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Ask Ralph: Christian Finance

Smart Decisions Episodes

April 1, 2025

What’s Stopping You From Starting an Emergency Fund? Try These 5 Tips!

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 ...
March 22, 2025

Why Can’t We Quit Paper Checks—and Are Scammers Cashing In?

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...
March 21, 2025

Are These Common Banking Habits Draining Your Wallet?

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...
March 20, 2025

Are Car Dealers Using the 4-Square Method to Outfox You?

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...
March 19, 2025

Is Your Credit Card Costing You More Than You Think?

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...
March 4, 2025

Are you truly ready to retire or are these financial habits holding you back?

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...
Feb. 26, 2025

Should You Always Pay Cash, or Is There a Better Way?

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 ...
Dec. 9, 2024

What are 19 steps I can take to overcome my savings shortfall even in my early 50’s?

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...
Nov. 14, 2024

What is an EIN and why would I need one?

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...
Sept. 7, 2024

What are 5 tips for choosing an insurance agent or broker?

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...
Aug. 24, 2024

What are the 7 documents I should always keep?

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...
June 29, 2024

What should I keep in my safe deposit box? Do I even need one?

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...