Are you leaving thousands of dollars on the table when selling your car? Today, Ralph shares a compelling story about a client named Bill, who transformed a $12,000 trade-in offer into an impressive $17,500 through a private…
Have you ever fallen victim to an online scam, leaving you feeling helpless and ashamed? Today, Ralph Estep Jr. shares vital steps you can take in the first 24 hours after being scammed to regain control and begin the recove…
Are you feeling trapped in a cycle of credit card debt, especially when it comes to everyday expenses like groceries? Ralph Estep Jr. tackles this issue head-on, sharing five crucial considerations for using credit cards wis…
Building Christian unity is essential for strengthening both faith and finances within church communities, and today, Ralph dives into this important topic. He addresses a listener's concerns about division in her local chur…
Are you worried about your aging parents' financial situation? This episode of the Ask Ralph Podcast dives into practical ways to support them, especially if they haven't adequately prepared for retirement. Ralph Estep Jr. e…
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…
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 a…
Looking poor could actually be your secret weapon for building real wealth. Ralph Estep Jr. shares two compelling stories that illustrate how living below your means can lead to financial abundance and the ability to serve o…
Are you worried about losing your retirement savings to online scammers? Ralph Estep Jr. tackles this critical concern by sharing personal stories and practical advice for protecting your financial future. He emphasizes the …
Creating a death binder is a crucial step in ensuring your loved ones are prepared to manage your affairs in the event of the unexpected. Ralph dives deep into the importance of organizing essential documents, accounts, and …
Money is often misunderstood, with many believing that it is the root of all evil or that God desires Christians to be poor. This episode delves into 11 dangerous misconceptions about money in scripture that could be hinderi…
Are you lying awake at night, worried that Social Security won't be enough to cover your retirement? You're not alone; many Christians share this concern about their financial future. Ralph dives into nine critical insights …
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…
Are you feeling overwhelmed about how to finance your child's college education? Ralph breaks down the two types of 529 plans—traditional college savings plans and prepaid tuition plans—providing clarity on how each can effe…
Are you feeling overwhelmed by credit card debt? You’re not alone—many people are trapped by misconceptions about credit cards that can lead to costly mistakes. Ralph dives into seven dangerous credit card myths that could b…
Sending money through cash apps can be nerve-wracking, especially with the risk of scams that can lead to significant financial losses. Ralph shares a cautionary tale about a client who lost $5,000 to a cash app scam, highli…
Navigating retirement can be a complex journey, especially for married couples with significant age differences. This podcast dives into real stories of couples who have successfully managed different retirement timelines, h…
Finding joy amidst life's troubles can feel like an impossible task, but this podcast dives deep into how we can navigate these challenging times. Ralph addresses a heartfelt question from a listener named Vanessa, who is gr…
Discover how to save thousands when selling your home in this enlightening episode of the Ask Ralph Podcast. Ralph shares valuable insights and real-life success stories from clients who navigated the home-selling process, i…
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 concerned about the potential impact of a wealth tax on your savings and financial future? Ralph dives deep into the complexities of this contentious issue, explaining how a wealth tax could adversely affect not just…
Feeling uneasy when asked for your Social Security number is a valid concern, and today’s discussion highlights the nine riskiest places where you might be asked to provide it. From gym memberships to job applications and ev…
Are you feeling the financial squeeze and considering tapping into your retirement account to cover unexpected expenses? Ralph dives into the complexities of using retirement funds as an emergency ATM, exploring the potentia…
Are you struggling to maintain your financial success while balancing your overall well-being? Today, Ralph dives into the top five key strategies that wealthy individuals use to not only grow their finances but also nurture…
