even need one?
8:56
8:56
Play later
Play later
Lists
Like
Liked
8:56
Are your most precious possessions safe? Do you worry about losing important documents like your will or property deeds in a disaster? Should you keep it in your safe deposit box? Do you even need one? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he delves into the pros and cons of using safe deposit boxes to protect you…
…
continue reading
