Smart Decisions Episodes

Are you tired of feeling chained by your finances? In this episode of Ask Ralph , Ralph and Craig dive deep into the habits, mindsets, and spiritual principles that keep so many of us stuck in a cycle of financial stress. Fro...

Feeling trapped in the paycheck-to-paycheck cycle? You’re not alone, and today we’re diving deep into why many of us feel this way and how we can break free from the chains of financial shame and anxiety. Ralph Estep Jr. and ...

Imagine waking up, and your car just won't start. Yikes, right? Today, we're diving into the wild world of emergency funds and why they’re more important than your morning Starbucks coffee. In this episode, we dive headfirst ...

Are you feeling weighed down by debt or worried about your parents' finances? Well, you’re in good company! Today, we’re diving into these heavy topics with some real talk and a sprinkle of humor. We’ll tackle the struggles o...

Are you tired of feeling like your wallet is always on a diet? Well, today we're diving into the sneaky banking habits that might be silently draining your finances faster than you can say "overdraft fee." From those pesky AT...

Are you feeling like a deer in headlights when it comes to buying a car? Don’t worry, we’ve got your back! Today, we’re diving into the sneaky "four square method" that car dealers love to use to keep you confused and feeling...

Ever felt like your credit card is this sneaky little gremlin in your wallet, whispering sweet nothings while it drains your bank account? Today, we’re diving into the true cost of credit card debt and how it could be secretl...

Ready to dive into the wild world of retirement? We're tackling the big question: Are your financial habits keeping you from the golden years you’ve been dreaming of? Spoiler alert: If you’re worried about outliving your savi...

Are you stuck in the never-ending tug-of-war between cash and credit? Well, today we're diving headfirst into this financial dilemma, giving you the scoop on whether cash really is king or if credit cards can have a place in ...

Are you feeling anxious about your financial future as you approach retirement in your 50s? Ralph addresses this concern head-on by sharing 19 powerful steps to help you regain control over your savings and ensure financial s...

Are you unsure whether you need an EIN (Employer Identification Number) for your small business? Ralph addresses this common confusion, particularly for those starting out as sole proprietors. He explains that while having an...

Have you ever wondered how to choose the right insurance agent or broker? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr. as he shares 5 tips for choosing an insurance agent or broker. What are 5 tips for c...

Have you ever thought about which important documents you should always have ready? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr. as he talks about why it's crucial to organize and secure important docume...

Are your most precious possessions safe? Do you worry about losing important documents like your will or property deeds in a disaster? Should you keep it in your safe deposit box? Do you even need one? Tune in to this episode...