BOOK A CALL WITH RALPH
Ask Ralph: Christian Finance

Tax Planning Episodes

March 31, 2025

How Do I Save My Mom From My Dad’s $200,000 IRS Nightmare – And Should I Even Try?

Ralph Estep Jr. dives right into the deep end today, tackling the massive wave of a $200,000 IRS debt that’s crashing down on a family. It’s a stressful situation, especially for the mom who’s completely in the dark about the...
March 28, 2025

Can't Pay the IRS? How can you Avoid Major Penalties with These 4 Strategies?

Feeling the IRS pressure? You're definitely not alone! Today, Ralph Estep Jr. dives into the nitty-gritty of what to do when you can’t pay Uncle Sam. We’re laying down four simple strategies to help you dodge those pesky pena...
March 25, 2025

Is Cheap Advice Really Worth the Price?

Cheap tax and accounting advice might sound like a sweet deal, but it can turn into a financial trap faster than you can say "audit." Today, we're diving into why investing in good guidance is like putting on a financial supe...
March 24, 2025

What Is the Taxpayer Advocate and How Can They Help Me?

Feeling overwhelmed by the IRS? You’re not alone, and today, we're diving into a lifeline that could turn your tax troubles around—the Taxpayers Advocate Service (TAS). This episode is all about how TAS can help you navigate ...
March 18, 2025

Are You Still on the Hook With the IRS? How Far Back Can They Claim You Owe?

Are you lying awake at night, worried the IRS might show up at your door like a surprise party you never wanted? We’re diving into the nitty-gritty of the IRS tax debt statute of limitations today, answering the burning quest...
March 14, 2025

Confused About How Your Rental Property Affects Your Taxes?

Are rental property taxes giving you a headache? Don’t worry, we’re diving into the nitty-gritty of rental property taxes today! We’ll break down everything from dreaded IRS audits to those sneaky red flags you should avoid l...
March 13, 2025

Self-Employment Tax Got You Stressed? Learn Exactly What It Is and How to Pay Less

Are you self-employed and feeling the pressure of self-employment tax? Trust me, you’re not alone! This episode dives headfirst into the nitty-gritty of self-employment tax—what it is, how it works, and most importantly, how ...
March 12, 2025

Self-Filing Taxes: Are You Making These Common Errors That Could Land You In Trouble With The IRS?

Are you feeling like tax season is a beast you just can't wrestle? Well, buckle up, because we’re diving into the wild world of self-filing taxes! Today, we're uncovering the most common pitfalls that could send you straight ...
March 11, 2025

Are You Inviting Financial Trouble by Automatically Filing Taxes Jointly With Your Spouse?

Are you automatically filing taxes jointly with your spouse? Well, hold onto your calculators, because that might not be the best idea! Today, we’re diving deep into the potential pitfalls of joint filing and how it could lea...
March 10, 2025

How do you turn reasonable cause into IRS penalty forgiveness?

Are IRS penalties keeping you up at night? Well, today we're diving into the world of reasonable cause, where there's a chance to wipe those pesky penalties off the books! Our listener, Tiffany, reached out for some relief, a...
March 6, 2025

Are you ready for the IRS when earning extra income?

Are you diving into the gig economy, raking in some extra dough from side gigs, freelance work, or selling stuff online? Well, buckle up, because we’re tackling the crucial topic of tax obligations that come with that newfoun...
Feb. 24, 2025

Overwhelmed by tax prep? How to decide between software and an accountant with confidence.

Tax season can be a total nightmare, right? We’re diving into the nitty-gritty of whether you should tackle your taxes with software or call in the pros. I mean, we've got some juicy tales from folks who thought they could DI...
Feb. 17, 2025

Why did I get this 1099? What it means and how to avoid costly mistakes

Ever gotten a 1099 form and felt your heart drop faster than a lead balloon? You’re definitely not alone! Today, we’re diving into the wild world of 1099 forms—what they mean, why you got them, and how to tackle them without ...
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. 14, 2025

Why is the IRS eyeing your digital wallet?

Bitcoin and cryptocurrency are all the buzz right now, but what does it all mean? We're diving deep into the world of digital wallets and the tax implications that come with them. If you've ever thought about jumping into thi...