Ask Ralph Blog

How Do I Respond To Financial Trials and Uncertainty by Using My Faith? Using faith to navigate financial hardship and uncertainty can provide comfort and guidance. Faith can be a powerful tool in both challenging and prosperous times, fostering re…

Is It Possible to Estimate My Future Social Security Benefits? Estimating your future Social Security benefits can feel like peering into your financial future with a mix of hope and uncertainty. The need to understand how much you’ll receive …

How Can I Use Financial “Fasting” to Grow Closer to God? Struggling with your finances and feeling distant from God can be incredibly challenging. The pressure of materialism and constant spending can make it seem impossible to find pea…

How Do I Handle Getting Audited by the IRS? Finding a letter from the IRS saying you're being audited can be incredibly stressful. The fear and uncertainty about what went wrong and what the audit will involve can be overwhelming. It's a situation …

What Are Seven Financial Perks of Maintaining Great Credit? Imagine finding a secret weapon that saves you thousands of dollars every year. This hidden gem could greatly improve your finances, offering unexpected relief and boosting your savings. I…

How can I protect myself from identity theft online? Are you worried about the safety of your personal information online? You're not alone. In today's digital age, protect your online identity is more crucial than ever, especially from a Christian…

Should you get a home equity loan or a home equity line of credit? Are you considering tapping into your home equity but unsure whether a home equity loan or a HELOC is the better choice? You're not alone. This decision can be complex, especially w…

How do I manage poverty, wealth, and material needs with a heavenly mindset? Are you struggling to balance your financial needs with your spiritual life? Are you wondering how to manage wealth or poverty while keeping your eyes on heaven? You're no…

How do I get started walking for fitness – a great interview with David Paul and hisdaily podcast “Walking is Fitness” Do you feel like you're stuck in a fitness rut? Have you wanted to get more active but don't know where to star…

What Are the 401k Beneficiary Rules I Need to Know and Make Sure I Am Aware of When Managing My Retirement Accounts? Understanding the beneficiary rules for your 401K is crucial for ensuring that your retirement savings are distributed according to …