Financially Confident Christian

Ralph V. Estep, Jr.
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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.

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

    -15 Ч

    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 мин.
  2. What’s My Secret Weapon Against Losing Financial Motivation?

    -1 ДН.

    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 мин.
  3. How Can I Lock In My Financial Wins and Make Them Last?

    -2 ДН.

    How Can I Lock In My Financial Wins and Make Them Last?

    We’re diving straight into how to lock in those financial wins you’ve worked so hard for. How Can I Lock In My Financial Wins and Make Them Last? Seriously, you’ve busted your butt to break free from those old habits, and now it’s time to make sure they don’t come creeping back. Did you know that a whopping 73% of folks who hit a financial milestone end up slipping back into their old ways? Yeah, it’s wild! But fear not, because I’m here to spill the beans on how to solidify your progress and turn those wins into lasting confidence. So let’s chat about building habits that stick and keeping that momentum rolling – it's all about turning those small victories into your new lifestyle, baby! Read today's blog article Check the full podcast episode here Breaking free from financial chains is just the start, right? I mean, we’ve all had those moments when we think, ‘Yay, I’ve done it!’ But then that pesky little voice creeps in, asking, ‘What if I slip back?’ It's a real concern, especially knowing that a whopping 73% of folks fall back into old habits within two years after reaching a financial milestone. But don’t sweat it! We dive deep into how to lock in those wins and turn those fleeting moments of victory into a lifestyle of peace. We’re all about building lasting habits here, not just quick fixes. You need a system, my friends! Without it, you could be on the slippery slope back to where you started. We chat about the importance of daily decisions and how they shape our financial future. It’s all about consistency, baby! Celebrate those wins, tie them to solid habits, and keep reviewing them. Trust me, it’s not just about having a 'whoopee' moment; it’s about embedding those wins into your lifestyle. So, grab a pen and jot down those victories because we’re not just aiming for short-term gain; we’re building a robust foundation for the long haul. Takeaways: The key to lasting financial change is creating solid habits and systems. Don't let fear of slipping back ruin your progress; celebrate your wins instead. Transformation isn't just about big moments; it's about daily decisions and habits. If you want to keep your financial momentum, you gotta tie wins to habits. Most folks relapse without systems in place, so let’s avoid that by being proactive. God wants you to have lasting peace, not just short-term victories, so lock in those wins. 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...

    12 мин.
  4. How Can I Finally Live in True Financial Peace?

    -3 ДН.

    How Can I Finally Live in True Financial Peace?

    Today, we’re diving deep into a question that’s been buzzing in your minds: How Can I Finally Live in True Financial Peace? Spoiler alert: it’s not about crossing some imaginary finish line or ticking off a checklist. Nope, peace is more like a lifelong journey of faith, one step at a time. We’ve spent the last 30 days breaking those pesky financial chains, tackling fears, debts, and all that jazz, and now we’re tying it all together. So grab a comfy seat, because we’re about to explore how to anchor ourselves in God’s faithfulness and embrace the real path to lasting peace. Let’s get into it! Read today's blog article Check the full podcast episode here The journey to financial peace isn’t a race; it’s more like a leisurely stroll through a park with a friend. Ralph dives deep into this idea, emphasizing that many of us mistakenly think of financial peace as a finish line we can sprint to and cross. Instead, he points out that true peace is a lifelong journey, requiring continual growth and a solid relationship with God. Throughout the episode, Ralph shares heartfelt insights and personal anecdotes, like his own weight loss journey, to illustrate that progress takes time, and setbacks are just part of the process. He encourages all of us to embrace the ups and downs of our financial lives, reminding us that it’s about perseverance, not perfection. This episode is packed with wisdom on how to anchor ourselves in God’s faithfulness as we navigate our financial paths. We’re reminded that peace grows over time, and that by celebrating small victories, we can keep our momentum going. So grab your favorite drink, kick back, and let’s unpack how to live boldly as financially confident Christians. Takeaways: You can't just check a box and call it a day when it comes to financial peace; it's all about the journey. Peace isn't a destination, but more like a lifelong stroll with God as your partner in crime. Financial setbacks will happen, but it's how we bounce back that really counts in this game of life. True financial peace is less about being debt-free and more about finding contentment in what you've got. Breaking financial chains takes time, so don't rush; celebrate the little wins along the way, they matter! Your financial journey is about growth and learning, so keep hustling and don't lose sight of your goals. 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...

    13 мин.
  5. Why Does God Want Me to Be Financially Confident?

    -4 ДН.

    Why Does God Want Me to Be Financially Confident?

    God really wants you to be a financially confident Christian, and that’s what we’re diving into today. Why Does God Want Me to Be Financially Confident? We’re busting the myth that money and faith are at odds, ‘cause let’s face it, feeling guilty about wanting to be financially successful is just plain silly. We’ll chat about how God desires your confidence—not for your own selfish gains, but so you can serve, give generously, and make a real impact in the world. It’s all about using money as a tool, not a goal, and how that confidence can transform your relationship with Him. So, stick around as we unpack why financial confidence is key to living out your faith and advancing His kingdom! Read today's blog article Check the full podcast episode here Getting into the nitty-gritty of faith and finances, this episode dives deep into the idea that being a Christian doesn’t mean you have to be broke or guilty about money. Ralph kicks things off by addressing the elephant in the church: money! He lays it out straight that God isn't into making us feel guilty or fearful about our finances. Instead, He wants us to be financially confident so we can live freely, serve abundantly, and give generously. The discussion revolves around the struggle many face between wanting financial success and feeling like it’s somehow unspiritual. Ralph drops some stats from a Barna Group survey showing that 65% of Christians carry guilt about their financial aspirations. That’s a heavy load to bear, and Ralph is here to lift it! He reminds us that money is just a tool for worship, not the end goal. It’s all about using what we have to glorify God and advance His kingdom. He wraps up with a challenge: define your kingdom purpose and connect it to your financial goals. Because when we align our finances with our faith, we can truly become the confident Christians God calls us to be. Takeaways: God wants you to be financially confident, not for selfish gain, but to serve others. Money isn't the goal; it's just a tool to help you live out your purpose. Feeling guilty about wanting financial success keeps you from glorifying God with your resources. Financial confidence allows you to give generously and truly impact others for God's kingdom. Define your kingdom purpose so your financial goals align with what God wants for you. True stewardship is worship, not just managing money, but using it to serve God. 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  a href="mailto:ralph@askralph.com" rel="noopener noreferrer"...

    12 мин.
  6. Why Do I Still Worry About Money Even When Things Are Okay?

    -5 ДН.

    Why Do I Still Worry About Money Even When Things Are Okay?

    Why Do I Still Worry About Money Even When Things Are Okay? We’re diving into the heart of financial anxiety today, and trust me, you're not alone in feeling it. Even when everything looks peachy on paper—savings are growing, debt is a thing of the past—there’s that nagging worry that creeps in like an uninvited guest. We’re chatting about how nearly 70% of folks in the U.S. still stress about money, even when their finances seem stable. But here’s the kicker: true confidence isn’t about those perfect numbers; it’s about finding peace through faith, specifically in Christ. So stick around as we unpack how to break free from that cycle of worry and anchor ourselves in something solid, because financial peace is more about trust than totals. Read today's blog article Check the full podcast episode here Picture this: you've worked your tail off, saved up some cash, and finally kicked that pesky debt to the curb. On paper, everything's peachy—until that nagging anxiety creeps in. What if I lose my job? What if the market takes a nosedive? What if life throws a curveball and wipes out all my hard work? Turns out, you're not alone in this struggle. Nearly 70% of folks are sweating their finances even when things look stable. It's like we're all in this giant financial worry club that nobody signed up for! But hey, today’s chat is all about breaking that cycle of stress. The real kicker? True confidence isn't about having the perfect bank balance; it's about finding peace in something much bigger. Spoiler alert: that something is Christ. So, buckle up as we dive deep into how to shift our focus from worrying about cash flow to anchoring our peace in faith. Trust me, this is the game-changer you didn’t know you needed! Takeaways: A lot of us might look good on paper, but inside we're still feeling anxious about money. It's wild that nearly 70% of Americans worry about finances even when things are stable. True peace isn’t in your bank account, it’s found in trusting something bigger than numbers. To break free from financial anxiety, we gotta identify what's stealing our peace, like job loss or unexpected bills. 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 - ...

    15 мин.
  7. Why Do I Feel Like My Financial Progress Doesn’t Stick?

    -6 ДН.

    Why Do I Feel Like My Financial Progress Doesn’t Stick?

    Why Do I Feel Like My Financial Progress Doesn’t Stick? Let’s dive into the nitty-gritty of why financial progress can feel like a game of whack-a-mole. We’ve all been there, right? You kick things off strong, maybe set a budget or start saving, but then life throws a curveball, and suddenly, you’re back to square one. It’s a bummer, but you’re definitely not flying solo on this one—research shows that a whopping 80% of New Year’s resolutions flop by February! But don’t sweat it; the good news is, lasting financial peace isn’t about being perfect. It’s all about consistency and grace, and I'm here to chat about how we can build habits that actually stick without losing our minds. So, grab your favorite drink, kick back, and let’s get this financial party started! Read today's blog article Check the full podcast episode here Getting your finances on track can feel like pushing a boulder uphill, right? We’ve all been there—kicking off the year with big dreams and a shiny budget, only to watch it fizzle out faster than last night's pizza. Ralph dives deep into this struggle, sharing stories that hit close to home for many of us. You know the drill: you start strong, you’ve got your game plan, and then life happens. Maybe it’s a birthday dinner that blows your budget or a surprise bill that knocks you off course. Suddenly, you’re back to square one, wondering why it’s so hard to stick with your financial goals. Turns out, 80% of those New Year’s resolutions are toast by February. Ouch! But fear not, Ralph's got the lowdown on how to break that cycle of false starts. He emphasizes that it’s not about being perfect; it’s about being consistent. So lacing up your shoes for a long-term journey is key—no one’s expecting you to sprint! Takeaways: Progress in financial goals is often lost, as we slip back into old habits. Lasting financial peace isn't about being perfect, it's about being consistent and graceful. Many people start financial goals, but only a small percentage stick to them for long. Building strong financial habits requires accountability and the ability to bounce back quickly. Daily decisions and small habits build the foundation for long-term financial success. Don't wait to restart your financial journey; start right after a setback to keep moving forward. Links referenced in this episode: financiallyconfidentchristian.comfinanciallyconfidentchristian.com/becoming LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) SUPPORT THE SHOW Please share our Podcast with all your friends and family! Submit your questions or ideas for future shows - email us at  ralph@askralph.com or leave a voicemail message on our podcast page Leave A Voicemail Message Buy Ralph's Book - a...

    15 мин.
  8. Why Do I Feel Unprepared for Big Life Financial Decisions?

    22 СЕНТ.

    Why Do I Feel Unprepared for Big Life Financial Decisions?

    Big life decisions like marriage, buying a home, and changing careers can be a real rollercoaster, right? We dive into how these moments, which should be filled with joy, often come with a hefty dose of anxiety and that pesky knot in your stomach. Seriously, you're not alone if you’ve ever wondered how the heck you’re going to pay for it all or if you’re making the right choice. Why Do I Feel Unprepared for Big Life Financial Decisions? Today, we’re unpacking how to go from feeling totally unprepared to rocking that confidence with some solid steps. So, grab a snack, kick back, and let’s chat about how to navigate these financial crossroads without losing our minds! Read today's blog article Check the full podcast episode here Big life moments can feel pretty sweet, right? But let’s be real, they often come with a side of stress that can feel like a punch to the gut. Whether it’s tying the knot, snagging that dream house, or even thinking about starting a family, these decisions can make us question everything. You know the drill: how am I gonna pay for this? What if I screw it up? What if I end up regretting it all? Trust me, you’re not alone in feeling this way. A study showed that a whopping 77% of folks are sweating bullets over financial choices. So, what’s the game plan? Today, we’re diving into how to swap that anxiety for peace, using some solid wisdom and a simple roadmap. Let’s turn those ‘what ifs’ into ‘I got this’ moments and tackle those big decisions with confidence. Join me as I break it down and help you step into the financial clarity you deserve. Takeaways: Making big life decisions like marriage, buying a home, or starting a family can feel overwhelming and stressful. You're definitely not alone if you feel anxious about making financial choices; 77% of folks feel the same way. Preparation is key! Biblical wisdom suggests planning ahead and seeking advice before making big financial moves. Don't let fear dictate your decisions—take small, manageable steps to gain confidence and clarity in your financial journey. 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...

    13 мин.
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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.

Информация

  • Автор
    Ralph V. Estep, Jr.
  • Годы выхода
    2017 - 2025
  • Выпуски
    895
  • Ограничения
    Без ненормативной лексики
  • Авторские права
    © Ask Ralph Media, Inc.
  • Сайт подкаста
    Financially Confident Christian

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