Ask Ralph - Christian Finance

Ralph V. Estep, Jr.
  • 4,8 (17)
  • CRISTIANISMO
  • DIÁRIO
Ask Ralph - Christian Finance

Are you a Christian longing to honor God in every aspect of your life, including your finances? The Ask Ralph Podcast is your guide to finding financial freedom, making wise money decisions, and aligning your resources with your faith. Your host, Ralph Estep, Jr., brings a unique combination of expertise and genuine experience to the table. He's an accountant, a business coach, a podcast host, an author, a farmer – but above all, a husband, father, and a man seeking to follow Jesus wholeheartedly. Ralph has been through the highs and lows of managing money - he's made mistakes, learned powerful lessons, and wants to share that journey with you. Expect a refreshing blend of practical advice and Biblical principles. We'll cover everything from creating a rock-solid budget and ditching debt to building ethical businesses and exploring the transformative power of generous giving. Whether you're a business owner yearning to integrate your faith into your work, or simply a person desiring wise stewardship of what you've been given, this podcast is for you. Get ready to ditch financial stress, gain clarity and confidence, and use your resources to fulfill God's calling in your life.

  1. HÁ 18 H

    How do I handle auto insurance if my kids are away at school?

    Can a Christian parent cut corners on car insurance to make ends meet? This heart-wrenching dilemma faced by many families is explored as Ralph Estep Jr. dives into the complexities of financial decision-making from a faith-based perspective. The episode tackles questions about the morality of debt, the biblical view on life insurance, and practical advice for managing finances during challenging times. With real-world solutions and biblical wisdom, Ralph emphasizes the importance of maintaining proper insurance coverage while seeking ways to reduce costs. Join Ralph as he provides insights that blend spiritual principles with practical financial strategies, helping families handle auto insurance responsibly while navigating their financial challenges with both wisdom and faith. https://www.askralphpodcast.com/handle-auto-insurance/ Podcast Timestamps: 00:00 Episode Overview 02:01 Bible Verse: 1 Timothy 5:8 – Providing for Your Household 02:23 Listener’s Question: Navigating Financial Dilemmas as a Christian Parent 07:18 Exploring Biblical Perspectives on Debt and Financial Responsibility 11:13 Biblical Perspective on Life Insurance 18:47 Transitioning to Independence: The Age of Responsibility 23:04 Tax Return Concerns 25:21 Opening a New Credit Card for Lower Interest Rates 28:14 Call to Action 38:02 Closing Takeaways: Proper insurance coverage is crucial for families, even while trying to cut costs. The Bible does not prohibit debt but warns against the dangers of borrowing. Maintaining insurance while seeking discounts is a wise financial strategy for parents. Life insurance can provide family stability and aligns with biblical principles of stewardship. Debt should be approached with caution, considering both necessity and financial responsibility. Seeking help from a financial advisor can provide personalized strategies for financial freedom. Links referenced in this episode: irs.govAsk Ralph Insiders Community https://mailchi.mp/askralph.com/groupAsk Ralph Show Live https://askralphpodcast.com/liveWhat is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/ Join our email list and get a free copy of “Mastering Your Finances” at https://askralph.com/ LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS...

    40min
  2. Why should I designate a trust as a retirement account beneficiary?

    HÁ 1 DIA

    Why should I designate a trust as a retirement account beneficiary?

    Are you worried about what will happen to your retirement accounts if the unexpected occurs? Today, Ralph dives into the critical topic of naming a trust as a beneficiary for retirement accounts, a decision that can save your family from unnecessary taxes and complications. He shares his own journey, highlighting how a revocable living trust not only provides peace of mind but also ensures that assets are distributed in alignment with your values and intentions. With over 30 years of financial experience, Ralph outlines six key benefits of establishing a trust, including strategic distribution, tax efficiency, and privacy protection. Tune in to learn how thoughtful estate planning can empower you to support future generations while navigating life's uncertainties with confidence—and discover the answer to the question, Why should I designate a trust as a retirement account beneficiary? https://www.askralphpodcast.com/retirement-account-beneficiary/ Podcast Timestamps: 00:00 Episode Overview 00:59 Listener Question: Inheriting an IRA 02:16 Bible Verse: Proverbs 13:22 02:51 Personal Story: Facing Health Challenges 05:50 Benefits of a Revocable Living Trust 14:02 Key Considerations on Creating a Trust 15:27 Call to Action 17:07 Practical Steps for Setting Up a Trust 18:10 Final Thoughts Takeaways: Setting up a trust as a beneficiary can provide strategic control over distributions for loved ones. Trusts offer tax efficiency that can minimize tax implications when passing on assets. Creating a trust helps avoid the probate process, keeping financial matters private for families. Establishing a trust allows for regular reviews and updates based on changing family dynamics. Integrating charitable giving into your trust can align financial planning with personal values. A comprehensive inventory of assets is crucial when setting up a trust for effective management. Links referenced in this episode: https://www.askralphpodcast.com/estate-planning-chat-with-attorney-kevin-baird/Ask Ralph Insiders Community https://mailchi.mp/askralph.com/groupAsk Ralph Show Live https://askralphpodcast.com/liveWhat is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/ Join our email list and get a free copy of “Mastering Your Finances” at https://askralph.com/ LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" a...

    20min
  3. What are some new tax issues facing us in 2025?

    HÁ 2 DIAS

    What are some new tax issues facing us in 2025?

    Has the thought of 2025 tax changes kept you up at night? Ralph Estep Jr. addresses the looming expiration of the Tax Cuts and Jobs Act and its potential impact on your financial future. He shares the story of David, a small business owner grappling with uncertainty, highlighting the importance of preparation and resilience in the face of changing tax laws. With insights on estate planning, investment strategies, and the necessity of comprehensive deduction planning, Ralph equips listeners with actionable steps to navigate these changes while staying true to their Christian values. Tune in for practical advice, biblical wisdom, and a reminder that even amidst financial challenges and new tax issues, there is always hope and a path forward. https://www.askralphpodcast.com/new-tax-issues/ Podcast Timestamps: 00:00 Episode Overview 01:47 Listener Question: Concerns About 2025 Tax Changes 02:56 Biblical Perspective: Resilience and Faith 04:04 Three Crucial Lessons For Our Tax Planning 06:26 Understanding the 2025 Tax Changes 07:06 Real Life Story of a Client 08:06 Major Tax Changes in 2025: How They Will Impact You and Everyone Else 15:52 Practical Steps for Tax Planning 19:40 Call to Action 21:35 The Expected Impact of Tax Cuts and Jobs Act 23:04 Action Steps You Can Take 24:53 Closing Takeaways: The 2025 tax changes could significantly impact your financial planning, especially for small business owners. Preparation is key; understanding potential tax changes can help you maintain financial stability. Charitable giving strategies should be reviewed and timed carefully in light of upcoming tax adjustments. Maintaining detailed records and documentation can help you navigate potential tax law changes effectively. Trusting in God's plan during uncertain financial times is crucial for resilience and wise stewardship. Working with qualified tax professionals can provide guidance through the complexities of upcoming tax legislation. Links referenced in this episode: Ask Ralph Insiders Community https://mailchi.mp/askralph.com/groupAsk Ralph Show Live https://askralphpodcast.com/liveWhat is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/ Join our email list and get a free copy of “Mastering Your Finances” at https://askralph.com/ LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS...

    27min
  4. Why do people obsess over a 800 credit score when this score is just as good?

    HÁ 3 DIAS

    Why do people obsess over a 800 credit score when this score is just as good?

    Chasing that elusive 800 credit score could be the very thing blocking your financial blessings. Ralph shares the heartfelt story of Jennifer, who has put her life on hold due to her obsession with her 765 credit score, highlighting how this fixation can lead to unnecessary anxiety and missed opportunities. Drawing from his extensive experience as a credit executive, Ralph reveals that successful financial stewardship is about much more than just a number. He introduces the "three Cs" of credit—character, capacity, and collateral—emphasizing their importance over mere credit scores. Tune in as Ralph provides actionable steps to help listeners find true financial peace while aligning their financial decisions with their faith—and why an 800 credit score isn’t the only measure of financial success. https://www.askralphpodcast.com/800-credit-score/ Podcast Timestamps: 00:00 Episode Overview 01:48 Jennifer's Heartfelt Message 03:56 Biblical Perspective on Financial Anxiety 07:55 Understanding the Three C's of Credit 15:48 Call to Action 17:22 Action Steps for Financial Peace 22:26 Final Thoughts Takeaways: Obsessing over achieving an 800 credit score may be hindering your financial opportunities. Your credit score is just one aspect of your overall financial health and decisions. Focus on financial integrity and character rather than fixating on a perfect credit score. Establish a balance between monitoring your credit and celebrating your financial achievements. Building an emergency fund is crucial for long-term financial stability and peace of mind. Prayer and reflection should guide your financial decisions instead of mere numbers. Links referenced in this episode: Ask Ralph Insiders Community https://mailchi.mp/askralph.com/groupAsk Ralph Show Live https://askralphpodcast.com/liveWhat is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/ Join our email list and get a free copy of “Mastering Your Finances” at https://askralph.com/ LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP 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...

    24min
  5. What are 7 warning signs that my computer has been hacked?

    HÁ 4 DIAS

    What are 7 warning signs that my computer has been hacked?

    Catherine, a small business owner, faced a devastating cyberattack that locked her out of her entire life's work, demanding a ransom in Bitcoin. This harrowing experience serves as a crucial reminder of the increasing threats posed by cybercriminals, particularly to small businesses and faith-based organizations. Ralph Estep Jr. shares valuable insights on the seven warning signs that indicate your computer may have been hacked, helping listeners recognize potential threats before they escalate. He emphasizes the importance of vigilance and proactive measures to protect both personal and business digital assets. Join Ralph as he combines practical advice with spiritual discernment, ensuring you’re prepared to take action before your computer has been hacked and your information compromised in today’s digital landscape. https://www.askralphpodcast.com/computer-has-been-hacked/ Podcast Timestamps: 00:00 Episode Overview 01:08 Listener's Heartbreaking Story 02:49 Bible Verse: Proverbs 4:23 03:30 The Devastating Impact of Cyber Attacks 06:01 Catherine's Ransomware Ordeal 07:59 Seven Warning Signs of a Hacked Computer 08:04 #1 Unexplained Slow Performance 08:41 #2 Strange Pop-ups 09:06 #3 Programs Starting Automatically 09:44 #4 Unauthorized Password Changes 10:17 #5 Missing Files or Changes to Files 11:00 #6 Unusual Network Traffic 11:34 #7 Disabled Security Programs 12:28 Call to Action 14:19 Prevention Tips and Digital Stewardship 24:18 Final Thoughts Takeaways: Cyber attacks can devastate small businesses, with 60% closing within six months of an attack. Being vigilant about signs of hacking, like slow performance and strange pop-ups, is critical. Ransomware can lock your files and demand payment, stressing the importance of backups. Regular software updates are essential to protect against vulnerabilities and cyber threats. Creating strong passwords and changing them frequently is a key part of digital security. Employee training in cybersecurity can prevent breaches and empower staff to spot threats. Links referenced in this episode: Ask Ralph Insiders Community https://mailchi.mp/askralph.com/groupAsk Ralph Show Live https://askralphpodcast.com/liveWhat is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/ Join our email list and get a free copy of “Mastering Your Finances” at https://askralph.com/ Companies mentioned in this episode: Bitdefender Malwarebytes LastPass 1Password Carbonite NordVPN Business ExpressVPN LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) a href="https://askralph-shop.fourthwall.com/?source=dashboard" rel="noopener noreferrer"...

    26min
  6. Why should I choose a credit union over a traditional bank?

    HÁ 5 DIAS

    Why should I choose a credit union over a traditional bank?

    Choosing a credit union over a traditional bank can significantly impact your financial journey, especially when it aligns with your Christian values. Ralph Estep Jr. shares his extensive experience as a credit union executive, highlighting the key differences between institutions that prioritize profits and those that genuinely care for their members. Through compelling stories, he illustrates how credit unions prioritize people over profits, providing personalized service and community support. Listeners are encouraged to seek financial relationships that reflect their values, making informed choices that foster both personal and communal growth. Tune in to learn how to navigate the world of banking with a focus on faith-driven financial decision-making—and discover why it’s time to choose a credit union. https://www.askralphpodcast.com/choose-a-credit-union/ Podcast Timestamps: 00:00 Episode Overview 00:52 Listener’s Question 02:41 Bible Verse: Proverbs 11:14 03:16 Credit Union Stories 09:15 The Credit Union Difference 15:48 Credit Union Statistics and Growth 17:28 What Makes Credit Unions Fundamentally Different 19:34 Call to Action 22:09 Action Steps: Making the Switch to a Credit Union 24:11 Final Thoughts Takeaways: Credit unions prioritize people over profits, offering personalized service and community support. Choosing a financial institution that aligns with your values can lead to greater satisfaction. Successful loans at credit unions often consider character and community impact over credit scores. Credit unions have been instrumental in helping local businesses and individuals achieve their dreams. A strong emphasis on financial education helps members make informed choices about their money. The member-owned structure of credit unions allows profits to benefit the community directly. Links referenced in this episode: Ask Ralph Insiders Community https://mailchi.mp/askralph.com/groupAsk Ralph Show Live https://askralphpodcast.com/liveWhat is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/ Join our email list and get a free copy of “Mastering Your Finances” at https://askralph.com/ Companies mentioned in this episode: Chrysler LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP Please share our Podcast with all your...

    26min
  7. How can we express our love for Christ in our daily lives?

    HÁ 6 DIAS

    How can we express our love for Christ in our daily lives?

    Are you caught in the conflict between your financial ambitions and your spiritual values? Many Christians, like Mindy from New York, grapple with the tension of pursuing wealth while desiring to honor God in their lives. Ralph shares his powerful journey of reconciling faith and finances, emphasizing that success does not have to come at the cost of spiritual integrity. By integrating prayer and biblical principles into business decisions, you can transform your approach to money management. Join Ralph as he offers practical strategies and heartfelt insights to help you align your financial goals with your faith, ensuring that your success serves as a testimony of God's faithfulness and provides opportunities to express our love for Christ. https://www.askralphpodcast.com/express-our-love-for-Christ/ Podcast Timestamps: 00:00 Episode Overview 01:25 Listener's Question: Balancing Business and Faith 03:30 Join the Live Community 05:48 Bible Verse: Matthew 22:37-39 06:21 Personal Story: A Transformative Encounter 09:52 Faith-Based Business Strategies #1 Make Prayer Your Business Strategy 10:57 #2 Build Your Business on Biblical Principles 12:30 #3 Use Your Success as a Ministry 14:05 #4 Trust God's Timing 15:10 #5 Create a Legacy of Faith 16:20 Call to Action 17:57 Action Steps for Faith and Finances 20:00 Closing Takeaways: Balancing faith and financial decisions is a common struggle for many Christians. Success in business can serve as a testimony of God's faithfulness and love. Prayer should be integrated into daily business practices to seek divine guidance. Building a business on biblical principles ensures integrity and purpose in operations. Trusting in God's timing can bring peace during financial challenges and setbacks. Creating a legacy of faith through business decisions leads to lasting impact and service. Links referenced in this episode: Ask Ralph Insiders Community https://mailchi.mp/askralph.com/groupAsk Ralph Show Live https://askralphpodcast.com/liveWhat is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/ Join our email list and get a free copy of “Mastering Your Finances” at https://askralph.com/ LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP Please share our Podcast with all your friends and family! Submit your questions or...

    22min
  8. How can I find financial harmony with my partner?

    14 DE DEZ.

    How can I find financial harmony with my partner?

    Are money fights destroying your marriage? Ralph Estep Jr. tackles this pressing issue by sharing a powerful story of transformation for a couple struggling with financial conflicts. He delves into crucial year-end tax moves that could save you thousands, as well as practical advice for turning a side hustle into a thriving business. With insights on charitable giving strategies and smart deductions, Ralph provides a seven-step blueprint to end financial disputes in marriages once and for all. Join the conversation to discover how aligning financial goals with shared values can lead to harmony, financial success, and help you find financial harmony. https://www.askralphpodcast.com/find-financial-harmony/  Podcast Timestamps: 00:00 Episode Overview 01:55 Bible Verse 02:15 Financial Conflicts in Marriage 05:52 Mark and Lisa's Transformation 06:41 Seven Strategies for Financial Harmony 10:39 Income Tax Planning 16:09 Small Business Tax Tips 18:05 Retirement Contributions: SEP IRA and Solo 401k 20:24 Forming an LLC or S-Corp: Tax Implications 24:52 Financial Planning and Accountability 28:33 Live Q&A and Contest 34:46 Final Thoughts Takeaways: Money conflicts can be detrimental to relationships; try money date nights to improve communication. Shared financial goals with distinct responsibilities can help couples align their financial strategies. Establishing a three account system may ease financial tensions between partners. Pray together and study scripture to guide financial decisions in your marriage. Taking time to reflect on purchases can reduce impulse spending and financial conflict. Consider forming a business entity early to minimize self-employment tax liabilities. Links referenced in this episode: Ask Ralph Insiders Community https://mailchi.mp/askralph.com/groupAsk Ralph Show Live https://askralphpodcast.com/liveWhat is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/  Join our email list and get a free copy of “Mastering Your Finances” at https://askralph.com/ Companies mentioned in this episode: Amazon Nerd Wallet Bankrate Goodwill Salvation Army AMVETS LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP Please share our Podcast with all your friends and...

    37min
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Sobre

Are you a Christian longing to honor God in every aspect of your life, including your finances? The Ask Ralph Podcast is your guide to finding financial freedom, making wise money decisions, and aligning your resources with your faith. Your host, Ralph Estep, Jr., brings a unique combination of expertise and genuine experience to the table. He's an accountant, a business coach, a podcast host, an author, a farmer – but above all, a husband, father, and a man seeking to follow Jesus wholeheartedly. Ralph has been through the highs and lows of managing money - he's made mistakes, learned powerful lessons, and wants to share that journey with you. Expect a refreshing blend of practical advice and Biblical principles. We'll cover everything from creating a rock-solid budget and ditching debt to building ethical businesses and exploring the transformative power of generous giving. Whether you're a business owner yearning to integrate your faith into your work, or simply a person desiring wise stewardship of what you've been given, this podcast is for you. Get ready to ditch financial stress, gain clarity and confidence, and use your resources to fulfill God's calling in your life.

Informações

  • Criado por
    Ralph V. Estep, Jr.
  • Anos de atividade
    2017 - 2024
  • Episódios
    597
  • Classificação
    Livre
  • Copyright
    © Ask Ralph Media, Inc.
  • Site do podcast
    Ask Ralph - Christian Finance

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