Ask Ralph Blog

Is Your Estate Plan Secure? Understanding Revocable vs. Irrevocable Trusts Are you concerned about what will happen to your assets after you're gone? Wondering how to protect your family from a legal nightmare? In a recent, The Ask Ralph Podcast ep…

Are You Truly Financially Secure? 9 Signs That Show You Are Are you lying awake at night wondering if you’re genuinely financially secure? Do you have some money saved but are still uncertain about your financial future? In a recent episode o…

Maximizing Your Savings: Why Might No Income Tax States Not Be the Best Choice? Are you tempted by the allure of moving to a state with no income tax, dreaming it will resolve all your financial worries? You’re not alone. In the latest episod…

Should You Lend Money to Family and Friends? A Guide to Managing Emotions and Taxes Have you ever found yourself in an awkward position where a friend or family member asks you for a loan? It’s not just the financial risk that comes into play…

How Can You Maximize Your Savings and Budgeting Success? Are you struggling to stick to your budget? You're not alone if you find yourself overspending and feeling like your financial goals are out of reach. In the latest episode of The Ask Ralph P…

Are You Maximizing Your Savings with the Right CD Strategy? Investing might seem easy—choose a stock, bond, or Certificate of Deposit (CD), and let your money grow. But what if your investments aren’t delivering the expected results, or…

Are You Apologizing the Right Way? Apologizing seems simple, right? Just say, "I'm sorry," and everything should be fine. But what if your apologies don’t feel genuine or don’t resolve the tension in your relationship? In this episode o…

Are You Following the Right Financial Advice? When it comes to financial advice, not all recommendations are created equal. Have you ever received advice that just didn’t sit right with you? Whether from well-meaning friends, family members, …

How Frugality Can Be Your Secret Weapon in Investing Investing often seems like a riskier step for those who have practiced frugality all their lives. After all, being careful with money is how you've built your savings. But what if being frugal is…

What Should You Consider When Choosing Between a Lump-Sum or Annual Retirement Payout? Retirement brings plenty of financial decisions, and one of the biggest is how to receive your savings. In this episode of The Ask Ralph Podcast, financial exper…