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Ask Ralph: Christian Finance

Season 7

Jan. 20, 2025

Does Saving for Emergencies Mean We Don't Trust God?

Feeling guilty about having an emergency fund? You’re not alone. Many people wrestle with the idea that saving money might indicate a lack of trust in God. Ralph addresses this struggle head-on, sharing his personal journey f...
Jan. 19, 2025

How do I find peace with God?

How do you find genuine peace with God amidst the chaos of financial success? This episode delves into the transformative journey of individuals like Michael, who, despite achieving impressive business milestones, grapple wit...
Jan. 18, 2025

Help! I Just Got a 1099 - What Is It and What Do I Do Now?

Are you feeling overwhelmed by tax obligations as a freelancer? This episode dives into the concerns of Angie's journey as a new freelance graphic designer facing the anxiety of tax responsibilities, particularly after receiv...
Jan. 17, 2025

How do I teach my children about biblical money principles?

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 ca...
Jan. 16, 2025

Do I have to pay taxes when I sell my home?

Are you worried about a hefty tax bill after selling your home? Ralph Estep Jr. addresses this common concern by sharing the inspiring story of his client, Patrick, who transitioned from panic to peace upon discovering the tr...
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...
Jan. 14, 2025

What is a tax refund loan and why are they such a terrible idea?

Are you considering a tax refund loan because of urgent financial needs? Before you take that leap, it's crucial to understand why these loans can be a costly mistake. Host Ralph Estep Jr. dives deep into the predatory nature...
Jan. 13, 2025

How will I ever be able to buy a home?

Feeling discouraged by rising home prices and overwhelming debt? You're not alone, and there is hope. Ralph Estep Jr. shares how biblical wisdom and practical financial strategies can help you achieve your dream of homeowners...
Jan. 12, 2025

Should Christians invest in the stock market?

Are you grappling with the idea of investing in the stock market while staying true to your Christian values? Ralph Estep Jr. dives into this pressing concern, addressing the common misconception that investing equates to gam...
Jan. 11, 2025

Why should I wait until 70 to collect social security?

This episode tackles critical financial questions that many listeners are grappling with, including the timing of Social Security benefits and the nuances of tithing on tax refunds. Ralph Estep, Jr. shares a compelling case s...
Jan. 10, 2025

What are ways to distribute wealth to my heirs to prevent tax issues?

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 distr...
Jan. 9, 2025

How do I handle my taxes when I live in one state and work in another?

Feeling overwhelmed by the complexities of state taxes when living in one state and working in another? You’re not alone, and this episode dives deep into the nuances of navigating multi-state taxation. Ralph Estep addresses ...
Jan. 8, 2025

What are the steps I can take to finally take control of my finances-My interview with Robert Plank

What happens when an 8-year-old boy suddenly finds himself managing household finances? Ralph Estep Jr. shares his transformative journey from childhood responsibilities to becoming a financial evangelist, helping others brea...
Jan. 7, 2025

What are 16 ways that tech can make life easier for older people?

Are you feeling the weight of caring for aging parents who are determined to maintain their independence? This episode tackles the pressing issue of how technology can empower seniors to stay safe, connected, and independent....
Jan. 6, 2025

What do I do if I suspect my Mom has dementia and she’s still handling her own finances?

Navigating the delicate balance of protecting a loved one's financial well-being while preserving their dignity is a heart-wrenching challenge, especially when signs of cognitive decline emerge. Ralph Estep Jr. shares a deepl...
Jan. 5, 2025

How can I break the cycle of classic humanism and embrace true Christianity?

Feeling a sense of emptiness despite outward success is a common struggle, and today's discussion dives deep into this very issue. Peter, a successful CEO, grapples with how to integrate Christian principles into his business...
Jan. 4, 2025

What are treasury inflation protected securities (TIPS) and why should someone hold them?

Are you concerned about inflation eroding your savings? This episode dives into treasury inflation-protected securities (TIPS), a powerful investment tool designed to help safeguard your money from the damaging effects of inf...
Jan. 3, 2025

If my social security number has already been compromised – how do I stay safe?

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 share...
Jan. 2, 2025

What are 12 sources of non-taxable income?

Are you tired of watching your hard-earned money vanish into taxes? Discover how you can retain more of your income legally by exploring 12 sources of non-taxable income that the IRS can't touch. Ralph Estep Jr. dives into th...
Jan. 1, 2025

How can I start the New Year on the best financial path?

Feeling overwhelmed by financial struggles is a common experience, especially as the new year begins. Ralph Estep Jr. addresses this very concern by sharing powerful strategies to help listeners start their financial journey ...