In today's episode, Ralph Estep Jr. and Juliet explain what happens when you inherit a $48,000 traditional IRA, plus a fake bank fraud text, rising home insurance costs, and small business cash flow.In This Episode✓ A fake fraud-alert text nearly gets Ralph's youngest son to call the scammers back✓ Home insurance now costs more than property taxes in two-thirds of US counties✓ 55% of small business owners say cash flow is their top problem✓ Inheriting a $48,000 IRA: the 10-year rule and the tax bracket trap✓ Self-employment tax: 15.3% on side hustle income and the four quarterly dates✓ Which dollars to keep when you cut, and finding your first $25If you've ever stared at a bill or a text and wondered what to do next, today's episode gives you a place to start.ResourcesWatch live:<a href="https://www.becomingfinanciallyconfident.com/live" rel="noopener noreferrer" target="_blank">https://www.becomingfinanciallyconfident.com/live</a>Win Our Christmas Bonus:<a href="https://www.becomingfinanciallyconfident.com/giveaway" rel="noopener noreferrer" target="_blank">https://www.becomingfinanciallyconfident.com/giveaway</a>Year-End Personal Tax Review with Ralph:<a href="https://www.becomingfinanciallyconfident.com/yearend" rel="noopener noreferrer" target="_blank">https://www.becomingfinanciallyconfident.com/yearend</a>Book a call:<a href="https://www.ralphestepjr.com/schedule" rel="noopener noreferrer" target="_blank">https://www.ralphestepjr.com/schedule</a>Be on the show:<a href="https://www.becomingfinanciallyconfident.com/stuck" rel="noopener noreferrer" target="_blank">https://www.becomingfinanciallyconfident.com/stuck</a>FTC on 2025 fraud losses:<a href="https://www.ftc.gov/news-events/news/press-releases/2026/03/ftc-testifies-joint-economic-committee-agencys-efforts-combat-fraud" rel="noopener noreferrer" target="_blank">https://www.ftc.gov/news-events/news/press-releases/2026/03/ftc-testifies-joint-economic-committee-agencys-efforts-combat-fraud</a>Home insurance vs. property taxes (Bloomberg Intelligence via Claims Journal):<a href="https://www.claimsjournal.com/news/national/2026/10/20/340815.htm" rel="noopener noreferrer" target="_blank">https://www.claimsjournal.com/news/national/2026/10/20/340815.htm</a>Fora Financial 2026 Business Insights:<a href="https://www.forafinancial.com/business-insights/" rel="noopener noreferrer" target="_blank">https://www.forafinancial.com/business-insights/</a>IRS Publication 590-B (inherited IRAs):<a href="https://www.irs.gov/publications/p590b" rel="noopener noreferrer" target="_blank">https://www.irs.gov/publications/p590b</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>Have a money question?Send it here:<a href="https://www.becomingfinanciallyconfident.com/voicemail" rel="noopener noreferrer" target="_blank">becomingfinanciallyconfident.com/voicemail</a>Companies MentionedBloomberg IntelligenceFora FinancialNerdWalletDuo SecurityGoogle AuthenticatorBank of AmericaAppleYouTubeRumbleRedditChatGPTClaude

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