Financially Confident Christian

Ralph V. Estep, Jr.

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. 21h ago ·  Video

    Why Does My Grocery Bill Keep Going Up?

    Grocery bills are climbing faster than a cat up a tree, and today we’re diving into why that cart full of goodies costs you way more than it did last year. A listener shared her receipts, and let me tell you, it’s a real eye-opener! Why Does My Grocery Bill Keep Going Up? We’re breaking down the sneaky culprits behind those price hikes—spoiler alert: it’s not just inflation, but also something called shrinkflation that’s got us all feeling a bit cheated. But don’t worry, I’m not just here to point fingers; I’ve got some solid tips to help you claw back some cash without living on instant ramen. Stick around for a practical chat that’s gonna help you tackle those rising grocery costs and keep your family fed without breaking the bank! Read today's blog article Check out the full podcast episode here Groceries seem to be pulling a fast one on us lately, right? I mean, who hasn’t noticed that our shopping carts are feeling a bit lighter in terms of quantity but heavier on our wallets? So, when a listener hit me up with her grocery receipts from two different trips—just eight months apart—I knew we had to dig deep into what’s going on. Turns out, it’s not just your imagination; prices are climbing due to two sneaky culprits: inflation and shrinkflation. Yeah, you heard that right! Inflation is the straightforward part—items just cost more. But shrinkflation? That’s when your favorite box of cereal magically shrinks in size while the price tag remains the same. Sneaky, huh? Today, I’m all about giving you the lowdown on how to navigate these choppy financial waters without having to resort to living off of plain rice and beans. We’ll explore practical strategies to help you claw back some cash and keep enjoying your favorite meals without feeling like you’re breaking the bank. Stay tuned because we’re diving right into some money-saving hacks that’ll make grocery shopping a lot less painful and a lot more manageable. Takeaways: Grocery prices are climbing due to inflation and shrinkflation, hitting our wallets hard.Tracking your grocery spending can help you identify trends without feeling overwhelmed.Building a flexible meal plan lets you shop the sales instead of sticking to rigid budgets.Understanding unit prices is key; bigger boxes don’t always mean better deals anymore.Don't stress about adjusting your shopping habits; it's just adapting to the current reality.Faith assures us that our needs will be met, even when prices feel out of control. Links referenced in this episode: financiallyconfidentchristian.com/questionfinanciallyconfidentchristian.com/voicemail 💛 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. 🙏 Get Ralph's Book on becoming a Financially Confident Christian financiallyconfidentchristian.com/becoming 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 page Leave A Voicemail Message

    Why Does My Grocery Bill Keep Going Up?
  2. 1d ago ·  Video

    I Got a Scam Text Saying My Bank Account Was Locked. How Do I Know What's Real?

    Today we're tackling the wild world of financial scams and how to outsmart those sneaky tricksters. You know the drill—your phone buzzes with a message that sends your heart racing, claiming your bank account is locked. But hold up! Instead of panicking and clicking that link, we’re diving into some chill tips on spotting the fakes before they drain your wallet. I Got a Scam Text Saying My Bank Account Was Locked. How Do I Know What's Real? We’ll break down red flags, the importance of verifying info, and how to keep your cash safe without living in fear. So, grab a comfy seat, and let’s get our financial game on point! Read today's blog article Check out the full podcast episode here Picture this: You’re chillin’, scrolling through your phone when suddenly, BAM! A text pops up claiming your bank account's locked. Your heart does a little flip, right? It's enough to make anyone sweat. Today, we’re diving into the murky waters of financial scams that are getting slicker by the day. It’s all about staying one step ahead of those sneaky scammers who thrive on panic and urgency. We break down how to spot the real deal from the scams so you don’t end up playing a dangerous game of click and hope. I’m gonna share some no-nonsense habits that can save your hard-earned cash and keep your mind at ease. So, grab your coffee, sit back, and let’s get into it! Takeaways: Scammers thrive on urgency and panic, so take a breather before clicking any links.Always verify messages directly through your bank's official app instead of clicking links.Look out for red flags like poor spelling or requests for payment via gift cards.Enable two-factor authentication on your accounts, because it’s a game changer for security. Links referenced in this episode: financiallyconfidentchristian.com/questionfinanciallyconfidentchristian.com/voicemail 💛 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. 🙏 Get Ralph's Book on becoming a Financially Confident Christian financiallyconfidentchristian.com/becoming 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 page Leave A Voicemail Message

    I Got a Scam Text Saying My Bank Account Was Locked. How Do I Know What's Real?
  3. 2d ago ·  Video

    How Much Should I Really Be Saving for Retirement?

    Retirement can feel like a distant dream until, bam, it sneaks up on you! If you’ve ever wondered if you’re saving enough for your golden years, you’re not alone, and that’s exactly what we’re diving into today. How Much Should I Really Be Saving for Retirement? We’re here to help you kick anxiety to the curb and give you a solid plan you can actually stick with. Spoiler alert: you don’t need to be perfect to start making progress. So, grab a comfy seat, and let’s break down how to prepare for one of life's biggest financial milestones without losing your mind! Read today's blog article Check out the full podcast episode here Retirement is like that distant cousin who you know is coming to visit but never seems to show up until you least expect it. In today's chat, we dive into the nitty-gritty of figuring out if you’re saving enough for that golden age. I mean, who hasn’t had that moment of sheer panic when you realize you might be a bit behind the eight ball? We’re tackling the listener question that plagues so many: 'Am I saving enough for retirement?' Spoiler alert: You don’t have to be perfect to make real progress. We’ll dish out some solid advice on how to get a grip on your retirement plan and show you that even small contributions can lead to big wins down the line. So grab a snack, kick back, and let’s get into it! Takeaways: Retirement can feel like a distant dream until suddenly it's right around the corner, so don't just wait.If you're wondering if you're saving enough, don't stress, it's a common question many folks ask.You might feel like you're behind on retirement, but remember, progress is made one step at a time.Don't let fear of starting late hold you back; it's never too late to get going on your retirement savings.Take advantage of employer matching contributions; it's like finding free money on the sidewalk, so grab it!Consistency is key in retirement planning; small, regular contributions can lead to big results over time. Links referenced in this episode: financiallyconfidentchristian.com/questionfinanciallyconfidentchristian.com/voicemail 💛 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. 🙏 Get Ralph's Book on becoming a Financially Confident Christian financiallyconfidentchristian.com/becoming 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 page Leave A Voicemail Message

    How Much Should I Really Be Saving for Retirement?
  4. 3d ago ·  Video

    Should I Lock My Money Into a CD Right Now?

    Thinking about jumping on those shiny certificates of deposit with those juicy interest rates? Hold up! Today, we're diving into whether locking up your cash is really the smart move. Sure, those guaranteed returns sound like a sweet deal, but we gotta chat about your actual goals first. Should I Lock My Money Into a CD Right Now? It’s all about matching the right tool to your financial game plan. We’ll break it down so you can make a decision that serves you now and later, 'cause nobody wants to be in a pinch when life throws a curveball. Stick around, and let’s make sure your money works for you, not the other way around! Read today's blog article Check out the full podcast episode here Diving into the world of certificates of deposit (CDs), we unpack the allure of those shiny interest rates that seem to be popping up everywhere like weeds in a backyard. You know the drill: your bank's tossing out promises of guaranteed returns, and it feels like a no-brainer to just park your cash and watch it grow. But wait a sec – is locking away your dough really the smartest play right now? That's the million-dollar question we tackle! We chat about how these CDs work, and why they can be a fantastic tool for certain savings goals but a total no-go for your emergency fund. Trust me, you don’t want to be scrambling for cash when life throws a curveball. So, let’s break down the pros and cons, and by the end, we’ll ensure you’re armed with the knowledge to make the right call for your cash flow. We’re not just about the rates, we’re about your whole financial game plan, my friend. Takeaways: CDs can be a decent investment, but locking your cash away isn't always the best idea.Make sure your emergency fund stays liquid; life throws curveballs when you least expect it.Not all savings tools fit every goal; find the right match for your financial timeline.Reading the fine print on CDs is essential; don't get caught out by hidden penalties later on.Planning ahead isn't a lack of faith; it's smart stewardship that honors your financial future.Every dollar needs a job; set clear goals for your savings to make decisions easier. Links referenced in this episode: financiallyconfidentchristian.com/questionfinanciallyconfidentchristian.com/voicemail 💛 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. 🙏 Get Ralph's Book on becoming a Financially Confident Christian financiallyconfidentchristian.com/becoming 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 page Leave A Voicemail Message

    Should I Lock My Money Into a CD Right Now?
  5. 4d ago ·  Video

    Is a High-Yield Savings Account Really Worth It?

    So, we’re diving into the nitty-gritty of savings today, and let me tell ya, it’s all about whether you should switch banks for a high yield savings account. You know how it goes—everyone’s chatting about these accounts, and suddenly you’re left wondering if your cash is just chilling in a boring old account while your buddy’s cash is out there partying with interest rates over 4%. Is a High-Yield Savings Account Really Worth It? We’re gonna break it down and see if it’s really worth the hassle of moving your dough. Spoiler alert: it’s not just about the rates, it’s about finding a solid spot for your savings to grow safely. So, grab a drink, kick back, and let’s make sure your money is working as hard as you are! Read today's blog article Check out the full podcast episode here Saving money is a big deal, right? But have you ever stopped to think about where your hard-earned cash is sitting? Today, we dive into a listener's burning question about whether keeping savings at a local bank is a smart move, especially when they hear their buddy is raking in over 4% in a high yield savings account. I mean, who wouldn’t want that? The truth is, many folks don’t realize that the interest rates can vary drastically between traditional banks and online high yield accounts. We break it down, chatting about the safety of your savings, how to keep them accessible, and why you shouldn’t just chase every shiny rate change out there. It’s all about making your money work for you, not the other way around. So, if you’ve been wondering if it’s time to switch things up, stick around because we’ve got some solid tips to help you figure out if it’s worth the hassle or if staying put is your best bet. Takeaways: Starting to save money is a great first step, but where you keep it matters way more than you think.High yield savings accounts can really pump up your interest earnings, but safety comes first, so choose wisely!Don't just chase those flashy interest rates; consistency in saving is key to growing your funds over time.Your emergency fund should be safe and accessible; it's not just about making money, but having peace of mind. Links referenced in this episode: financiallyconfidentchristian.com/questionfinanciallyconfidentchristian.com/voicemail 💛 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. 🙏 Get Ralph's Book on becoming a Financially Confident Christian financiallyconfidentchristian.com/becoming 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 page Leave A Voicemail Message

    Is a High-Yield Savings Account Really Worth It?
  6. 5d ago ·  Video

    Should I Build an Emergency Fund Before Paying Off Debt?

    Every extra dollar can feel like a puzzle, right? Do I stash it away for a rainy day or toss it at my debt? Honestly, it’s a toss-up that can leave you feeling like you're letting one side down. Should I Build an Emergency Fund Before Paying Off Debt? Today, we’re diving into that age-old question: should you save first or pay off debt first? Spoiler alert: it’s not as black and white as folks make it out to be. So kick back, relax, and let’s craft a plan that’ll give you some financial peace of mind! Read today's blog article Check out the full podcast episode here Every extra dollar feels like a mini crisis, right? We’ve all been there, staring at our bank accounts like they’re about to give us the secrets of the universe. The burning question is whether to save that cash for emergencies or tackle our debt head-on. Spoiler alert: it’s a tricky balance. So, what’s the game plan? Start with a small emergency fund—think of it as your financial airbag—before going full throttle on that high-interest debt. You don’t need a massive fortress to fight debt; just a little something to catch you when life throws you a curveball. Once you’ve got that $1,000 safety net, then it’s time to unleash your inner debt-slayer. The key takeaway? Progress over perfection. It’s all about consistency and making those dollars work for you. Trust me, we’re all in this together, and we've got the wisdom to guide you through the financial jungle. Takeaways: Every extra dollar feels like a decision, so plan wisely to avoid stress.Building a small emergency fund of around $1,000 is a solid first step.Pay off high-interest debt once you've got your safety net in place, folks.Financial progress isn't perfect; setbacks happen, so keep moving forward.Remember, financial freedom is the ultimate goal, not just paying off debt.Stewardship means balancing saving and paying off debt without sacrificing trust. Links referenced in this episode: financiallyconfidentchristian.com/questionfinanciallyconfidentchristian.com/voicemail 💛 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. 🙏 Get Ralph's Book on becoming a Financially Confident Christian financiallyconfidentchristian.com/becoming 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 page Leave A Voicemail Message

    Should I Build an Emergency Fund Before Paying Off Debt?
  7. 6d ago ·  Video

    Does God Really Care About My Money, or Is That Too Small To Bring To Him?

    Today, we’re diving into a question that’s been weighing on a lot of hearts: Does God actually care about your money? Yep, you heard that right! A listener reached out, feeling kinda guilty about bringing her financial worries to God, thinking they’re too small or worldly for Him to bother with. Does God Really Care About My Money, or Is That Too Small To Bring To Him? But here’s the real deal: God cares about every little detail of our lives, and that includes your electric bill and all those money stresses. So, we’re going to unravel this together and find out how to bring those worries to God without feeling like we're dragging dirt into something holy. Let's kick back, chat about it, and maybe even lighten that financial load a bit! Read today's blog article Check out the full podcast episode here Diving straight into the nitty-gritty of our finances and faith, today’s chat gets real about that nagging question: Does God really care about our money? I know, it’s a heavy topic, but trust me, it’s one that a lot of us wrestle with in silence. You’ve probably been there, bowing your head to pray over your bills while wondering if your bank account is too small to bother the Almighty. Spoiler alert: God’s got time for your electric bill and your grocery tab! We explore how this belief keeps many good folks from bringing their financial worries to God. It’s like carrying a backpack full of bricks when you could just ask Him to help you lighten the load. We dig into Scripture to see how God actually cares about every little detail of our lives, including the dollars and cents. You might think money matters are too worldly for prayer, but that’s just not true! Jesus himself talked about money a ton, so we’re setting the record straight today. Let’s toss those doubts out the window and bring our financial concerns to the table, because nothing is too small for God. Takeaways: Praying about your finances isn't selfish; God really cares about every detail of your life, including your bills.Don't think your money worries are too small; God pays attention to everything that weighs on your heart, even electric bills.Jesus talked about money more than almost anything else in the Bible, showing it's a big deal to God.Bringing your financial concerns to God is about surrendering control, not dragging dirt into holiness.When you're stressed about money, God invites you to trust Him with your worries instead of trying to handle it all alone.Remember, nothing is too small for God; He counts the hairs on your head and cares about your financial burdens too. Links referenced in this episode: financiallyconfidentchristian.com/questionfinanciallyconfidentchristian.com/voicemail 💛 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. 🙏 Get Ralph's Book on becoming a Financially Confident Christian financiallyconfidentchristian.com/becoming 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 page Leave A Voicemail Message

    Does God Really Care About My Money, or Is That Too Small To Bring To Him?
  8. Aug 6 ·  Video

    How Do I Teach My Kids About Money So They Don't Repeat My Mistakes?

    We’re diving into a super important topic today: teaching our kids about money so they don’t have to trip over the same mistakes we did. I mean, let’s face it, we learned the hard way, right? But here’s the good news—your kids’ best money teacher is already in the house: you! How Do I Teach My Kids About Money So They Don't Repeat My Mistakes? Yeah, you don’t have to be a finance whiz to show them the ropes. We’ll chat about practical ways to pass on those lessons, like letting them handle their own cash, using everyday moments as teaching tools, and making sure they know that every dollar has a job. So, grab your coffee, kick back, and let’s get into it! Read today's blog article Check out the full podcast episode here Navigating the money maze can feel like trying to find your way out of a cornfield blindfolded. We've all been there—stressed, making mistakes, and wishing someone had dropped some knowledge bombs on us earlier. But here’s the kicker: we don’t want our kids to go through the same financial rollercoaster. So, how do we flip the script? We’re taking a deep dive into the art of teaching financial literacy to the next generation. The good news? You’re already the best teacher they’ll ever have—no degree in finance required! It’s all about showing them how to learn from your experiences instead of just lecturing them. By sharing your financial journey—mistakes and all—you’re equipping them with real-life lessons that stick. Plus, we cover practical tips: from letting them manage allowance money to using everyday moments as teachable experiences—like comparing prices at the grocery store. Let’s get those kiddos set up for financial success, so they don’t have to clean up the messes we made! Takeaways: Learning about money often comes from those cringe-worthy mistakes we wish we could forget.As parents, we can be the best teachers for our kids when it comes to money matters.Kids pick up lessons better when they see us making mistakes, not just lecturing them.Using everyday moments to teach money concepts makes the learning experience way more relatable. Links referenced in this episode: financiallyconfidentchristian.com/questionfinanciallyconfidentchristian.com/voicemail 💛 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. 🙏 Get Ralph's Book on becoming a Financially Confident Christian financiallyconfidentchristian.com/becoming 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 page Leave A Voicemail Message

    How Do I Teach My Kids About Money So They Don't Repeat My Mistakes?

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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.