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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 ...
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Hi, I’m Whitney Owens. I am a group practice owner and faith based practice consulting and I’m here to tell you that YOU CAN HAVE IT ALL. Want to grow your practice? Want to grow your faith? Want to enjoy your life outside of work? You have come to the right place. Each week on the Wise Practice Podcast I will give you the action steps to have a successful faith based practice while also having a good time. Let’s get started.
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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…
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Best Efficiency Tips for your Business with Michael Ashford, Director of Marketing at The Receptionist | WP88
35:20
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Building a Successful Faith-Based Practice and Achieving Efficiency with Michael Ashford In this episode of the Wise Practice Podcast, host Whitney Owens interviews Michael Ashford, the Director of Marketing at The Receptionist in Denver, Colorado. Michael shares his insights on growing a faith-based practice, the importance of effective communicat…
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Should I get a no credit check or other online loan?
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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…
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What is a home warranty and should I have one?
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13:17
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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…
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How do I become debt free through Godly wisdom and discipline?
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9:47
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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…
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What should I keep in my safe deposit box? Do I even need one?
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8:56
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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…
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What do I do when I inherit property with someone else?
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10:23
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Inheriting a property with someone else, such as a sibling or co-owner, can be an emotionally charged situation rife with potential problems, pains, and frustrations. Managing shared inheritance involves navigating complex legal and family dynamics - but it doesn't have to result in conflict if you take the right approach. In this episode, Ralph Es…
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How many years can the IRS audit my returns?
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10:05
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As a taxpayer, knowing the IRS audit time limits is essential to avoid any surprises. Familiarizing yourself with these time limits and diligently maintaining good record-keeping practices will protect you from unforeseen complications during an audit process. In this episode, Ralph Estep Jr. discussed strategies for minimizing the risk of IRS audi…
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How can you manage unexpected expenses without getting trapped in a debt cycle?
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9:21
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Are you tired of living paycheck to paycheck and want more financial freedom but don't know how to get extra cash without falling into a debt trap? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he offers great options to avoid high-interest personal loans and manage unexpected expenses without getting trapped in debt. Nee…
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Thrive & Bill: Using Thrizer to Master Out-of-Network Billing with Sanjana Sathya | WP 87
33:59
33:59
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Streamlining Faith-Based Therapy: Thrizer's Revolutionary Billing Solution In this episode of the Wise Practice Podcast, Whitney Owens, a group practice owner and faith-based practice consultant, discusses how faith-based practice owners can grow their practices, and enjoy their lives. She introduces Thrizer, a cutting-edge company that simplifies …
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What is an ETF and is it a safe investment for me?
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Have you ever wondered what an ETF is and if it's a safe investment for your portfolio? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he explains all about this common type of investment and explores how it aligns with your financial goals and Christian values. What is an ETF and is it a safe investment for me? with Ralph…
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Are Credit Counseling Services Really a Scam or Do They Help People in Debt?
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10:04
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When you're overwhelmed by debt, credit counseling services can seem like a lifeline. But how do you know if they're legitimate or just another scam? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he explores the truth behind credit counseling services. Are Credit Counseling Services Really a Scam or Do They Help People in…
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How Can You Balance Wealth and Generosity Biblically?
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11:16
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When balancing wealth and generosity, have you ever felt torn between enjoying financial success and staying true to your Christian values? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he discusses how to navigate this challenging yet important aspect of Christian living. How Do I Balance Money, Possessions, and Generosi…
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How Can Small Business Owners Increase Their Company's Value?
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36:58
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Are you a small business owner feeling stuck and unsure of how to increase the value of your business? Do you find yourself overwhelmed by the day-to-day tasks and unable to step back from operations? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. and guest David Chudyk, as they discuss the challenges many entrepreneurs face …
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Should You Put Money Down on Your Next Car Purchase?
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When deciding on a car purchase, have you ever felt torn between making the financially optimal choice and the option that would give you the most peace of mind? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he discusses whether to make a down payment on your next car purchase. Should You Put Money Down on Your Next Car P…
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What Really Happens If You Cheat on Your Taxes?
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18:09
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Have you ever been tempted to cut corners on your taxes? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he discusses common tax evasion methods, how the IRS catches tax cheats, and the severe penalties for intentional tax fraud to encourage listeners to file their taxes honestly and with integrity. What Really Happens If Y…
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Are You Prepared for the Unexpected Expenses of Maintaining a Home?
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Imagine you finally get your dream house. You got approved for a mortgage, signed all the papers, and now you have the keys in your hand. But wait, is owning a house really that easy? What about all those extra costs that might pop up unexpectedly? Well, in this episode of the Ask Ralph podcast, Ralph Estep Jr. is going to talk about all those hidd…
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Most Common Mistake Made When Purchasing or Leasing Office Space with Colin Carr | WP86
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Avoid Common Pitfalls When Leasing or Buying Office Space with Colin Carr In this episode of the Wise Practice Podcast, Whitney Owens, a group practice owner and faith-based consultant, discusses common mistakes in leasing and buying office space with Colin Carr, the founder and CEO of Carr, the leading provider of commercial real estate services f…
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How FDIC Insurance Protects Your Bank Deposits?
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12:11
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Have you taken the time to verify that your bank accounts are fully covered by FDIC insurance? What steps would you need to take if your deposits exceeded the $250,000 insurance limit? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he discusses the important but often overlooked topic of FDIC insurance and its crucial role…
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How to Navigate Credit Card Offers Wisely and Avoid Common Traps
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8:46
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Have you ever been enticed by a credit card offer that seemed too good to be true? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he dives into the world of credit card perks, helping you separate the blessings from the burdens. Discover how to maximize credit card benefits while avoiding the pitfalls that can lead to debt…
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How to Prepare for a Fear-Free Retirement with Practical and Spiritual Guidance
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10:31
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Does the thought of retirement fill you with excitement or dread? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he addresses common fears retirees face, such as outliving savings, healthcare costs, inflation, and loss of purpose. Learn how to overcome these fears with faith-based guidance and practical financial strategie…
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Are you confused about what to do when your car lease ends? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he addresses the common dilemma faced by many: what do I do when my car lease ends, should you turn in your leased car, buy it, or lease another one? Ralph discusses the pros and cons of each option, providing valuabl…
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How go I get my adult children to leave the nest?
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Do you have grown kids living at home and you're finding it challenging? Want to help them move out and become independent but not sure how to do it in a kind and supportive way? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he explores 10 practical yet biblically grounded strategies to help your adult kids spread their w…
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What are Required Minimum Distributions or RMDs?
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11:03
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Are you confused about Required Minimum Distributions and how to manage them effectively in retirement? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he addresses common problems retirees face regarding RMDs, such as heavy tax penalties for non-compliance and uncertainty around minimizing taxes. Navigating RMDs for a Stre…
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Could AI in Lending Hurt Your Chances of getting a loan?
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Want to know how AI is changing the way lending works? Curious about the effects of algorithms assessing your creditworthiness? Join Ralph Estep Jr. in this episode of the Ask Ralph Podcast as he explores the intersection of AI and lending and the balance between technology and human empathy. Technology, Human Touch, and Christian Principles: AI an…
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How to Network with Pastors with Cameisha Brewer | WP85
34:51
34:51
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Building Strong Relationships Between Therapists and Churches In this episode of the Wise Practice Podcast, Whitney Owens, a group practice owner and faith-based practice consultant, interviews Cameisha Brewer, a therapist, speaker, and author. They discuss practical strategies for therapists to build relationships with pastors and churches, emphas…
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Setting Limits on Smartphone Use to Help Children Thrive in a Digital World
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8:16
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Are your kids addicted to using their smartphones? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he discusses concerns that excessive smartphone use can negatively impact children's development. The Alarming Effects of Smartphone Overuse on Children with Ralph Estep, Jr. In this episode of the Ask Ralph Podcast, host Ralp…
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