Motivational Posts

Why Should I Choose a Credit Union over a Traditional Bank? In today’s world, choosing the right financial institution is more important than ever. If you’re deciding between a credit union and a traditional bank, understanding the diff…

What are 11 tips to go from living paycheck to paycheck into true wealth building? Are you tired of feeling like there’s never enough money to go around? Living paycheck to paycheck can be exhausting, leaving little room for savings, investme…

How Much Cash Should I Keep on Hand Once I Retire? Retirement is a time for enjoying life, not worrying about financial surprises. But how much cash should you keep on hand to stay secure? In this blog post, inspired by The Ask Ralph Show, we&rsquo…

What Percentage of Your Salary Should You Save for Retirement? Retirement planning often feels like a daunting task, especially when it comes to figuring out how much of your salary you should save. What percentage of my salary should I be putting …

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…