Financially Confident Christian

Ralph V. Estep, Jr.
  • 4.8 (19)
  • CHRISTIANITY
  • UPDATED DAILY

2025 Best Christian Finance Podcast in the U.S. — Best of Best Review I believe money isn’t just about numbers — it’s about confidence, stewardship, and faith. If you’ve ever felt trapped in the cycle of financial shame, I want you to know — you’re not alone, and you don’t have to stay there. I’m Ralph Estep Jr., and on Financially Confident Christian, I help you blend Biblical wisdom with practical financial strategies so you can finally find peace with your money and purpose in your plans. Every day, you’ll get real-world steps you can take right now — no confusing jargon, no judgment — just daily encouragement, proven principles, and faith-driven clarity to help you break free, build confidence, and honor God with your resources. Whether you’re paying off debt, learning to budget with purpose, or dreaming of financial freedom, this show is your daily companion for faith-based financial growth. Your story isn’t defined by your past mistakes. It’s shaped by your next faithful step. So hit follow, and let’s walk this journey together — one decision, one prayer, one day at a time.

  1. New year, same bills. Want a fresh start?

    19H AGO

    New year, same bills. Want a fresh start?

    New year, same bills. Want a fresh start? This episode is all about shaking off last year’s stress and diving into a fresh start, because guess what? New year, new mercy! We chat about how we don’t need to drag our baggage into 2026; instead, we can embrace a clean slate and let go of the guilt and shame. With a sprinkle of hope and some practical tips, we’re here to help you walk into this year with clarity and peace. So grab a comfy seat, and let’s kick off this journey together! Read today's blog article Check out the full podcast episode here This isn’t just another episode about budgeting and saving; this is a heartfelt chat about how to truly reset your mindset for the year ahead. We dive deep into practical steps to alleviate the pressure of financial stress, starting with the simple act of releasing last year’s burdens. We talk about why shame doesn’t motivate; it paralyzes. You’ll hear about the importance of finding space and grace in your life to foster real change, and how even the smallest of habits can lead to monumental shifts. From creating a simple January plan to embracing one new habit, we’ve got you covered. Plus, we share some personal stories from our community, showcasing how others have found success by focusing on grace rather than rules. By the end, you’ll be ready to tackle the year with a fresh perspective and the confidence to be a financially savvy Christian. So, let’s step into this new year together, free from the past and ready for the future! Takeaways: Kicking off the new year can be tough when last year's stress lingers like old tinsel. Let it go! It's all about fresh starts, and you don’t need to be perfect to begin again this year. God's mercy is a game-changer; embrace it and let go of that guilt from last year. Transformation begins with a soft heart, not pressure. Let's kick off the year with grace! Keep it simple: choose one good habit to start fresh, small wins lead to big changes. Remember, every new morning is a fresh financial start; don’t let yesterday drag you back. Links referenced in this episode: financiallyconfidentchristian.com/join 💛 Join the Financially Confident Christian CommunityIf today’s episode encouraged you, we’d love to invite you to be part of something bigger — the Financially Confident Christian Community. This is where faith and finances come together — a growing family of believers supporting one another, sharing encouragement, and helping spread God’s truth about money. Your membership helps keep the show free for everyone while funding new devotionals, study guides, and outreach resources. 👉 Learn more and join the mission at financiallyconfidentchristian.com/join Together, we’re helping believers everywhere break the cycle of financial shame and live with confidence in Christ. 🙏 LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) Please share our Podcast with all your friends and family! Submit your questions or ideas

    13 min
  2. Afraid You’ll Stall Again?

    1D AGO

    Afraid You’ll Stall Again?

    Today, we’re diving into why New Year’s resolutions can be more pressure than pleasure. Let’s be real. Who hasn’t set some grand goal only to crash and burn by week two? Afraid You’ll Stall Again? I mean, I’m usually done by day two, sometimes even hour two! Instead of hyper-focusing on those fleeting resolutions, we’re chatting about discipleship and building a steady rhythm for growth that sticks around long after the confetti’s gone. Because let’s face it, in the kingdom of God, being faithful beats being flashy any day. So, grab your coffee, take a deep breath, and let’s explore how to walk this journey together without the January hustle. Read today's blog article Check out the full podcast episode here As we wrap up the year, the last day can feel like a real pressure cooker for many folks. Instead of just throwing a party hat on and shouting 'Happy New Year,' let's take a sec to chill, breathe, and think about what really matters. You know those resolutions we all get hyped about? Yeah, I mean, who hasn’t crashed and burned by the second week, right? It’s like we start off with all the hope in the world, but then life hits, and we’re left wondering why we can’t keep the momentum going. Spoiler alert: it’s not about the resolutions, fam. It’s about the journey. We dive deep into why spiritual growth and financial stability are not sprints but marathons—slow, steady, and super important. It’s all about faithfulness over intensity, and that’s the kind of wisdom we want to carry into the new year. So, we’re not just talking about setting goals; we’re exploring how to build a rhythm that lasts beyond January. Seriously, who wants to be that person with a dead resolution by February? We chat about how a supportive community, consistent habits, and a sprinkle of accountability can totally change the game. Plus, we throw in some wisdom from Eugene Peterson about that long obedience in the same direction. It’s all about the journey, not just the destination. By the end of this episode, you’ll be ready to tackle the new year with a fresh perspective and a plan that’s all about growth and grace. Trust me, it’s gonna be a journey worth taking. Takeaways: The pressure of New Year's resolutions can be overwhelming, but it's important to focus on lasting growth rather than quick fixes. Instead of making intense resolutions, consider establishing simple, consistent financial rhythms that actually last throughout the year. A supportive community, repeatable rhythms, and gentle accountability are key ingredients for sustainable transformation in your life. Walking with God and having a supportive community can lighten your financial journey and keep you accountable. Transforming your finances isn't a sprint; it's about the steady walk you take with faith and purpose over time. Instead of chasing perfection, focus on consistency and direction in your financial journey; that's where real growth happens. Links referenced in this episode: financiallyconfidentchristian.com/join 💛 Join the Financially Confident Christian CommunityIf today’s episode encouraged you, we’d love to invite you to be part of something bigger — the Financially Confident Christian Community. This is where faith and finances come together — a growing family of believers supporting one another, sharing encouragement, and helping spread God’s truth about money. Your membership helps keep the show free for everyone while funding new...

    12 min
  3. Feeling Lost Heading Into January?

    2D AGO

    Feeling Lost Heading Into January?

    Feeling Lost Heading Into January? Trust me, you’re not alone! Today, we're diving into how to tackle that overwhelming to-do list and swap chaos for calm. I’ll share my top five action steps, what I like to call the Focus 5, that’ll help you crush the end of the year with confidence. Forget trying to do it all; let’s focus on the right things, so you can start January feeling like a boss. So grab a pen, because we’re about to put that plan on paper and make your future self do a happy dance! Read today's blog article Check out the full podcast episode here Getting ready for the New Year can feel like trying to juggle flaming torches while riding a unicycle, right? In this episode, we dive deep into the chaos of year-end preparations and how to tackle that overwhelming to-do list. Seriously, if you're feeling swamped, you're not alone. I’m right there with you! But hey, there’s a silver lining. We chat about the importance of establishing order in our lives, comparing it to oxygen for our souls. With just a few simple steps, we can take that mental load and lighten it up a notch or two. It’s all about finding your focus, my friends! We introduce the Focus 5, a checklist that’s like your best buddy that helps you cut through the clutter and get to what really matters. So, let’s ditch the frantic scrambling and get our lives sorted out as we head into a fresh New Year! Takeaways: Getting ready for the New Year can feel super overwhelming, but we can tackle it together. Order in your life is like oxygen; without it, we can't breathe easily or stay calm. A short checklist today is way better than dealing with a long apology later on. You don’t have to do everything; just focus on the right things that matter. Creating a Focus 5 is more effective than trying to juggle a frantic 50 tasks. Automating your savings and giving keeps your promises intact, even when life gets busy. Links referenced in this episode: financiallyconfidentchristian.com/join 💛 Join the Financially Confident Christian CommunityIf today’s episode encouraged you, we’d love to invite you to be part of something bigger — the Financially Confident Christian Community. This is where faith and finances come together — a growing family of believers supporting one another, sharing encouragement, and helping spread God’s truth about money. Your membership helps keep the show free for everyone while funding new devotionals, study guides, and outreach resources. 👉 Learn more and join the mission at financiallyconfidentchristian.com/join Together, we’re helping believers everywhere break the cycle of financial shame and live with confidence in Christ. 🙏 LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) 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...

    12 min
  4. Feeling Scattered Already?

    3D AGO

    Feeling Scattered Already?

    Feeling pumped in January, but then kind of drifting by week two? Feeling Scattered Already? Yeah, we’ve all been there. Today, we’re diving into the power of small, intentional choices that can totally change your game. Seriously, it’s those little decisions that can steer your next 90 days, and who wouldn’t want that? We’re all about finding those tiny habits that stick and help you break away from that financial drift. So, grab your coffee or whatever gets you going, and let’s chat about how to keep that momentum rolling in a chill and steady way. Trust me, these small steps are way more impactful than you think! Read today's blog article Check out the full podcast episode here January can be a bit of a rollercoaster, right? I start the year feeling like a superhero, but by week two, I’m already slipping back into old habits, drifting, doubting, and wondering what happened to all that motivation. In this episode, I dive straight into that struggle and share some lessons that hit close to home. I’ve learned that real change isn’t about grand gestures or massive goals; it’s about the tiny, intentional decisions I make every single day. One small choice can set the tone for the next few months. My daily decisions shape my destiny, and the key to staying on track is embracing those small, consistent habits. Instead of overwhelming myself with huge plans, I focus on simple actions that build real financial peace. Change doesn’t come from hoping, it comes from doing. Takeaways: January often starts strong, but by the second week, we drift off course, right? Change really comes from small, intentional choices we make every day, my friend. Daily decisions shape our habits and ultimately our destiny, so choose wisely! To stop drifting, reconnect with your 'why' because it drives your daily habits. It’s all about those tiny, boring steps done consistently over time that lead to breakthroughs. Track your habits, not perfection; streaks build identity and help us show up daily. Links referenced in this episode: financiallyconfidentchristian.com/join 💛 Join the Financially Confident Christian CommunityIf today’s episode encouraged you, we’d love to invite you to be part of something bigger — the Financially Confident Christian Community. This is where faith and finances come together — a growing family of believers supporting one another, sharing encouragement, and helping spread God’s truth about money. Your membership helps keep the show free for everyone while funding new devotionals, study guides, and outreach resources. 👉 Learn more and join the mission at financiallyconfidentchristian.com/join Together, we’re helping believers everywhere break the cycle of financial shame and live with confidence in Christ. 🙏 LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) Please share our Podcast with all your friends and family! Submit your questions or ideas for future shows - email us...

    12 min
  5. Who’s on Your Financial Dream Team?

    4D AGO

    Who’s on Your Financial Dream Team?

    Are you trying to handle your entire financial world by yourself? Who’s on Your Financial Dream Team? Well, let me tell you, you’re not meant to do it solo! In this episode, we dive into the importance of having your own financial dream team. We chat about how having the right crew—like a tax pro, a financial advisor, and a mentor—can save you time, money, and a whole lot of stress. Seriously, it’s like having your own financial Avengers; they help you dodge mistakes and make better decisions. So, let’s get you set up with the right voices in your corner, because navigating finances alone is just plain exhausting! Read today's blog article Check out the full podcast episode here Ever feel like you're drowning in a sea of budget spreadsheets, tax forms, and investment choices? Yeah, we’ve all been there. Today, we tackle the idea that you don’t have to go solo on your financial journey. It’s like trying to eat a giant pizza all by yourself—sure, you can do it, but it’s way better with friends! We dive into the concept of a ‘financial dream team’—those essential folks who help lighten the load and help you dodge all those pesky mistakes. Think of it as assembling your Avengers, but instead of fighting aliens, we’re slaying financial stress! Takeaways: Carrying your financial life alone is like trying to juggle flaming swords – just don’t do it! Having the right financial team makes you feel less stressed and helps you make smarter moves. You don’t need a huge crew; just a few wise folks who vibe with your goals will do. It's crucial to review your financial squad every year; your needs change, so your team should too! Finding the right advisors can save you money and headaches – trust me, it’s a game-changer! Look for clarity and good communication when picking your financial dream team – it matters way more than fancy titles! Links referenced in this episode: financiallyconfidentchristian.com/join 💛 Join the Financially Confident Christian CommunityIf today’s episode encouraged you, we’d love to invite you to be part of something bigger — the Financially Confident Christian Community. This is where faith and finances come together — a growing family of believers supporting one another, sharing encouragement, and helping spread God’s truth about money. Your membership helps keep the show free for everyone while funding new devotionals, study guides, and outreach resources. 👉 Learn more and join the mission at financiallyconfidentchristian.com/join Together, we’re helping believers everywhere break the cycle of financial shame and live with confidence in Christ. 🙏 LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) 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...

    10 min
  6. Unsure Where to Start? What’s Your First Step into the New Year?

    5D AGO

    Unsure Where to Start? What’s Your First Step into the New Year?

    Unsure Where to Start? What’s Your First Step into the New Year? We’re diving into how to build real momentum without the pressure of those pesky resolutions that nobody actually follows. The key takeaway? You don’t need to be perfect to get started; just a few small, consistent actions can create some serious momentum that lasts way past the January hype. We’ll chat about how easy it is to automate savings, pay one bill early, and even draft a simple one-page plan to keep you on track. So, let’s get those first steps rolling and turn those good intentions into real progress, my friend! Read today's blog article Check out the full podcast episode here Ever feel like you're stepping into January with a heart full of hope but zero push? Yeah, we’ve all been there. Instead of getting caught up in the pressure to create these grand resolutions, let’s chat about what really counts: momentum. Momentum is the secret sauce that turns your good intentions into real progress. It’s not about perfection; it’s about taking those small, deliberate steps that build up over time. In this episode, we dive deep into how just a couple of tiny actions—like automating your savings or paying a bill early—can flip the script on your financial game. Forget the stress of elaborate plans; simplicity is key. I share stories of everyday folks who transformed their lives with just a few simple tweaks, proving that the little things do pack a punch. So, if you’re ready to kick off the new year with some genuine momentum, this chat is for you! Takeaways: Kicking off a new year feels awesome, but sometimes we just lack the push to get rolling, ya know? You don't gotta be a perfectionist to start making changes, just take that first step, my friend. Small, consistent actions are like the secret sauce for building real momentum that lasts longer than any New Year’s hype. Forget resolutions, focus on small wins that make you feel steady and capable as you tackle the year ahead. Links referenced in this episode: FinanciallyConfidentChristian.com/join 💛 Join the Financially Confident Christian CommunityIf today’s episode encouraged you, we’d love to invite you to be part of something bigger — the Financially Confident Christian Community. This is where faith and finances come together — a growing family of believers supporting one another, sharing encouragement, and helping spread God’s truth about money. Your membership helps keep the show free for everyone while funding new devotionals, study guides, and outreach resources. 👉 Learn more and join the mission at financiallyconfidentchristian.com/join Together, we’re helping believers everywhere break the cycle of financial shame and live with confidence in Christ. 🙏 LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) Please share our Podcast with all your friends and family! Submit your questions or ideas for future shows - email us at  a href="mailto:ralph@askralph.com" rel="noopener...

    9 min
  7. Stuck in Old Money Stories? Ready for a Growth Mindset?

    6D AGO

    Stuck in Old Money Stories? Ready for a Growth Mindset?

    Feeling like you're just bad with money? Trust me, you're not alone. A ton of folks carry that same weight around, but it’s time to flip the script! Stuck in Old Money Stories? Ready for a Growth Mindset? We dive into how those negative thoughts can freeze your progress and keep you stuck in a rut. But here's the kicker: God can totally renew your mind and rewrite your money story. We’re chatting about practical steps to shift your mindset, replace lies with truth, and build some real financial confidence. So, grab your favorite drink and let’s get into it! Read today's blog article Check out the full podcast episode here Money talks, right? But sometimes it feels like it’s whispering sweet nothings while I’m spiraling into the abyss of financial frustration. In this episode, I dive headfirst into the messy waters of my own financial mindset, confronting those pesky thoughts that keep popping up like a bad penny. You know the ones: “I’m just bad with money” or “I’ll never get this.” Trust me, I’ve been there—and if you have too, you’re not alone. I’ve realized these thoughts are just old, worn-out scripts I’ve been replaying for years, and it’s time for a serious rewrite. The heart of this episode is all about shifting my mindset. I’ve had to face a hard truth: fixed thinking is like a straitjacket on my financial growth. What I tell myself over and over eventually becomes my reality. If I keep saying I’m terrible with money, I’m going to live that story out. But here’s the game changer: God wants to renew my mind, and that renewal can completely transform how I handle my finances. This journey isn’t just about numbers—it’s about identity. I can learn, grow, and change, and I share a bit of my own story to show that transformation is possible. I also break down some practical steps that helped me get unstuck, because small shifts really can lead to big breakthroughs. So if you’ve ever felt overwhelmed or stuck in a financial rut, I get it. I’ve been right there too. In this episode, I walk through how I’ve learned to identify the lies I tell myself, replace them with truth, and take small, consistent steps toward a healthier financial future. It’s all about practice, patience, and showing up for yourself—day by day. We’ve got this! Takeaways: You might think you're bad with money, but you're just repeating old stories. Shifting your mindset about money can lead to real changes in your finances. God can help renew your mind, shifting your identity from incapable to capable. Celebrate your small wins; progress is about consistency, not perfection. Identifying the lies you tell yourself about money is the first step to change. Your financial journey is a process, not a sprint—embrace the journey. Links referenced in this episode: financiallyconfidentchristian.com/join 💛 Join the Financially Confident Christian CommunityIf today’s episode encouraged you, we’d love to invite you to be part of something bigger — the Financially Confident Christian Community. This is where faith and finances come together — a growing family of believers supporting one another, sharing encouragement, and helping spread God’s truth about money. Your membership helps keep the show free for everyone while funding new devotionals, study guides, and outreach resources. 👉 Learn more and join the mission at a href="https://financiallyconfidentchristian.com/join" rel="noopener...

    11 min
  8. Chasing the Wrong Treasure?

    12/25/2025

    Chasing the Wrong Treasure?

    Today is all about flipping the script on what we think wealth really is. Chasing the Wrong Treasure? Christmas isn’t just about the gifts and chaos; it’s a chance to reset our hearts and remember that true riches come from Christ, not our bank accounts. You know, Jesus showed up in this world with nothing but meaning and purpose, and he’s here to teach us that our worth isn't tied to our cash flow. So, let’s dive into how we can put Christ at the center of our finances and make decisions that actually matter. We’re gonna chat about finding peace over pressure and how to let go of the stress that comes with money. Grab a cozy spot and let’s get into it! Read today's blog article Check out the full podcast episode here Today feels like a sacred moment for me—a day to slow down, reflect, and remind myself of what truly matters. In this episode, I take you with me on a journey of understanding wealth through a spiritual lens, flipping the script on what the world tells us about riches. I dive deep into the heart of Christmas and how this season—so often swallowed up by shopping, pressure, and noise—is actually an invitation to reset our definition of wealth. Jesus didn’t enter this world in a palace; He arrived in the humblest of settings. That truth reminds me that real wealth isn’t about the size of my bank account but the condition of my heart. This episode isn’t just about money—it’s about aligning my treasures with my values and seeking a deeper connection with Christ. I share personal stories and practical reminders, like choosing faithfulness over fame and keeping Christ at the center of every financial decision I make. True wealth, I’ve learned, comes from a heart rooted in Jesus. My hope is to encourage you—as I encourage myself—to step back from the noise and refocus on what truly matters. As I sit with these thoughts, I also wrestle with a question many of us face: how do I keep Christ at the forefront of my finances when life gets loud? This isn’t just a philosophical idea—it’s real life, especially when the pressure of money and materialism starts to weigh heavy. I challenge myself (and you) to shift the question from “How much do I have?” to “Who has my heart?” Through stories and practical steps, I walk through how aligning my financial choices with my faith brings clarity, peace, and confidence. It’s a simple but powerful truth: when my heart is focused on Christ, everything else—including my finances—starts to make a whole lot more sense. Takeaways: Christmas reminds us that true wealth is not about money but about spiritual richness. In this chaotic world, we need to focus on what truly matters, like faith and love. Jesus came into this world poor to show us that our true treasure is Him. If you want to live with Christ at the center, you gotta let Him lead your finances. Links referenced in this episode: financiallyconfidentchristian.com/join 💛 Join the Financially Confident Christian CommunityIf today’s episode encouraged you, we’d love to invite you to be part of something bigger — the Financially Confident Christian Community. This is where faith and finances come together — a growing family of believers supporting one another, sharing encouragement, and helping spread God’s truth about money. Your membership helps keep the show free for everyone while funding new devotionals, study guides, and outreach resources. 👉 Learn more and join the mission at a...

    12 min
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2025 Best Christian Finance Podcast in the U.S. — Best of Best Review I believe money isn’t just about numbers — it’s about confidence, stewardship, and faith. If you’ve ever felt trapped in the cycle of financial shame, I want you to know — you’re not alone, and you don’t have to stay there. I’m Ralph Estep Jr., and on Financially Confident Christian, I help you blend Biblical wisdom with practical financial strategies so you can finally find peace with your money and purpose in your plans. Every day, you’ll get real-world steps you can take right now — no confusing jargon, no judgment — just daily encouragement, proven principles, and faith-driven clarity to help you break free, build confidence, and honor God with your resources. Whether you’re paying off debt, learning to budget with purpose, or dreaming of financial freedom, this show is your daily companion for faith-based financial growth. Your story isn’t defined by your past mistakes. It’s shaped by your next faithful step. So hit follow, and let’s walk this journey together — one decision, one prayer, one day at a time.

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