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Ask Ralph: Christian Finance

Recent Episodes

Nov. 20, 2024

What are 7 things I can do to get the highest price when selling my car?

Are you leaving thousands of dollars on the table when selling your car? Today, Ralph shares a compelling story about a client named Bill, who transformed a $12,000 trade-in offer into an impressive $17,500 through a private…
Nov. 19, 2024

I’ve been scammed online – what are 5 things I should do immediately?

Have you ever fallen victim to an online scam, leaving you feeling helpless and ashamed? Today, Ralph Estep Jr. shares vital steps you can take in the first 24 hours after being scammed to regain control and begin the recove…
Nov. 18, 2024

What are 5 things to consider before buying groceries with my credit card?

Are you feeling trapped in a cycle of credit card debt, especially when it comes to everyday expenses like groceries? Ralph Estep Jr. tackles this issue head-on, sharing five crucial considerations for using credit cards wis…
Nov. 17, 2024

How can I build effective Christian unity?

Building Christian unity is essential for strengthening both faith and finances within church communities, and today, Ralph dives into this important topic. He addresses a listener's concerns about division in her local chur…
Nov. 16, 2024

My parents failed to prepare for retirement and are now 70 – what can I do to help them?

Are you worried about your aging parents' financial situation? This episode of the Ask Ralph Podcast dives into practical ways to support them, especially if they haven't adequately prepared for retirement. Ralph Estep Jr. e…
Nov. 15, 2024

Why don’t I feel like I’m doing well financially – even though I am according to most experts?

Feeling financially secure on paper but unsettled inside is a common struggle that many face, as highlighted by Shannon's heartfelt letter. Despite earning a solid income, having emergency savings, and contributing to retire…

Recent Blog Posts

What Are Essential Steps to Sell My Car for the Best Price?

What are 7 things I can do to get the highest price when selling my car? Are you wondering if you’re getting the best deal when selling your car? This question often plagues sellers, but in Episode 325 of the Ask Ralph Podcast, Ralph Estep Jr…

How Can You Recover Quickly After Falling Victim to an Online Scam?

I’ve been scammed online – what are 5 things I should do immediately? Are you equipped to handle the financial and emotional toll of online scams? In this episode of the Ask Ralph Podcast, Ralph Estep Jr. delves into strategic steps to …

What to Know Before Using Your Credit Card for Groceries?

What are 5 things to consider before buying groceries with my credit card? Are you reconsidering how you use your credit card for groceries? In Episode 323 of the Ask Ralph Podcast, Ralph Estep Jr. discusses key insights on mindful credit card use …

About the Host

Ralph V. Estep, Jr. Profile Photo

Ralph V. Estep, Jr.

Christian Financial Consulting

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