Ask Ralph Blog

Overcoming the Fear of Retirement: Faith, Planning, and Practical Steps Are you feeling excited or anxious about retirement? Do you imagine peaceful days and financial security, or are you worried about running out of money? If you're more worried,…

Navigating the End of Your Auto Lease: A Practical Guide Is your car lease about to end, leaving you unsure what to do next? Many people face this dilemma, struggling to turn in their leased car, buy it, or lease another one. The end of a car lease…

Time to Fly Solo: Encouraging Maturing Children Towards Self-Reliance Having grown kids living at home can be challenging as you navigate the balance between support and fostering independence. Open and honest communication about expectations and f…

Maximizing Your Retirement Income with Strategic RMD Planning Navigating Required Minimum Distributions (RMDs) can be confusing, especially when trying to manage them effectively in retirement. It's important to understand the rules and deadlines t…

AI Lending Exposed: Balancing Technology with Human Touch in Financial Decisions Introduction and Episode Overview Have you ever wondered if a robot could decide whether you're worthy of getting a loan? Well, it sounds like something out of a sci-…

The Alarming Effects of Smartphone Overuse on Children Many parents worry that their kids are becoming addicted to smartphones, an increasingly common concern in today's digital age. Excessive screen time can impact children's social skills, sleep …

Navigating Debt: Debt Relief Options Explained Drowning in debt and facing constant collection calls can be incredibly stressful. It's important to create a realistic plan to tackle your debt, which might include budgeting, negotiating with credito…

Break Free from Financial Guilt Feeling weighed down by guilt over past financial mistakes and losing sleep over debt can be overwhelming. It's important to remember that everyone makes mistakes, and the key is to learn from them and move forward. …

Effective Strategies for Overcoming Burnout As an entrepreneur, it's easy to feel overwhelmed by the endless responsibilities and demands of your business, often leaving little time for yourself and your loved ones. This constant juggling act can l…

Gaining Clarity, Achieving Your Goals, and Finding Peace: Utilizing the Power of Budgeting Feeling like you're just treading water with your finances despite hard work can be disheartening. Constantly reacting to unexpected expenses instead of havi…