Financially Confident Christian

Ralph V. Estep, Jr.
  • 4,8 (19)
  • THIÊN CHÚA GIÁO
  • HẰNG NGÀY

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. Demystifying Stocks: What Are They and How Do They Work?

    2 GIỜ TRƯỚC

    Demystifying Stocks: What Are They and How Do They Work?

    Stocks don’t have to be all fancy-pants and complicated, folks! Today, we’re diving into the basics of what stocks really are and how they work, all in plain English. Trust me, if you’ve ever felt like stocks are just for Wall Street big shots, you’re not alone, and I’m here to clear up that confusion. We’ll break it down like this: buying a stock is like snagging a slice of pizza – you own a piece of the action! So, whether you’re totally lost or just curious, stick around as we sprinkle some wisdom and help you build long-term confidence in your investing game. Let's get to it! Read today's blog article Check the full podcast episode here Takeaways: Stocks are just slices of ownership in a company, kinda like pizza slices, right? Don't let stocks scare you; they're simpler than they seem, trust me on this! Thinking of stocks as a long-term game is key; patience pays off big time. Owning stocks can lead to dividends, which is like getting paid just for owning a slice! Companies sell stocks to raise money for growth, so you’re in it together, buddy! Investing in stocks can create wealth over time, just gotta hang tight through the ups and downs. 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 Journey Buy Ralph's Book - How to Become a Financially Confident Christian Want to be a guest on Financially Confident Christian? Send Ralph Estep, Jr. a message on PodMatch, here: https://www.podmatch.com/hostdetailpreview/1704313698808231d175d3ba6 Tired of feeling stuck in your business? Discover my 12-week coaching program built for small business owners just like you: a...

    7 phút
  2. What’s Your Investment Horizon: Short-Term vs. Long-Term Goals?

    1 NGÀY TRƯỚC

    What’s Your Investment Horizon: Short-Term vs. Long-Term Goals?

    Today, we're diving into the nitty-gritty of investing for both short and long-term goals. You know that feeling when you’re not sure if you should stash cash for that upcoming vacation or let it ride for retirement? Yeah, we’ve all been there, right? The key takeaway? Your timeline totally changes the game. We’ll chat about why mixing short-term needs with long-term dreams can create a financial mess and how to keep your money in the right buckets. So, grab your favorite drink, kick back, and let's get this investing party started as we tackle What’s Your Investment Horizon: Short-Term vs. Long-Term Goals? Read today's blog article Check the full podcast episode here Navigating the world of investing can feel like trying to find your way through a maze blindfolded. We kicked things off today with a hot topic: how do we know if we should be investing for short-term goals or playing the long game? Let's be real, we've all felt that anxiety of not being sure if we're making the right moves. From vacation funds to emergency savings, short-term goals are right around the corner, while long-term dreams like retirement take a bit more patience. So, what’s the deal with timelines? They’re everything. When you invest with intention, it’s like turning the lights on in that maze—suddenly you see where you're going! The crux of our convo? Your investment horizon dictates your approach. We shared some real-life tales, like my mother-in-law's situation, where mixing short and long-term funds led to some serious financial headaches. The takeaway? Keep those buckets separate, and you'll be dancing in the rain instead of dodging financial storms. Next up, we dove into the nitty-gritty of short-term investments. If you need cash in the next year or two, safety and accessibility are your best buddies. High-yield savings accounts, CDs, and money market accounts are great options to keep your cash safe while you plan for that new car or house. Then, we switched gears to long-term investing, which is all about embracing risk and riding out market fluctuations. When you’ve got decades to spare, you can afford to let your investments grow, and we all know the stock market loves a good comeback story. By keeping your short-term cash safe and letting your long-term funds ride the wave, you're setting yourself up for financial success. So, whether you’re planning for a trip to Hawaii or saving for your kids’ college, remember: clarity in your investment strategy leads to confidence in your financial future! Takeaways: Investing for short-term goals requires a different strategy than for long-term ones, trust me. Mixing short-term and long-term investments can lead to serious financial stress and losses, that's a fact. Your investment timeline is crucial; understand the difference between what you need now and later. Short-term money needs to be accessible and safe, while long-term money can ride the market's ups and downs. Avoid the mistake of treating short and long-term goals the same way—it can cost you big time. Aligning your investment horizon with your financial goals can boost your confidence significantly. Links referenced in this episode: financiallyconfidentchristian.comjustaskralph.comfinanciallyconfidentchristian.com/becoming a...

    11 phút
  3. Understanding Risk vs. Reward: How Much is Right for You?

    2 NGÀY TRƯỚC

    Understanding Risk vs. Reward: How Much is Right for You?

    Today, we're diving into the nitty-gritty of balancing risk and reward in investing. You know, it's like trying to find the sweet spot between jumping in headfirst and tiptoeing around the pool. I'm here to help you figure out how much risk is right for you, so you can invest with confidence instead of fear. We’ll chat about some real-life stories, like that young couple who learned the hard way that diving in without knowing the risks can lead to a splashy disaster. By the end, you’ll know how to approach investing wisely and find peace in your financial journey. So kick back, relax, and let’s get into it! Read today's blog article Check the full podcast episode here Navigating the wild world of investing can feel like trying to tame a lion with a toothpick. Seriously, it’s a jungle out there! In this episode, we dive deep into the age-old dilemma of risk versus reward. I mean, let’s face it, every time I hear about someone making big bucks in the stock market, I can’t help but think about the other side of the coin. You know, the folks who lost their shirts because they dove headfirst into risky waters without a life vest. We chat about how to find that sweet spot where your comfort level meets your investment goals. It's all about balance, baby! Whether you're a scaredy-cat or a thrill-seeker, there’s a way to navigate this maze without losing your marbles. Plus, we sprinkle a little Biblical wisdom in there because, hey, who doesn’t want divine guidance on their financial journey? Takeaways: Investing is all about balancing risk and reward, and knowing your comfort zone is key. A common question is how much risk is right for you when investing your money. Finding that sweet spot between risk and your financial goals is crucial for peace of mind. Financial confidence comes from understanding that your security lies in God, not just the stock market. No matter what, remember that risk is part of investing, but it can be managed wisely. The market may be wild and unpredictable, but with the right mindset, you can navigate it like a pro. 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...

    11 phút
  4. Is Investing Only for the Rich? How to Start Small?

    3 NGÀY TRƯỚC

    Is Investing Only for the Rich? How to Start Small?

    Today we're diving into the idea that investing isn't just for the big shots in fancy suits—it's for everyday folks like you and me, starting with just $25 a month! I mean, how cool is that? We’ll chat about how you can take that leap without feeling like you need a mountain of cash. It’s all about ownership, not elitism, and I’ll break down why small steps can lead to big changes over time. So, if you’ve ever thought investing was out of your league, stick around—it's time to flip the script and get you feeling confident about your money moves! Let’s get this party started as we tackle the question: Is investing only for the rich, and how can you start small? Read today's blog article Check the full podcast episode here Ever thought investing was just for the rich folks in fancy suits? Yeah, me too! But let me tell you, that's a total myth. This episode dives deep into the misconception that only the wealthy can invest. We tackle a listener's burning question about how someone with a tight budget can dip their toes into the investing pool. Spoiler alert: you can start with just $25 a month! It’s all about ownership, baby! We break down how owning a piece of your favorite brands can turn your spare change into something meaningful. We also chat about the importance of consistency over perfection. Forget about trying to time the market perfectly; it's all about sticking with it and watching those little investments grow over time. It’s like planting a seed and nurturing it—it's not just about the cash, it's about creating a legacy and some good ol’ financial freedom. So, if you’ve ever felt like investing is beyond your reach, tune in as we unpack how to make it work for you. With some faith and a few smart moves, you can break free from the cycle of financial shame and step into a world of confidence. Who knew that investing could be as chill as this? Let’s get started on this journey towards financial confidence together! Takeaways: Investing isn't just for the wealthy; you can start with as little as $25 a month. Many folks think investing is complicated, but it's really just about owning a piece of something. Consistency in investing is key; just small, regular contributions can lead to big gains over time. Investing isn't a gamble; it's all about patience and making wise choices consistently. Links referenced in this episode: financiallyconfidentchristian.comfinanciallyconfidentchristian.com/becoming Companies mentioned in this episode: Apple Target 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 a href="https://financiallyconfidentchristian.com/"...

    10 phút
  5. What Even IS Investing, and Why Does It Matter for Me?

    4 NGÀY TRƯỚC

    What Even IS Investing, and Why Does It Matter for Me?

    Investing isn’t just for the rich folks in their fancy suits—it’s for everyone, including you! That’s why we’re starting this series by asking a big question: What Even IS Investing, and Why Does It Matter for Me? A lot of people think they need bags of cash to even think about investing, but that’s just not the case. It’s all about putting your money to work for you, no matter how small the starting amount is. Join us as we break down the basics of investing, making it super simple and totally doable, because trust me, you can totally do this! Read today's blog article Check the full podcast episode here Investing is like this elusive treasure hunt that seems meant only for the big shots, right? But let me tell you, that's a total myth. We dive deep into that question that’s been buzzing in your inbox: ‘Is investing just for the rich folks?’ Spoiler alert: Absolutely not! Investing is for everyone, even if you think your pockets are a bit light. I share my own journey from thinking I needed stacks of cash to simply working with what I've got. It’s all about stewardship, not just hoarding your pennies. I mean, why bury your cash in a backyard can when you could be putting it to work? We break it down, starting with small steps, like starting an investment plan for just 50 bucks a month. You might be surprised at how that little bit can grow over time! Plus, I tackle some biblical wisdom because, hey, it’s not just about making money; it’s about being a wise steward of what you’ve got. So, get ready to flip that script on investing, because it’s way more accessible than you think! Takeaways: Investing isn't just for the wealthy; it's a myth we need to bust, fam! You can totally start investing with just $50 a month, so no more excuses! Small steps in investing matter a ton, and they can really add up over time, trust me! Don't let the Wall Street vibe scare you off; investing is way simpler than it looks! Stewardship over greed is the name of the investing game, so keep it real! Understanding the basics of stocks and bonds is crucial; we're diving into that soon! Links referenced in this episode: financiallyconfidentchristian.comjustaskralph.comfinanciallyconfidentchristian.com/becoming

    9 phút
  6. Am I Ready for My Next Level of Financial Confidence?

    5 NGÀY TRƯỚC

    Am I Ready for My Next Level of Financial Confidence?

    Today, we’re diving into that big question: Am I Ready for My Next Level of Financial Confidence? If you’re sitting there wondering if it’s time to trust God more or just chill, you’re not alone, my friend. Trust me, I’ve been there too, and here’s the scoop: financial peace isn’t a finish line—it’s more of a lifelong journey with God by your side. We’ll chat about how you can keep that momentum going and build your financial confidence even higher. So, whether you’ve crushed your debts or just started saving, let’s explore the next steps together and see how God’s got more in store for you! Read today's blog article Check the full podcast episode here Momentum with money can feel like a rollercoaster ride, right? One minute you're soaring, feeling like a financial rockstar, and the next you’re wondering what on earth to do next. That's exactly the vibe we're diving into today. A listener shot us a question that hit home: after building some financial momentum, what's the next step? Are we just cruising or should we push the pedal to the metal and trust God for more? Spoiler alert: it's not a finish line we cross; it's a lifelong journey with God. Financial peace isn’t about checking off boxes like debt repayment or saving for retirement. It’s more like a continuous dance where you get to lead with faith. So, grab a seat and let’s chat about how to keep that momentum going and boost your financial confidence! We're talking real stories, like that family who went from drowning in debt to celebrating their ‘liberation day’. They didn’t stop there; it was just the beginning of dreaming bigger with God. Each step you take is part of a larger journey, and trust me, God’s got more in store for you than you can imagine. Takeaways: Financial peace isn't a finish line; it's a lifelong journey with God guiding us. Every step you've taken financially, even the messy ones, prepares you for what's next. Just because you've cleared debt doesn't mean you can coast; there's always a next level. Trusting God more in our finances opens us up to new opportunities and dreams. Your financial journey has seasons, and God meets you in every single one of them. Celebrate your progress but keep pushing forward; there's always more to achieve with faith. Links referenced in this episode: financiallyconfidentchristian.comjustaskralph.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 a href="https://financiallyconfidentchristian.com/" rel="noopener noreferrer"...

    9 phút
  7. How Can I Practice Grace When My Financial Habits Aren’t Perfect?

    6 NGÀY TRƯỚC

    How Can I Practice Grace When My Financial Habits Aren’t Perfect?

    Ever felt like you’re totally nailing your budget, then BAM, you overspend and that inner critic starts yelling? Yeah, I’ve been there too. Today, we’re diving into why that happens and how to shake off the shame that comes with it. Spoiler alert: perfection isn't the goal; it's all about grace and progress. We’ll chat about how to get back up after a slip-up and keep moving forward, because hey, every stumble is just part of the journey. So, grab your favorite drink, kick back, and let’s break that cycle of financial shame together in this episode: How Can I Practice Grace When My Financial Habits Aren’t Perfect? Read today's blog article Check the full podcast episode here Ever feel like you're crushing it with your finances one minute, then boom, you're knee-deep in overspending the next? Yeah, I've been there too. One listener hit me up with a question that totally resonated: she starts off strong, budget in hand, tracking every dollar like a hawk, but then, like a bad episode of a reality show, she slips up. And just like that, the inner critic pops up, yelling, 'You failed!' and 'Why even bother?' Let’s face it, almost 80% of folks throw in the towel after just one mistake. It’s wild! But here’s the kicker: it’s not about perfection, my friend. It’s about grace and progress. When we accept that we’re on a journey, not a test, we can shake off that shame and keep moving forward. So, if you’re feeling stuck, remember: mistakes are just part of the ride, and they don't define your financial story. Let’s embrace that grace and keep hustling! Takeaways: Many folks quit their financial plans after just one slip-up, like it's a game over. Perfection isn't the goal in managing money; it's all about that sweet, sweet progress. Don't let financial shame hold you back; grace is there to lift you up when you fall. Your financial journey is not a test; it's a wild ride, so buckle up and enjoy! It's super common to feel overwhelmed and want to quit when things get tough, but don't. Remember, grace isn't an excuse to quit, it's the fuel that keeps you going forward. Links referenced in this episode: FinanciallyConfidentChristian.comjustaskralph.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"...

    10 phút
  8. What’s My Secret Weapon Against Losing Financial Motivation?

    28 THG 9

    What’s My Secret Weapon Against Losing Financial Motivation?

    Today, we're diving deep into a hot topic: how to keep your financial motivation alive when the journey feels like a never-ending slog. Our listener hit us up with a real gem of a question, What’s My Secret Weapon Against Losing Financial Motivation? Spoiler alert: motivation isn’t some magical fairy dust that just appears; it’s something we’ve gotta fuel intentionally. We're breaking down ways to stay inspired, celebrate those little wins, and lean on our faith and community to keep pushing forward, even when it feels like progress is crawling at a snail's pace. So grab your favorite drink, kick back, and let’s boost that motivation together! Read today's blog article Check the full podcast episode here We dive deep into the wild world of financial motivation today, tackling a listener's burning question: how to keep the fire alive when the road gets long and winding. Picture this: you're chugging along, making those killer financial choices, but then bam! The excitement fizzles out, and your savings seem to grow slower than molasses on a cold day. I mean, who hasn’t been there? It’s easy to lose that motivation when the journey feels like a never-ending uphill climb. We explore the hard truth that a staggering 80% of folks drop their financial goals faster than a hot potato after just one year. But don’t sweat it, because I’m here to let you in on a little secret: motivation isn’t just some magical pixie dust that lands on you one day; it’s something you build and nurture. We discuss how community, intentional habits, and most importantly, divine strength can help keep your momentum going strong. So grab a cup of coffee, kick back, and let’s chat about how to reconnect with your ‘why’ and celebrate those little victories. It’s time to transform that sluggish progress into a thrilling race towards financial freedom! Takeaways: Staying motivated on your financial journey is a marathon, not a sprint, so pace yourself. It's super common to feel like you're losing steam, but you're not alone in this struggle. Reconnect with your 'why' and celebrate every little win to keep that motivation alive. True motivation is cultivated through community support, intentional practices, and leaning on God. Remember, motivation can fade, but discipline is what keeps you progressing towards your goals. Visualizing your goals and planning micro celebrations can seriously boost your financial motivation. 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 a...

    12 phút
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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.

Thông Tin

  • Nhà sáng tạo
    Ralph V. Estep, Jr.
  • Năm hoạt động
    2017 - 2025
  • Tập
    901
  • Xếp hạng
    Sạch
  • Bản quyền
    © Ask Ralph Media, Inc.
  • Trang web chương trình
    Financially Confident Christian

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