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Ask Ralph: Christian Finance

Live Show Replay Episodes

March 8, 2025

Is the 30% rule for housing costs still a wise guideline today?

Is the 30% rule for housing still practical in today’s economy? In this episode of the Ask Ralph Show , Ralph Estep, our financial evangelist, is joined by Craig Van Slyke to unpack this widely accepted guideline, exploring h...
March 1, 2025

Could Diligence and Discipline Slash Your Shopping Bill?

It's all about breaking free from that pesky financial despair today! Ralph Estep Jr., our financial evangelist, tackles the real-world struggles of living paycheck to paycheck, crushing debt, and the dream of a stress-free r...
Feb. 22, 2025

What’s the secret to deducting home equity loan interest? Find out now!

Feeling trapped by debt and living paycheck to paycheck? Well, there's a light at the end of that tunnel! In today’s episode, we’re diving deep into how to break free from financial stress and align your cash flow with what r...
Feb. 15, 2025

LIVE REPLAY: What Are 10 Easy Tax Deductions and Credits to Cut Your Tax Bill?

Ever felt like you're handing over way too much dough to the taxman? Well, you’re in luck! Today, we’re diving into 10 super easy tax deductions and credits that can help you lighten that tax load. We’ll also dig into the jui...
Feb. 8, 2025

Are You Taking These 10 Smart Steps to Maximize Your Retirement Savings in 2025?

Crushing debt got you feeling like you’re stuck in quicksand? Fear not! We’re diving into the financial deep end with Ralph Estep Jr., the financial expert who’s come out swinging after his own battles with money woes. We’re ...
Feb. 1, 2025

Home sweet home…or is it? The questions every first time buyer must ask.

Are you dreaming of buying your first home but feeling overwhelmed by fear and uncertainty? In this episode, Ralph Estep explores the essential steps to approach homeownership with confidence and faith. He emphasizes the impo...
Jan. 25, 2025

Is ID.me the Future of Digital Identity, or a Privacy Nightmare?

Join Ralph Estep, Jr. as he tackles pressing financial concerns, including how to safeguard your personal information online and navigate the murky waters of IRS scams. This episode highlights the importance of vigilance in p...
Jan. 18, 2025

Help! I Just Got a 1099 - What Is It and What Do I Do Now?

Are you feeling overwhelmed by tax obligations as a freelancer? This episode dives into the concerns of Angie's journey as a new freelance graphic designer facing the anxiety of tax responsibilities, particularly after receiv...
Jan. 11, 2025

Why should I wait until 70 to collect social security?

This episode tackles critical financial questions that many listeners are grappling with, including the timing of Social Security benefits and the nuances of tithing on tax refunds. Ralph Estep, Jr. shares a compelling case s...
Dec. 21, 2024

How do I handle auto insurance if my kids are away at school?

Can a Christian parent cut corners on car insurance to make ends meet? This heart-wrenching dilemma faced by many families is explored as Ralph Estep Jr. dives into the complexities of financial decision-making from a faith-b...
Dec. 14, 2024

How can I find financial harmony with my partner?

Are money fights destroying your marriage? Ralph Estep Jr. tackles this pressing issue by sharing a powerful story of transformation for a couple struggling with financial conflicts. He delves into crucial year-end tax moves ...
Dec. 7, 2024

What are 11 tips to go from living paycheck to paycheck into true wealth building?

Tonight's podcast dives into practical financial advice for those feeling financially overwhelmed, especially single parents and small business owners. Ralph addresses the pressing concerns of listeners like Sarah, a single m...
Nov. 30, 2024

What is title insurance and why do I need it?

Title insurance is a crucial safeguard for homeowners, protecting against unexpected claims and potential financial disasters. In this episode, Ralph addresses a heartfelt question from a listener, Michael, who is grappling w...
Nov. 23, 2024

Can I use my 401-K to purchase a home?

Isabella from Tennessee shares her heartfelt struggle with the realities of renting and the desire for home ownership, raising the poignant question of whether to use retirement savings for a down payment. Ralph dives into th...
Nov. 2, 2024

What are the best ways to save money when selling a home?

Discover how to save thousands when selling your home in this enlightening episode of the Ask Ralph Podcast. Ralph shares valuable insights and real-life success stories from clients who navigated the home-selling process, in...