🌟 **Finding Peace with Your Finances: A Faith-Based Approach** 🌟 Are you feeling weighed down by financial stress or the belief that it’s too late to turn things around? You’re not alone. In this video, Ralph dives into the *heart* of financial struggles and offers a faith-based perspective on finding…
💸 Are you tired of watching your hard-earned money disappear like magic? 💸 🕒 Join us TODAY at 1 PM EST for an eye-opening live show where we dive deep into the financial questions that keep you up at night. 🕒 🏠 Discover the secrets to deducting home equity loan…
What should you do with your 401(k) during a job change? In this episode of the Ask Ralph Show, Ralph answers a listener’s question about navigating this important decision. He breaks down the options—leaving it with your old employer, rolling it into an IRA, transferring it to a new plan,…
A 401(k) loan might seem like a quick fix, but if you leave your job, you may have to repay it within 60 days—or face taxes and penalties. Before borrowing, consider the risks and have a backup plan! #401kLoan #RetirementPlanning #SmartMoneyMoves #FaithAndFinances #AskRalphShow #AskRalph
If you're under 59½, withdrawing from your retirement savings means taxes and penalties. But did you know how much it really reduces your future wealth? Is it worth the risk? #FinancialEducation #RetirementWealth #MoneyMoves #TaxPlanning #SmartInvesting
A Roth 401(k) lets you contribute after-tax dollars through your employer, meaning your money grows tax-free, and withdrawals in retirement are tax-free! Unlike a traditional 401(k), it won’t lower your taxable income now, but the long-term tax benefits can be worth it. #RetirementPlanning #Roth401k #FinancialFreedom #FaithAndFinances #AskRalphShow #AskRalph
**📢 Take Control of Your Finances and Find True Peace! 💰🙏** Are your finances running your life? It's time to take back control and find lasting peace in God's bigger plan for you. In this video, we’ll walk you through **practical steps** to break free from financial stress and align…
Phishing attacks are more common than you think. A simple click on a fake link can compromise your account in seconds. These scams come through texts, social media, and even QR codes. Stay alert, verify messages, and protect your information! #PhishingScam #CyberSecurity #StaySafeOnline #FraudPrevention
Two-factor authentication (2FA) adds an extra layer of security, making it harder for hackers to access your accounts—even if they have your password. Pro tip: Use a separate device for 2FA to keep your accounts even more secure. #CyberSecurity #TwoFactorAuthentication #StaySafeOnline #ProtectYourAccounts
Scammers trick people with fake bank texts every day! Learn how to spot and avoid phishing attacks through SMS, social media, and QR codes. Stay safe! #CyberSecurity #PhishingScam #OnlineSafety
Could losing your phone put your finances at risk? In this episode of the Ask Ralph Show, Ralph shares the story of a listener who lost their phone on vacation and faced serious security threats. He breaks down nine common risks, from phishing scams to stolen devices, and offers simple…
Are you feeling overwhelmed by your finances? You're not alone! In this video, Ralph shares encouragement and practical steps to help you take control of your financial future. 💰✨ Facing the truth about your income, spending, and debt is the first step toward financial freedom. As John 8:32 reminds us,…
If you sell real estate—whether it’s your primary home, vacation house, or investment property—you’ll receive a 1099-S. The settlement agent reports the sale to the IRS, so ensure it’s included in your tax return to avoid issues. #RealEstateTaxes #1099S #TaxReporting #StayCompliant
If your bank or credit union paid you at least $10 in interest during the year, they must send you a 1099-INT. This form reports your earned interest, and yes—it needs to be included in your tax return. Don’t overlook it! #TaxTips #1099INT #InterestIncome #StayCompliant
Your bank sends your 1099-INT to you and the IRS—so if you don’t report it, they’ll notice. Failing to include interest income can lead to penalties or audits. Make sure you report it correctly on your return to stay compliant. #TaxCompliance #1099INT #ReportYourIncome #TaxTips
Feeling overwhelmed by 1099 forms? In this episode of the Ask Ralph Show, Ralph answers a question from Gurney, a freelance graphic designer worried about handling multiple 1099s. Ralph explains the purpose of common forms like 1099-INT, 1099-DIV, and 1099-NEC, sharing a cautionary story about a client who faced a…
📈 Take Charge of Your Finances: Start Tracking Your Net Worth Today! 💰 Are you feeling overwhelmed by your finances? You're not alone—but it's never too late to take control! In this episode, Ralph explains how tracking your net worth can be a game-changer for your financial future. 👉 What…
Could financial struggles be God’s way of pointing you toward a side hustle? In this episode of the Ask Ralph Show, Ralph shares how a side hustle can align with your God-given purpose, improve your finances, and serve others. He offers biblical insights on work and faith while sharing personal…
You’re not in this alone—God has a plan for you. Too often, we try to take control, thinking we know better, but the Creator of the universe has already mapped out a path for us. Surrender, trust, and follow His lead. #TrustGod #FaithJourney #GodsPlan #SurrenderAndTrust
Your talents aren’t just for you—they’re gifts from God meant to serve others. Whether it’s fixing things, writing, baking, or driving, your side hustle could be a way to use those skills for a greater purpose. Don’t overlook the opportunities right in front of you! #GodGivenTalents #SideHustle #PurposeDrivenLife #ServeOthers
Success doesn’t happen by chance—it requires a plan. Be intentional with your finances by budgeting for your side hustle, tracking expenses, and setting clear income goals. As the saying goes, “Fail to plan, plan to fail.” Stay focused, stay motivated, and watch your efforts pay off! #FinancialGoals #SideHustleSuccess #Budgeting #PlanForSuccess
Take Control of Your Finances Today | Start Your Journey to Financial Freedom Are you feeling overwhelmed by your finances? You’re not alone—and it’s never too late to take charge of your financial future! 💪 In this empowering video, Ralph shares practical tips to help you overcome financial stress, take…
Education tax credits aren’t just for young students! If you meet the income requirements, you can claim credits for qualified expenses—whether fresh out of high school or heading back to college at 80. Lifelong learning pays off! #EducationTaxCredit #LifelongLearning #SmartMoneyMoves
How can you lower your tax bill and keep more of your hard-earned money? In this episode of the Ask Ralph Show, Ralph shares 10 simple tax deductions and credits you can use this year, including energy credits for 2024 and 2025. He also answers a listener’s question about home…
