Ask Ralph Blog

What are ten things I should never do with my credit card? Managing credit card debt can feel like an uphill battle, especially when bad habits keep you stuck in a cycle of minimum payments and growing balances. In this episode of The Ask Ralph Pod…

How Can I Find Joy in My Daily Routine? Finding joy in daily routines can feel daunting, primarily when life revolves around repetitive tasks and responsibilities. Join Ralph Estep Jr. in this The Ask Ralph Podcast episode as he explores practical …

How do I live out my Christian Faith through my finances? Living out your Christian faith through your finances involves aligning your financial decisions with your values and beliefs. This can include practicing generosity by giving to your church …

Why Does a Good Credit Score Matter Even in Retirement? As we transition into retirement, many assume that their credit score is no longer a factor. However, in Episode 264 of the Ask Ralph Show, Ralph Estep Jr. sheds light on why maintaining a goo…

How can I keep from burdening my heirs with an inherited IRA? Protecting your loved ones from a hefty tax bill when they inherit your IRA can be a complex concern. The tax implications of inheriting an IRA can be significant, and navigating the rul…

What Happens to Your Debts After You Die? Understanding how your debts are managed after your death is crucial for effective estate planning. In Episode 262 of the Ask Ralph Show, Ralph Estep Jr. addresses this significant concern, providing insigh…

Why Should You Still Write Checks? 9 Reasons to Consider In an age dominated by digital payments, you might wonder if there’s still a place for writing checks. In Episode 261 of the Ask Ralph Show, Ralph Estep Jr. dives into why checks contin…

Introduction: The Challenge of Financial Disagreements In today's episode, Ralph Estep Jr. addresses a critical issue many couples encounter: managing finances together. He introduces the episode with a relatable scenario where financial disagreeme…

How do I work at cultivating Christian community?  Feeling isolated in your financial struggles can be overwhelming, especially when you wish for a supportive group of fellow believers to share your experiences with. In this episode of the Ask…

What are 5 regrets of Americans who called it quits too early by retiring? Retiring early can bring about mixed feelings, especially if concerns about financial stability arise. It's important to assess your current financial situation, including s…