Videos

I thought financial peace meant a bigger balance—but as my savings grew, so did my anxiety. Real financial freedom isn’t in the numbers; it’s in finding calm and contentment regardless of what’s in the account. #TrueFinancialFreedom #PeaceOfMind #MoreThanMoney #InnerPeace

Curious about what an Employer Identification Number (EIN) is and how it can help your business? In this episode of The Ask Ralph Show, Ralph Estep Jr. unpacks everything you need to know about getting an EIN and why it’s crucial for both established businesses and small start-ups. Ralph shares…

EINs are essential for filing business tax returns and keeping business and personal finances separate. Avoid using your Social Security number for business purposes—it’s time to make your business its own entity. #EIN #BusinessFinances #TaxTips #SeparateFinances

Getting an EIN from the IRS is completely free! Don’t fall for scams charging for this service. Consult a professional if you’re setting up a business, but remember, the EIN itself comes at no cost. #FreeEIN #BusinessSetup #IRS #SaveMoney

Planning to get an EIN? Only use IRS.gov to get yours for free. Avoid third-party sites that charge for this service. Need help? Book a call with me, and I’ll guide you through the process! #EINTips #BusinessEssentials #AvoidScams #IRS

Are you curious if adopting a modest lifestyle could be the key to financial abundance? In this episode of The Ask Ralph Show, Ralph Estep Jr. tackles the question, Why Looking Poor Can Be the Key to Being Rich. Ralph shares stories of real individuals who chose to live below…

Social media often shows the highlight reel of financial success, creating a 'prosperity paranoia' that leaves us feeling inadequate. Real wealth isn’t about appearances; it’s about finding purpose and grounding ourselves beyond the noise. #ProsperityParanoia #StayGrounded #PurposeDrivenWealth #ComparisonTrap

I thought financial peace meant a bigger balance—but as my savings grew, so did my anxiety. Real financial freedom isn’t in the numbers; it’s in finding calm and contentment regardless of what’s in the account. #TrueFinancialFreedom #PeaceOfMind #MoreThanMoney #InnerPeace

Even when we’re successful by worldly standards, true peace can feel out of reach. My journey taught me that financial security isn’t just about numbers in the bank. It’s about aligning your achievements with inner peace and purpose. #FinancialPeace #InnerStrength #TrueWealth #ContentmentOverComparison

Join me live tonight as I address the topic - How do I help my parents who failed to plan for retirement and are now 70. I’m going to share some great tips to help you with this difficult situation. I’ll also answer your question and the give one lucky…

Are you concerned about your retirement savings falling into the wrong hands? In this episode of The Ask Ralph Show, Ralph Estep Jr. answers the critical question: How Can I Avoid Losing My Retirement Benefits to an Online Scammer? Ralph explores common scam tactics targeting retirees and provides actionable steps…

Online scams are everywhere, and they’re getting more convincing each day. Just yesterday, I got a message urging me to "secure my account" at a bank I don’t even have an account with! Remember: never click on links in unsolicited emails or texts about your accounts. That initial jolt of…

In moments of financial pressure, staying grounded is essential. When my mom faced a high-stakes situation, she remembered our family rule: never act under pressure. Instead, she stepped back, hung up, and verified with the bank directly. It’s a simple act of caution, but it can make all the difference.…

Protect yourself from financial scams with a simple but powerful tool: a Financial Security Folder. Every time you open a new account, add the official contact numbers to this folder—whether on your phone or in a safe place. Scammers can spoof incoming calls but can’t fake a number you dial.…

Creating a “Death Binder” isn’t a one-time task; it’s a commitment to keeping your affairs current. Life changes, and so should your binder. Set a reminder to review it every six months. Check that all information is accurate, from contacts to account details. This small habit ensures your loved ones…

Wondering how to create a death binder to prepare your family for the future? In this episode of The Ask Ralph Show, Ralph Estep Jr. answers, How do I build a death binder and what should I include in it? Ralph explains essential items to include, from legal documents to…

Think of a “Legacy Binder” as the go-to guide for your loved ones if anything happens to you. Include all essential insurance details—health, auto, homeowners, renter’s, umbrella, and disability. If you have benefits through work, add those too, along with contact info for HR and your supervisor. This isn’t just…

A “Death Binder” may sound heavy, but it’s a true gift for your loved ones. Beyond legal documents, it includes the small but crucial details that matter—like where the spare house key is, which bills are on autopay, and who the essential medical contacts are. It’s not about planning for…

Consistency is powerful. In just six months, they began tithing with small, steady steps—and saw amazing results. Not only did they build a habit of giving, but they also paid off $5,000 in credit card debt. Proof that little steps toward faith and financial discipline can lead to life-changing outcomes.…

True prosperity goes beyond wealth—it’s about aligning our financial choices with wisdom and faith. Purpose-driven prosperity means each decision serves practical needs while furthering kingdom goals. Let every dollar you manage bring you closer to a life of service and purpose. #FaithAndFinance #PurposeDrivenProsperity #KingdomValues #FinancialWisdom

Are you sure you’re interpreting what the Bible says about money correctly? In this episode of The Ask Ralph Show, Ralph Estep Jr. unpacks some of the most common misconceptions about money in Scripture and provides a deeper understanding of what the Bible actually teaches on wealth, generosity, and financial…

Not all blessings come in financial form. Sometimes, it’s the challenges that lead to our greatest growth. His journey wasn’t easy, but through the struggle, his business strengthened—and more importantly, so did his faith. Remember, the toughest paths often yield the most incredible results. #FaithThroughAdversity #GrowthInChallenges #BlessingsBeyondWealth #PurposefulStruggles

The key to a secure future? Planning. Don’t wait until you’re in your late 70s to consider long-term care. The earlier you plan, the more options and flexibility you’ll have. Preparing now can make all the difference down the road. #PlanAhead #LongTermCare #FutureSecurity #FinancialPreparedness #PeaceOfMind

Did you know up to 85% of your Social Security benefits could be taxed? Many are shocked to learn that other income sources can trigger this tax. Planning for it is essential! I’ve seen countless clients taken by surprise in their first year, and that’s why it’s so important to…