Ask Ralph Podcast: Mastering Your Finances with a Christian Perspective Ralph V. Estep, Jr.

Are you prepared to sidestep financial pitfalls in retirement? Join Ralph Estep, Jr., and learn how to break bad money habits and enjoy a blissful retirement.
Avoiding Financial Pitfalls in Retirement: Insights from Ralph Estep, Jr.In this episode of the Ask Ralph Podcast, host Ralph Estep, Jr., a financial professional with over 30 years of experience, discusses common financial missteps retirees often make and provides practical strategies to avoid them. The episode focuses on five key bad habits: splurging on travel, enabling adult children, carrying debt into retirement, supporting unhealthy adult relationships, and compulsive shopping. Ralph also offers actionable tips to manage these issues, emphasizing the importance of wise financial stewardship from a Christian perspective. Additionally, listeners are encouraged to join the podcast’s Facebook insider's group for continued discussion and support.
00:00 Introduction and Episode Overview
00:20 Welcome to the Ask Ralph Podcast
00:52 Motivational Monday and Show Announcements
01:15 The Importance of Avoiding Bad Money Habits
03:32 Bad Habit #1: Splurging on Travel
04:48 Bad Habit #2: Supporting Adult Children
06:25 Bad Habit #3: Carrying Debt into Retirement
08:33 Bad Habit #4: Supporting Unhealthy Adult Relationships
10:46 Bad Habit #5: Compulsive Shopping
13:08 Recap and Final Thoughts
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WATCH NOW ON YOUTUBE (OUR VIDEO VERSION)
WATCH NOW ON RUMBLE (OUR VIDEO VERSION)
JOIN OUR FACEBOOK INSIDERS GROUP
Please share our Podcast with all your friends and family!
Submit your questions or ideas for future shows - email us at 
ralph@askralph.com or leave a voicemail message on our podcast page
Leave A Voicemail Message
Like us on Facebook and follow us on Facebook at
https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information.
To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!
Buy Ralph's Book - Mastering Your Finances! on Amazon
Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon

 

Finding Peace through Prayer with God? Join Ralph Estep, Jr., as he explores how to revitalize your prayer life and experience transformation. Let's cultivate a vibrant prayer routine together!
Revitalizing Your Prayer Life: Tips for Genuine Connections with GodIn this episode of the Ask Ralph Podcast, host Ralph Estep Jr. guides listeners through practical steps to cultivate a vibrant and impactful prayer life. The episode begins with a personal reflection on the common struggle of maintaining a meaningful connection with God and then dives into four actionable tips: starting your day with God, praying throughout your activities, being authentic in prayer, and praying with others. Ralph also emphasizes the importance of community and authenticity in prayer, sharing personal anecdotes and scriptural insights. The episode concludes with a prayer and a challenge to commit to growing your prayer life. Listeners are encouraged to visit askralphpodcast.com for more resources and to join the show's growing community on Facebook.
00:00 Introduction: Revitalize Your Prayer Life
00:27 Welcome to the Ask Ralph Podcast
02:26 Grounding in the Word of God
02:48 Struggles and Truths About Prayer
03:44 Actionable Steps for a Prayerful Life
05:48 The Power of Authentic Prayer
08:03 Praying with Others
12:49 Final Thoughts and Recap
13:19 Closing and Call to Action
LISTEN NOW
WATCH NOW ON YOUTUBE (OUR VIDEO VERSION)
WATCH NOW ON RUMBLE (OUR VIDEO VERSION)
JOIN OUR FACEBOOK INSIDERS GROUP
Please share our Podcast with all your friends and family!
Submit your questions or ideas for future shows - email us at 
ralph@askralph.com or leave a voicemail message on our podcast page
Leave A Voicemail Message
Like us on Facebook and follow us on Facebook at
https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information.
To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!
Buy Ralph's Book - Mastering Your Finances! on Amazon
Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon

 

A behind-the-scenes look at my conversation with Whitney Owens, talking faith, finances, and finding purpose in our professions. It’s moments like these that remind us of the impact of our mission. Join Ralph Estep, Jr., as he discusses managing money with a mission.
Navigating Finances with Faith: An Interview with Ralph Estep Jr.In this episode of the Wise Practice Podcast, Whitney Owens interviews Ralph Estep Jr., an experienced accountant, author, and farmer. They discuss the integration of faith in financial practices, practical advice for Christian business owners, and the importance of stewardship. Ralph shares insights from his books on mastering finances from a Christian perspective, touching on topics like budgeting, tithing, managing debt, and planning for the future. He also emphasizes the significance of a Christ-centered approach to financial decision-making and the rewards of giving and serving others. This episode offers valuable guidance for listeners striving to align their financial habits with their faith.
00:00 Introduction to the Interview
00:54 Meet Ralph Estep, Jr.
01:22 Ralph's Background and Faith
04:13 Christian Perspective on Finances
06:51 Stewardship and Financial Responsibility
09:14 Balancing Business and Faith
12:00 Challenges and Rewards of Faith-Based Practices
14:08 The Importance of Listening and Planning
14:55 Financial Issues in Marriage
15:37 Business Consulting and Tax Planning
17:16 Retirement Planning for Therapists and Pastors
18:48 Dealing with Graduate School Debt
20:31 Growing Your Practice and Financial Planning
24:40 Ralph's Resources and Contact Information
LISTEN NOW
WATCH NOW ON YOUTUBE (OUR VIDEO VERSION)
WATCH NOW ON RUMBLE (OUR VIDEO VERSION)
JOIN OUR FACEBOOK INSIDERS GROUP
Please share our Podcast with all your friends and family!
Submit your questions or ideas for future shows - email us at 
ralph@askralph.com or leave a voicemail message on our podcast page
Leave A Voicemail Message
Like us on Facebook and follow us on Facebook at
https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information.
To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!
Buy Ralph's Book - Mastering Your Finances! on Amazon
Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon

 

Struggling with financial disagreements in your relationship? You're not alone! Tune in to our show where Ralph Estep, Jr., shares practical tips for achieving financial harmony with your partner. Let's build unity in marriage together.
Achieving Financial Harmony in Marriage: Practical Steps for CouplesIn this episode of the Ask Ralph Podcast, host Ralph Estep, Jr. addresses the common issue of financial disagreements in marriages. Drawing on his 30 years of experience as a financial professional and Christian teachings, Ralph explores why financial unity is crucial for marital harmony. He provides practical tips for couples to align their financial goals, including having honest conversations about money histories, agreeing on a unified budget, setting shared money goals, and seeking external resources for financial growth. Throughout the episode, Ralph shares personal anecdotes and expert advice to help couples achieve financial harmony.
00:00 Introduction: Money and Relationships
00:36 Welcome to Ask Ralph Podcast
01:28 Biblical Wisdom on Unity
02:23 Importance of Financial Unity
03:07 Personal Experiences and Expert Advice
03:26 Join the Community
03:52 Truths About Financial Alignment
08:43 Actionable Steps for Financial Harmony
12:24 Conclusion and Encouragement
LISTEN NOW
WATCH NOW ON YOUTUBE (OUR VIDEO VERSION)
WATCH NOW ON RUMBLE (OUR VIDEO VERSION)
JOIN OUR FACEBOOK INSIDERS GROUP
Please share our Podcast with all your friends and family!
Submit your questions or ideas for future shows - email us at 
ralph@askralph.com or leave a voicemail message on our podcast page
Leave A Voicemail Message
Like us on Facebook and follow us on Facebook at
https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information.
To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!
Buy Ralph's Book - Mastering Your Finances! on Amazon
Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon

 

Master the Art of Quarterly Tax Payments and avoid penalties! Join Ralph Estep, Jr., as he dives into the complexities of quarterly tax payments as he demystifies the process and shares personal insights.
Mastering Quarterly Tax Estimates with Ralph Estep, Jr.In this episode of the Ask Ralph Podcast, financial expert Ralph Estep, Jr. demystifies the complexities of quarterly tax payments. Ralph provides insights on safe harbor guidelines, the importance of accurate estimating, and how to avoid IRS penalties. He shares his personal story of dealing with tax obligations as a budding entrepreneur and offers practical steps for pain-free tax estimates. The episode emphasizes careful planning, the use of safe harbor rules, and penalty waivers. Listeners are encouraged to take actionable steps to master their tax estimating process and ensure financial stability.
00:00 Introduction to Quarterly Tax Payments
00:32 Welcome to Ask Ralph Podcast
01:05 Tax Talk Thursday: Navigating Quarterly Payments
01:30 Understanding Quarterly Estimated IRS Payments
06:14 Personal Journey: Learning the Hard Way
07:25 Navigating IRS Notices and Safe Harbor Provisions
10:54 Action Steps for Managing Quarterly Payments
12:31 Recap and Final Thoughts
LISTEN NOW
WATCH NOW ON YOUTUBE (OUR VIDEO VERSION)
WATCH NOW ON RUMBLE (OUR VIDEO VERSION)
JOIN OUR FACEBOOK INSIDERS GROUP
Please share our Podcast with all your friends and family!
Submit your questions or ideas for future shows - email us at 
ralph@askralph.com or leave a voicemail message on our podcast page
Leave A Voicemail Message
Like us on Facebook and follow us on Facebook at
https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information.
To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!
Buy Ralph's Book - Mastering Your Finances! on Amazon
Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon

 

Uncover the truth about dollar stores in our latest episode! Join Ralph Estep, Jr., in his pursuit of dollar stores exposed - Are they really a bargain or a hidden scam? Join me as we dive deep into the impact on communities and the very consumer they serve.
Are Dollar Stores Truly a Bargain? Unpacking the Real Impact on CommunitiesIn this episode of the Ask Ralph Podcast, host Ralph Estep, Jr. explores the controversial topic of dollar stores and their impact on communities. Ralph delves into whether these stores offer real value or merely exploit vulnerable populations, given their rapid expansion and the economic distress linked to their presence. The discussion covers critiques of dollar stores, including limited product quality, the closure of other local businesses, low wages for employees, and a lack of community support. Ralph also presents potential solutions like supporting local businesses and advocating for better retailer practices. The episode encourages thoughtful consumer habits and community action to foster economic development and responsible corporate behavior. Tune in for insightful financial wisdom from a Christian perspective.
00:00 Introduction: The Dollar Store Dilemma
00:23 Welcome to Ask Ralph Podcast
01:28 Unpacking the Dollar Store Debate
03:31 The Economic Impact of Dollar Stores
05:19 Critiques and Concerns: Analyzing Dollar Stores
08:33 Seeking Solutions: How to Counteract Dollar Store Effects
10:18 Reflections and Call to Action
12:03 Closing Thoughts and Financial Guidance
LISTEN NOW
WATCH NOW ON YOUTUBE (OUR VIDEO VERSION)
WATCH NOW ON RUMBLE (OUR VIDEO VERSION)
JOIN OUR FACEBOOK INSIDERS GROUP
Please share our Podcast with all your friends and family!
Submit your questions or ideas for future shows - email us at 
ralph@askralph.com or leave a voicemail message on our podcast page
Leave A Voicemail Message
Like us on Facebook and follow us on Facebook at
https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information.
To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!
Buy Ralph's Book - Mastering Your Finances! on Amazon
Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon