Are you worried your children might repeat the same financial mistakes you made growing up? Ralph Estep Jr. addresses this common concern by sharing effective strategies for teaching children biblical money principles that c…
Are you worried about how to pass your wealth to your children without losing a significant portion to taxes? Ralph Estep tackles this pressing concern in today's show, offering smart strategies for tax-efficient wealth dist…
Have you ever received a notification that your Social Security number was found on the dark web? If so, you're not alone, and it's a terrifying experience that can leave you feeling vulnerable and helpless. Ralph Estep shar…
Are you considering a reverse mortgage as a way to tap into your home's equity? Ralph Estep Jr. dives deep into the potential pitfalls of these loans, highlighting how they may not be the financial blessing they appear to be…
Are you worried about what will happen to your retirement accounts if the unexpected occurs? Today, Ralph dives into the critical topic of naming a trust as a beneficiary for retirement accounts, a decision that can save you…
Are you worried about the future of Social Security and how upcoming changes in 2025 might affect your retirement? You're not alone; many hardworking individuals share your concerns. Ralph addresses these fears head-on by ou…
Are you feeling overwhelmed by your mortgage payments and wondering if making extra payments could be the solution? Ralph Estep Jr. tackles this crucial question by exploring the potential benefits and pitfalls of overpaying…
Struggling to keep the holiday spirit alive without drowning in debt? Ralph Estep Jr. shares practical strategies to celebrate the season while keeping your finances intact. Joined by Mark Lawley from the Practical Prepping …
Feeling financially secure on paper but unsettled inside is a common struggle that many face, as highlighted by Shannon's heartfelt letter. Despite earning a solid income, having emergency savings, and contributing to retire…
Feeling overwhelmed by the maintenance of a large family home during retirement? You're not alone, and today, Ralph Estep Jr. challenges the notion that homeownership is the only way to enjoy your golden years. He shares pow…
Feeling financially trapped in a home you love but can't afford to maintain is a common struggle for many older Americans. This podcast tackles the critical issue of being house rich but cash poor, exploring the emotional an…
Are you a small business owner feeling overwhelmed by the challenges that come with running your own venture? You're not alone—many entrepreneurs face struggles that can lead to failure. This podcast dives into the top nine …
Are you worried about the staggering healthcare costs in retirement? Ralph dives into the critical question of how much money you really need to save for medical expenses as you age, highlighting that the average couple reti…
Are you truly financially secure, or do you lie awake at night wondering if your savings can handle unexpected expenses? In this episode, Ralph explores what financial security really means, emphasizing that it’s not just ab…
Navigating the world of financial advice can be overwhelming, especially with the multitude of contradictory opinions out there. This podcast dives into the nine terrible pieces of money advice that you should ignore if you …
