Ask Ralph: Christian Finance

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Ask Ralph: Christian Finance

Welcome Message - Saggio Accounting

Welcome message from Ralph V. Estep, Jr., of Saggio Accounting.

Thank you for visiting, please join our email list. As a special gift, once you join our list we will send you a link for a complimentary copy of the book Mastering Your Finances.

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Featured Episodes

How do I live out my Christian Faith through my finances? Replay of my interview with Paul Granger
Why does a good credit score matter even in retirement?
How can I keep from burdening my heirs with an inherited IRA?
What happens to your debts after you die?
What are 9 reasons I should still write checks?
How do we handle our finances effectively as a couple? Interview with Karen Hackman a couples financial expert.
How do I work at cultivating Christian community?
What are 5 regrets of Americans who called it quits too early by retiring?
What are the best money lessons to teach your kids?
Is life insurance taxable?
What are 10 things that banks don’t want you to know which could cost you money?
How do I avoid being the victim of a squishing scam?
How can I beat the dealership in the finance office?
How do I live out my Christian calling?
What are 5 tips for choosing an insurance agent or broker?
What are 7 money mistakes made by those over 50?
What are 8 common reasons for getting audited by the IRS?
How do I get my infant on the course to great credit?
Do I need a VPN and why is it so useful?
What is your bank not telling you about using your debit card?
What are some ways I can learn to tame my tongue?
What are the specific things I should consider when buying a business?
What are the four types of student loans?
How do I prepare for an audit of my home office expenses?
Why should I consider collecting social security benefits early?
Have I become a virtual hermit?
How does my retirement balance compare to other people of my same age?
How do I discern Gods will for my life?
What are the 7 documents I should always keep?
What are the top financial tips for transitioning into retirement?
Where should you pull money from first in retirement to optimize your taxes?
What are some essential money management tips for individuals as well as business owners?
What is the future of artificial intelligence and how does it impact my Christian Faith?
Am I paying too much for rent?
How can I see the holy scriptures with fresh eyes?
Should I refinance my auto loan and how do I even do it?
How do social security survivor benefits work?
I just got married – do you have a newlywed tax checklist for me to follow?
What are 10 expenses I can drop immediately and not even miss them?
Should I take a digital sabbath and how do I do it?
Should I play the bank bonus game?
Am I too far gone for forgiveness?
How Can High Income Individuals Optimize Their Taxes?
What is meant by the social security earnings cap and how does that affect my future benefits?
What is the tax impact of gifting someone stock?
How do I rebuild my credit after a financial crisis?
How do I set healthy boundaries with social media from a Godly Perspective?
How am I going to pay for the childrens college education?
How do I respond to financial trials and uncertainty by using my faith?
Is it possible to estimate my future social security benefits?
How can I use financial “fasting” to grow closer to God?
How do I handle getting audited by the IRS?
What are seven financial perks of maintaining great credit?
How can I protect myself from identity theft online?
Should you get a home equity loan or a home equity line of credit?
How do I manage poverty, wealth, and material needs with a heavenly mindset?
How do I get started walking for fitness – a great interview with David Paul and his daily podcast “Walking is Fitness”
What are the 401K beneficiary rules I need to know and make sure I am aware of when managing my retirement accounts?
How do I reduce my taxes when I take money from my 401K or other retirement account?
How do I make sure I’m not filing a false tax return with the IRS?
What are some faith-based investing principles and tools I can use to grow my investments and maintain my faith?
How do I repair my bad credit?
What does biblical tithing actually mean and how do I develop a giving plan based on biblical principles?
What are the 8 types of homeowners insurance and which should I have for my home?
Is it better to rent or buy a home? How do I decide what’s best for me?
What is the Secure Act 2.0 and how does this affect my retirement?
My credit score has dropped below 700, what do I need to stop doing right away to improve my credit score?
What are the best online sources for online banking, bill payment and what are best ways to keep from gettng scammed?
How do I select the credit card which is best for me?
How do I stop battling comparison with others and find contentment in Christ?
How do I evaluate my life insurance needs? How much life insurance do I really need?
When it the right time to refinance my home?
What are these FICA taxes taken out of my paycheck and what is the trust fund?
What are the 10 secret savings rules which they didn’t teach you in school?
What are some apps I can use to rebuild my credit?
What are the ten money habits which are hurting my relationships?
How can I make work and career decisions according to Gods will?
How do I payoff a debt in collections?
Is it safe to invest in precious metal IRAs?
How do I handle taxes when I work in multiple states?
Is my side hustle actually illegal?
Should I get a no credit check or other online loan?
What is a home warranty and should I have one?
How do I become debt free through Godly wisdom and discipline?
What should I keep in my safe deposit box? Do I even need one?
What do I do when I inherit property with someone else?
How many years can the IRS audit my returns?
How can you manage unexpected expenses without getting trapped in a debt cycle?
What is an ETF and is it a safe investment for me?
Are Credit Counseling Services Really a Scam or Do They Help People in Debt?
How Can You Balance Wealth and Generosity Biblically?
How Can Small Business Owners Increase Their Company's Value?
Should You Put Money Down on Your Next Car Purchase?
What Really Happens If You Cheat on Your Taxes?
Are You Prepared for the Unexpected Expenses of Maintaining a Home?
How FDIC Insurance Protects Your Bank Deposits?
How to Navigate Credit Card Offers Wisely and Avoid Common Traps
How to Prepare for a Fear-Free Retirement with Practical and Spiritual Guidance
What Do I Do When My Car Lease Ends?
How go I get my adult children to leave the nest?
What are Required Minimum Distributions or RMDs?
Could AI in Lending Hurt Your Chances of getting a loan?
Setting Limits on Smartphone Use to Help Children Thrive in a Digital World
Debt Free: Bankruptcy And Debt Management To Overcome Your Financial Burden
How to Overcome Guilt and Find Spiritual Freedom
How to Achieve Sustainable Success in Business After Burnout with Entrepreneur Ral West
Achieving Your Financial Goals Through Intentional Budgeting
Stay Out of Trouble with the IRS: Penalty Prevention Tips
Revealing Hidden Facts: Shocking Job Situations
Balancing Fame and Faith: The Journey of an Influencer
From Grief to Guidance: Managing Inherited Property
Excellence as Worship: Aligning Life with God's Standards
The Path to Podcasting Success with Dave Jackson
The Truth About Annuities: Guaranteed Income or Scam?
Tax Refund Troubles: Steps to Take When the Unexpected Happens
Maximize Your Grocery Budget: Practical Tips and Listener Advice
Declutter Your Digital Life: Practical Tips for Digital Organization
Avoiding Financial Pitfalls in Retirement
The Art of Building Relationships: A Path to Prosperity
A Special Mothers Day Message
Beyond the Garage: Navigating Success with Nick Gadaleta and Ralph Estep, Jr.
Peace of Mind: The Benefits of Long-Term Care Insurance
Achieving Financial Freedom: A Procrastinator's Guide to Bill Payments
Extended Warranties on Electronics
Social Security Benefits from Divorce
Living in Gratitude
Do you need an umbrella insurance policy?
The Self Storage Debate - Friend or Foe

Recent Episodes

How do I live out my Christian Faith through my finances? Replay of my interview with Paul Granger
Why does a good credit score matter even in retirement?
How can I keep from burdening my heirs with an inherited IRA?
What happens to your debts after you die?
What are 9 reasons I should still write checks?
How do we handle our finances effectively as a couple? Interview with Karen Hackman a couples financial expert.
How do I work at cultivating Christian community?
What are 5 regrets of Americans who called it quits too early by retiring?
What are the best money lessons to teach your kids?
See all →

I believe that life is not about a destination – but it’s about embracing the journey. I believe that our ultimate goal during our journey is to create great relationships with those we meet along our path. If we do have an ultimate destination it’s to attain a relationship with Jesus Christ. It is my view that most people aren’t able to attain higher levels of self-actualization because they are too distracted by their everyday lives and the obstacles created by their basic humans needs like food – clothing – and shelter. I have come to learn that knowledge is power and the more we know the more likely we will be able to move beyond our basic life requirements. I have found that what gets measured get done and to be truly effective we all need to measure twice and cut once. Along the journey of life, you take you with you, so the more you grow along the journey the greater your ability to reach deeper and more engaging relationships.

Ralph has been through the highs and lows of managing money - he's made mistakes, learned powerful lessons, and wants to share that journey with you. Expect a refreshing blend of practical advice and Biblical principles. We'll cover everything from creating a rock-solid budget and ditching debt to building ethical businesses and exploring the transformative power of generous giving. Whether you're a business owner yearning to integrate your faith into your work, or simply a person desiring wise stewardship of what you've been given, this podcast is for you. Get ready to ditch financial stress, gain clarity and confidence, and use your resources to fulfill God's calling in your life.

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