Personal Finance Posts

What are the top financial tips for transitioning into retirement? Retirement can be an exciting yet daunting transition. In this episode of The Ask Ralph Show, host Ralph Estep Jr. shares 10 Financial Tips for Transitioning into Retirement to help…

Should I Refinance My Auto Loan And How Do I Even Do It? A car payment that eats up your budget can feel like a heavy burden, making it seem like you're driving down the road to financial ruin. The strain of a large monthly payment can limit your fi…

What Is Meant By The Social Security Earnings Cap and How Does That Affect My Future Benefits? If your Social Security benefits are less than expected, there could be several reasons for this discrepancy. Join Ralph Estep Jr. on the Ask Ralph Show …

How Can I Use Financial “Fasting” to Grow Closer to God? Struggling with your finances and feeling distant from God can be incredibly challenging. The pressure of materialism and constant spending can make it seem impossible to find pea…

How Do I Handle Getting Audited by the IRS? Finding a letter from the IRS saying you're being audited can be incredibly stressful. The fear and uncertainty about what went wrong and what the audit will involve can be overwhelming. It's a situation …

What Are the 401k Beneficiary Rules I Need to Know and Make Sure I Am Aware of When Managing My Retirement Accounts? Understanding the beneficiary rules for your 401K is crucial for ensuring that your retirement savings are distributed according to …

Is It Better To Rent Or Buy A Home? How Do I Decide What’s Best For Me? Are you tossing and turning at night, wondering whether you should rent or buy a home? You're not alone. This age-old debate continues to perplex many, especially in toda…

Why Is Life Insurance So Important? Do you feel like you're swimming in a sea of confusion regarding life insurance? How much do you need? What's the difference between term and whole life? Which type is better for you? In this blog post, we will d…

Is It Safe to Invest in Precious Metal IRAs? Precious metal IRAs often attract attention with the promise of financial security for retirement, but are they truly as beneficial as they seem? Many wonder if these investments can really provide the f…

What is a Safe Deposit Box? Do you ever wonder where to keep those important documents? You know, the kind you would burst into tears losing - your grandmother's handwritten will or maybe the deed to your house? In this blog post, we look closely a…