Ask Ralph: Financially Confident Christian

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Ask Ralph: Financially Confident Christian

Welcome Message - Saggio Accounting

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

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Featured Episodes

The Self Storage Debate - Friend or Foe
Do you need an umbrella insurance policy?
Living in Gratitude
Social Security Benefits from Divorce
Extended Warranties on Electronics
Achieving Financial Freedom: A Procrastinator's Guide to Bill Payments
Peace of Mind: The Benefits of Long-Term Care Insurance
Beyond the Garage: Navigating Success with Nick Gadaleta and Ralph Estep, Jr.
A Special Mothers Day Message
The Art of Building Relationships: A Path to Prosperity
Avoiding Financial Pitfalls in Retirement
Declutter Your Digital Life: Practical Tips for Digital Organization
Maximize Your Grocery Budget: Practical Tips and Listener Advice
Tax Refund Troubles: Steps to Take When the Unexpected Happens
The Truth About Annuities: Guaranteed Income or Scam?
The Path to Podcasting Success with Dave Jackson
Excellence as Worship: Aligning Life with God's Standards
From Grief to Guidance: Managing Inherited Property
Balancing Fame and Faith: The Journey of an Influencer
Revealing Hidden Facts: Shocking Job Situations
Stay Out of Trouble with the IRS: Penalty Prevention Tips
Achieving Your Financial Goals Through Intentional Budgeting
How to Achieve Sustainable Success in Business After Burnout with Entrepreneur Ral West
How to Overcome Guilt and Find Spiritual Freedom
Debt Free: Bankruptcy And Debt Management To Overcome Your Financial Burden
Setting Limits on Smartphone Use to Help Children Thrive in a Digital World
Could AI in Lending Hurt Your Chances of getting a loan?
What are Required Minimum Distributions or RMDs?
How go I get my adult children to leave the nest?
What Do I Do When My Car Lease Ends?
How to Prepare for a Fear-Free Retirement with Practical and Spiritual Guidance
How to Navigate Credit Card Offers Wisely and Avoid Common Traps
How FDIC Insurance Protects Your Bank Deposits?
Are You Prepared for the Unexpected Expenses of Maintaining a Home?
What Really Happens If You Cheat on Your Taxes?
Should You Put Money Down on Your Next Car Purchase?
How Can Small Business Owners Increase Their Company's Value?
How Can You Balance Wealth and Generosity Biblically?
Are Credit Counseling Services Really a Scam or Do They Help People in Debt?
What is an ETF and is it a safe investment for me?
How can you manage unexpected expenses without getting trapped in a debt cycle?
How many years can the IRS audit my returns?
What do I do when I inherit property with someone else?
What should I keep in my safe deposit box? Do I even need one?
How do I become debt free through Godly wisdom and discipline?
What is a home warranty and should I have one?
Should I get a no credit check or other online loan?
Is my side hustle actually illegal?
How do I handle taxes when I work in multiple states?
Is it safe to invest in precious metal IRAs?
How do I payoff a debt in collections?
How can I make work and career decisions according to Gods will?
What are the ten money habits which are hurting my relationships?
What are some apps I can use to rebuild my credit?
What are the 10 secret savings rules which they didn’t teach you in school?
What are these FICA taxes taken out of my paycheck and what is the trust fund?
When it the right time to refinance my home?
How do I evaluate my life insurance needs? How much life insurance do I really need?
How do I stop battling comparison with others and find contentment in Christ?
How do I select the credit card which is best for me?
What are the best online sources for online banking, bill payment and what are best ways to keep from gettng scammed?
My credit score has dropped below 700, what do I need to stop doing right away to improve my credit score?
What is the Secure Act 2.0 and how does this affect my retirement?
Is it better to rent or buy a home? How do I decide what’s best for me?
What are the 8 types of homeowners insurance and which should I have for my home?
What does biblical tithing actually mean and how do I develop a giving plan based on biblical principles?
How do I repair my bad credit?
What are some faith-based investing principles and tools I can use to grow my investments and maintain my faith?
How do I make sure I’m not filing a false tax return with the IRS?
How do I reduce my taxes when I take money from my 401K or other retirement account?
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 get started walking for fitness – a great interview with David Paul and his daily podcast “Walking is Fitness”
How do I manage poverty, wealth, and material needs with a heavenly mindset?
Should you get a home equity loan or a home equity line of credit?
How can I protect myself from identity theft online?
What are seven financial perks of maintaining great credit?
How do I handle getting audited by the IRS?
How can I use financial “fasting” to grow closer to God?
Is it possible to estimate my future social security benefits?
How do I respond to financial trials and uncertainty by using my faith?
How am I going to pay for the childrens college education?
How do I set healthy boundaries with social media from a Godly Perspective?
How do I rebuild my credit after a financial crisis?
What is the tax impact of gifting someone stock?
What is meant by the social security earnings cap and how does that affect my future benefits?
How Can High Income Individuals Optimize Their Taxes?
Am I too far gone for forgiveness?
Should I play the bank bonus game?
Should I take a digital sabbath and how do I do it?
What are 10 expenses I can drop immediately and not even miss them?
I just got married – do you have a newlywed tax checklist for me to follow?
How do social security survivor benefits work?
Should I refinance my auto loan and how do I even do it?
How can I see the holy scriptures with fresh eyes?
Am I paying too much for rent?
What is the future of artificial intelligence and how does it impact my Christian Faith?
What are some essential money management tips for individuals as well as business owners?
Where should you pull money from first in retirement to optimize your taxes?
What are the top financial tips for transitioning into retirement?
What are the 7 documents I should always keep?
How do I discern Gods will for my life?
How does my retirement balance compare to other people of my same age?
Have I become a virtual hermit?
Why should I consider collecting social security benefits early?
How do I prepare for an audit of my home office expenses?
What are the four types of student loans?
What are the specific things I should consider when buying a business?
What are some ways I can learn to tame my tongue?
What is your bank not telling you about using your debit card?
Do I need a VPN and why is it so useful?
How do I get my infant on the course to great credit?
What are 8 common reasons for getting audited by the IRS?
What are 7 money mistakes made by those over 50?
What are 5 tips for choosing an insurance agent or broker?
How do I live out my Christian calling?
How can I beat the dealership in the finance office?
How do I avoid being the victim of a squishing scam?
What are 10 things that banks don’t want you to know which could cost you money?
Is life insurance taxable?
What are the best money lessons to teach your kids?
What are 5 regrets of Americans who called it quits too early by retiring?
How do I work at cultivating Christian community?
How do we handle our finances effectively as a couple? Interview with Karen Hackman a couples financial expert.
What are 9 reasons I should still write checks?
What happens to your debts after you die?
How can I keep from burdening my heirs with an inherited IRA?
Why does a good credit score matter even in retirement?
How do I live out my Christian Faith through my finances? Replay of my interview with Paul Granger
How do I find joy in the mundane?
What are ten things I should never do with my credit card?
What are the top 7 debt collections scams to avoid?
How can I discuss pension income during the dating process?
What steps can I take to avoid a tax time bomb in retirement?
How do I budget for my pet care expenses?
Should I have joint accounts with my children or rely on a Power of Attorney?
How can I manage my anxiety by using my faith?
What are 7 common traits of Americans who can never, ever, retire?
What do I do when I lose my wallet to protect from identity theft?
What are 9 unexpected costs of selling your home?
What is the tax impact of getting a lump sum versus routine payout of retirement?
What are the 7 best investment choices for frugal people?
What are 9 terrible pieces of money advice to ignore if you want to get rich?
How do I learn to effectively apologize?
What do experts say about how much is the maximum amount to deposit to a CD?
What are 7 ways my bank can help me stick to my budget?
How do I handle lending money to friends and family and what are the tax issues related to making those loans?
Why states with no income tax aren’t as affordable as they may seem?
What are 9 signs that show that I am financially secure?
What are the differences between a revocable and irrevocable trust?
How do I effectively embrace God's gift of rest?
What are the 5 most common places retirees spend their money in retirement?
What are some of the best online deals banks offer for opening a new account?
Should I purchase special medical insurance when I travel abroad?
What is the rule of 55 and how can I use it to reduce my taxes?
How much money do I need to have saved to cover health care costs in retirement?
What are the 7 insurance options to consider to protect your retirement – a discussion all about supplemental insurance?
How can I use faith to rebuild my daily motivation?
What happens if I outlive my life insurance?
What is meant by surveillance pricing and does it cost us more?
How can I buy a house with no income?
Is it true that I can lose my passport if I don’t pay my taxes?
What are the top 9 reasons why small businesses fail?
What do I do if the bank closed my account?
What are some ways I can develop spiritual grit?
What are the top 5 things people do to stay wealthy?
How can I use my retirement account as an emergency ATM?
What are the 9 riskiest places to give your social security number?
Why is a wealth tax such a terrible idea?
What do I do if I find myself house rich and cash strapped as an older American?
What are the best ways to save money when selling a home?
How do I find joy in the midst of trouble?
What are the biggest financial challenges for those couples retiring at different times?
What are the best cash apps and what are best practices for using them?
What are 7 credit card debt myths that nobody should believe?
What are the differences between the two types of 529 plans?
What are 7 alternatives to buying a home in your golden years?
What are common things that most people don’t know about social security?
What are some of the most popular misconceptions of money in scripture?
How do I build a death binder and what should I include in it?
How can I avoid losing my retirement benefits to an online scammer?
Why looking poor can be the key to being rich?
What is an EIN and why would I need one?
Why don’t I feel like I’m doing well financially – even though I am according to most experts?
My parents failed to prepare for retirement and are now 70 – what can I do to help them?
How can I build effective Christian unity?
What are 5 things to consider before buying groceries with my credit card?
I’ve been scammed online – what are 5 things I should do immediately?
What are 7 things I can do to get the highest price when selling my car?
What are 5 common RMD mistakes to avoid?
How can I survive the holidays without going broke?
Can I use my 401-K to purchase a home?
What is the real meaning of the Lord’s Supper?
What percentage of my salary should I be putting into retirement?
What are the best apps to use to build a financial fitness routine?
Is social inflation to blame for our high insurance rates?
Should I file a tax return even though I’m not required to file?
Should I consider overpaying my mortgage?
What is title insurance and why do I need it?
Did you know Jesus died for the bad people too?
How much cash should I keep on hand once I retire?
What are the best apps to use to help my kids with their finances?
What are the 9 most common estate planning mistakes?
What are 9 retirement expenses which I may not have considered?
What changes are coming to social security in 2025?
What are 11 tips to go from living paycheck to paycheck into true wealth building?
Do I love the world and my stuff too much? Are your affections set on this world and not on your heavenly home?
What are 19 steps I can take to overcome my savings shortfall even in my early 50’s?
How do I freeze my credit file and why should I consider doing it?
What are 5 common investment choices which kill your returns?
What are 11 tax related new years resolutions I should adopt?
What are 9 steps I can take right now in my business for a better tax situation next year?
How can I find financial harmony with my partner?
How can we express our love for Christ in our daily lives?
Why should I choose a credit union over a traditional bank?
What are 7 warning signs that my computer has been hacked?
Why do people obsess over a 800 credit score when this score is just as good?
What are some new tax issues facing us in 2025?
Why should I designate a trust as a retirement account beneficiary?
How do I handle auto insurance if my kids are away at school?
How do I navigate inflation while maintaining generosity?
What are 7 ways to make the most of my social security check?
How can I negotiate the best deal when buying a used car?
What is the true meaning of Christmas from a Christian perspective?
How do I prepare for handling my 2024 tax preparation?
Why I probably shouldn’t consider a reverse mortgage?
What are the top upgrades you can make to your home which make it harder to sell?
How do I create an Estate plan with a Kingdom impact?
What are the 7 best things for retirees to spend their savings on?
What are the top 7 reasons why I should not open a CD?
How can I start the New Year on the best financial path?
What are 12 sources of non-taxable income?
If my social security number has already been compromised – how do I stay safe?
Your Daily Guide to Financial Freedom: Welcome to Ask Ralph
What are treasury inflation protected securities (TIPS) and why should someone hold them?
How can I break the cycle of classic humanism and embrace true Christianity?
What do I do if I suspect my Mom has dementia and she’s still handling her own finances?
What are 16 ways that tech can make life easier for older people?
What are the steps I can take to finally take control of my finances-My interview with Robert Plank
How do I handle my taxes when I live in one state and work in another?
What are ways to distribute wealth to my heirs to prevent tax issues?
Why should I wait until 70 to collect social security?
Should Christians invest in the stock market?
How will I ever be able to buy a home?
What is a tax refund loan and why are they such a terrible idea?
I spent too much at Christmas - how do I pay down my credit card debt?
Do I have to pay taxes when I sell my home?
How do I teach my children about biblical money principles?
Help! I Just Got a 1099 - What Is It and What Do I Do Now?
How do I find peace with God?
Does Saving for Emergencies Mean We Don't Trust God?
Tax Identity Theft: Is Someone Filing Returns in Your Name?
Can Spending More on Healthcare Now Actually Save You Thousands Later? My interview with Dr. Alex Watson of Admire Medical
Is Your Old Filing Status Stealing Your Tax Refund?
Why Are New Car Owners Most at Risk for This Insurance Nightmare?
Why Don't I Feel Close to God Anymore?
Locked out of E-filing? The secret PIN that changes everything
How much money could you save by managing your credit like a Pro?
Wait, what are estimated taxes and do I actually have to pay them?
Desperate for tax relief? Why are some solutions worse than the problem?
Cash in or roll over? What’s the smart move for your maturing CD?
Home sweet home…or is it? The questions every first time buyer must ask.
Can you serve two masters: Finding God’s purpose in your professional life?
Struggling with taxes? When should you bring in the pros?
Who can you trust for your taxes? How to choose the right professional.
Who’s doing your taxes – and can you trust them?
Got a tax notice? Now what?
Could your tax return be raising audit alarms?
Are You Taking These 10 Smart Steps to Maximize Your Retirement Savings in 2025?
How Can I Stay Generous for God Even in Tough Times?
Inheritance incoming: are you ready?
Filing Without All Your Tax Documents? Why It’s Risky and How to Get What You Need?
Unexpected IRS refund? What you should do now and smart ways to spend it
Can you really afford to skip long term care insurance?
Why is the IRS eyeing your digital wallet?
LIVE REPLAY: What Are 10 Easy Tax Deductions and Credits to Cut Your Tax Bill?
Is God Calling You to Start a Side Hustle?
Why did I get this 1099? What it means and how to avoid costly mistakes
How secure is your phone? 9 Shocking Risks you might be ignoring.
Changing Jobs? Don’t derail your 401-K Here’s how to get it right.
Lost a loved one and facing tax questions? Here’s everything you should know.
Can my marriage survive the secret of my financial infidelity?
What’s the secret to deducting home equity loan interest? Find out now!
How do you trust God when your finances are falling apart?
Overwhelmed by tax prep? How to decide between software and an accountant with confidence.
What If Achieving Financial Fitness Was as Easy as Your Daily Workout?
Should You Always Pay Cash, or Is There a Better Way?
How Do You Safeguard Family Wealth From the Grip of Slot Machines?
Which Retirement Expenses Should You Never Cut Corners On?
Could Diligence and Discipline Slash Your Shopping Bill?
How Can Faith and Wisdom Break the Chains of Debt?
What happens to your debt when you’re no longer here?
Are you truly ready to retire or are these financial habits holding you back?
Does divorce have to be painful? Avoiding financial and tax traps
Are you ready for the IRS when earning extra income?
Are you sacrificing your future by taking social security too soon?
Is the 30% rule for housing costs still a wise guideline today?
Can you truly live generously on a tight budget?
How do you turn reasonable cause into IRS penalty forgiveness?
Are You Inviting Financial Trouble by Automatically Filing Taxes Jointly With Your Spouse?
Self-Filing Taxes: Are You Making These Common Errors That Could Land You In Trouble With The IRS?
Self-Employment Tax Got You Stressed? Learn Exactly What It Is and How to Pay Less
Confused About How Your Rental Property Affects Your Taxes?
LIVE SHOW REPLAY: What's Changing in Your 401(k) in 2025—and What Does It Mean for You?
Is It Time to Redefine What Being Rich Means to You?
Are You Following the World's Wisdom or God's Wisdom in Your Finances?
Are You Still on the Hook With the IRS? How Far Back Can They Claim You Owe?
Is Your Credit Card Costing You More Than You Think?
Are Car Dealers Using the 4-Square Method to Outfox You?
Are These Common Banking Habits Draining Your Wallet?
Why Can’t We Quit Paper Checks—and Are Scammers Cashing In?
How Do I Maintain My Faith During Difficult Economic Times?
What Is the Taxpayer Advocate and How Can They Help Me?
Is Cheap Advice Really Worth the Price?
How Can You Budget When Paychecks Are Unpredictable?
5 Important Things That Disappear When You Retire – Are You Ready?
Can't Pay the IRS? How can you Avoid Major Penalties with These 4 Strategies?
Who Pays the Bills When Your Grown Kids Won’t Fly the Coop?
How Can I Turn My Paycheck Into Purpose?
How Do I Save My Mom From My Dad’s $200,000 IRS Nightmare – And Should I Even Try?
What’s Stopping You From Starting an Emergency Fund? Try These 5 Tips!
What 7 Daily Steps Can I Take to Rebuild My Confidence With Money?
Tired of Living Paycheck to Paycheck? Let’s Build a Solid Foundation for Your Future.
Want to Stop Worrying About Money? Create a Plan That Gives You Freedom and Stability
Are You Struggling to Trust God with Your Finances? Find Peace and Purpose in His Plan
LIVE REPLAY: What are 11 Surprising Things the Bible Says About Wealth?
Is Money Stress Crushing Your Faith?
Budgeting Broken? Can You Really Break the Cycle?
Small Wins, Big Change: Can You Build Financial Momentum?
What Legacy Will You Leave? Can You Build Wealth That Matters?
LIVE SHOW REPLAY - Ready to Thrive, Not Just Survive? Your Financial Breakthrough Starts Now!
Why Is Budgeting Your Secret Weapon to Financial Freedom?
How Can I Kick Impulse Buying to the Curb and Save Money?
Why Is an Emergency Fund Your Lifeline to Financial Peace?
Are Credit Cards Your Friend or Foe?
How Can I Plan for Future Expenses and Avoid Financial Surprises?
Why Is Giving the Secret to Financial Breakthrough?
LIVE SHOW REPLAY - Are You Ready to Break Free from Financial Shackles?
Feeling Lost With Money? Start Here
What If You Already Have Enough?
What If One Habit Could Transform Your Finances Forever?
Where Does Your Money Actually Go?
Found the Leak Yet? Pinpointing Where Your Money Goes
Is Your Budget a Tool or a Trap?
LIVE SHOW REPLAY Feeling Stuck by Financial Shame? Ready for Real Freedom?
Is the Envelope System God’s Answer to Overspending?

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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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