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Ask Ralph: Christian Finance

Recent Episodes

Oct. 15, 2024

What are some of the best online deals banks offer for opening a new account?

Are you feeling undervalued by your current bank? This episode dives into the world of online banking, highlighting the incredible perks and bonuses that could significantly boost your financial situation. Ralph Estep Jr. sh…
Oct. 14, 2024

What are the 5 most common places retirees spend their money in retirement?

Retirement can bring unexpected financial surprises, and understanding where your money is likely to go is crucial for enjoying your golden years. This episode uncovers the five most common areas where retirees tend to spend…
Oct. 13, 2024

How do I effectively embrace God's gift of rest?

Are you feeling overwhelmed and struggling to find peace in your hectic life? Today, Ralph addresses the vital question of how to effectively embrace God's gift of rest. He shares personal insights and practical steps to hel…
Oct. 12, 2024

What are the differences between a revocable and irrevocable trust?

Are you worried about what will happen to your hard-earned assets after you're gone? Understanding the differences between a revocable and irrevocable trust is crucial for protecting your legacy and ensuring your wishes are …
Oct. 11, 2024

What are 9 signs that show that I am financially secure?

Are you truly financially secure, or do you lie awake at night wondering if your savings can handle unexpected expenses? In this episode, Ralph explores what financial security really means, emphasizing that it’s not just ab…
Oct. 10, 2024

Why states with no income tax aren’t as affordable as they may seem?

Are you considering a move to a no-income-tax state, dreaming it will solve all your financial problems? This episode reveals why these states might not be the financial paradise you envision. Host Ralph Estep Jr. shares the…

Recent Blog Posts

What Perks Do Banks Offer for Opening New Accounts Online?

What Are Some of the Best Online Deals Banks Offer for Opening a New Account? Are you tired of your current bank offering lackluster interest rates and minimal perks? It might be time to make banks and credit unions provide a switch and explore the…

What Are the Biggest Financial Priorities for Retirees?

What Are the Top 5 Areas Retirees Spend Their Money On? As you approach retirement, one question often looms: where will all that money you’ve saved go? In a recent The Ask Ralph Podcast episode, host Ralph Estep Jr. tackled this very questio…

What Are the Spiritual Benefits of Taking Time to Rest?

How Do I Embrace God’s Gift of Rest? Practical Steps for Finding Spiritual Balance Are you feeling overwhelmed, constantly running on empty, and struggling to find a moment’s peace? Are you torn between your faith, work, and personal li…

About the Host

Ralph V. Estep, Jr. Profile Photo

Ralph V. Estep, Jr.

Accountant, Author, Farmer and Podcast Host

Ralph V. Estep, Jr. is a highly accomplished professional with a diverse background in finance, accounting, technology, and entrepreneurship. As the principal at Saggio Management Group, Inc., he has demonstrated exceptional leadership and expertise in various roles throughout his career.

Ralph's educational journey began at St. Mark's High School in Newark, Delaware before attending the University of Nebraska where he was an esteemed member of the Cornhusker Marching Band and had the privilege of performing at the Florida Citrus Bowl in Orlando.

Continuing his pursuit of knowledge and excellence, Ralph earned a Bachelor of Science Degree in Accounting from the University of Delaware. He further expanded his academic achievements by obtaining a Master's in Business Administration from Wilmington University.

Throughout his professional journey, Ralph has been recognized for his outstanding accomplishments and commitment to excellence. He is a member of prestigious organizations such as the Golden Key National Honor Society and Beta Gamma Sigma International Business Honor Society.

With an extensive range of professional designations including Licensed Public Accountant (LPA), Accredited Business Accountant (ABA), Accredited Tax Advisor (ATA), Accredited Tax Preparer (ATP), and Internal Revenue Service Registered Tax Preparer (RTRP), Ralph possesses comprehensive expertise in tax preparation and financial management.

Beyond his impressive qualifications, Ralph has actively engaged with various community programs as bo… Read More