BOOK A CALL WITH RALPH
Ask Ralph: Christian Finance

Recent Episodes

Nov. 6, 2024

What are 7 credit card debt myths that nobody should believe?

Are you feeling overwhelmed by credit card debt? You’re not alone—many people are trapped by misconceptions about credit cards that can lead to costly mistakes. Ralph dives into seven dangerous credit card myths that could b…
Nov. 5, 2024

What are the best cash apps and what are best practices for using them?

Sending money through cash apps can be nerve-wracking, especially with the risk of scams that can lead to significant financial losses. Ralph shares a cautionary tale about a client who lost $5,000 to a cash app scam, highli…
Nov. 4, 2024

What are the biggest financial challenges for those couples retiring at different times?

Navigating retirement can be a complex journey, especially for married couples with significant age differences. This podcast dives into real stories of couples who have successfully managed different retirement timelines, h…
Nov. 3, 2024

How do I find joy in the midst of trouble?

Finding joy amidst life's troubles can feel like an impossible task, but this podcast dives deep into how we can navigate these challenging times. Ralph addresses a heartfelt question from a listener named Vanessa, who is gr…
Nov. 2, 2024

What are the best ways to save money when selling a home?

Discover how to save thousands when selling your home in this enlightening episode of the Ask Ralph Podcast. Ralph shares valuable insights and real-life success stories from clients who navigated the home-selling process, i…
Nov. 1, 2024

What do I do if I find myself house rich and cash strapped as an older American?

Feeling financially trapped in a home you love but can't afford to maintain is a common struggle for many older Americans. This podcast tackles the critical issue of being house rich but cash poor, exploring the emotional an…

Recent Blog Posts

Can Closing Credit Cards Actually Hurt Your Credit Score?

What are 7 credit card debt myths that nobody should believe? Do you feel like you're drowning in credit card myths that are doing more harm than good? In Episode 311 of the Ask Ralph Podcast, Ralph Estep Jr. delves into seven prevalent credit card…

What Are the Best Cash Apps and How Can You Use Them Securely?

Are Cash Apps Safe for Your Business? Do you need help with using cash apps for business transactions? In Episode 310 of the Ask Ralph Podcast, Ralph Estep Jr. discusses why relying on cash apps may be risky for business owners. With stories of sca…

How Can Couples Plan for Retirement with Different Timelines?

How Can Couples with an Age Gap Navigate Retirement? Are you or your partner nearing retirement but at different paces? Retiring at other times can present unique financial and lifestyle challenges. In Episode 309 of the Ask Ralph Podcast, financia…

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