Hosts: Ralph Estep Jr., LPA & Juliet, first-time entrepreneurIn this episode of Becoming Financially Confident, Ralph Estep Jr. explains<ul><li>Why parents should put a simple written agreement in place before an adult child moves back home</li><li>College freshman money skills: Needs versus wants, compound growth, and responsible credit card use.</li><li>Medicaid family caregiver programs: How family caregiver pay may work in some states and why approved hours, paperwork, and state oversight matter.</li><li>Credit utilization: What your credit utilization ratio means, why it matters, and strategies discussed for lowering it.</li></ul> Have a money question for Ralph?Send it to:<a href="https://www.becomingfinanciallyconfident.com/voicemail" rel="noopener noreferrer" target="_blank">https://www.becomingfinanciallyconfident.com/voicemail</a>Watch Becoming Financially Confident live every weekday at 11:30 AM Eastern:<a href="https://www.becomingfinanciallyconfident.com/live" rel="noopener noreferrer" target="_blank">https://www.becomingfinanciallyconfident.com/live</a>LINKS MENTIONEDWin Ralph's Money:<a href="https://www.becomingfinanciallyconfident.com/giveaway" rel="noopener noreferrer" target="_blank">https://www.becomingfinanciallyconfident.com/giveaway</a>LawDepot:<a href="https://www.becomingfinanciallyconfident.com/lawdepot" rel="noopener noreferrer" target="_blank">https://www.becomingfinanciallyconfident.com/lawdepot</a>Stamps.com:<a href="https://www.becomingfinanciallyconfident.com/stamps" rel="noopener noreferrer" target="_blank">https://www.becomingfinanciallyconfident.com/stamps</a>WalletHub:<a href="https://www.becomingfinanciallyconfident.com/wallet" rel="noopener noreferrer" target="_blank">https://www.becomingfinanciallyconfident.com/wallet</a>IRS Tax Withholding Estimator:<a href="https://www.irs.gov/w4app" rel="noopener noreferrer" target="_blank">https://www.irs.gov/w4app</a>FOLLOW BECOMING FINANCIALLY CONFIDENTLinkedIn:<a href="https://www.linkedin.com/company/becomingfinanciallyconfident" rel="noopener noreferrer" target="_blank">https://www.linkedin.com/company/becomingfinanciallyconfident</a>Facebook Group:<a href="https://www.facebook.com/share/g/1HpWqv8jp9/" rel="noopener noreferrer" target="_blank">https://www.facebook.com/share/g/1HpWqv8jp9/</a>Instagram:<a href="https://www.instagram.com/becomingfinanciallyconfident" rel="noopener noreferrer" target="_blank">https://www.instagram.com/becomingfinanciallyconfident</a>Skool Community:<a href="https://www.skool.com/becoming-financially-confident-7556" rel="noopener noreferrer" target="_blank">https://www.skool.com/becoming-financially-confident-7556</a>

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