Ask Ralph Blog

What Are 10 Expenses I Can Drop Immediately And Not Even Miss Them? Feeling like your money is slipping right through your fingers can be incredibly frustrating. It's easy to feel out of control when expenses seem to pile up and savings dwindle. Jo…

Should I Take a Digital Sabbath and How I Do It? As a devoted Christian, balancing your digital life with your faith can be challenging. It's about finding ways to manage your technology use efficiently while ensuring your actions align with your s…

Should I Play The Bank Bonus Game? It's easy to be tempted by shiny bank bonus offers that promise quick rewards for opening a new account. While the allure of extra cash is strong, it's important to read the fine print and consider the long-term i…

Am I Too Far Gone For Forgiveness? If you feel burdened by guilt and shame, thinking your mistakes are too big to be forgiven, you're not alone. Join Ralph Estep Jr. on the Ask Ralph Show as he explores the heart of redemption and forgiveness from …

How Can High-Income Individuals Optimize Their Taxes? As a high-income earner, optimizing your taxes while staying true to your Christian values can be a delicate balance. It's about finding ways to manage your finances efficiently while ensuring y…

What Is Meant By The Social Security Earnings Cap and How Does That Affect My Future Benefits? If your Social Security benefits are less than expected, there could be several reasons for this discrepancy. Join Ralph Estep Jr. on the Ask Ralph Show …

What Is The Tax Impact of Gifting Someone Stock? Gifting stocks can have significant tax implications. Understanding these effects is crucial, as both the giver and receiver may face tax considerations. Join Ralph Estep Jr. on the Ask Ralph Show as…

How Do I Rebuild My Credit After A Financial Crisis? Rebuilding credit after a financial crisis can be a challenging and stressful process. It involves patience, persistence, and careful financial planning. Join Ralph Estep Jr. on the Ask Ralph Sho…

How Do I Set Healthy Boundaries With Social Media From A Godly Perspective? Struggling with social media addiction and its impact on your life? Join Ralph Estep Jr. on the Ask Ralph Show as he delves into setting healthy boundaries with social medi…

How Am I Going to Pay for The Children's College Education? Worrying about funding your children's college education is a common concern for many parents. Join Ralph Estep Jr. as he introduces creative ways to fund your children's college education…