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Ask Ralph: Christian Finance

Recent Episodes

Jan. 17, 2025

How do I teach my children about biblical money principles?

Are you worried your children might repeat the same financial mistakes you made growing up? Ralph Estep Jr. addresses this common concern by sharing effective strategies for teaching children biblical money principles that c…
Jan. 16, 2025

Do I have to pay taxes when I sell my home?

Are you worried about a hefty tax bill after selling your home? Ralph Estep Jr. addresses this common concern by sharing the inspiring story of his client, Patrick, who transitioned from panic to peace upon discovering the t…
Jan. 15, 2025

I spent too much at Christmas - how do I pay down my credit card debt?

Are you struggling with the financial aftermath of holiday spending? Ralph Estep Jr. shares the inspiring story of Henry, who turned his $10,000 credit card debt into a debt-free success in just ten months. This episode delv…
Jan. 14, 2025

What is a tax refund loan and why are they such a terrible idea?

Are you considering a tax refund loan because of urgent financial needs? Before you take that leap, it's crucial to understand why these loans can be a costly mistake. Host Ralph Estep Jr. dives deep into the predatory natur…
Jan. 13, 2025

How will I ever be able to buy a home?

Feeling discouraged by rising home prices and overwhelming debt? You're not alone, and there is hope. Ralph Estep Jr. shares how biblical wisdom and practical financial strategies can help you achieve your dream of homeowner…
Jan. 12, 2025

Should Christians invest in the stock market?

Are you grappling with the idea of investing in the stock market while staying true to your Christian values? Ralph Estep Jr. dives into this pressing concern, addressing the common misconception that investing equates to ga…

Recent Blog Posts

How Do I Raise Kids Who Understand Godly Financial Values?

Ask Ralph: How Do I Teach My Children About Biblical Money Principles? Welcome back to “Ask Ralph,” your daily dose of Christian financial wisdom! Today, we tackle a question that's close to the heart of every Christian parent: How do I…

How Can I Minimize Taxes When Selling My House?

Ask Ralph: Do I Have to Pay Taxes When I Sell My Home? Welcome back to “Ask Ralph,” your daily dose of Christian financial wisdom! Today, we're tackling a question that's been on many homeowners' minds: How Can I Minimize Taxes When Sel…

How Do I Regain Financial Stability After Christmas Spending?

Ask Ralph: I Spent Too Much at Christmas - How Do I Pay Down My Credit Card Debt? Welcome back to “Ask Ralph,” your daily dose of Christian financial wisdom! Today, we're tackling a question that might be weighing heavily on many hearts…

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