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Wise Decisions Episodes

March 26, 2025

How Can You Budget When Paychecks Are Unpredictable?

Struggling to budget because your paycheck feels like a game of roulette? You’re not alone, and I’m here to help! Today, I’m diving into seven super practical tips to help you manage your finances, especially when the income ...
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 17, 2025

Are You Following the World's Wisdom or God's Wisdom in Your Finances?

Ever feel like you’re stuck in a money rut, just spinning your wheels? Well, today we’re diving into the question of how to ditch the world’s wisdom about finances and embrace God’s guidance instead. If you’ve ever found your...
Feb. 28, 2025

Which Retirement Expenses Should You Never Cut Corners On?

Worried about running out of cash in retirement? Don’t sweat it! Today, we’re diving into the retirement expenses you absolutely should never skimp on. Spoiler alert: we’re talking healthcare, housing, utilities, and nutritio...
Jan. 15, 2025

I spent too much at Christmas - how do I pay down my credit card debt?

Are you struggling with the financial aftermath of holiday spending? Ralph Estep Jr. shares the inspiring story of Henry, who turned his $10,000 credit card debt into a debt-free success in just ten months. This episode delve...
Sept. 9, 2024

How can I beat the dealership in the finance office?

Have you ever felt intimidated walking into a car dealership's finance office? Wondered if you're truly getting a fair deal or being taken for a ride? In this episode, we'll uncover the secrets of avoiding common pitfalls whe...