Motivational Posts

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…

How can I beat the dealership in the finance office? Buying a new car can be an exciting experience, but the finance office at the dealership can often feel like a minefield of hidden fees and high-pressure tactics. Join Ralph Estep Jr. on the Ask …

What is your bank not telling you about using your debit card?  Managing our finances has become increasingly complex. With a lot of payment options available, it can be challenging to determine the safest and most responsible way to handle ou…

How Does My Retirement Balance Compare to Other People of My Same Age? Falling behind in retirement savings can be concerning, but it's not uncommon. It's important to assess your current financial situation and set realistic goals for catching up.…

Am I Paying Too Much For Rent? Rising rent costs can put a serious strain on your budget, making it hard to manage other financial obligations. Finding that balance between affordability and comfort is a challenge many people face as housing prices…

How Do Social Security Survivor Benefits Work? Navigating the complex world of Social Security survivor benefits can be challenging. Understanding who qualifies, how much is available, and when to claim can feel overwhelming. Join Ralph Estep Jr. on…

Should I Play The Bank Bonus Game? It's easy to be tempted by shiny bank bonus offers that promise quick rewards for opening a new account. While the allure of extra cash is strong, it's important to read the fine print and consider the long-term i…

How Am I Going to Pay for The Children's College Education? Worrying about funding your children's college education is a common concern for many parents. Join Ralph Estep Jr. as he introduces creative ways to fund your children's college education…

Should you get a home equity loan or a home equity line of credit? Are you considering tapping into your home equity but unsure whether a home equity loan or a HELOC is the better choice? You're not alone. This decision can be complex, especially w…