Financially Confident Christian

Ralph V. Estep, Jr.
  • 4.8 (19)
  • 基督教
  • 一日一更

2025 Best Christian Finance Podcast in the U.S., awarded by Best of Best Review. Money isn’t just about numbers — it’s about confidence, stewardship, and faith. If you've ever felt stuck in the cycle of financial shame, you're not alone — and you don't have to stay there. Welcome to Financially Confident Christian, where we blend Biblical wisdom, practical financial strategies, and daily encouragement to help you break free, build lasting confidence, and honor God with your resources. Hosted by Ralph Estep Jr., a seasoned financial coach with a heart for ministry, each episode offers real-world steps you can take today — no complicated jargon, no judgment — just real hope and real help. Whether you're climbing out of debt, learning to budget with purpose, or dreaming of financial freedom, this is your place to start. One step. One decision. One prayer at a time. Your story isn’t defined by your past. It's shaped by your next faithful step. Let’s walk this journey together.

  1. Why Does Giving My Money Away Feel So Risky?

    7小时前

    Why Does Giving My Money Away Feel So Risky?

    Today, we’re diving into a topic that’s probably got your stomach in knots—trusting your paycheck versus trusting your provider. Why Does Giving My Money Away Feel So Risky? It’s a biggie, and let’s be real, we all wrestle with it. I mean, who hasn’t flipped out over whether to give when money’s tight? We’re chatting about why giving can feel like a gamble, and how culture pressures us to cling to that paycheck like it's a life raft. But here’s the kicker: Jesus calls us to give, even when it feels like we’re walking a tightrope. So, let’s unpack that and explore what true generosity looks like—trusting the one who provides, not just the cash in our wallets. Read today's blog article Check the full podcast episode here Today's chat dives deep—like, sink-or-swim deep—into a topic that maybe makes you wanna run for the hills: trust. But hold up, it's not just about trusting your friends or that sketchy guy on the corner. Nope, we’re talking about whether you trust your paycheck or the Big Guy upstairs, your provider. I mean, think about it. In a world where everyone’s hustling hard to save those bucks, Ralph hits us with a different perspective. He’s all about giving, even when your wallet feels lighter than a feather. He breaks down how giving can feel like a gamble but really, it’s about making a bold choice: do you trust your cash flow or the one who gave you the ability to earn it? It’s a wild ride filled with personal stories, scripture, and that sweet spot where faith meets finance. So, if you’re ready to flip the script on how you view generosity, this episode is your ticket to a fresh mindset! Takeaways: Sometimes, trusting your paycheck can feel like gambling with your future, right? Ralph really drives home the idea that true generosity is about trusting God, not your money. Giving isn't just about the cash you toss, it's about the faith you build! When you give first, you’re saying, 'Hey, I trust the Provider over my paycheck!','Culture tells us to cling to our cash, but Jesus flips that script on its head! Feeling scared to give? That’s normal, but don’t let fear keep you from generosity! Links referenced in this episode: financiallyconfidentchristian.comtruthunveiledwithralph.comfinanciallyconfidentchristian.com/becoming LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) SUPPORT THE SHOW 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 Buy Ralph's Book - a...

    13 分钟
  2. Why Do I Struggle to Use My Talents to Earn More Money?

    1天前

    Why Do I Struggle to Use My Talents to Earn More Money?

    Today we’re diving into a topic that might ruffle some feathers: Why Do I Struggle to Use My Talents to Earn More Money? Seriously, if you’re keeping those skills and talents under wraps, you’re missing out on blessings—not just for yourself but for others too. We chat about how playing it safe isn’t the humble route it’s cracked up to be. It’s more like disobedience, and that’s a hard truth to swallow. So, stick around as we break down how to unleash those gifts into the world and start making an impact today—because, let’s be real, God didn’t hand out talents for them to gather dust! Read today's blog article Check the full podcast episode here When it comes to using our God-given talents, we’ve got to get real. Hiding those gifts? That's a slippery slope into sin territory, folks. We’re talking about the kind of disobedience that says, "Thanks, but no thanks" to the Creator who blessed us with these skills. Today, we dive deep into why keeping our passions tucked away is a no-go. Culture loves to tell us to play it safe, like we're just supposed to clock in, tick off our tasks, and forget our dreams. But here's the kicker: Jesus wasn’t about that safe life. He didn’t give us these gifts to stash them under a bushel. Nope! He’s calling us to use our talents, to multiply them, and to let them shine. So, if you’ve ever thought, "Who would pay me for this?" or "I’m not good enough," I’m here to tell you that’s a lie! We’ll unpack how to stop burying our gifts and start using them to bless others and ourselves. It’s time to take that leap of faith and let our talents soar! Takeaways: Using your God-given talents isn’t just a nice idea; it’s a must-do thing. Burying your gifts doesn’t show humility; it’s actually a form of disobedience. Playing it safe with your talents is a sneaky way of missing out on blessings. Stop waiting for the right moment; start using your skills today to create impact. Links referenced in this episode: financiallyconfidentchristian.comfinanciallyconfidentchristian.com/becoming LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) SUPPORT THE SHOW 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 Buy Ralph's Book - Mastering Your Finances! Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business...

    12 分钟
  3. Why Is It So Hard to Manage Money When My Income Jumps Around?

    2天前

    Why Is It So Hard to Manage Money When My Income Jumps Around?

    Today, we’re diving into the wild ride of irregular income—yeah, that roller coaster that has us feeling like we’re climbing high one month and plummeting the next. Our buddy in sales dropped a gem, saying his paycheck feels just like that, and honestly, who hasn’t felt that way? Why Is It So Hard to Manage Money When My Income Jumps Around? We’re here to chat about how to flip that fear of financial instability on its head. It’s not just about budgeting better; it’s about changing our perspective and making a solid plan that can actually work for us. So grab your snacks, because we’re breaking down some real strategies to turn that income chaos into something manageable, and even a little less scary! Read today's blog article Check the full podcast episode here Ever feel like your paycheck is a total roller coaster? Yeah, me too! Ralph dives into this wild ride of irregular income and how it messes with our financial mindset. He shares a story about a coaching client who described his paychecks as a thrill ride—some months soaring high and others dropping like a stone. It's a relatable struggle, especially for those of us hustling in sales or the gig economy. Ralph argues that the traditional advice to just save more during the good times is missing the mark. It’s not just about the money; it’s about your perspective on the whole financial track. He encourages us to look at irregular income not as a curse but as an opportunity for discipline and strategy, just like Joseph did in the Bible, who prepared Egypt for famine. So buckle up as we explore how to navigate this financial roller coaster with faith-driven insights and practical tips to break the cycle of financial shame. Takeaways: Managing irregular income is more about mindset than just crunching numbers—shift your perspective. Instead of fearing fluctuating pay, view it as a chance to show financial discipline and strategy. When your paycheck feels like a roller coaster, focus on building systems to manage those ups and downs. Creating a budget for irregular income isn’t just about saving more; it's about prioritizing essentials first. Links referenced in this episode: financiallyconfidentchristian.comfinanciallyconfidentchristian.combecoming LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) SUPPORT THE SHOW 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 Buy Ralph's Book - Mastering Your Finances! Buy Ralph's Book - a...

    14 分钟
  4. Why Do I Feel My Income is Never Enough for My Needs?

    3天前

    Why Do I Feel My Income is Never Enough for My Needs?

    How much money do you really need to feel comfortable? Why Do I Feel My Income is Never Enough for My Needs? Spoiler alert: it’s not about the bucks you’re raking in, but more about the mindset of “enough” you’ve got going on. Today, we’re diving deep into why so many of us feel like our income is never enough, even when we’re cashing in more than before. It’s time to flip the script and realize that culture has fed us a load of baloney about money equaling happiness. Let’s chat about finding purpose and contentment instead of chasing those endless dollar signs. Trust me, you don’t want to miss this! Read today's blog article Check the full podcast episode here Money can be a slippery slope, right? So many of us are on this wild ride, constantly asking ourselves, ‘How much do I really need to be comfortable?’ It’s a great question, but what if I told you we might be asking the wrong one? That’s the vibe we’re diving into today. The truth is, it’s not just about the numbers; it’s about our mindset around money. Culture has fed us this lie that if we could just snag that big paycheck, we’d finally be set. But guess what? Even those with big bucks often feel like they’re still chasing something elusive. Today, we’re flipping the script and exploring why feeling financially secure isn’t just about how much cash you’re raking in, but about redefining what 'enough' really means for you. Takeaways: The amount of money you make isn't the key to feeling secure; it's more about your mindset and definitions of enough. Culture keeps telling us we need more money to be happy, but that ain't the whole truth, folks. True contentment comes from learning to appreciate what you already have, not just chasing the next paycheck. We need to shift our focus from wanting more cash to recognizing what God has already provided for us. Understanding your real needs versus your wants can change how you view your financial situation. Remember, enough isn't a number; it's about trusting in God, who is the real provider. Links referenced in this episode: financiallyconfidentchristian.comfinanciallyconfidentchristian.com/becoming LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) SUPPORT THE SHOW 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 Buy Ralph's Book - Mastering Your Finances! Buy Ralph's Book - a href="https://askralph.kit.com/products/gospel-of-entrepreneurship"...

    11 分钟
  5. Why Do Taxes Always Feel So Confusing and Stressful?

    4天前

    Why Do Taxes Always Feel So Confusing and Stressful?

    Tax season can feel like a bad movie we all have to sit through, right? Why Do Taxes Always Feel So Confusing and Stressful? But it doesn’t have to be a total nightmare! Today, we’re diving into some chill tips to help you tackle your taxes without the stress. The secret sauce? Get organized, my friends! Having everything in one neat folder throughout the year can save you from that last-minute panic. So, grab your receipts and let’s make tax time a breeze instead of a headache! Read today's blog article Check the full podcast episode here Taxes. Ugh, right? They’re like that annoying relative who shows up uninvited every year. But what if I told you there’s a way to make tax season feel less like a trip to the dentist? That’s what I’m diving into today. I’m all about helping you kick that tax-time panic to the curb, one simple step at a time. First off, let’s chat about why so many of us freak out about taxes. Spoiler alert: it’s mostly because we’re not prepared. Yeah, I said it! Most people are sitting there with a mountain of receipts and forms, feeling overwhelmed and stressed. But fear not! I’m here to drop some wisdom on how to tackle this beast with a year-round mindset. It’s all about getting organized, folks. Trust me, having your tax affairs in order is like having a cheat sheet for life. We’re talking about creating a simple tax folder – digital or paper - whatever floats your boat. Just start tossing those receipts in there as you get them, and boom! You’re already ahead of the game. Let’s make taxes less taxing, shall we? Takeaways: Tax season does not have to be a source of stress and panic; preparation is key! Creating a simple tax folder to organize receipts can totally change your tax time game. Staying organized throughout the year means less stress when tax season rolls around, trust me! Procrastination leads to chaos; handling taxes on a monthly basis makes it way easier. Being a good steward of your finances means preparing for taxes all year long, not just last minute. Remember, folks, tax time is inevitable, but your stress level doesn't have to be! Links referenced in this episode: financiallyconfidentchristian.comfinanciallyconfidentchristian.com/becoming LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) SUPPORT THE SHOW 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 Buy Ralph's Book - a href="https://askralph.kit.com/products/master-your-finances" rel="noopener noreferrer"...

    9 分钟
  6. Why Are My Utility Bills Always So High and Stressful?

    5天前

    Why Are My Utility Bills Always So High and Stressful?

    Ever crack open your electric bill and feel like you just got hit by a ton of bricks? Yeah, me too. It’s wild how those numbers just keep climbing, right? Why Are My Utility Bills Always So High and Stressful? Today, we’re diving into some super chill tips to help you cut those pesky utility costs without turning your home into an icebox or a sauna. We’re all about smart savings and wise stewardship, so let’s get into how we can keep more cash in our pockets while still enjoying a comfy home. Grab a seat, kick back, and let’s tackle those bills together! Read today's blog article Check the full podcast episode here Ever look at your electric bill and think, "What in the world?" Trust me, you're not alone. It seems like every month, the numbers just keep climbing higher, and it's enough to make anyone choke on their morning coffee. But here's the kicker: it doesn't have to be this way! This show dives into some seriously practical tips for slashing those utility costs without turning your home into an icebox in winter or a sauna in summer. Host Ralph shares insights from his own life, including a heart-to-heart with his son who's about to spread his wings and move into his very own apartment. Talk about real-life lessons! We tackle the myth that utility bills are fixed costs and reveal how small tweaks—like lowering your thermostat by just a couple degrees—can save you a ton of cash over time. And trust me, it all adds up! From swapping out traditional light bulbs for LEDs to unplugging chargers when not in use, Ralph's got a whole toolkit of tips that anyone can use to keep those pesky bills in check. Plus, there's a nice tie-in to wise stewardship from a faith perspective. It's all about honoring what we've been given, and that includes our finances. So, if you're ready to stop feeling like you're just working to pay the power company, tune in for some savvy advice that'll have you feeling financially confident in no time! Takeaways: Electric bills can be shocking, but they're not fixed costs, we can reduce them! Lowering your thermostat by just a couple degrees can save you big bucks, trust me! Swapping out your old bulbs for LED ones is a smart move that pays off in the long run. Shortening your shower by just two minutes can cut your water bill significantly, like seriously! Unplugging chargers when not in use might seem small, but it can add up to real savings over time! Being a good steward means wasting less and managing your resources wisely, so let’s get on it! Links referenced in this episode: financiallyconfidentchristian.comfinanciallyconfidentchristian.com/becoming LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) SUPPORT THE SHOW 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

    11 分钟
  7. Why Does Retirement Planning Feel So Overwhelming and Far Away?

    6天前

    Why Does Retirement Planning Feel So Overwhelming and Far Away?

    Retirement planning isn’t just about the dough, folks—it's really about facing our mortality and figuring out our identity when the daily grind is done. Yeah, I know, it sounds a bit heavy, but stick with me, alright? We dive into why so many of us get all knotted up over retirement and why it feels like a distant shore. It's not the numbers that keep us awake at night; it's the big questions about who we’ll be when the title of “employee” fades away. So grab a comfy seat and let’s unpack this together—because trust me, it’s not just about the bucks in the bank; it’s about who you’re gonna be when the job’s off the table. Why does retirement planning feel so overwhelming and far away? Read today's blog article Check the full podcast episode here Retirement planning is a hot topic, but let’s get real for a sec: it’s not just about the cash. I mean, come on! We dive into some heavy stuff today, like mortality and identity. Yeah, I said it. It’s kind of a buzzkill, but truth be told, that’s what keeps folks up at night. You’re not losing sleep over compound interest; you’re stressing over what life looks like when the daily grind ends. And honestly, that’s a tough pill to swallow. We talk about how our jobs shape who we are, and how stepping away from them can feel like losing a part of yourself. But don’t sweat it! There’s a way to approach this with a little grace. We’ll pull some wisdom from Scripture to help us navigate these feelings and give you some action steps that aren't all about spreadsheets and savings accounts. So, get comfy and let’s figure out how to embrace this next chapter of life with a bit more confidence and clarity, shall we? Takeaways: Retirement planning isn't just about the dollars and cents; it's about who you are. Facing mortality can be tough, but it's essential for meaningful retirement planning. Our jobs shape our identities; it's crucial to redefine ourselves beyond our careers. Prayer should kick off your retirement planning, asking God what your next season looks like. Links referenced in this episode: financiallyconfidentchristian.comfinanciallyconfidentchristian.com/becoming LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) SUPPORT THE SHOW 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 Buy Ralph's Book - Mastering Your Finances! Buy Ralph's Book - a href="https://askralph.kit.com/products/gospel-of-entrepreneurship" rel="noopener noreferrer"...

    11 分钟
  8. Why Do I Keep Losing Money to Forgotten Subscriptions?

    9月14日

    Why Do I Keep Losing Money to Forgotten Subscriptions?

    Today, we're diving into the sneaky world of subscriptions that are quietly munching away at your budget. You know, those Netflix and Spotify accounts you signed up for but barely use? Yeah, they might be draining your wallet without you even noticing! Why Do I Keep Losing Money to Forgotten Subscriptions? We're all about finding those hidden budget leaks today, so stick around. I’ve got some solid tips to help you take control and maybe even put some extra cash back in your pocket. So, grab a snack, kick back, and let’s get into how we can stop those little budget drips before they turn into a waterfall! Read today's blog article Check the full podcast episode here Ever find yourself wondering where all your cash goes? You know, like when you sign up for Netflix, Spotify, and a fitness app, but then forget all about them? Yeah, that’s the sneaky little subscription trap that can silently drain your wallet. Today, we're diving into the world of forgotten subscriptions and how they can turn your budget into Swiss cheese. I’m talking about those recurring charges that you hardly notice until it's too late. It’s like they’re little gremlins in your bank account, munching away at your hard-earned dough. I share some personal stories, like my gym membership fiasco where I kept paying for a gym I never used, which ended up being a total waste of cash. But hey, we’ve all been there! The key takeaway? It’s time to get honest with ourselves and take a good look at our bank statements. We’re talking about finding those pesky subscriptions and deciding if they’re worth keeping around. So grab your bank statements, and let's get to work! Takeaways: We often forget about those sneaky subscriptions that quietly drain our bank accounts every month. By checking our recurring charges, we might find hundreds of dollars we could save or redirect. Canceling unused subscriptions can give you a financial boost without changing your lifestyle too much. It's super important to be wise with small expenses; they add up and can lead to bigger problems later. Taking a close look at bank statements can help you identify and eliminate wasteful spending patterns. Negotiating with service providers might land you a better deal, so don't hesitate to ask for discounts! Links referenced in this episode: financiallyconfidentchristian.comfinanciallyconfidentchristian.com/becoming LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) SUPPORT THE SHOW 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 Buy Ralph's Book - a...

    11 分钟
查看全部 887 集

预告片

4.8
共 5 分
19 个评分

关于

2025 Best Christian Finance Podcast in the U.S., awarded by Best of Best Review. Money isn’t just about numbers — it’s about confidence, stewardship, and faith. If you've ever felt stuck in the cycle of financial shame, you're not alone — and you don't have to stay there. Welcome to Financially Confident Christian, where we blend Biblical wisdom, practical financial strategies, and daily encouragement to help you break free, build lasting confidence, and honor God with your resources. Hosted by Ralph Estep Jr., a seasoned financial coach with a heart for ministry, each episode offers real-world steps you can take today — no complicated jargon, no judgment — just real hope and real help. Whether you're climbing out of debt, learning to budget with purpose, or dreaming of financial freedom, this is your place to start. One step. One decision. One prayer at a time. Your story isn’t defined by your past. It's shaped by your next faithful step. Let’s walk this journey together.

信息

  • 创作者
    Ralph V. Estep, Jr.
  • 活跃年份
    2017年 - 2025年
  • 单集
    887
  • 分级
    儿童适宜
  • 版权
    © Ask Ralph Media, Inc.
  • 节目网站
    Financially Confident Christian

你可能还喜欢