Videos

Without a budget, you're vulnerable to impulse buys and surprise expenses. Budgeting provides clear insight into your spending habits, helping you spot areas where you can cut back and save. Think of it as wearing financial glasses—suddenly, you can see your current situation and map out your future goals. #FinancialClarity…

A diligent approach to tax planning throughout the year can prevent penalties and stress. Don't wait until April 14 to file your return. Carefully weigh the risks before taking overly aggressive tax positions without strong legal backing. I often discuss the clear black and white areas with my clients and…

Errors on your tax return due to negligence or substantial misstatements can lead to accuracy-related penalties, equating to 20% of the unpaid tax. To avoid this, thoroughly document deductions, income, and credits. Consider hiring a qualified tax preparer if your taxes are complex, and only take overly aggressive tax positions…

Tired of worrying about potential IRS penalties? In this episode of the Ask Ralph Podcast, host Ralph Estep Jr. addresses the most frequent penalties that taxpayers face and how to avoid them with appropriate planning and preparedness. Discover the critical steps to avoiding these penalties while retaining more of your…

Missing the tax return deadline results in a failure to file a penalty, typically 5% of monthly unpaid taxes. If you file more than 60 days late, the minimum penalty is $435 or 100% of the unpaid tax, whichever is less. Filing on time is crucial to avoid hefty penalties.…

Veterinarians often have to deal with tragic outcomes because they are emotionally and financially drained. The deep love for animals hides the harsh truth of debt and stress. Even jobs that people love have bad parts that can be very bad for their mental health. #CompassionFatigue #MentalHealthAwareness #SupportVeterinarians

Find a balance between worker rights and business efficiency, and add more compassion to systems that are based on making money. If your job makes you feel bad, know that you can find your true calling. Get help to make a personalized plan for finding work that matters and makes…

In this episode of the Ask Ralph Podcast, host Ralph Estep Jr. sheds light on the hidden realities behind common jobs. Ralph will reveal little-known facts about various professions, including banking, garbage collection, teaching, and more. Beyond salaries and duties, Ralph uncovers the stress, pressure, and personal sacrifices often required…

People who pick up trash make more than you think they do. They make between $35,000 and $45,000 a year and get a lot of benefits. Their important work gives them steady work and useful benefits. When you see a garbage truck, think about how the driver makes a good…

In this episode of the Ask Ralph Podcast, host Ralph Estep Jr. delves into the often misunderstood world of influencers. Ralph discusses the glitz, glamour, and darker sides of being an online influencer. From a Christian standpoint, he offers ideas on how to keep one's religion and beliefs while nevertheless…

It takes a lot of hard work and dedication to build a big, loyal audience. It can be tiring to write and improve content every day, so you should enjoy the process. Balance your paid and free content in a smart way to keep your followers interested without annoying them…

If you depend on people liking you for your job, it can change your values and keep you from living for the Kingdom. Remember that wanting followers and likes on social media can make you put them above having a real impact on the Kingdom. Instead of trying to make…

Give up the results and ask God to show you the way, whether that means 10 followers or 10 million. There are people who can hold you accountable and pray for you. They can also remind you of who you are in Christ when things go wrong. Make it clear…

In this episode of the Ask Ralph Podcast, host Ralph Estep Jr. guides managing inherited property after the passing of a loved one. He gives useful tips, emotional support, and spiritual guidance to help listeners deal with this complicated and sometimes stressful situation. The episode emphasizes protecting the property, considering…

Renting a house can give you a steady income, but you have to do things as a landlord. Either you find good tenants and fix things yourself, or you pay a company to do it for you, which cuts into your income. If you want to know if this is…

Emotional factors are just as important as money and time. If you're attached to a family homestead that you love, selling it might feel like giving up a legacy, but hanging on to it might keep you stuck in pain. Keeping your feelings and responsibilities in check can help you…

Losing a parent is one of life's hardest experiences, and I'm truly sorry for your loss. Allow yourself time to cry and care for yourself first; the house can wait. Having faith and being close to people you care about can help you get through this hard time. Take care…

True excellence comes from relying on God's strength, not our own. Align your life with God's standards, seeking His guidance to overcome complacency and honor the meaningful work He created for you. Offer your best for God's highest glory, reflecting His love and provision. #GodsStrength #ExcellenceInFaith #ChristLikeLove

Pursue excellence in stewardship by trusting in God's wisdom and abundance. Manage your time, talents, and resources wisely, going beyond 'good enough' to reflect heavenly standards. Magnify God's grace through intentional planning and generous sharing. #WiseStewardship #GodsAbundance #HeavenlyExcellence

In this episode of the Ask Ralph Podcast, host Ralph Estep Jr. discusses the concept of pursuing excellence in all aspects of life, particularly in work, relationships, and stewardship, as an offering of worship to God. Ralph shares personal action steps he is taking to reach this level of excellence…

Whatever you do, do it all for the glory of God. Excellence at work honors God's design for meaningful labor. Strive to co-create with God, using your gifts to add value to the world. #ExcellenceForGod #MeaningfulWork #LiveForJesus

Market Your Podcast Like Jesus: Building Authentic Connections In this episode, we explore the powerful analogy of marketing your podcast like Jesus spread his message. By identifying your audience, going to where they are, making genuine friends, and then sharing your message, you can build authentic relationships and effectively promote…

The Ultimate Podcasting Guide with Hall of Famer Dave Jackson | Ask Ralph Podcast In this episode of the Ask Ralph Podcast, host Ralph Estep Jr. welcomes podcasting legend Dave Jackson, dubbed the 'Dean of Podcasting.' Dave shares his extensive experience from helping people start and grow their podcasts since…

Are Annuities Scams? What You Need to Know! In this video, we address the common misconception that all annuities are scams benefiting only insurance agents. Learn how annuities are legitimate products that can help certain buyers achieve financial goals, while also understanding the pitfalls of shady agents overpromising benefits and…