Motivational Posts

What are 5 things to consider before buying groceries with my credit card? Are you reconsidering how you use your credit card for groceries? In Episode 323 of the Ask Ralph Podcast, Ralph Estep Jr. discusses key insights on mindful credit card use …

My parents failed to plan for retirement and now are 70 - what can I do to help them? Are your parents' financial struggles weighing on your mind? In Episode 321 of the Ask Ralph Podcast, Ralph Estep Jr. discusses practical ways to assist aging par…

How Can Couples with an Age Gap Navigate Retirement? Are you or your partner nearing retirement but at different paces? Retiring at other times can present unique financial and lifestyle challenges. In Episode 309 of the Ask Ralph Podcast, financia…

Are You Following These 5 Proven Strategies to Stay Wealthy? Are you wondering how some people seem to effortlessly maintain their wealth while others struggle to hold onto their financial success? In Episode 302 of the Ask Ralph Podcast, host Ralp…

What to Do if You Outlive Your Life Insurance In episode 295 of The Ask Ralph Show, Ralph Estep Jr. tackles a question many don’t think about until it’s too late: what happens if you outlive your life insurance? If you’ve been pay…

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…

What Are the 7 Common Traits of Americans Who Can Never Retire? Some Americans work their entire lives and are still unable to retire comfortably. Why does this happen? In Episode 274 of the Ask Ralph Show, Ralph Estep Jr. tackles the question, Wha…

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…

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…

What are the best money lessons to teach your kids? Raising financially savvy kids starts with teaching them essential money lessons early. In the latest episode of the Ask Ralph Show, Ralph Estep Jr. explores effective ways to introduce children t…