Ask Ralph - Christian Finance

Ralph V. Estep, Jr.
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. How do you turn reasonable cause into IRS penalty forgiveness?

    HÁ 16 H

    How do you turn reasonable cause into IRS penalty forgiveness?

    Are IRS penalties keeping you up at night? Well, today we're diving into the world of reasonable cause, where there's a chance to wipe those pesky penalties off the books! Our listener, Tiffany, reached out for some relief, and we’re here to help her (and you) find that glimmer of hope in a pile of tax stress. We'll unpack what reasonable cause really means, share some super relatable stories, and equip you with the know-how to tackle those IRS woes head-on. So grab your favorite drink, kick back, and let’s lighten that financial load together by exploring your options for IRS penalty forgiveness! Read today's blog article Check out the full podcast episode here Facing IRS penalties? It's like carrying around a backpack full of bricks while trying to enjoy a leisurely stroll, right? It’s heavy, it’s stressful, and you just want to drop it. Well, today, we dive into the world of 'reasonable cause'—a term that could turn those pesky penalties into a distant memory. Our listener, Tiffany, reached out in sheer desperation, sharing her struggles with overwhelming IRS penalties after a series of unfortunate events. You know, life stuff like natural disasters and family health crises—heavy stuff! We break down what reasonable cause really means, and how it can be your golden ticket to penalty forgiveness. So, if you're drowning in IRS woes, grab a life raft because we've got the insights you need to navigate this stormy sea of tax troubles! Podcast Timestamps: 00:00 Episode Overview 01:53 Tiffany's Question: Struggling with IRS Penalties 04:05 If You Have A Question You'd Like Answered, Head Over To https://justaskralph.com/ 04:25 Bible Verse – Psalm 32:5 and the Path to Forgiveness 06:15 Today’s Gratitude Statement 06:50 Client’s Story: When Life Hits Hard – Linda’s Tax Struggles  09:19 What is Reasonable Cause? 10:37 Common Examples of Reasonable Cause 12:40 What Doesn't Count as Reasonable Cause 15:09 The Process of Requesting Penalty Abatement 22:25 Types of IRS Penalties 26:40 Other Ways to Get IRS Penalty Forgiveness 33:22 Documentation Needed for Reasonable Cause Claims 40:11 Visit https://www.askralphpodcast.com/blog/ for Free Financial Resources 40:34 Reflection Questions 41:48 You Can Support the Show by Visiting https://askralphpodcast.com/support 43:48 Call to Action: Visit https://askralph.com/ to Book a Call With Ralph 44:40 Mailbag - Listeners’ Testimonials 45:57 Share Your Story With Ralph! Email Ralph Directly At ralph@askralph.com 46:30 Closing Takeaways: If you're drowning in IRS penalties, there's a chance to breathe easy with reasonable cause. Being hit with unexpected life events can totally mess up your tax game, and that's okay! Gather all your docs and make sure they’re clear if you want those penalties wiped away. The IRS can be understanding, but you gotta show you tried your best to comply. Documentation is key! Death certificates and medical records help your case big time. Don't panic if you get an IRS letter—just follow up and keep track of

    47min
  2. Can you truly live generously on a tight budget?

    HÁ 1 DIA

    Can you truly live generously on a tight budget?

    Are you feeling the squeeze on your wallet but still want to give? Well, you’re in the right place! Today, we’re tackling that big question: can you live generously on a tight budget? Spoiler alert: the answer is yes, and we’ve got some practical tips and biblical wisdom to show you how. Imagine being able to give cheerfully, even sacrificially, without the financial stress weighing you down. So, if you’re ready to experience the joy of giving while keeping your finances in check, stick around because we’re diving into some heartwarming stories and actionable advice that’ll get you on the path to a generous lifestyle, no matter how tight things are—and help you truly live generously. Read today's blog article Check out the full podcast episode here Struggling to juggle your faith and finances? You’re not alone! We dive headfirst into the heart of generosity, even when your wallet feels lighter than a feather. Ralph, our financial evangelist, shares anecdotes and practical tips to help you embrace a giving mindset without breaking the bank. Picture this: you can still give cheerfully, like a kid in a candy store, even when your budget feels cramped. The key is about aligning your heart with God’s purpose and making giving a priority. Ralph shares how budgeting can be a game changer, emphasizing that it’s not about how much you give but the attitude behind it. Join us as we explore how a single mom, Kim, navigates her tight budget and the beautiful ways she can still give back to her community. Spoiler alert: it’s all about creativity and resourcefulness! Podcast Timestamps: 00:00 Episode Overview 02:29 Listener's Question: Kim's Concern About Generosity on a Tight Budget 04:29 If You Have A Question You'd Like Answered, Head Over To https://justaskralph.com/ 04:49 Bible Verse - 2 Corinthians 9:7 06:54 Ralph's Gratitude Statement 07:35 Real-Life Example: Lisa's Story of Generosity 15:28 Practical Tips for Giving Generously on a Tight Budget 23:49 Common Obstacles to Generosity 29:44 Bible Verses that Encourage Generosity 33:43 Practical Ways To Put Generosity Into Practice 38:29 Visit https://www.askralphpodcast.com/blog/ for Free Financial Resources 38:50 Reflection Questions 40:08 You Can Support the Show by Visiting https://askralphpodcast.com/support 40:55 Key Takeaways From This Episode 42:22 Call to Action: Visit https://askralph.com/ to Book a Call With Ralph 43:18 Mailbag - Listeners’ Testimonials 44:29 Share Your Story With Ralph! Email Ralph Directly At ralph@askralph.com 45:42 Closing Prayer Takeaways: Balancing faith and finances is tricky, but it’s possible to live generously on a budget! You can give cheerfully without feeling the financial pinch, even if times are tough. Real joy comes from knowing your generosity makes a difference in someone else's life. Being generous isn't just about money; it's about your heart and attitude toward giving. Links referenced in this episode: Ask Ralph Blog   a...

    48min
  3. Is the 30% rule for housing costs still a wise guideline today?

    HÁ 2 DIAS

    Is the 30% rule for housing costs still a wise guideline today?

    Is the 30% rule for housing still practical in today’s economy? In this episode of the Ask Ralph Show, Ralph Estep, our financial evangelist, is joined by Craig Van Slyke to unpack this widely accepted guideline, exploring how rising living costs and individual financial situations impact its effectiveness. They also break down the tax implications of inherited savings bonds, offering straightforward advice to help you make the most of these financial gifts. Plus, Ralph and Craig dive into the world of high-yield savings accounts, sharing key factors to consider and common fees to avoid. With a mix of faith-based wisdom and a touch of humor, this episode equips listeners with the knowledge to make confident, well-informed financial choices while rethinking the rule for housing costs. Read today's blog article Check out the full podcast episode here Drowning in debt? Struggling to make ends meet? Feeling like retirement is out of reach? Ralph is here to share real-life financial wisdom—not just textbook advice. Having faced financial struggles himself, he knows what it takes to turn things around. This episode kicks off with a powerful Bible verse from Luke, reminding us to be faithful stewards of our money. Ralph and Craig dive into key topics like the 30% rule for housing costs and making the most of inherited savings bonds, all with a touch of humor and practical insights. Get ready to take control of your finances and turn financial freedom into a reality! Podcast Timestamps: 00:00 Episode Overview 00:47 Welcoming Craig Van Slyke 01:14 Bible Verse: Luke 16:10-11 02:43 Listener’s Question #1: The 30 Percent Rule for Housing Costs 03:43 Real-Life Examples and Flexible Approaches 04:24 The Impact of Geographic Variability 04:52 Income Stability and Financial Planning 06:45 Changing Economic Conditions 10:18 Psychological and Emotional Aspects of Home Buying 14:11 Listener’s Question #2: Taxation on Found Savings Bonds 15:31 Taxation on Interest from EE Bonds 24:53 Viewer Question: What to Do When Close to Paying Off Your Home 26:25 Evaluating Your Debts and Home Investments 27:24 Enjoying Your Money Responsibly 30:25 The Cat and the Sledgehammer Story 31:30 Listener’s Question #3: High Yield Savings Accounts-Tips and Recommendations 32:31 A Funny Casino Story 34:57 Maximizing Savings and Avoiding Fees 46:11 Visit https://www.askralphpodcast.com/blog/ for Free Financial Resources 46:35 You Can Support the Show by Visiting https://askralphpodcast.com/support 47:23 Exploring AI with Craig Van Slyke at https://aigoestocollege.com/ 48:34 Closing Takeaways: Financial failure isn't the end; it's a chance to bounce back stronger and wiser. Living paycheck to paycheck is tough, but remember, you're not alone in the struggle. Understanding the 30% rule for housing costs can help you avoid financial pitfalls. Finding a high yield savings account can maximize your returns, so do your research! Your financial choices should align with your life goals and values, so keep that in mind. Taxes on inherited bonds can be complicated; consulting a professional is usually worth it. Links referenced...

    50min
  4. Are you sacrificing your future by taking social security too soon?

    HÁ 3 DIAS

    Are you sacrificing your future by taking social security too soon?

    Are you wondering if taking Social Security too soon could mess with your future? Today, we’re diving into a super important question that could totally shape your retirement game plan. We’ll break down how claiming Social Security early can impact your financial security, and trust me, you’ll want to stick around for this. We’re all about helping you make the best decision for your future, so grab your favorite snack and let’s get into the nitty-gritty of this crucial topic. This is an episode you don’t want to miss—especially if you're worried about the risks of claiming Social Security too soon! Read today's blog article Check out the full podcast episode here The episode dives right into a burning question many people face as they approach retirement: Should I take Social Security early? Ralph Estep, our financial evangelist, takes us through the various implications of claiming benefits too soon. He shares insights from real-life stories, like that of a listener named John, who worries about the financial security of taking his benefits at age 62. Ralph emphasizes that this is not just about crunching numbers; it’s about ensuring a comfortable lifestyle for you and your loved ones in retirement. He talks about the consequences of early withdrawal, like reducing monthly benefits by as much as 30%, which can really add up in the long run. Plus, there’s a heartfelt discussion around the importance of aligning financial decisions with one’s faith and values, highlighting how trusting God can play a part in financial planning. It’s a blend of practical advice and spiritual guidance, making it a thoughtful listen for anyone pondering their retirement choices. Podcast Timestamps: 00:00 Episode Overview 02:08 Listener’s Question: John’s Concern About Early Social Security Claims 05:58 If You Have A Question You'd Like Answered, Head Over To https://justaskralph.com/ 06:25 Bible Verse - Proverbs 16:3 08:01 Ralph’s Gratitude Statement 09:24 Client’s Story: The Importance Of Timing Your Social Security Benefit 15:31 Financial Implications and Options of Claiming Social Security Early 25:27 Key Financial Considerations As You Decide When To Claim Your Social Security Benefits 30:58 Health Considerations and Family Longevity 34:32 How to Navigate Your Retirement Goals with Social Security in Mind 40:03 Christian Stewardship and Trusting God’s Provision 50:22 Visit https://www.askralphpodcast.com/blog/ for Free Financial Resources 50:43 Reflection Questions 53:23 You Can Support the Show by Visiting https://askralphpodcast.com/support 54:10 Key Takeaways From This Episode 54:51 Call to Action: Visit https://askralph.com/ to Book a Call With Ralph 55:40 Mailbag - Listeners’ Testimonials 57:15 Share Your Story With Ralph! Email Ralph Directly At ralph@askralph.com 57:35 Closing Takeaways: Claiming Social Security too early can lead to a permanent reduction of benefits, so consider your options wisely. It's essential to evaluate your financial needs, health status, and family longevity when deciding on Social Security....

    59min
  5. Are you ready for the IRS when earning extra income?

    HÁ 4 DIAS

    Are you ready for the IRS when earning extra income?

    Are you diving into the gig economy, raking in some extra dough from side gigs, freelance work, or selling stuff online? Well, buckle up, because we’re tackling the crucial topic of tax obligations that come with that newfound income! It's not the most exciting subject, but trust me, understanding your tax responsibilities will save you from panic attacks when the IRS comes knocking. We'll break down everything from income tax to those sneaky self-employment taxes and even the confusing world of sales tax. So if you’re feeling a bit overwhelmed, don’t fret! I’m here to help you navigate these waters and keep your financial ship sailing smoothly. Grab your notepad, and let’s get you IRS-ready when earning extra income! Read today's blog article Check out the full podcast episode here Earning extra cash through side hustles, like selling crafts or freelancing, can feel like a dream come true—until tax season rolls around, am I right? In this episode, we’re diving deep into the nitty-gritty of what it means to report that income properly. Financial evangelist, Ralph Estep Jr., is here to lighten the load with some sage advice. He breaks down the tax obligations you might not even know you have, like income tax, self-employment tax, and the ever-confusing sales tax. Ralph talks about why keeping track of your earnings is not just smart but absolutely necessary if you want to keep the IRS off your back. And don’t worry; Ralph doesn’t just throw tax jargon at you. He shares relatable stories, like that of Amber with her vintage clothing business, who learned the hard way that ignoring taxes can lead to an overwhelming mess. But fear not! With Ralph's tips, you’ll be prepped and ready to tackle tax time without the headaches. So, grab your notepad, and let’s make those tax obligations a little less scary! Podcast Timestamps: 00:00 Episode Overview 02:33 Listener's Question - Daniel's Tax Concerns 04:26 If You Have A Question You'd Like Answered, Head Over To https://justaskralph.com/ 04:56 Bible Verse - Romans 13:1-7 07:19 Ralph's Gratitude Statement 07:45 Client’s Story - From Overwhelmed to Organized: How Amber Took Control of Her Business Taxes 10:49 Understanding Income Tax for Side Gigs 12:30 Self-Employment Tax Explained 13:47 Navigating Sales Tax for Online Sales 14:58 What is Nexus and How Does It Affect You? 17:46 Different Types Of Nexus That Can Trigger Sales Tax Obligations 23:33 Estimated Taxes and Avoiding Underpayment Penalties 33:18 The Benefits of Keeping Accurate Financial Records 43:36 Key Tax Deductions for Side Gigs and Online Sales 47:45 Key Takeaways From This Episode 48:41 Visit https://www.askralphpodcast.com/blog/ for Free Financial Resources 48:54 Reflection Questions 49:39 You Can Support the Show by Visiting https://askralphpodcast.com/support 50:43 Call to Action: Visit https://askralph.com/ to Book a Call With Ralph 51:14 Mail Big - Listener’s Testimonials 52:23  Share Your Story With Ralph! Email Ralph Directly At ralph@askralph.com 53:12 Closing Takeaways: The gig economy is booming,...

    54min
  6. Does divorce have to be painful? Avoiding financial and tax traps

    HÁ 5 DIAS

    Does divorce have to be painful? Avoiding financial and tax traps

    Divorce can feel like a big ol' mountain, but today we're diving into how to make that climb a little less daunting. We're here to discuss about the financial and tax traps that can really catch you off guard during this tough time. If you're facing a split or know someone who is, stick with us! We're sharing some real-world tips to help you navigate these choppy waters without losing your financial shirt. Plus, we'll tackle a heartfelt question from our listener, April, who's looking for some solid advice on managing her emotions and finances while going through her divorce. It’s a tough road, but is there a way to make it smoother? Does divorce have to be painful? Read today's blog article Check out the full podcast episode here Waking up with anxiety is a tough gig, but what if I told you that navigating the rough seas of divorce doesn’t have to be a total nightmare? We dove deep into the emotional and financial whirlpool that comes with splitting up, and trust me, it can feel like you’re trying to climb Everest in flip-flops. Our listener, April, reached out with a heartfelt question, and we unpacked her fears—mortgages, debts, tax traps, you name it. But hang on, because we’re not just wallowing in despair here; we’re all about action! By blending faith and savvy financial tips, we aim to help you glide through this storm with grace. It’s about finding that silver lining, and guess what? There’s a way to keep both your wallet and your faith intact. So if you or someone you know is in the thick of divorce chaos, this episode is your lifeline. Stick around for actionable insights that could turn this turbulent time into a manageable journey. Let's get you some clarity and hope! Podcast Timestamps: 00:00 Episode Overview 02:45 Listener's Heartfelt Question: April's Story 05:08 If You Have A Question You'd Like Answered, Head Over To https://justaskralph.com/ 05:28 Bible Verse - Malachi 2:16 07:05 Today’s Gratitude Statement 07:34 Ralph's Personal Story of Divorce 13:20 Client Story: Emily's Journey Through Divorce 25:13 Actionable Steps to Navigate Divorce 30:58 Common Tax Traps in Divorce 36:39 Collaborative Divorce: A Cost-Effective Approach 39:21 Practical Steps to Navigate Divorce 42:38 Visit https://www.askralphpodcast.com/blog/ for Free Financial Resources 42:59 Reflection Questions 44:42 You Can Support the Show by Visiting https://askralphpodcast.com/support 45:38 Call to Action: Visit https://askralph.com/ to Book a Call With Ralph 46:22 Mail Big - Listener’s Testimonials 47:25 Share Your Story With Ralph! Email Ralph Directly At ralph@askralph.com 48:02 Closing Takeaways: Divorce can feel like an emotional rollercoaster, but there are ways to navigate it smoothly. With a solid plan, you can avoid financial pitfalls and come out stronger post-divorce. It's super important to seek professional advice to tackle financial and tax complexities during divorce. Mediation often beats traditional litigation, saving you bucks and stress during a divorce. Building an emergency...

    49min
  7. Are you truly ready to retire or are these financial habits holding you back?

    HÁ 6 DIAS

    Are you truly ready to retire or are these financial habits holding you back?

    Ready to dive into the wild world of retirement? We're tackling the big question: Are your financial habits keeping you from the golden years you’ve been dreaming of? Spoiler alert: If you’re worried about outliving your savings, dealing with overspending, or drowning in debt, this episode is for you! We’re sharing practical, faith-based steps to help you break free from those pesky pitfalls that can rain on your retirement parade. So, grab your favorite snack, kick back, and let’s explore how to ensure those retirement dreams come true without the stress—so you can be truly ready to retire with confidence and peace of mind! Read today's blog article Check out the full podcast episode here Reaching retirement age is like hitting the jackpot, but what if your financial habits are the hidden trapdoor pulling you back? That's the heart of our discussion today. We're diving into the common pitfalls that can turn your golden years into a financial nightmare. From overspending like it's a sport to the looming fear of outliving your savings, we’re unpacking it all. But don’t worry; we’re not just here to freak you out! We’re also serving up some practical, faith-based tips to get you back on track. Think of it as your retirement GPS, recalculating your route to financial freedom. So grab a cozy seat, maybe a snack (but not too many snacks, we’re cutting back here!), and let’s journey together toward a stress-free retirement! Podcast Timestamps: 00:00 Episode Overview 02:18 Listener Question: Linda's Retirement Concerns 04:08 If You Have A Question You'd Like Answered, Head Over To https://justaskralph.com/ 04:31 Bible Verse: Proverbs 21:5 05:23 Today’s Gratitude Statement 06:51 Client Story: Overcoming Financial Challenges 18:14 Steps to Financial Transformation 31:14 Listener Testimonials and Success Stories 34:20 Visit https://www.askralphpodcast.com/blog/ for Free Financial Resources 34:50 Reflection Questions 36:41 You Can Support the Show by Visiting https://askralphpodcast.com/support 38:44 Key Takeaways from Today’s Episode 39:47 Call to Action: Visit https://askralph.com/ to Book a Call With Ralph 40:50 Mailbag: Listener Stories 41:51 Share Your Story With Ralph! Email Ralph Directly At ralph@askralph.com 42:49 Closing Takeaways: Retirement can feel like a dream, but financial habits might be your worst enemy. Overspending and debt can haunt your retirement, but practical steps can help you break free. Finding joy in what you have can transform your financial habits and prepare you for retirement. Planning for retirement means knowing your expenses, cutting back, and creating a budget that works for you. Establishing an emergency fund is crucial to avoid dipping into your retirement savings for unexpected expenses. Professional guidance can help you navigate your retirement planning and avoid financial pitfalls. Links referenced in this episode: a href="https://practicalprepping.info" rel="noopener noreferrer"...

    44min
  8. What happens to your debt when you’re no longer here?

    3 DE MAR.

    What happens to your debt when you’re no longer here?

    Losing a loved one is already an overwhelming experience, but discovering they left behind a mountain of hidden debt can make it even more challenging. In this episode, we tackle the tough realities of managing a deceased family member’s financial obligations. Our listener, Don, is facing this exact situation after his mother’s passing. Ralph walks him through the necessary steps—organizing documents, contacting creditors, and understanding legal responsibilities—to help ease the burden. We’ll also share real-life stories, practical strategies, and key insights on how to protect your loved ones from inheriting unexpected financial liabilities. If you’ve ever wondered what truly happens to your debt after you’re gone, this episode provides clarity, guidance, and hope. Read today's blog article Check out the full podcast episode here Losing a loved one is tough, like, really tough. But finding out they’ve left behind a mountain of hidden debt? That’s like a double whammy! In today’s episode, we dive into Don’s story after he lost his mother and discovered she had kept a ton of debts a secret. We talk about the emotional rollercoaster this can create, not just for Don but for anyone facing similar challenges. It’s heart-wrenching to see families torn apart by financial stress, especially when they should be coming together. We’re here to help you navigate the murky waters of debt after death and give you some tips on how to protect your loved ones from inheriting financial chaos. Remember, you’re not alone in this journey! We’ll help you find some peace of mind and actionable steps to take control of the situation. So grab a comfy seat and let’s tackle this together! Podcast Timestamps: 00:00 Episode Overview 01:40 Listener's Heartfelt Question: Don's Story 05:28 If You Have A Question You'd Like Answered, Head Over To https://justaskralph.com/ 05:48 Bible Verse: Psalm 34:18 06:49 Today’s Gratitude Statement 07:18 A Tearjerker Story: Michael's Hidden Debts 24:52 Steps to Handle Financial Burdens After a Loss 30:14 Bella's Story: From Grief to Hope 35:27 Visit https://www.askralphpodcast.com/blog/ for Free Financial Resources 35:56 Reflection Questions 37:25 You Can Support the Show by Visiting https://askralphpodcast.com/support 38:36 Key Takeaways From Today's Show 39:19 Call to Action: Visit https://askralph.com/ to Book a Call With Ralph 39:52 Mailbag: Listener Stories 41:59 Share Your Story With Ralph! Email Ralph Directly At ralph@askralph.com 42:17 Closing Takeaways: Losing a loved one can hit you with hidden debts, which feels like a punch to the gut, right? If you’re dealing with inherited debt, gather all financial documents to see what’s really going on. Talk to the creditors! They might have options for you that can ease the burden a bit. Never underestimate the power of a support system – friends, family, or a good group help tons! The legal stuff can be complex; get a lawyer to sort out the debts you might not owe. Remember, this is a journey, take it one step at a time and don’t rush...

    44min

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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.

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