Tonight's podcast dives into practical financial advice for those feeling financially overwhelmed, especially single parents and small business owners. Ralph addresses the pressing concerns of listeners like Sarah, a single m...
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 out...
Are you prepared for the unexpected costs that can arise during retirement? Many retirees find themselves blindsided by expenses they never planned for, which can significantly derail their financial plans. This episode dives...
Wondering what would happen to your loved ones if you suddenly weren’t there tomorrow? This podcast dives into the crucial topic of estate planning, highlighting the devastating mistakes that can lead to family turmoil and fi...
Are your kids constantly asking for the latest gadgets and expensive sneakers? Today, Ralph Estep Jr. shares innovative ways to turn those spending demands into valuable financial lessons. By leveraging technology and specifi...
Are you worried about having enough cash on hand during retirement? Ralph Estep Jr. tackles this crucial concern by sharing a powerful story about a client, Tom, who faced unexpected financial challenges shortly after retirin...
Jesus offers redemption even for our financial mistakes, a powerful theme explored in this episode of the Ask Ralph podcast. Ralph Estep Jr. addresses a heartfelt question from a listener, Michael, who is grappling with the w...
Title insurance is a crucial safeguard for homeowners, protecting against unexpected claims and potential financial disasters. In this episode, Ralph addresses a heartfelt question from a listener, Michael, who is grappling w...
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 ...
Choosing not to file a tax return, even when you're not required to, can cost you thousands of dollars in missed opportunities, including valuable tax credits and financial documentation. Ralph dives into the common concerns ...
Are you grappling with shocking increases in your insurance premiums? You're not alone, as many are facing similar challenges due to rising rates driven by social inflation. Ralph dives deep into this pressing issue, explorin...
Are you feeling overwhelmed by your finances? You're not alone, as many people struggle with budgeting and tracking their spending, leading to tension in relationships. Today, Ralph explores how technology can transform your ...
Are you anxious about whether you're saving enough for retirement? You're not alone, as many Christians share this concern, especially when faced with the reality of financial insecurity in their later years. This episode tac...
Are you feeling overwhelmed by financial stress during communion, struggling to connect your spiritual life with your daily business decisions? You're not alone. Today's discussion explores how the profound truths of the Lord...
Isabella from Tennessee shares her heartfelt struggle with the realities of renting and the desire for home ownership, raising the poignant question of whether to use retirement savings for a down payment. Ralph dives into th...
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 p...
Are you worried about making costly mistakes with your required minimum distributions (RMDs)? This podcast episode dives into five devastating RMD mistakes that could lead to thousands of dollars in penalties, highlighting th...
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 recover...
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 wise...
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 churc...
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. ex...
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 retirem...
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...
