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

    17H 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
  2. Stuck in Old Money Stories? Ready for a Growth Mindset?

    1D 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
  3. Chasing the Wrong Treasure?

    2D AGO

    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
  4. Why Do You Hide Your Wins?

    3D AGO

    Why Do You Hide Your Wins?

    We're diving into the heart of Christmas Eve, a time to pause and reflect on our wins from the past year. Why Do You Hide Your Wins? If you've been beating yourself up about not hitting every goal, let’s flip that script! Progress is still progress, no matter how messy it was. I’m here to remind you that it’s all about recognizing the steps you've taken, no matter how small. So, grab a cozy drink, kick back, and let’s celebrate those victories together, because trust me, they matter! Read today's blog article Check out the full podcast episode here Christmas Eve is a time for reflection, and today we dive into that vibe. It’s all about celebrating the little wins we often overlook, especially during the holiday hustle. Like, how many of us get caught up in the chaos and forget to give ourselves a pat on the back? Seriously, whether you paid off a credit card, started saving a little cash, or just managed to keep your plants alive, those are all wins worth celebrating, my friends. We chat about how progress isn’t about perfection; it’s about those faithful steps—even if they’re small. We also explore how embracing gratitude can shift our mindset and help us see the blessings in our lives. So, grab a cozy drink, and let’s reminisce about the year and all the good stuff we achieved, no matter how messy it was! Takeaways: It's crucial to reflect on what we've achieved this year, even the small wins. Celebrating progress, no matter how tiny, is a big deal, especially as we wrap up the year. Don't stress about not hitting every goal; focus on the progress you made and acknowledge it with gratitude. Gratitude isn't just a feel-good thing; it changes how we view our challenges and can lead to real transformation in our lives. Sharing your wins with friends or family can strengthen relationships and encourage others, so let's spread the good vibes this Christmas! Recognizing your milestones helps you see God's hand in your life, turning the mundane into a testimony of faith and growth. Next year, let's kick things off not with guilt about what we didn't do, but with joy for what we accomplished and hope for what's to come. 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...

    12 min
  5. Confused by Tax Changes? What’s the ONE Thing You Must Know?

    4D AGO

    Confused by Tax Changes? What’s the ONE Thing You Must Know?

    Confused by Tax Changes? What’s the ONE Thing You Must Know? Today, we’re diving into the wild world of taxes because let’s face it, tax season can stress anyone out. With all the rule changes, it’s easy to feel like you’re on a never-ending rollercoaster of confusion. But here’s the kicker: you don’t have to understand every little detail; just grasp one crucial thing that’ll keep those surprise tax bills at bay. We’re breaking it down so you can chill out and keep your peace, because nobody wants that dreaded April anxiety. So, grab a cup of coffee, kick back, and let’s simplify this tax maze together—trust me, a few small tweaks can make a world of difference! Read today's blog article Check out the full podcast episode here Taxes can be a real pain, am I right? Year after year, the IRS keeps throwing curveballs at us, and honestly, it can feel like we're just trying to hit a moving target blindfolded. But here’s the kicker: you don’t need to know every single tax change to keep your head above water. Instead, I’m here to drop some wisdom on one crucial thing that can save you from those nasty surprise tax bills that hit us like a freight train every April. Clarity is the name of the game, folks! In this episode, we break down how you can navigate the tax maze without losing your marbles. I’ll share some simple steps to keep your finances chill and avoid that dreaded IRS letter. So, let’s kick back, relax, and dive into how we can all keep our cool during tax season! Takeaways: Taxes stress everyone out, especially with all the constant rule changes from the IRS. You really only need to grasp one main thing to dodge surprise tax bills. It’s all about clarity today to avoid surprises tomorrow when tax season rolls around. Understanding your tax bracket and standard deduction can save you a ton of headaches come April. Adjusting your withholding now can prevent a nasty surprise tax bill later on. You don’t have to know everything about taxes; just the right bits can lead to peace. Links referenced in this episode: financiallyconfidentchristian.com/2026 💛 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...

    11 min
  6. Anxious About January Bills? How Prep Can Calm the Storm

    5D AGO

    Anxious About January Bills? How Prep Can Calm the Storm

    January can hit like a freight train, right? All those bills and expenses seem to pile up outta nowhere, making us feel like we’re drowning in financial chaos. But guess what? You don’t have to let January push you around this year. Anxious About January Bills? How Prep Can Calm the Storm. In this chat, I’m sharing how a little prep in December can help you stroll into January with way more chill. We’ll break down some easy-peasy steps to tackle those sneaky expenses and keep your peace intact. So, let’s dive in and make sure you’re ready to crush the new year without breaking a sweat! Read today's blog article Check out the full podcast episode here January can feel like a punch in the gut for me sometimes—maybe you feel it too. It’s that time of year when the bills come knocking loud and clear, and I’m still recovering from the holiday hangover. In this episode, I dive deep into that all-too-familiar struggle, reminding myself (and you) that we’re not navigating this chaotic financial whirlwind alone. I get real about the usual culprits: insurance renewals, heating bills that seem to skyrocket overnight, and those school fees that somehow always land at the exact same time. But here’s what I’ve discovered: it doesn’t have to be this way. With just a bit of prep work in December, I can walk into January like I own the place—armed with a solid plan instead of stress. I share some practical steps I use to get ahead of the January blues, from listing out those sneaky, easy-to-forget expenses to pre-funding the biggest troublemakers. I break it all down in a simple, doable way. And of course, I sprinkle in some Bible wisdom—because let’s be honest, I’ll take all the divine backup I can get when I’m navigating the money maze. So grab your pen and paper, and let’s get ready to kick January’s butt together. Takeaways: January can feel like a financial punch to the gut because of all those bills. Planning for recurring expenses in December can reduce stress and bring peace in January. Don't let January catch you off guard; prep for it and start the year right. Listing your expenses and pre-funding big bills can really make a difference. Shifting some December wants to February can help you manage your budget better. A little planning goes a long way in creating a calm and confident new year. 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 a href="https://www.youtube.com/channel/UC1ZyJLydWUPqYaF2mS1l1Yg" rel="noopener...

    8 min
  7. Afraid of Next Year? Let's break that fear!

    6D AGO

    Afraid of Next Year? Let's break that fear!

    Afraid of Next Year? Let's break that fear! You're not alone, my friend! With prices climbing and income feeling like a rollercoaster, it’s easy to get caught up in that spiral of worry. But don’t sweat it; fear might love to whisper “what if things get worse,” but faith has a better comeback: “God will.” We’re diving into how to swap that anxiety for some solid trust, giving you practical ways to embrace confidence instead of dread. So grab your favorite drink, kick back, and let’s chat about trusting God with our needs, one day at a time. Read today's blog article Check out the full podcast episode here Prices seem to be climbing faster than my monthly bills, and it’s tough not to feel that knot forming in my stomach when I think about it all. But here’s what I’m learning: there’s a powerful voice of faith that can speak louder than all those anxious whispers. In this episode, I dive into the truth that God’s provision is always enough—even in seasons that don’t look or feel abundant. For me, it’s not just about spiritual vibes; it’s about practical trust. I share some of my own experiences, the moments when God showed up in the leanest times, often in ways I didn’t expect. I talk about how I’m facing my fears with scripture, creating a needs-first spending plan, and leaning into daily gratitude to keep my heart anchored. It’s a simple game plan that helps me walk into the new year with confidence instead of anxiety. So whether you’re stressing over the small stuff or the big stuff, come hang out with me in this episode. I’ve got some strategies that lighten the load and strengthen your faith as we navigate the uncertainties ahead—together. Takeaways: Feeling nervous about the upcoming year is totally normal, especially with rising prices and unstable income. Trusting God isn't just a spiritual thing; it's about practical steps we can take daily. Fear and worry have been around since forever, but God's faithfulness never changes, no matter what. Keeping a provision journal helps you see God's past faithfulness, which builds trust for the future. Gratitude is a powerful tool that can shift your focus from fear to appreciation of what you have. Planning your needs first can reduce anxiety and help you focus on what really matters. 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...

    11 min
  8. Easily Swayed by ‘Deals’? I have the solution!

    DEC 20

    Easily Swayed by ‘Deals’? I have the solution!

    Ready to kick off the new year with a bang, but feeling like temptation's got your number? Easily Swayed by ‘Deals’? I have the solution! This episode dives into how to dodge those sneaky traps that pop up just when you're trying to make some financial moves. We’re talking about setting up some solid guardrails to keep your peace, focus, and wallet intact before temptation even knocks. We'll share some real-life strategies, like the 24-hour rule and unsubscribing from those pesky promo emails, that’ll help you keep your cool when the sales start flashing. Trust me, having a plan beats relying on willpower any day of the week, and we’ve got the tips to help you craft your own escape plan. Let’s get into it and make this year the one where we stay ahead of the game! Read today's blog article Check out the full podcast episode here Kicking off the new year feels like stepping onto a bright path, right? We’re all about that new year, new me vibe! But then, bam! January hits and we’re smacked with a barrage of sales, flashy credit card offers, and all those sneaky ads promising to fix our lives with just one click. It’s like temptation shows up with a party hat, ready to crash your goals! But fear not, because we’re diving deep into how to build some solid guardrails that keep your wallet safe and your peace intact. Seriously, we’re talking about setting boundaries that help you dodge those traps before they even show up at your door. This is all about keeping your financial game strong and your heart light. Join me as I share some foolproof strategies to resist those financial temptations and walk into this year with confidence! Takeaways: Starting the new year with hope is great, but watch out for temptations that can derail you. Temptations come rushing in when you're trying to make positive changes, so be prepared. Setting boundaries like spending caps and cooling-off periods can save you from financial regret. Unsubscribing from promotional emails is a smart move to avoid impulse buys and stress. Naming your temptations helps you recognize and fight them before they catch you off guard. Replacing lies with God's truth about contentment can help you resist those flashy deals. 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) a href="https://rumble.com/c/ASKRALPHPODCAST" rel="noopener...

    11 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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