Ask Ralph - Christian Finance

Ralph V. Estep, Jr.
  • 4.8(17개의 평가)
  • 기독교
  • 매일 업데이트
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. Cash in or roll over? What’s the smart move for your maturing CD?

    51분 전

    Cash in or roll over? What’s the smart move for your maturing CD?

    Feeling stuck with your maturing CD? You're not alone! Ralph Estep Jr. dives into the dilemma many face when deciding whether to cash out, roll over, or explore other investment options. He shares valuable insights on how to break free from the paralysis caused by fear of making the wrong financial decision. By evaluating your risk tolerance and understanding your financial goals, you can take control of your money and make informed choices that honor God. Ralph also discusses various alternatives, including CD laddering, high-yield savings accounts, and even stocks, providing a roadmap to navigate your financial future with confidence and make the best decision for your maturing CD. Read today's blog article Check out the full podcast episode here Podcast Timestamps: 00:00 Episode Overview 02:41 Listener’s Question: What Should I Do When My CD Matures? 04:48 Bible Verse - Proverbs 27:23-24 05:54 Today’s Gratitude Statement 07:52 What is a CD? 08:37 Understanding Your Options with CDs 08:43 #1 Cash It In 08:56 #2 Roll It Over 09:19 #3 Let It Auto-Renew 29:55 Action Steps To Make The Smart Choice 29:59 #1 Evaluate Your Goals 30:24 #2 Research Current Rates 30:40 #3 Consider Alternatives 31:36 #4 Pray and Seek Wise Counsel 31:58 Reflection Questions 33:12:00 Closing Takeaways: Making financial decisions can be overwhelming, especially when faced with uncertainty and fear. Evaluate your financial goals, since cashing in or rolling over may depend on them. Consider CD laddering as a strategy to balance returns and liquidity effectively. Investing in high yield savings accounts can provide better returns than traditional savings. Understanding your risk tolerance is crucial before deciding on investment options. Seek guidance from trusted financial advisors who align with your values and goals. Links referenced in this episode: Check out our blog: askralphpodcast.com/blogSupport the Show https://askralphpodcast.com/support Ask 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...

    35분
  2. Desperate for tax relief? Why are some solutions worse than the problem?

    1일 전

    Desperate for tax relief? Why are some solutions worse than the problem?

    Are you feeling overwhelmed by tax debt and unsure who to trust for help? This episode dives deep into the risks of falling for too-good-to-be-true tax relief schemes that can actually worsen your situation. Host Ralph Estep Jr. shares real-life stories of individuals who sought quick fixes but ended up with more stress and debt. Instead of relying on questionable promises, listeners are encouraged to take thoughtful and honest steps to address their tax challenges. With practical advice on how to work directly with the IRS and the importance of seeking professional help, this episode aims to empower you to regain control of your financial future and find true relief—especially if you're desperate for tax relief. Read today's blog article Check out the full podcast episode here Podcast Timestamps: 00:00 Episode Overview 02:02 Listener’s Question: Are Tax Relief Companies Legit? 04:17 Bible Verse: Proverbs 3:5-6 – Trust in the Lord with All Your Heart 06:07 Today’s Gratitude Statement 06:25 Real-Life Story: Tessa’s Tax Relief Nightmare 07:58 Risks of Desperate Tax Relief Solutions 08:03 #1 Exorbitant Fees 13:25 #2 Empty Promises 15:30 #3 Lack of Transparency 16:20 #4 Increased Debt 17:42 Better Solutions for Managing Tax Debt 17:46 #1 Contact the IRS Directly 18:52 #2 Set Up an Installment Agreement 19:48 #3 Seek Professional Help 20:51 #4 Build a Budget 22:09 #5 Stay Honest 25:01 Visit https://www.askralphpodcast.com/blog/ for Free Financial Resources  25:24 Reflection Questions 27:30 Recap and Closing Takeaways: Tax debt can feel overwhelming, but avoid falling for too-good-to-be-true solutions. Seek legitimate help when dealing with tax debt, such as professional accountants or tax attorneys. Many tax relief companies charge exorbitant upfront fees and often do not deliver on promises. It's crucial to trust in God's provision and approach financial issues with wisdom and integrity. Create a personalized plan for managing your tax debt while avoiding schemes that only worsen your situation. Remember that while there is no quick fix for tax debt, there are practical steps you can take. 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...

    29분
  3. Wait, what are estimated taxes and do I actually have to pay them?

    2일 전

    Wait, what are estimated taxes and do I actually have to pay them?

    Feeling overwhelmed by taxes is a common experience, especially when it comes to estimated taxes. Ralph Estep Jr. addresses this critical topic by breaking down what estimated taxes are, who needs to pay them, and how to avoid those dreaded penalties. He shares a relatable story about a freelance graphic designer named Mike, who learned to manage his taxes effectively through a simple system that provided him peace of mind. By emphasizing the importance of proactive planning and cash flow management, Ralph offers practical steps that anyone can implement to take control of their tax obligations. This episode is not just about numbers; it's about empowering listeners to overcome confusion, gain confidence in their financial responsibilities, and answer the question, "What are estimated taxes?" Read today's blog article Check out the full podcast episode here Podcast Timestamps: 00:00 Episode Overview 02:14 Listener Question: Beth's Tax Struggles 03:33 Biblical Perspective on Taxes 04:47 Today’s Gratitude Statement 06:44 Mike's Story: A Lesson in Tax Management 11:54 Steps to Manage Estimated Taxes 15:05 Call to Action 16:46 Reflection Questions 19:12 Final Thoughts Takeaways: Estimated taxes are crucial for managing cash flow and avoiding IRS penalties. Setting aside a percentage of income for taxes can prevent financial stress at year-end. Using a separate savings account labeled 'taxes' helps track money for tax payments. Mark your calendar with estimated tax payment dates to maintain compliance and reduce anxiety. Understanding your tax obligations can empower you and transform your financial management. Tax planning is essential for financial peace and requires proactive strategies throughout the year. 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/Tax Preparation Services askralphpodcast.com/taxprep 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...

    21분
  4. How much money could you save by managing your credit like a Pro?

    3일 전

    How much money could you save by managing your credit like a Pro?

    Feeling frustrated by high interest rates or the embarrassment of being denied credit? You're not alone, and today we’re diving into the world of credit monitoring services, exploring how managing your credit like a pro can save you thousands of dollars and restore your peace of mind. Ralph Estep Jr. addresses a heartfelt question from Juliana, who recently faced unauthorized charges on her credit card, leading to a drop in her credit score. He shares vital tools and strategies to help protect yourself from fraud and improve your credit score. Tune in to learn the benefits of good credit, the impact of bad credit, and why investing in credit monitoring can be a game-changer for your financial health by helping you take control of managing your credit. Read today's blog article Check out the full podcast episode here Podcast Timestamps: 00:00 Episode Overview 01:43 Listener's Heartfelt Question 04:22 Biblical Perspective on Money 05:04 Today’s Gratitude Statement 05:24 Benefits of Good Credit 11:06 Consequences of Bad Credit 16:15 Understanding Credit Monitoring 20:54  Visit https://www.askralphpodcast.com/blog/ for Free Financial Resources 21:20 Immediate Actions for Fraud Protection 26:08 Call to Action 27:42 Reflection Questions 29:48 Closing Thoughts Takeaways: Managing your credit wisely can lead to significant savings on loans and interest rates. Credit monitoring services help identify unauthorized charges and protect against identity theft. Good credit not only lowers interest rates but also enhances credit card rewards and benefits. Taking immediate action after discovering fraud can prevent further financial damage. Regularly reviewing credit reports is essential for detecting errors and improving your credit status. Establishing a financial backup plan can alleviate stress during unexpected credit issues. Links referenced in this episode: https://www.askralphpodcast.com/freeze-my-credit-file/ https://www.askralphpodcast.com/repair-my-bad-credit/ 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: American Express Norton LISTEN NOW WATCH NOW...

    31분
  5. Locked out of E-filing? The secret PIN that changes everything

    4일 전

    Locked out of E-filing? The secret PIN that changes everything

    Are you feeling overwhelmed by the prospect of tax identity theft and the vulnerability that comes with filing your taxes? Ralph Estep tackles this pressing concern head-on, sharing powerful strategies to secure your financial identity while maintaining your spiritual integrity. With a focus on the IRS's Identity Theft Protection Personal Identification Number (IP PIN), he explains how this simple yet effective tool can drastically reduce the risk of fraudulent tax returns and give you peace of mind. Ralph emphasizes the importance of being a wise steward of the resources entrusted to you by God, and he provides actionable steps to protect your finances. By taking these precautions, you can avoid being locked out of E-filing and ensure that your tax season is both secure and stress-free. Join Ralph as he combines real-world experience with biblical truth, ensuring you feel empowered and informed as you navigate the complexities of tax season. Read today's blog article Check out the full podcast episode here Podcast Timestamps: 00:00 Episode Overview 04:06 Listener's Question: Real-Life Tax Identity Theft Fears 07:16 Scriptural Guidance on Taxes 08:05 Today’s Gratitude Statement 08:25 Understanding IRS Identity Theft Statistics 11:05 The IP PIN Program: A Solution to Tax Identity Theft 18:30 Practical Steps to Protect Your Financial Identity 23:10 Visit https://www.askralphpodcast.com/blog/ for Free Resources 23:59 Call to Action 27:10 Reflection Questions 28:45 Final Thoughts Takeaways: Feeling overwhelmed by tax season is common, but there are effective ways to protect your identity. The IRS IP PIN program offers a high level of security against tax identity theft. Setting aside dedicated time each week for tax organization can significantly reduce stress during filing. Building a network of support, including trusted tax professionals, is crucial for financial peace. Creating an IRS online account is an essential step for managing your tax information efficiently. Implementing a routine to track expenses can prevent last-minute chaos when filing taxes. Links referenced in this episode: Get an Identity Protection PIN (IP PIN) https://www.irs.gov/ippinAsk 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/Tax Preparation Services askralphpodcast.com/taxprep LISTEN NOW a...

    30분
  6. Why Don't I Feel Close to God Anymore?

    5일 전

    Why Don't I Feel Close to God Anymore?

    Feeling spiritually empty despite business success is a struggle many Christian entrepreneurs face, and this episode dives deep into that very challenge. Ralph Estep Jr. shares his personal journey of reconnection with God and the transformative impact it had on both his faith and financial decisions. He emphasizes that true success is not just about spreadsheets and profit margins, but about integrating spiritual practices into every aspect of business. Through a heartfelt message from a listener, Michael, Ralph explores the importance of maintaining a deep connection with God while navigating the demands of entrepreneurship. By implementing a strategy of prayer before profits and aligning business practices with biblical principles, listeners are encouraged to use their entrepreneurial journeys as a way to grow spiritually and feel close to God in every step they take. Read today's blog article Check out the full podcast episode here Podcast Timestamps: 00:00 Episode Overview 02:32 Listener's Struggle: Michael's Story 09:26 Bible Verse 11:53 Today’s Gratitude Statement 13:47 Ralph’s Personal Story of Spiritual Transformation 17:52 The 3P Strategy: Prayer, Principles, Profits 20:18 Practical Steps for Integrating the 3P Strategy 25:35 Visit https://www.askralphpodcast.com/blog/ for Free Resources 32:09 Reflection Questions 34:01 Final Thoughts Takeaways: Maintaining a deep connection with God is essential for navigating business decisions. Spiritual emptiness can manifest in compulsive spending, which often masks deeper issues. Integrating prayer into daily routines can transform both spiritual and financial aspects of life. Recognizing the disconnect between faith and business is the first step toward transformation. Businesses should be viewed as platforms for living out faith rather than just profit centers. Aligning business practices with biblical principles leads to both integrity and financial success. Links referenced in this episode: askralphpodcast.com/blogaskralphpodcast.com/gospelAsk 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...

    37분
  7. Is ID.me the Future of Digital Identity, or a Privacy Nightmare?

    6일 전

    Is ID.me the Future of Digital Identity, or a Privacy Nightmare?

    Join Ralph Estep, Jr. as he tackles pressing financial concerns, including how to safeguard your personal information online and navigate the murky waters of IRS scams. This episode highlights the importance of vigilance in protecting yourself and your loved ones from fraud, especially as scammers become increasingly sophisticated in their tactics. Ralph emphasizes the significance of wisdom and understanding when making financial decisions, urging listeners to be proactive in managing their financial health. From protecting your identity to handling insurance claims after disasters, this episode is packed with actionable advice that can save you time, money, and stress. Tune in for insightful reflections and practical strategies to help you stay informed and secure in today’s financial landscape—while exploring whether ID.me is the future of digital identity or a privacy nightmare. Read today's blog article Check out the full podcast episode here Podcast Timestamps: 00:00 Episode Overview 01:26 Bible Verse 01:55 Today’s Gratitude Statement 02:40 Listener Question: IRS ID PIN Concerns 03:45 ID.me and IRS Partnership 05:24 Alternatives to Using ID.me 07:15 Reflection Questions 09:07 Listener Question: Navigating Insurance Claims After a Disaster 11:16 How To Manage Insurance Claims After A Catastrophe 17:15 Reflection Questions 21:17 Listener Question: Identifying IRS Scams 23:50 Key Red Flags to Recognize IRS Scams 31:51 What to Do if You Suspect a Scam 33:20 Reflection Questions 36:24 BOI Scams 41:09 Call to Action - Share the Ask Ralph Show 41:55 Final Thoughts Takeaways: In today's financial landscape, safeguarding your personal information while seeking help is crucial. Understanding IRS scams can protect vulnerable individuals from falling victim to fraudulent schemes. Documenting everything during an insurance claim is vital to ensure you receive fair compensation. Having a trusted team of professionals can help you navigate financial emergencies effectively. You must verify any communication from the IRS to avoid falling for scams. Establishing and maintaining emergency funds is essential for dealing with unexpected financial disasters. 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: IRS ID.me Social Security Administration VA LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) a...

    45분
  8. Why Are New Car Owners Most at Risk for This Insurance Nightmare?

    1월 24일

    Why Are New Car Owners Most at Risk for This Insurance Nightmare?

    Navigating the aftermath of a car accident can be daunting, especially when you find yourself facing a financial gap due to depreciation. Ralph Estep Jr. tackles this critical issue by discussing the importance of gap insurance, which protects you from the difference between what your car is worth and what you still owe on your loan. He shares a heartfelt listener question from Jessica, who is grappling with a $7,000 deficit after her SUV was totaled. With insightful statistics and personal anecdotes, Ralph emphasizes the need for proactive financial planning and the role of insurance in safeguarding your future. Tune in for practical advice on how to avoid costly mistakes and escape this insurance nightmare, ensuring peace of mind in your financial journey. Read today's blog article Check out the full podcast episode here Podcast Timestamps: 00:00 Episode Overview 01:51 Listener's Heartbreaking Story 04:43 Bible Verse 05:28 Today’s Gratitude Statement 05:56 Eye-Opening Statistics Why GAP Insurance Is Crucial In Today’s Financial Landscape 13:31 What Is Gap Insurance and Its Coverage 15:16 How to Get GAP Insurance 16:32 Real-Life Example of GAP Insurance 19:35 What does GAP Coverage Cost? 20:52 Why Is GAP Insurance Important? 21:41 Evaluating Your Need for GAP Insurance 23:15 Creative Alternatives to GAP Insurance 25:47 Addressing Jessica's Situation 29:50 Visit https://www.askralphpodcast.com/blog/ for Free Financial Resources 30:12 Call to Action - 5 Ways You Can Share The Episode 32:30 Reflection Questions 34:25 Final Thoughts Takeaways: Understanding gap insurance is essential to avoid financial disaster when your car is totaled. Always read your loan paperwork carefully to check for included gap insurance coverage. Making a larger down payment can significantly reduce the risk of being underwater on your loan. Challenge your insurance company's valuation if you believe it undervalues your totaled vehicle. Building an emergency fund can provide a safety net for unexpected vehicle expenses. Consider negotiating the price of gap insurance when purchasing a new or used vehicle. 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...

    36분
모두 보기(639개)

예고편

4.8
최고 5점
17개의 평가

소개

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.

정보

  • 제작진
    Ralph V. Estep, Jr.
  • 방송 연도
    2017년 - 2025년
  • 에피소드
    639
  • 등급
    전체 연령 사용가
  • 저작권
    © Ask Ralph Media, Inc.
  • 웹사이트 보기
    Ask Ralph - Christian Finance

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