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Ask Ralph: Christian Finance

Personal Finance Posts

Nov. 11, 2024

How to Build a Death Binder for Family Peace of Mind?

How do I build a death binder and what should I include in it? Creating a “death binder” is one of the most caring ways to prepare your family for the future. In episode 316 of The Ask Ralph Show, Ralph Estep Jr. covers the essentials o…

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Nov. 10, 2024

Are You Misinterpreting Biblical Teachings on Money?

What are some of the most popular misconceptions of money in scripture? Feeling weighed down by misconceptions about money and scripture? In Episode 315 of the Ask Ralph Podcast, Ralph Estep Jr. dives deep into some of the most widespread misunders…

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Nov. 9, 2024

Surprising Social Security Facts: Are You Missing Out on Benefits?

What are common things that most people don't know about social security? Worried about the stability of your retirement with Social Security as your primary source of income? In this episode, Ralph Estep Jr. of The Ask Ralph Podcast unveils crucia…

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Nov. 8, 2024

Is Homeownership Necessary for a Comfortable Retirement?

What are 7 alternatives to buying a home in your golden years? Are you feeling overwhelmed by the prospect of maintaining a home during retirement? In Episode 313 of the Ask Ralph Podcast, Ralph Estep Jr. discusses seven alternatives to purchasing …

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Nov. 7, 2024

Which 529 Plan Is Best for Your Child's College Fund?

What are the differences between the two types of 529 plans? Are you feeling overwhelmed by the choices in 529 plans for your child's college education? In Episode 312 of the Ask Ralph Podcast, Ralph Estep Jr. breaks down "What Are the Differences B…

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Nov. 6, 2024

Can Closing Credit Cards Actually Hurt Your Credit Score?

What are 7 credit card debt myths that nobody should believe? Do you feel like you're drowning in credit card myths that are doing more harm than good? In Episode 311 of the Ask Ralph Podcast, Ralph Estep Jr. delves into seven prevalent credit card…

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Nov. 2, 2024

How Can You Save Money When Selling Your Home?

Can You Save Big on Realtor Fees When Selling Your Home? Are you feeling frustrated with the steep costs of selling a home? Between realtor commissions, repairs, and staging fees, the expenses can quickly eat into your hard-earned equity. In Episod…

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Nov. 1, 2024

What Are My Options If I'm House Rich but Cash Strapped?

Are You House Rich but Cash Strapped? Here’s What You Can Do Are you trapped in a valuable home you love but struggling to cover the bills? As inflation rises, many older Americans face this "house rich, cash poor" dilemma. In Episode 306 of …

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Oct. 29, 2024

Can You Use Your Retirement Account in a Financial Emergency?

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 …

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Oct. 26, 2024

What Should You Do If Your Bank Closes Your Account?

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…

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