Personal Finance Posts

Is the 30% Rule for Housing Costs Still Wise Today? The 30% rule has long been a cornerstone of personal finance, advising that no more than 30% of one's gross monthly income should be allocated to housing expenses. This includes rent or mortgage p…

Are You Sacrificing Your Future by Taking Social Security Too Soon? Retirement. It's a time many of us dream about – a time to relax, enjoy hobbies, and spend more time with loved ones. But with retirement come important financial decisions 1…

Are You Truly Ready to Retire, or Are These Financial Habits Holding You Back? Retirement. It's the golden dream many of us work towards for decades1. A time to finally relax, enjoy the fruits of our labor, and spend our days pursuing passions and …

What Happens to Your Debt When You're No Longer Here? Imagine this: you've just lost a loved one, and amidst the grief and emotional turmoil, you're suddenly faced with the daunting task of sorting through their finances. To your surprise, you disc…

Mastering Your Finances: A Christian Perspective Welcome back to Ask Ralph – Christian Finance, where we explore the intersection of faith and finances. Today, we'll delve into three crucial aspects of financial stewardship: how diligence and…

Which Retirement Expenses Should You Never Cut Corners On? Retirement. That blissful period of life where work takes a backseat and you're free to pursue passions and hobbies. But with this newfound freedom comes the responsibility of managing your…

How Do You Safeguard Family Wealth From the Grip of Slot Machines? Slot machines, with their flashing lights and the promise of quick riches, can be a dangerous temptation, especially for those struggling with addiction. For Christians, the Bible o…

Should You Always Pay Cash, or Is There a Better Way? In our consumer-driven society, we're constantly bombarded with messages urging us to spend, spend, spend. Credit cards, store cards, and "buy now, pay later" schemes make it feel like everyone …

Ask Ralph – Christian Finance: Home Equity Loans, Grocery Savings, and Everyday Expenses Are you tired of feeling like your money is slipping through your fingers? Do you ever wonder where it all goes at the end of the month? Many people face…

Can My Marriage Survive the Secret of My Financial Infidelity? Imagine discovering a secret credit card statement with thousands of dollars in charges you didn't know about. How would you feel? What would you do? This is the reality for many couple…