Personal Finance Posts

How Can I Use My Retirement Account as an Emergency ATM? Are you feeling financially squeezed and tempted to dip into your retirement account to cover unexpected expenses? You’re not alone. In Episode 303 of the Ask Ralph Podcast, host Ralph …

What Should You Do When Your Bank Account Is Closed? A Guide to Financial Recovery Have you ever experienced the panic of discovering that your bank account has been closed without warning? The frustration of being locked out of your funds can be o…

Top 9 Reasons Why Small Businesses Fail: What You Need to Know Running a small business can be rewarding, but it also comes with its own set of challenges. In Episode 299 of the Ask Ralph Podcast, host Ralph Estep Jr. breaks down the top nine reaso…

How Can You Buy a Home Without a Steady Income? Here Are 6 Creative Strategies Are you dreaming of homeownership but feel like the lack of a steady paycheck is closing that door for good? Many people believe that buying a house without income is im…

Welcome to the First YouTube Live Episode of Ask Ralph Podcast: Are You Prepared for Tax Season? Essential Tips for Managing Your Finances We’re excited to kick off the inaugural YouTube live episode of the Ask Ralph Podcast! As tax season ap…

7 Insurance Options to Protect Your Retirement: What Are Your Best Choices? Are you concerned about the health care costs that Medicare won’t cover during retirement? Many retirees face unexpected medical expenses that can drain their savings…

How Much Should You Save for Health Care Costs in Retirement? Essential Strategies for Financial Stability in Your Golden Years Are you nearing retirement and concerned about saving enough to cover future healthcare costs? You’re not alone. M…

Are You Truly Financially Secure? 9 Signs That Show You Are Are you lying awake at night wondering if you’re genuinely financially secure? Do you have some money saved but are still uncertain about your financial future? In a recent episode o…

Should I have joint accounts with my children or rely on a Power of Attorney? Managing your finances as you age can be complicated, especially when deciding whether to open a joint account with your children or set up a power of attorney. Financial…

How Do I Budget for My Pet Care Expenses? Pets bring love and joy into our lives, but they also come with financial responsibilities. In Episode 271 of the Ask Ralph Show, Ralph Estep Jr. tackles the question, How do I budget for my pet care expens…