Videos

Unpacking Annuities: Scam or Smart Investment? | Ask Ralph Podcast Join Ralph Estep, Jr. on this episode of the Ask Ralph Podcast as he delves into the complex world of annuities. With over 30 years of financial expertise, Ralph provides an in-depth look at annuities, discussing their benefits, drawbacks, and…

Steps to Take If You Owe Taxes or Receive a Smaller Refund In this video, learn what to do if your tax refund is smaller than expected or if you owe taxes. Key steps include thoroughly reviewing your tax return for errors, double-checking your withholding amounts, making quarterly estimated payments…

What to Do When Your Tax Refund Is Smaller Than Expected - Ask Ralph Podcast Join Ralph Estep, Jr. on the Ask Ralph Podcast as he addresses the frustrating experience of receiving a smaller tax refund than expected or owing taxes when you anticipated a refund. Ralph provides practical steps…

Effective Strategies to Slash Your Grocery Bill | AskRalph Podcast In this episode of the AskRalph Podcast, Ralph Estep, Jr. shares practical tips for reducing grocery expenses without compromising on nutrition or taste. Drawing from his extensive financial expertise, Ralph provides six easy ways to save money on groceries, including…

Discover the significant savings you can achieve by cooking at home more often. This video explains how reducing takeout and delivery not only trims grocery costs but also minimizes food waste and avoids high restaurant prices, tips, and delivery fees. Learn how cooking at home, even with just five to…

Digital Decluttering Tips: Simplify Your Online Life | Ask Ralph Podcast Do you feel overwhelmed by digital clutter? In today's episode of the Ask Ralph Podcast, seasoned financial expert Ralph Estep, Jr. shares practical tips for decluttering your digital space. Learn how to delete unused apps, unsubscribe from unnecessary email…

How to Declutter Your Digital Life: Simple Tips to Reclaim Control Feeling overwhelmed by digital clutter like thousands of unread emails, unused apps, and endless browser tabs? You're not alone. Research shows the average person spends over six hours daily on digital media, leading to information overload and tech burnout.…

Top 5 Financial Mistakes Retirees Must Avoid In this video, we recap the key financial mistakes retirees often make, including excessive travel spending, enabling destructive dependence of adult children, carrying large debt into retirement, supporting unhealthy relationships, and compulsive overconsumption. We also share practical strategies for wise money management and…

5 Financial Traps to Avoid in Retirement | Ask Ralph Podcast In today's episode of the Ask Ralph Podcast, host Ralph Estep, Jr. explores the critical financial pitfalls that can derail your retirement and how to avoid them. From splurging on travel and supporting adult children to carrying debt and…

Transform Your Prayer Life: Practical Steps for Deep Connection with God Feeling disconnected in your prayer life? Join Ralph Estep Jr. on the Ask Ralph Podcast as he shares practical steps to cultivate a vibrant prayer life. Discover four actionable tips to grow closer to God, including starting your day…

Cultivating a Deep and Intimate Prayer Life This video explores the essence of cultivating a prayer life, emphasizing that it's about building a relationship with God rather than fulfilling a religious obligation. The speaker highlights the importance of abiding in Christ to gain strength and wisdom, reflecting on how God’s…

Cultivating a Deep and Intimate Prayer Life This video explores the essence of cultivating a prayer life, emphasizing that it's about building a relationship with God rather than fulfilling a religious obligation. The speaker highlights the importance of abiding in Christ to gain strength and wisdom, reflecting on how God’s…

Faith & Finances: An Interview with Financial Expert Ralph Estep Jr. In this episode, Whitney Owens welcomes Ralph Estep Jr., principal at Saggio Management Group, to discuss the intersection of accounting, finance, and faith. With over 30 years of experience, Ralph shares insights on managing money from a Christian perspective,…

Integrating Faith in the Workplace: A Personal Mission In this enlightening discussion, we explore the idea that you don't have to leave your Christian faith at the door when entering the workplace. Reflecting on personal experiences, including giving away Bibles and subtly sharing Christianity in an accounting office on a…

The Four Financial Truths Every Couple Needs to Know Discover four essential truths that can help couples navigate financial decisions and strengthen their marriage. Learn why being on the same financial page is crucial, how unity improves decision-making, the importance of harmony in marriage from a spiritual perspective, and understand…

How to Achieve Financial Harmony in Your Marriage | Ask Ralph Podcast Have you and your spouse ever disagreed about money? You're not alone. Join Ralph Estep, Jr. on the Ask Ralph Podcast as he shares concrete ways to get on the same financial page with your significant other. With…

Understanding Quarterly Tax Payments for Self-Employed & Small Business Owners This script explains the tax obligations of self-employed individuals and small business owners, who typically receive income not subject to withholding, such as earnings from clients, dividends, and property sales. It emphasizes the importance of paying taxes through quarterly installments…

Navigating Quarterly Tax Payments with Ralph Estep Jr. In this episode of the Ask Ralph Podcast, host Ralph Estep Jr. tackles the daunting topic of quarterly estimated IRS payments, aiming to demystify the process for small business owners, self-employed individuals, and others with untaxed income. Drawing on over 30 years…

Are Dollar Stores Really Bargains or Community Scams? - The AskRalph Podcast This episode of the AskRalph Podcast, hosted by experienced financial professional Ralph Estep, Jr., delves into the controversial topic of dollar stores, questioning whether they are truly beneficial for low-income communities or if they're exploiting them. Estep explores…

The Truth About Dollar Stores: Bargains or Barriers? The script explores the controversial impact of dollar stores in low-income communities, questioning whether they are truly beneficial. It highlights the intrigue of these stores for offering items at seemingly unbeatable prices, yet raises concerns about their potential negative effects on local…

Making Your Devices More Accessible As You Age The script discusses the challenges faced by individuals, particularly as they age, in using default settings on their devices due to small text sizes and other usability issues. It highlights the importance of customizing device settings through built-in accessibility features to enhance…

Unlocking Device Accessibility: Enhance Your Tech Experience In this episode of the Ask Ralph Podcast, Ralph Estep Jr., a financial professional with over 30 years of experience, dives into the topic of accessibility options for devices, emphasizing the importance of making technology work better for individuals. From discussing common accessibility…

Balancing Business Success with Marriage Bliss: A Christian Perspective In this episode of the Ask Ralph Podcast, Ralph Estep Jr. shares his insights on managing the challenges Christian entrepreneurs and small business owners face in balancing their business growth with nurturing their marriage and family life. Drawing from his 30…

3 Essential Steps to Balancing Business and Family Life The script emphasizes the importance of balancing business responsibilities with family commitments by outlining three critical steps. First, it advocates for scheduling consistent, uninterrupted one-on-one time with one's spouse to strengthen the marriage. Second, it suggests involving one's spouse in business…