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Ask Ralph - Christian Finance

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Ralph V. Estep, Jr.

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.

#629

Tax Identity Theft: Is Someone Filing Returns in Your Name?

Tax identity theft can be a devastating blow to your finances, leaving you feeling violated and overwhelmed. Today, we dive deep into this pressing issue, sharing practical steps you can take to protect yourself and your family from becoming a victim. We'll explore a powerful story of Sarah, a small business owner who faced this nightmare, and how she navigated her way from crisis to triumph with faith and guidance. Throughout the episode, financial evangelist Ralph Estep Jr. emphasizes the importance of being proactive in safeguarding your financial identity, offering biblical wisdom and actionable advice. Don’t miss out on these essential insights to help you secure your financial future, find peace of mind amidst uncertainty, and protect yourself from Tax Identity Theft. [Read today's blog article] (https://www.askralphpodcast.com/blog/prevent-tax-identity-fraud-finances/) [Check out the full podcast episode here] (https://rumble.com/v6ad3yp-tax-identity-theft-is-someone-filing-returns-in-your-name.html) Podcast Timestamps: 00:00 Episode Overview 02:21 Listener Question: Maria's Tax Identity Theft 06:05 Bible Verse: Proverbs 22:3 07:00 Today’s Gratitude Statement 07:17 Sarah's Story: From Crisis to Triumph 15:55 Immediate Actions for Victims of Tax Identity Theft 18:06 Critical Business Protection Steps 19:48 Spiritual and Personal Support 20:35 Documentation to Gather 21:54 Essential Strategies to Prevent Tax Identity Theft 27:26 Visit [https://www.askralphpodcast.com/blog/] (https://www.askralphpodcast.com/blog/) for Free Financial Resources 27:48 Call to Action: Join the Live Community 30:36 Reflection Questions 32:38 Closing Takeaways: --- Tax identity theft can happen to anyone, so proactive measures are essential to prevent it. --- Filing your tax return early can protect you from identity theft and help identify issues. --- Always secure personal information, including shredding documents and using strong passwords. --- Maintaining detailed records and documenting every interaction with financial institutions is crucial. --- Engage a trusted financial advisor or professional for guidance in complex situations. --- Having a plan for financial emergencies can strengthen your resilience against identity theft. Links referenced in this episode: ---Ask Ralph Insiders Community [https://mailchi.mp/askralph.com/group] (https://mailchi.mp/askralph.com/group) ---Ask Ralph Show Live [https://] (https://justaskralph.com/) [askralphpodcast.com/live] (http://askralphpodcast.com/live) ---What is your question that you would like to ask Ralph? Send Your Question here: [https://justaskralph.com/] (https://justaskralph.com/) ---Join our email list and get a free copy of “Mastering Your Finances” at [https://askralph.com/] (https://askralph.com/) [LISTEN NOW] (https://www.askralphpodcast.com/) [WATCH NOW ON YOUTUBE] (https://www.youtube.com/channel/UC1ZyJLydWUPqYaF2mS1l1Yg) (OUR VIDEO VERSION) [WATCH NOW ON RUMBLE] (https://rumble.com/c/ASKRALPHPODCAST) (OUR VIDEO VERSION) [VISIT OUR ASK RALPH SHOW GEAR STORE] (https://askralph-shop.fourthwall.com/?source=dashboard) FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" [JOIN OUR FACEBOOK INSIDERS GROUP] (https://www.facebook.com/share/W39nbmnKqtgqr9om/?mibextid=K35XfP) [SUPPORT THE SHOW] (https://ASKRALPHPODCAST.COM/SUPPORT) Please share our Podcast with all your friends and family! Submit your questions or ideas for future shows - email us at [ralph@askralph.com] (mailto:ralph@askralph.com) or leave a voicemail message on our podcast page [Leave A Voicemail Message] (https://www.askralphpodcast.com/) Like us on Facebook and follow us on Facebook at [https://www.facebook.com/askralphmedia] (https://www.facebook.com/askralphmedia) Twitter (@askralphmedia) or visit [www.askralphpodcast.com] (https://www.askralphpodcast.com/) for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to [www.askralph.com] (https://www.askralph.com/) for more information! Buy Ralph's Book - Mastering Your Finances! on [Amazon] (https://www.amazon.com/MASTERING-YOUR-FINANCES-Comprehensive-Financial/dp/B0CN5Q9PSJ/ref=sr_1_1?crid=3T7LBW5MT5G0L&keywords=ralph+estep&qid=1702750208&sprefix=ralph+estep%2Caps%2C90&sr=8-1) Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journeyon [Amazon] (https://a.co/d/1AUENOB) ... Read more

Yesterday

34 MINS

34:15

Yesterday

#628

Does Saving for Emergencies Mean We Don't Trust God?

Feeling guilty about having an emergency fund? You’re not alone. Many people wrestle with the idea that saving money might indicate a lack of trust in God. Ralph addresses this struggle head-on, sharing his personal journey from financial hardship to finding peace in balancing financial responsibility with faith. Through the lens of Matthew 6:26, he emphasizes that wise stewardship is not only acceptable but can be an expression of faith. Join Ralph as he offers practical biblical guidance to help you align your financial decisions with God’s purpose, proving that financial success, saving for emergencies, and deep faith can coexist harmoniously. [Read today's blog article] (https://www.askralphpodcast.com/blog/financially-prepared-without-losing-faith/) [Check out the full podcast episode here] (https://rumble.com/v69chf7-does-saving-for-emergencies-mean-we-dont-trust-god.html) Podcast Timestamps: 00:00 Episode Overview 01:48 Listener's Dilemma: Trusting God vs. Financial Preparedness 05:28 Biblical Insights: Matthew 6:26 08:10 Today’s Gratitude Statement 08:35 Personal Journey: Lessons from Two Financial Extremes 15:20 Practical Steps: Finding Balance Between Faith and Finances 23:30 Visit [https://www.askralphpodcast.com/blog/] (https://www.askralphpodcast.com/blog/) for Free Financial Resources 23:51 Reflection Questions 27:20 Final Thoughts Takeaways: --- Being financially responsible does not equate to a lack of faith in God. --- Wise stewardship can be an expression of faith, blending financial responsibility with trust. --- Planning for emergencies can coexist with trusting God for daily provision and care. --- Your unique financial story, shaped by experiences, prepares you for greater purposes. --- Grounding yourself in scripture helps combat feelings of guilt regarding wealth and savings. --- Engaging in practical steps for balance is essential for integrating faith and finances. Links referenced in this episode: ---Ask Ralph Insiders Community [https://mailchi.mp/askralph.com/group] (https://mailchi.mp/askralph.com/group) ---Ask Ralph Show Live [https://] (https://justaskralph.com/) [askralphpodcast.com/live] (http://askralphpodcast.com/live) ---What is your question that you would like to ask Ralph? Send Your Question here: [https://justaskralph.com/] (https://justaskralph.com/) ---Join our email list and get a free copy of “Mastering Your Finances” at [https://askralph.com/] (https://askralph.com/) [LISTEN NOW] (https://www.askralphpodcast.com/) [WATCH NOW ON YOUTUBE] (https://www.youtube.com/channel/UC1ZyJLydWUPqYaF2mS1l1Yg) (OUR VIDEO VERSION) [WATCH NOW ON RUMBLE] (https://rumble.com/c/ASKRALPHPODCAST) (OUR VIDEO VERSION) [VISIT OUR ASK RALPH SHOW GEAR STORE] (https://askralph-shop.fourthwall.com/?source=dashboard) FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" [JOIN OUR FACEBOOK INSIDERS GROUP] (https://www.facebook.com/share/W39nbmnKqtgqr9om/?mibextid=K35XfP) [SUPPORT THE SHOW] (https://ASKRALPHPODCAST.COM/SUPPORT) Please share our Podcast with all your friends and family! Submit your questions or ideas for future shows - email us at [ralph@askralph.com] (mailto:ralph@askralph.com) or leave a voicemail message on our podcast page [Leave A Voicemail Message] (https://www.askralphpodcast.com/) Like us on Facebook and follow us on Facebook at [https://www.facebook.com/askralphmedia] (https://www.facebook.com/askralphmedia) Twitter (@askralphmedia) or visit [www.askralphpodcast.com] (https://www.askralphpodcast.com/) for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to [www.askralph.com] (https://www.askralph.com/) for more information! Buy Ralph's Book - Mastering Your Finances! on [Amazon] (https://www.amazon.com/MASTERING-YOUR-FINANCES-Comprehensive-Financial/dp/B0CN5Q9PSJ/ref=sr_1_1?crid=3T7LBW5MT5G0L&keywords=ralph+estep&qid=1702750208&sprefix=ralph+estep%2Caps%2C90&sr=8-1) Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journeyon [Amazon] (https://a.co/d/1AUENOB) ... Read more

20 Jan 2025

29 MINS

29:08

20 Jan 2025

#627

How do I find peace with God?

How do you find genuine peace with God amidst the chaos of financial success? This episode delves into the transformative journey of individuals like Michael, who, despite achieving impressive business milestones, grapple with an overwhelming sense of emptiness. Through the story of David, a successful entrepreneur who discovered that true fulfillment comes from aligning business practices with spiritual values, listeners are encouraged to embrace purpose-driven entrepreneurship. The discussion highlights practical steps, such as starting each day with prayer and establishing a faith-based support system, to cultivate a deeper connection with God while managing business challenges. Tune in as we explore how integrating faith into your work can lead not only to spiritual growth and unexpected business success but also to lasting peace with God. [Read today's blog article] (https://www.askralphpodcast.com/blog/practical-steps-peace-with-god/) [Check out the full podcast episode here] (https://rumble.com/v69c2yd-how-do-i-find-peace-with-god.html) Podcast Timestamps: 00:00 Episode Overview 02:42 Listener’s Question 04:58 David's Journey to Spiritual Awakening 08:33 Biblical Verse 11:45 My Gratitude Statement 19:07 Three Transformative Steps for Entrepreneurs 28:13 Visit [https://www.askralphpodcast.com/blog/] (https://www.askralphpodcast.com/blog/) for Free Financial Resources 28:40 Call to Action 32:16 Reflection Questions 33:52 Prayer 36:17 Closing Takeaways: --- Finding peace with God can significantly transform your approach to business and finances. --- True entrepreneurial purpose integrates spiritual fulfillment with financial success, rather than opposing each other. --- Establish daily practices like prayer and scripture reading to align your business decisions with faith. --- Building a support system of fellow Christian entrepreneurs provides both accountability and encouragement during challenges. --- Viewing your business as a ministry can shift your focus from profit to purpose, leading to fulfillment. --- Reflect on your life to identify areas where you need to surrender control to God. Links referenced in this episode: ---Gospel of Entrepreneurship Book [https://] (https://justaskralph.com/) [askralphpodcast.com/gospel] (http://askralphpodcast.com/gospel) ---Ask Ralph Insiders Community [https://mailchi.mp/askralph.com/group] (https://mailchi.mp/askralph.com/group) ---Ask Ralph Show Live [https://] (https://justaskralph.com/) [askralphpodcast.com/live] (http://askralphpodcast.com/live) ---What is your question that you would like to ask Ralph? Send Your Question here: [https://justaskralph.com/] (https://justaskralph.com/) ---Join our email list and get a free copy of “Mastering Your Finances” at [https://askralph.com/] (https://askralph.com/) [LISTEN NOW] (https://www.askralphpodcast.com/) [WATCH NOW ON YOUTUBE] (https://www.youtube.com/channel/UC1ZyJLydWUPqYaF2mS1l1Yg) (OUR VIDEO VERSION) [WATCH NOW ON RUMBLE] (https://rumble.com/c/ASKRALPHPODCAST) (OUR VIDEO VERSION) [VISIT OUR ASK RALPH SHOW GEAR STORE] (https://askralph-shop.fourthwall.com/?source=dashboard) FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" [JOIN OUR FACEBOOK INSIDERS GROUP] (https://www.facebook.com/share/W39nbmnKqtgqr9om/?mibextid=K35XfP) [SUPPORT THE SHOW] (https://ASKRALPHPODCAST.COM/SUPPORT) Please share our Podcast with all your friends and family! Submit your questions or ideas for future shows - email us at [ralph@askralph.com] (mailto:ralph@askralph.com) or leave a voicemail message on our podcast page [Leave A Voicemail Message] (https://www.askralphpodcast.com/) Like us on Facebook and follow us on Facebook at [https://www.facebook.com/askralphmedia] (https://www.facebook.com/askralphmedia) Twitter (@askralphmedia) or visit [www.askralphpodcast.com] (https://www.askralphpodcast.com/) for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to [www.askralph.com] (https://www.askralph.com/) for more information! Buy Ralph's Book - Mastering Your Finances! on [Amazon] (https://www.amazon.com/MASTERING-YOUR-FINANCES-Comprehensive-Financial/dp/B0CN5Q9PSJ/ref=sr_1_1?crid=3T7LBW5MT5G0L&keywords=ralph+estep&qid=1702750208&sprefix=ralph+estep%2Caps%2C90&sr=8-1) Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journeyon [Amazon] (https://a.co/d/1AUENOB) ... Read more

19 Jan 2025

37 MINS

37:50

19 Jan 2025

#626

Help! I Just Got a 1099 - What Is It and What Do I Do Now?

Are you feeling overwhelmed by tax obligations as a freelancer? This episode dives into the concerns of Angie's journey as a new freelance graphic designer facing the anxiety of tax responsibilities, particularly after receiving multiple 1099 forms. Ralph Estep Jr. offers practical advice on managing finances, including how to handle deductions, the importance of setting aside money for taxes, and the value of seeking professional help. The discussion also clarifies the crucial differences between tax credits and deductions, explaining why a tax credit is generally far more beneficial than a deduction. Tune in for insights that align financial decision-making with biblical principles, ensuring you're not only compliant but also finding peace of mind in your financial journey—especially if you just got a 1099. [Read today's blog article] (https://www.askralphpodcast.com/blog/you-handle-a-1099-form-a-complete-guide/) [Check out the full podcast episode here] (https://rumble.com/v69pwxg-help-i-just-got-a-1099-what-is-it-and-what-do-i-do-now.html#) Podcast Timestamps: 00:00 Episode Overview 01:45 Bible Verse 02:26 Gratitude Statement 03:16 Listener’s Question 06:40 Practical Steps for Freelancers 15:08 Listener’s Question #2 16:28 Single Parent Tax Benefits 23:25 Action Steps for Custody and Tax Documentation 25:32 Listener’s Question #3 26:24 Tax Credits vs. Tax Deductions: Understanding the Difference 27:16 Tax Credits: The Heavyweight Champions 28:22 Tax Deductions: Discounts on Taxable Income 31:34 Strategic Tax Planning: Credits and Deductions 34:37 Saggio Management Group: Your Financial Ally 38:18 Closing Thoughts Takeaways: --- Managing finances involves both practical steps and spiritual integrity, as discussed by Ralph. --- Freelancers must understand their tax obligations, including the importance of 1099 forms. --- It's crucial to differentiate between tax credits and deductions, as they impact savings. --- Setting aside 25 to 35% of income for taxes can prevent financial stress later. --- Organizing financial documents and receipts is key to successful tax preparation. --- Seeking professional help for tax issues can provide peace of mind and clarity. Links referenced in this episode: --- [askralphpodcast.com/taxprep] (https://askralphpodcast.com/taxprep) ---Ask Ralph Insiders Community [https://mailchi.mp/askralph.com/group] (https://mailchi.mp/askralph.com/group) ---Ask Ralph Show Live [https://] (https://justaskralph.com/) [askralphpodcast.com/live] (http://askralphpodcast.com/live) ---What is your question that you would like to ask Ralph? Send Your Question here: [https://justaskralph.com/] (https://justaskralph.com/) ---Join our email list and get a free copy of “Mastering Your Finances” at [https://askralph.com/] (https://askralph.com/) Companies mentioned in this episode: --- QuickBooks --- Intuit [LISTEN NOW] (https://www.askralphpodcast.com/) [WATCH NOW ON YOUTUBE] (https://www.youtube.com/channel/UC1ZyJLydWUPqYaF2mS1l1Yg) (OUR VIDEO VERSION) [WATCH NOW ON RUMBLE] (https://rumble.com/c/ASKRALPHPODCAST) (OUR VIDEO VERSION) [VISIT OUR ASK RALPH SHOW GEAR STORE] (https://askralph-shop.fourthwall.com/?source=dashboard) FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" [JOIN OUR FACEBOOK INSIDERS GROUP] (https://www.facebook.com/share/W39nbmnKqtgqr9om/?mibextid=K35XfP) [SUPPORT THE SHOW] (https://ASKRALPHPODCAST.COM/SUPPORT) Please share our Podcast with all your friends and family! Submit your questions or ideas for future shows - email us at [ralph@askralph.com] (mailto:ralph@askralph.com) or leave a voicemail message on our podcast page [Leave A Voicemail Message] (https://www.askralphpodcast.com/) Like us on Facebook and follow us on Facebook at [https://www.facebook.com/askralphmedia] (https://www.facebook.com/askralphmedia) Twitter (@askralphmedia) or visit [www.askralphpodcast.com] (https://www.askralphpodcast.com/) for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to [www.askralph.com] (https://www.askralph.com/) for more information! Buy Ralph's Book - Mastering Your Finances! on [Amazon] (https://www.amazon.com/MASTERING-YOUR-FINANCES-Comprehensive-Financial/dp/B0CN5Q9PSJ/ref=sr_1_1?crid=3T7LBW5MT5G0L&keywords=ralph+estep&qid=1702750208&sprefix=ralph+estep%2Caps%2C90&sr=8-1) Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journeyon [Amazon] (https://a.co/d/1AUENOB) ... Read more

18 Jan 2025

40 MINS

40:14

18 Jan 2025

#625

How do I teach my children about biblical money principles?

Are you worried your children might repeat the same financial mistakes you made growing up? Ralph Estep Jr. addresses this common concern by sharing effective strategies for teaching children biblical money principles that can foster lifelong financial responsibility. He emphasizes that understanding money management isn’t just about numbers—it's about creating a legacy that impacts future generations. Through a heartfelt listener question from Ingrid, who fears her daughter’s materialistic tendencies, Ralph explores the importance of aligning financial decisions with faith and values. With practical advice on earning, saving, spending, and giving, this episode aims to equip parents with the tools to teach their children about biblical money principles and instill sound financial habits while navigating today’s materialistic culture. [Read today's blog article] (https://www.askralphpodcast.com/blog/raise-kids-understand-financial-values/) [Check out the full podcast here] (https://rumble.com/v68w44m-how-do-i-teach-my-children-about-biblical-money-principles.html) Podcast Timestamps: 00:00 Episode Overview 02:55 Listener Question: Ingrid's Struggle 07:22 Bible Verse 10:12 My Gratitude Statement 11:18 Statistic About Youth And Materialism 13:23 Personal Story: The Claw Machine Incident 18:34 The Four Components of Money Management 27:43 Visit [https://www.askralphpodcast.com/blog/] (https://www.askralphpodcast.com/blog/) for Free Financial Resources 28:07 Call to Action 31:07 Reflection Questions 32:51 Conclusion Takeaways: --- Teaching children biblical money principles fosters a legacy that impacts future generations. --- Starting early with money concepts, like piggy banks, helps children understand finances. --- Parents can model financial responsibility by discussing budgeting and sharing successes and setbacks. --- Involving kids in financial decisions encourages understanding of budgeting and responsible spending. --- Using interactive tools, like money games, can make financial learning fun for children. --- Encouraging charitable giving helps children learn the importance of stewardship over materialism. Links referenced in this episode: ---Ask Ralph Insiders Community [https://mailchi.mp/askralph.com/group] (https://mailchi.mp/askralph.com/group) ---Ask Ralph Show Live [https://] (https://justaskralph.com/) [askralphpodcast.com/live] (http://askralphpodcast.com/live) ---What is your question that you would like to ask Ralph? Send Your Question here: [https://justaskralph.com/] (https://justaskralph.com/) ---Join our email list and get a free copy of “Mastering Your Finances” at [https://askralph.com/] (https://askralph.com/) --- [https://www.askralphpodcast.com/blog/] (https://www.askralphpodcast.com/blog/) [LISTEN NOW] (https://www.askralphpodcast.com/) [WATCH NOW ON YOUTUBE] (https://www.youtube.com/channel/UC1ZyJLydWUPqYaF2mS1l1Yg) (OUR VIDEO VERSION) [WATCH NOW ON RUMBLE] (https://rumble.com/c/ASKRALPHPODCAST) (OUR VIDEO VERSION) [VISIT OUR ASK RALPH SHOW GEAR STORE] (https://askralph-shop.fourthwall.com/?source=dashboard) FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" [JOIN OUR FACEBOOK INSIDERS GROUP] (https://www.facebook.com/share/W39nbmnKqtgqr9om/?mibextid=K35XfP) [SUPPORT THE SHOW] (https://ASKRALPHPODCAST.COM/SUPPORT) Please share our Podcast with all your friends and family! Submit your questions or ideas for future shows - email us at [ralph@askralph.com] (mailto:ralph@askralph.com) or leave a voicemail message on our podcast page [Leave A Voicemail Message] (https://www.askralphpodcast.com/) Like us on Facebook and follow us on Facebook at [https://www.facebook.com/askralphmedia] (https://www.facebook.com/askralphmedia) Twitter (@askralphmedia) or visit [www.askralphpodcast.com] (https://www.askralphpodcast.com/) for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to [www.askralph.com] (https://www.askralph.com/) for more information! Buy Ralph's Book - Mastering Your Finances! on [Amazon] (https://www.amazon.com/MASTERING-YOUR-FINANCES-Comprehensive-Financial/dp/B0CN5Q9PSJ/ref=sr_1_1?crid=3T7LBW5MT5G0L&keywords=ralph+estep&qid=1702750208&sprefix=ralph+estep%2Caps%2C90&sr=8-1) Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journeyon [Amazon] (https://a.co/d/1AUENOB) ... Read more

17 Jan 2025

34 MINS

34:30

17 Jan 2025

#624

Do I have to pay taxes when I sell my home?

Are you worried about a hefty tax bill after selling your home? Ralph Estep Jr. addresses this common concern by sharing the inspiring story of his client, Patrick, who transitioned from panic to peace upon discovering the truth about home sales taxes. Ralph emphasizes the importance of understanding capital gains tax exemptions and illustrates how proper planning can save you significant amounts of money. He also highlights the critical role of documenting home improvements, which can substantially increase your cost basis and minimize tax liability. With practical advice and relatable anecdotes, Ralph encourages listeners to seek wise counsel and take control of their financial futures while navigating the emotional complexities of selling a home—even if you're asking yourself, "Will I have to pay taxes when I sell my home?" [Read today's blog article] (https://www.askralphpodcast.com/blog/minimize-taxes-when-selling-my-house/) [Check out the full podcast episode] (https://rumble.com/v67ye9v-do-i-have-to-pay-taxes-when-i-sell-my-home.html) Podcast Timestamps: 00:00 Episode Overview 02:10 Listener Question: Ginny's Dilemma 06:07 Biblical Wisdom for Financial Decisions 08:35 Gratitude Statement 08:56 Client Story: Patrick and Beth's Tax Relief 13:40 Understanding Capital Gains and Exclusions 18:04 State-Level Tax Considerations 21:13 Lessons Learned and Practical Advice 23:35 Visit [https://www.askralphpodcast.com/blog/] (https://www.askralphpodcast.com/blog/) for Free Financial Resources 23:51 Call to Action - Book a Call with Ralph! 27:31 Reflection Questions 28:22 Action Steps To Safeguard Your Financial Future When Selling Your Home 30:43 Conclusion Takeaways: --- Understanding the capital gains tax implications when selling your home is crucial to safeguarding your financial future. --- Keep meticulous records of home improvements, as they can significantly reduce your tax liability. --- Consulting with financial experts can alleviate anxiety and prevent costly mistakes during home sales. --- The primary residence exclusion allows married couples to exclude up to $500,000 in capital gains. --- Don't rely solely on family advice; seek multiple qualified advisors for sound financial decisions. --- Planning ahead for potential home sales can lead to better financial outcomes and reduced tax burdens. Links referenced in this episode: ---Ask Ralph Insiders Community --- [https://mailchi.mp/askralph.com/group] (https://mailchi.mp/askralph.com/group) ---Ask Ralph Show Live [https://] (https://justaskralph.com/) [askralphpodcast.com/live] (http://askralphpodcast.com/live) ---What is your question that you would like to ask Ralph? Send Your Question here: [https://justaskralph.com/] (https://justaskralph.com/) ---Join our email list and get a free copy of “Mastering Your Finances” at [https://askralph.com/] (https://askralph.com/) [LISTEN NOW] (https://www.askralphpodcast.com/) [WATCH NOW ON YOUTUBE] (https://www.youtube.com/channel/UC1ZyJLydWUPqYaF2mS1l1Yg) (OUR VIDEO VERSION) [WATCH NOW ON RUMBLE] (https://rumble.com/c/ASKRALPHPODCAST) (OUR VIDEO VERSION) [VISIT OUR ASK RALPH SHOW GEAR STORE] (https://askralph-shop.fourthwall.com/?source=dashboard) FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" [JOIN OUR FACEBOOK INSIDERS GROUP] (https://www.facebook.com/share/W39nbmnKqtgqr9om/?mibextid=K35XfP) [SUPPORT THE SHOW] (https://ASKRALPHPODCAST.COM/SUPPORT) Please share our Podcast with all your friends and family! Submit your questions or ideas for future shows - email us at [ralph@askralph.com] (mailto:ralph@askralph.com) or leave a voicemail message on our podcast page [Leave A Voicemail Message] (https://www.askralphpodcast.com/) Like us on Facebook and follow us on Facebook at [https://www.facebook.com/askralphmedia] (https://www.facebook.com/askralphmedia) Twitter (@askralphmedia) or visit [www.askralphpodcast.com] (https://www.askralphpodcast.com/) for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to [www.askralph.com] (https://www.askralph.com/) for more information! Buy Ralph's Book - Mastering Your Finances! on [Amazon] (https://www.amazon.com/MASTERING-YOUR-FINANCES-Comprehensive-Financial/dp/B0CN5Q9PSJ/ref=sr_1_1?crid=3T7LBW5MT5G0L&keywords=ralph+estep&qid=1702750208&sprefix=ralph+estep%2Caps%2C90&sr=8-1) Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journeyon [Amazon] (https://a.co/d/1AUENOB) ... Read more

16 Jan 2025

32 MINS

32:25

16 Jan 2025

#623

I spent too much at Christmas - how do I pay down my credit card debt?

Are you struggling with the financial aftermath of holiday spending? Ralph Estep Jr. shares the inspiring story of Henry, who turned his $10,000 credit card debt into a debt-free success in just ten months. This episode delves into the emotional stress of overwhelming debt and provides practical strategies for tackling credit card bills, creating a realistic budget, and finding hope during financial challenges. Ralph highlights the importance of aligning your spending with your values and incorporating faith into your financial decisions. Tune in as Ralph shares actionable steps to take control of your finances, achieve lasting freedom, and confidently work toward paying down your credit card debt. [Read today's blog article] (https://www.askralphpodcast.com/blog/regain-financial-stability-christmas/) [Check out the full podcast episode here] (https://rumble.com/v67lhl4-i-spent-too-much-at-christmas-how-do-i-pay-down-my-credit-card-debt.html) Podcast Timestamps: 00:00 Episode Overview 01:52 Listener's Heartfelt Question 06:18 Bible Verse: Hebrews 13:5 07:03 Gratitude Statement 07:43 Henry's Debt-Free Journey 14:55 Debt Freedom Plan 27:35 Visit [https://www.askralphpodcast.com/blog/] (https://www.askralphpodcast.com/blog/) for Free Financial Resources 27:50 Call to Action 33:07 Reflection Questions 33:54 Action Steps 35:21 Conclusion Takeaways: --- The emotional burden of credit card debt can often feel overwhelming, but there is hope. --- Creating a structured budget is essential for managing expenses and achieving debt freedom. --- Building an emergency fund protects against unexpected financial challenges and reduces stress. --- Communication with family members about financial struggles can help alleviate feelings of isolation. --- Finding ways to increase income, such as freelancing or side jobs, can accelerate debt repayment. --- Celebrating small financial milestones can motivate you to stay on track toward your goals. Links referenced in this episode: ---Ask Ralph Insiders Community [https://mailchi.mp/askralph.com/group] (https://mailchi.mp/askralph.com/group) ---Ask Ralph Show Live [https://] (https://justaskralph.com/) [askralphpodcast.com/live] (http://askralphpodcast.com/live) ---What is your question that you would like to ask Ralph? Send Your Question here: [https://justaskralph.com/] (https://justaskralph.com/) ---Join our email list and get a free copy of “Mastering Your Finances” at [https://askralph.com/] (https://askralph.com/) [LISTEN NOW] (https://www.askralphpodcast.com/) [WATCH NOW ON YOUTUBE] (https://www.youtube.com/channel/UC1ZyJLydWUPqYaF2mS1l1Yg) (OUR VIDEO VERSION) [WATCH NOW ON RUMBLE] (https://rumble.com/c/ASKRALPHPODCAST) (OUR VIDEO VERSION) [VISIT OUR ASK RALPH SHOW GEAR STORE] (https://askralph-shop.fourthwall.com/?source=dashboard) FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" [JOIN OUR FACEBOOK INSIDERS GROUP] (https://www.facebook.com/share/W39nbmnKqtgqr9om/?mibextid=K35XfP) [SUPPORT THE SHOW] (https://ASKRALPHPODCAST.COM/SUPPORT) Please share our Podcast with all your friends and family! Submit your questions or ideas for future shows - email us at [ralph@askralph.com] (mailto:ralph@askralph.com) or leave a voicemail message on our podcast page [Leave A Voicemail Message] (https://www.askralphpodcast.com/) Like us on Facebook and follow us on Facebook at [https://www.facebook.com/askralphmedia] (https://www.facebook.com/askralphmedia) Twitter (@askralphmedia) or visit [www.askralphpodcast.com] (https://www.askralphpodcast.com/) for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to [www.askralph.com] (https://www.askralph.com/) for more information! Buy Ralph's Book - Mastering Your Finances! on [Amazon] (https://www.amazon.com/MASTERING-YOUR-FINANCES-Comprehensive-Financial/dp/B0CN5Q9PSJ/ref=sr_1_1?crid=3T7LBW5MT5G0L&keywords=ralph+estep&qid=1702750208&sprefix=ralph+estep%2Caps%2C90&sr=8-1) Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journeyon [Amazon] (https://a.co/d/1AUENOB) ... Read more

15 Jan 2025

36 MINS

36:49

15 Jan 2025

#622

What is a tax refund loan and why are they such a terrible idea?

Are you considering a tax refund loan because of urgent financial needs? Before you take that leap, it's crucial to understand why these loans can be a costly mistake. Host Ralph Estep Jr. dives deep into the predatory nature of tax refund loans, revealing how they often come with hidden fees that can lead you into a cycle of debt. He shares poignant stories, including that of a listener named Jessica, who is grappling with unexpected expenses and feels pressured to make a hasty decision. With practical advice and biblical wisdom, Ralph encourages listeners to explore healthier financial alternatives and emphasizes the importance of patience and discernment in money management, reminding them that a tax refund loan isn’t worth the long-term financial burden it may create. [Read today's blog article] (https://www.askralphpodcast.com/blog/tax-refund-loan-finances/) [Check out the full podcast episode here] (https://rumble.com/v67i60j-what-is-a-tax-refund-loan-and-why-are-they-such-a-terrible-idea.html) Podcast Timestamps: 00:00 Episode Overview 01:46 Listener Question: Jessica's Dilemma 04:46 Bible Verse: Isaiah 48:17 06:30 Gratitude Statement 06:50 Tom's Story: A Cautionary Tale 11:43 Understanding Tax Refund Loans 19:53 Visit [https://www.askralphpodcast.com/blog/] (https://www.askralphpodcast.com/blog/) for Free Financial Resources 20:16 Call to Action 23:49 Reflection Questions 24:59 Action Steps 28:09 Conclusion Takeaways: --- Tax refund loans often come with hidden fees that can cost you significantly more than waiting for your actual refund. --- It’s crucial to assess your financial situation carefully before opting for quick cash solutions like tax refund loans. --- Building an emergency fund is essential to avoid financial desperation during unexpected expenses, such as medical emergencies. --- Relying on tax refund advances can lead to a cycle of dependency and increased financial stress for struggling families. --- Understanding the true costs of tax preparation services can help you make more informed decisions when filing your taxes. --- Using direct deposit for your tax refund is not only faster but also more secure than receiving a check. Links referenced in this episode: ---Ask Ralph Insiders Community [https://mailchi.mp/askralph.com/group] (https://mailchi.mp/askralph.com/group) ---Ask Ralph Show Live [https://] (https://justaskralph.com/) [askralphpodcast.com/live] (http://askralphpodcast.com/live) ---What is your question that you would like to ask Ralph? Send Your Question here: [https://justaskralph.com/] (https://justaskralph.com/) ---Join our email list and get a free copy of “Mastering Your Finances” at [https://askralph.com/] (https://askralph.com/) --- [askralphpodcast.com/taxprep] (https://askralphpodcast.com/taxprep) Companies mentioned in this episode: --- Liberty University --- Saggio Accounting [LISTEN NOW] (https://www.askralphpodcast.com/) [WATCH NOW ON YOUTUBE] (https://www.youtube.com/channel/UC1ZyJLydWUPqYaF2mS1l1Yg) (OUR VIDEO VERSION) [WATCH NOW ON RUMBLE] (https://rumble.com/c/ASKRALPHPODCAST) (OUR VIDEO VERSION) [VISIT OUR ASK RALPH SHOW GEAR STORE] (https://askralph-shop.fourthwall.com/?source=dashboard) FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" [JOIN OUR FACEBOOK INSIDERS GROUP] (https://www.facebook.com/share/W39nbmnKqtgqr9om/?mibextid=K35XfP) [SUPPORT THE SHOW] (https://ASKRALPHPODCAST.COM/SUPPORT) Please share our Podcast with all your friends and family! Submit your questions or ideas for future shows - email us at [ralph@askralph.com] (mailto:ralph@askralph.com) or leave a voicemail message on our podcast page [Leave A Voicemail Message] (https://www.askralphpodcast.com/) Like us on Facebook and follow us on Facebook at [https://www.facebook.com/askralphmedia] (https://www.facebook.com/askralphmedia) Twitter (@askralphmedia) or visit [www.askralphpodcast.com] (https://www.askralphpodcast.com/) for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to [www.askralph.com] (https://www.askralph.com/) for more information! Buy Ralph's Book - Mastering Your Finances! on [Amazon] (https://www.amazon.com/MASTERING-YOUR-FINANCES-Comprehensive-Financial/dp/B0CN5Q9PSJ/ref=sr_1_1?crid=3T7LBW5MT5G0L&keywords=ralph+estep&qid=1702750208&sprefix=ralph+estep%2Caps%2C90&sr=8-1) Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journeyon [Amazon] (https://a.co/d/1AUENOB) ... Read more

14 Jan 2025

29 MINS

29:34

14 Jan 2025

#621

How will I ever be able to buy a home?

Feeling discouraged by rising home prices and overwhelming debt? You're not alone, and there is hope. Ralph Estep Jr. shares how biblical wisdom and practical financial strategies can help you achieve your dream of homeownership. He addresses the importance of diligence and planning, emphasizing that the journey is just as crucial as the destination. Through inspiring stories of individuals who navigated their own financial challenges, Ralph illustrates how perseverance, faith, and the right guidance can lead to lasting stability and wealth. Join him as he provides actionable steps and resources to help you take control of your finances and move closer to being able to buy a home and achieve financial freedom. [Read today's blog article] (https://www.askralphpodcast.com/blog/finally-buy-a-home-in-todays-market/) [Check out the full podcast episode here] (https://rumble.com/v66x8fd-how-will-i-ever-be-able-to-buy-a-home.html?mref=3fi7u9&mc=5ahkg) Podcast Timestamps: 00:00 Episode Overview 02:00 Listener Question: Kiley's Dilemma 03:53 Biblical Wisdom: Proverbs 21:5 04:35 Gratitude Statement 05:10 Rylie's Story: Overcoming Adversity 14:19 John and Mary Thompson: A Testament to Faith 20:51 Government Programs and Financial Strategies 22:36 Call to Action 24:17 Reflection Questions 25:31 Action Steps 27:40 Visit [https://www.askralphpodcast.com/blog/] (https://www.askralphpodcast.com/blog/) for Free Financial Resources 28:11 Conclusion Takeaways: --- Homeownership is achievable through diligent planning and aligning financial goals with faith. --- Persistent savings and financial education are crucial for navigating rising home prices effectively. --- Seek God's guidance through prayer while pursuing your dream of homeownership. --- Utilizing government programs like FHA and VA loans can ease the path to buying a home. --- Building an emergency fund should be prioritized before focusing on down payment savings. --- Your homeownership journey requires both faith and a solid financial plan to succeed. Links referenced in this episode: ---Ask Ralph Insiders Community [https://mailchi.mp/askralph.com/group] (https://mailchi.mp/askralph.com/group) ---Ask Ralph Show Live [https://] (https://justaskralph.com/) [askralphpodcast.com/live] (http://askralphpodcast.com/live) ---What is your question that you would like to ask Ralph? Send Your Question here: [https://justaskralph.com/] (https://justaskralph.com/) ---Join our email list and get a free copy of “Mastering Your Finances” at [https://askralph.com/] (https://askralph.com/) Companies mentioned in this episode: --- Department of Veterans Affairs --- US Department of Agriculture [LISTEN NOW] (https://www.askralphpodcast.com/) [WATCH NOW ON YOUTUBE] (https://www.youtube.com/channel/UC1ZyJLydWUPqYaF2mS1l1Yg) (OUR VIDEO VERSION) [WATCH NOW ON RUMBLE] (https://rumble.com/c/ASKRALPHPODCAST) (OUR VIDEO VERSION) [VISIT OUR ASK RALPH SHOW GEAR STORE] (https://askralph-shop.fourthwall.com/?source=dashboard) FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" [JOIN OUR FACEBOOK INSIDERS GROUP] (https://www.facebook.com/share/W39nbmnKqtgqr9om/?mibextid=K35XfP) [SUPPORT THE SHOW] (https://ASKRALPHPODCAST.COM/SUPPORT) Please share our Podcast with all your friends and family! Submit your questions or ideas for future shows - email us at [ralph@askralph.com] (mailto:ralph@askralph.com) or leave a voicemail message on our podcast page [Leave A Voicemail Message] (https://www.askralphpodcast.com/) Like us on Facebook and follow us on Facebook at [https://www.facebook.com/askralphmedia] (https://www.facebook.com/askralphmedia) Twitter (@askralphmedia) or visit [www.askralphpodcast.com] (https://www.askralphpodcast.com/) for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to [www.askralph.com] (https://www.askralph.com/) for more information! Buy Ralph's Book - Mastering Your Finances! on [Amazon] (https://www.amazon.com/MASTERING-YOUR-FINANCES-Comprehensive-Financial/dp/B0CN5Q9PSJ/ref=sr_1_1?crid=3T7LBW5MT5G0L&keywords=ralph+estep&qid=1702750208&sprefix=ralph+estep%2Caps%2C90&sr=8-1) Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journeyon [Amazon] (https://a.co/d/1AUENOB) ... Read more

13 Jan 2025

29 MINS

29:18

13 Jan 2025

#620

Should Christians invest in the stock market?

Are you grappling with the idea of investing in the stock market while staying true to your Christian values? Ralph Estep Jr. dives into this pressing concern, addressing the common misconception that investing equates to gambling. Through the heartfelt story of his client Rosa, he illustrates how faith can harmonize with financial stewardship, empowering believers to secure their futures without compromising their beliefs. Ralph emphasizes the biblical principles of wise planning and stewardship, reminding listeners that God expects us to manage our resources responsibly. Join him as he unpacks practical steps for investing ethically, balancing risk and faith, and ultimately finding peace in financial decisions that honor God—while answering the question: Should Christians invest in the stock market? [Read today's blog article] (https://www.askralphpodcast.com/blog/christians-invest-responsibly-faithfully/) [Check out the full podcast episode ] (https://rumble.com/v66ukfy-should-christians-invest-in-the-stock-market.html?mref=3fi7u9&mrefc=9) Podcast Timestamps: 00:00 Episode Overview 01:38 Listener Question: Is Investing in the Stock Market Gambling? 02:17 Biblical Principles on Stewardship 02:57 Gratitude Statement 03:23 Rosa's Story: Faith vs. Financial Reality 09:15 Key Message for Today 09:50 Ralph's Thoughts on Whether Christians Should Invest in the Stock Market 13:26 Historical Examples of Christian Investors 14:46 Practical Steps for Christian Investors 18:44 Visit [https://www.askralphpodcast.com/blog/] (https://www.askralphpodcast.com/blog/) for Free Financial Resources 19:03 Call to Action: Join the Live Community 22:41 Reflection Questions 23:47 Action Steps Christian Investors Can Take 25:28 Conclusion Takeaways: --- Investing in the stock market can align with Christian values when done responsibly. --- Fear of dishonoring God should not prevent Christians from being wise stewards. --- Biblical principles emphasize the importance of planning and stewardship in financial decisions. --- Investing wisely can secure a better financial future while honoring one's faith. --- Avoid equating investing with gambling; it is about value creation and responsible planning. --- True financial security is rooted in faith, not merely in material possessions. Links referenced in this episode: ---Ask Ralph Insiders Community [https://mailchi.mp/askralph.com/group] (https://mailchi.mp/askralph.com/group) ---Ask Ralph Show Live [https://] (https://justaskralph.com/) [askralphpodcast.com/live] (http://askralphpodcast.com/live) ---What is your question that you would like to ask Ralph? Send Your Question here: [https://justaskralph.com/] (https://justaskralph.com/) ---Join our email list and get a free copy of “Mastering Your Finances” at [https://askralph.com/] (https://askralph.com/) [LISTEN NOW] (https://www.askralphpodcast.com/) [WATCH NOW ON YOUTUBE] (https://www.youtube.com/channel/UC1ZyJLydWUPqYaF2mS1l1Yg) (OUR VIDEO VERSION) [WATCH NOW ON RUMBLE] (https://rumble.com/c/ASKRALPHPODCAST) (OUR VIDEO VERSION) [VISIT OUR ASK RALPH SHOW GEAR STORE] (https://askralph-shop.fourthwall.com/?source=dashboard) FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" [JOIN OUR FACEBOOK INSIDERS GROUP] (https://www.facebook.com/share/W39nbmnKqtgqr9om/?mibextid=K35XfP) [SUPPORT THE SHOW] (https://ASKRALPHPODCAST.COM/SUPPORT) Please share our Podcast with all your friends and family! Submit your questions or ideas for future shows - email us at [ralph@askralph.com] (mailto:ralph@askralph.com) or leave a voicemail message on our podcast page [Leave A Voicemail Message] (https://www.askralphpodcast.com/) Like us on Facebook and follow us on Facebook at [https://www.facebook.com/askralphmedia] (https://www.facebook.com/askralphmedia) Twitter (@askralphmedia) or visit [www.askralphpodcast.com] (https://www.askralphpodcast.com/) for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to [www.askralph.com] (https://www.askralph.com/) for more information! Buy Ralph's Book - Mastering Your Finances! on [Amazon] (https://www.amazon.com/MASTERING-YOUR-FINANCES-Comprehensive-Financial/dp/B0CN5Q9PSJ/ref=sr_1_1?crid=3T7LBW5MT5G0L&keywords=ralph+estep&qid=1702750208&sprefix=ralph+estep%2Caps%2C90&sr=8-1) Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journeyon [Amazon] (https://a.co/d/1AUENOB) ... Read more

12 Jan 2025

26 MINS

26:59

12 Jan 2025

#619

Why should I wait until 70 to collect social security?

This episode tackles critical financial questions that many listeners are grappling with, including the timing of Social Security benefits and the nuances of tithing on tax refunds. Ralph Estep, Jr. shares a compelling case study of a client named Martha, who faced a similar retirement dilemma as a viewer named Sarah, emphasizing the importance of personalized decision-making based on health and financial stability. The discussion also dives into the theological implications of tithing, particularly whether one should tithe on a tax refund, exploring both sides of the argument and encouraging listeners to reflect on their personal convictions. Furthermore, the episode sheds light on tax obligations for gig economy workers, stressing the necessity of keeping detailed records and making quarterly tax payments to avoid penalties. With practical advice and biblical wisdom, Ralph aims to empower listeners to take control of their finances, make informed decisions about when to collect Social Security, and align their financial choices with their faith. [Read today's blog article] (https://www.askralphpodcast.com/blog/collecting-social-security-benefits/) [Check out the full podcast episode] (https://rumble.com/v6764da-why-should-i-wait-until-70-to-collect-social-security.html?mref=3fi7u9&mrefc=2) Podcast Timestamps: 00:00 Episode Overview 02:00 Bible Verse - Ecclesiastes 7:8 02:41 Gratitude Statement 03:14 Listener’s Question: Social Security Dilemma 08:41 Visit [https://www.askralphpodcast.com/blog/] (https://www.askralphpodcast.com/blog/) for Free Financial Resources 09:09 Listener’s Question: Tithing on Tax Refunds 17:40 Listener’s Question: Tax Obligations for Gig Workers 28:14 Call to Action 32:04 Weekly Drawing of $100 Amazon Gift Card 38:20 Closing Takeaways: --- Social Security decisions should be personalized based on health, savings, and family history. --- Consider the implications of tithing on tax refunds and how it relates to your income. --- It's essential to track all income and expenses, especially for side gigs like delivery services. --- Understanding self-employment tax can significantly impact your overall tax liability and planning. --- When considering retirement, patience can lead to greater financial rewards in the long run. --- Engaging with a financial advisor can help navigate complex tax situations and avoid penalties. Links referenced in this episode: ---Ask Ralph Insiders Community [https://mailchi.mp/askralph.com/group] (https://mailchi.mp/askralph.com/group) ---Ask Ralph Show Live [https://] (https://justaskralph.com/) [askralphpodcast.com/live] (http://askralphpodcast.com/live) ---What is your question that you would like to ask Ralph? Send Your Question here: [https://justaskralph.com/] (https://justaskralph.com/) ---Join our email list and get a free copy of “Mastering Your Finances” at [https://askralph.com/] (https://askralph.com/) Companies mentioned in this episode: --- Amazon --- Uber --- DoorDash [LISTEN NOW] (https://www.askralphpodcast.com/) [WATCH NOW ON YOUTUBE] (https://www.youtube.com/channel/UC1ZyJLydWUPqYaF2mS1l1Yg) (OUR VIDEO VERSION) [WATCH NOW ON RUMBLE] (https://rumble.com/c/ASKRALPHPODCAST) (OUR VIDEO VERSION) [VISIT OUR ASK RALPH SHOW GEAR STORE] (https://askralph-shop.fourthwall.com/?source=dashboard) FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" [JOIN OUR FACEBOOK INSIDERS GROUP] (https://www.facebook.com/share/W39nbmnKqtgqr9om/?mibextid=K35XfP) [SUPPORT THE SHOW] (https://ASKRALPHPODCAST.COM/SUPPORT) Please share our Podcast with all your friends and family! Submit your questions or ideas for future shows - email us at [ralph@askralph.com] (mailto:ralph@askralph.com) or leave a voicemail message on our podcast page [Leave A Voicemail Message] (https://www.askralphpodcast.com/) Like us on Facebook and follow us on Facebook at [https://www.facebook.com/askralphmedia] (https://www.facebook.com/askralphmedia) Twitter (@askralphmedia) or visit [www.askralphpodcast.com] (https://www.askralphpodcast.com/) for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to [www.askralph.com] (https://www.askralph.com/) for more information! Buy Ralph's Book - Mastering Your Finances! on [Amazon] (https://www.amazon.com/MASTERING-YOUR-FINANCES-Comprehensive-Financial/dp/B0CN5Q9PSJ/ref=sr_1_1?crid=3T7LBW5MT5G0L&keywords=ralph+estep&qid=1702750208&sprefix=ralph+estep%2Caps%2C90&sr=8-1) Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journeyon [Amazon] (https://a.co/d/1AUENOB) ... Read more

11 Jan 2025

40 MINS

40:11

11 Jan 2025

#618

What are ways to distribute wealth to my heirs to prevent tax issues?

Are you worried about how to pass your wealth to your children without losing a significant portion to taxes? Ralph Estep tackles this pressing concern in today's show, offering smart strategies for tax-efficient wealth distribution rooted in Christian principles. He shares a compelling question from his friend Bob, who is uncertain about how to effectively transfer his assets among his three children. The episode highlights the importance of proactive estate planning, including the potential benefits of annual gifting and setting up irrevocable trusts. Through a relatable story about a client named Tom, Ralph emphasizes that estate planning is not just about money but also about leaving a legacy of faith and service for future generations. Tune in for insights that could help you navigate your own financial legacy, prevent tax issues, and ensure it aligns with your values. [Read today’s blog article] (https://www.askralphpodcast.com/blog/minimize-tax-burdens-assets/) [Check out the full podcast episode ] (https://rumble.com/v66j1qs-what-are-ways-to-distribute-wealth-to-my-heirs-to-prevent-tax-issues.html) Podcast Timestamps: 00:00 Episode Overview 01:54 Listener Question: Bob's Wealth Transfer Dilemma 03:51 Gratitude Statement 04:11 Bible Verse 05:35 Case Study: Tom's Legacy Planning 14:40 Key Takeaways 15:15 Annual Gifting Strategy 18:50 The Importance of Trusts in Estate Planning 19:50 Smart Investment Strategies 21:28 Key Reminders 23:12 Visit [ https://www.askralphpodcast.com/blog/] (https://www.askralphpodcast.com/blog/) for Free Financial Resources 23:24 Call to Action: Rate The Show 26:06 Reflection Questions 27:35 Action Steps You Can Take 31:45 Conclusion Takeaways: --- Estate planning is not just about money; it's about creating a legacy that reflects your values. --- Utilizing strategies like annual gifting can significantly minimize the tax burden on heirs. --- Communicating openly with family about estate plans can prevent rifts and misunderstandings later. --- Regularly updating your estate planning documents is crucial as life circumstances change. --- It's important to understand the tax implications of your assets before passing them on. --- Seeking professional advice from financial advisors and estate planners is essential for effective planning. Links referenced in this episode: --- [https://www.askralphpodcast.com/revocable-and-irrevocable-trust/] (https://www.askralphpodcast.com/revocable-and-irrevocable-trust/) --- [https://www.askralphpodcast.com/estate-planning-chat-with-attorney-kevin-baird/] (https://www.askralphpodcast.com/estate-planning-chat-with-attorney-kevin-baird/) --- [https://www.askralphpodcast.com/estate-planning-mistakes/] (https://www.askralphpodcast.com/estate-planning-mistakes/) ---Ask Ralph Insiders Community [https://mailchi.mp/askralph.com/group] (https://mailchi.mp/askralph.com/group) ---Ask Ralph Show Live [https://] (https://justaskralph.com/) [askralphpodcast.com/live] (http://askralphpodcast.com/live) ---What is your question that you would like to ask Ralph? Send Your Question here: [https://justaskralph.com/] (https://justaskralph.com/) ---Join our email list and get a free copy of “Mastering Your Finances” at [https://askralph.com/] (https://askralph.com/) ---Rate The Show [askralphpodcast.com/review] (https://askralphpodcast.com/review) [LISTEN NOW] (https://www.askralphpodcast.com/) [WATCH NOW ON YOUTUBE] (https://www.youtube.com/channel/UC1ZyJLydWUPqYaF2mS1l1Yg) (OUR VIDEO VERSION) [WATCH NOW ON RUMBLE] (https://rumble.com/c/ASKRALPHPODCAST) (OUR VIDEO VERSION) [VISIT OUR ASK RALPH SHOW GEAR STORE] (https://askralph-shop.fourthwall.com/?source=dashboard) FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" [JOIN OUR FACEBOOK INSIDERS GROUP] (https://www.facebook.com/share/W39nbmnKqtgqr9om/?mibextid=K35XfP) [SUPPORT THE SHOW] (https://ASKRALPHPODCAST.COM/SUPPORT) Please share our Podcast with all your friends and family! Submit your questions or ideas for future shows - email us at [ralph@askralph.com] (mailto:ralph@askralph.com) or leave a voicemail message on our podcast page [Leave A Voicemail Message] (https://www.askralphpodcast.com/) Like us on Facebook and follow us on Facebook at [https://www.facebook.com/askralphmedia] (https://www.facebook.com/askralphmedia) Twitter (@askralphmedia) or visit [www.askralphpodcast.com] (https://www.askralphpodcast.com/) for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to [www.askralph.com] (https://www.askralph.com/) for more information! Buy Ralph's Book - Mastering Your Finances! on [Amazon] (https://www.amazon.com/MASTERING-YOUR-FINANCES-Comprehensive-Financial/dp/B0CN5Q9PSJ/ref=sr_1_1?crid=3T7LBW5MT5G0L&keywords=ralph+estep&qid=1702750208&sprefix=ralph+estep%2Caps%2C90&sr=8-1) Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journeyon [Amazon] (https://a.co/d/1AUENOB) ... Read more

10 Jan 2025

33 MINS

33:07

10 Jan 2025

#617

How do I handle my taxes when I live in one state and work in another?

Feeling overwhelmed by the complexities of state taxes when living in one state and working in another? You’re not alone, and this episode dives deep into the nuances of navigating multi-state taxation. Ralph Estep addresses a listener's concern about potential double taxation and the confusion surrounding tax obligations in different states. With real-world examples and practical advice, he highlights the importance of meticulous record-keeping and understanding state-specific regulations. Tune in for valuable insights on how to ensure compliance, avoid costly mistakes, and honor your financial responsibilities—all while maintaining a light-hearted approach to this serious topic. By the end, you'll feel more confident in your ability to handle my taxes effectively and with ease. [Read today's blog article] (https://www.askralphpodcast.com/blog/best-strategies-managing-multi-state-taxes/) [Check out the full podcast episode] (https://rumble.com/v66md8v-how-do-i-handle-my-taxes-when-i-live-in-one-state-and-work-in-another.html) Podcast Timestamps: 00:00 Episode Overview 01:47 Listener Question: Navigating Double Taxation 02:56 Biblical Perspective on Taxes 03:31 Gratitude Statement 4:15 Case Study: The Modern Industrial Nomad 14:02 State Tax Reciprocity Explained 20:14 Tips for Multi-State Workers 22:14 Call to Action 24.17 Reflection 25:33 Action Steps 26:50 Conclusion Takeaways: --- Managing taxes across state lines can be complex and requires meticulous record-keeping. --- Double taxation might not be an issue if states offer tax credits for taxes paid elsewhere. --- Understanding state tax reciprocity agreements can simplify multi-state work tax obligations significantly. --- Professional tax guidance is crucial to avoid costly mistakes and ensure compliance with regulations. --- Employers may withhold taxes incorrectly; always verify your tax withholdings based on residency. --- Keeping track of all income sources and expenses can prevent future tax headaches. Links referenced in this episode: ---Ask Ralph Insiders Community [https://mailchi.mp/askralph.com/group] (https://mailchi.mp/askralph.com/group) ---Ask Ralph Show Live [https://] (https://justaskralph.com/) [askralphpodcast.com/live] (http://askralphpodcast.com/live) ---What is your question that you would like to ask Ralph? Send Your Question here: [https://justaskralph.com/] (https://justaskralph.com/) ---Join our email list and get a free copy of “Mastering Your Finances” at [https://askralph.com/] (https://askralph.com/) [LISTEN NOW] (https://www.askralphpodcast.com/) [WATCH NOW ON YOUTUBE] (https://www.youtube.com/channel/UC1ZyJLydWUPqYaF2mS1l1Yg) (OUR VIDEO VERSION) [WATCH NOW ON RUMBLE] (https://rumble.com/c/ASKRALPHPODCAST) (OUR VIDEO VERSION) [VISIT OUR ASK RALPH SHOW GEAR STORE] (https://askralph-shop.fourthwall.com/?source=dashboard) FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" [JOIN OUR FACEBOOK INSIDERS GROUP] (https://www.facebook.com/share/W39nbmnKqtgqr9om/?mibextid=K35XfP) [SUPPORT THE SHOW] (https://ASKRALPHPODCAST.COM/SUPPORT) Please share our Podcast with all your friends and family! Submit your questions or ideas for future shows - email us at [ralph@askralph.com] (mailto:ralph@askralph.com) or leave a voicemail message on our podcast page [Leave A Voicemail Message] (https://www.askralphpodcast.com/) Like us on Facebook and follow us on Facebook at [https://www.facebook.com/askralphmedia] (https://www.facebook.com/askralphmedia) Twitter (@askralphmedia) or visit [www.askralphpodcast.com] (https://www.askralphpodcast.com/) for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to [www.askralph.com] (https://www.askralph.com/) for more information! Buy Ralph's Book - Mastering Your Finances! on [Amazon] (https://www.amazon.com/MASTERING-YOUR-FINANCES-Comprehensive-Financial/dp/B0CN5Q9PSJ/ref=sr_1_1?crid=3T7LBW5MT5G0L&keywords=ralph+estep&qid=1702750208&sprefix=ralph+estep%2Caps%2C90&sr=8-1) Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journeyon [Amazon] (https://a.co/d/1AUENOB) ... Read more

09 Jan 2025

28 MINS

28:12

09 Jan 2025

#616

What are the steps I can take to finally take control of my finances-My interview with Robert Plank

What happens when an 8-year-old boy suddenly finds himself managing household finances? Ralph Estep Jr. shares his transformative journey from childhood responsibilities to becoming a financial evangelist, helping others break free from financial despair. He delves into the intersection of faith and financial stewardship, emphasizing the importance of biblical principles for financial success. In a poignant discussion, Ralph recounts a life-changing visit to a concentration camp that ignited his mission to guide others towards financial peace and purpose. Join him and Robert Plank as they explore practical advice for achieving financial harmony in personal relationships, the significance of having a mission that goes beyond mere profit, and the steps to finally take control of my finances. [Read today's blog article] (https://www.askralphpodcast.com/blog/journey-toward-financial-independence/) [Check out the full podcast episode] (https://rumble.com/v65mv07-what-are-the-steps-i-can-take-to-finally-take-control-of-my-finances-my-int.html) Podcast Timestamps: 00:00 Episode Overview 00:20 Setting the Stage: Interview on the Marketer of the Day Show 02:21 Listener Question: Preparing Children for Financial Responsibility 03:23 Gratitude Statement 04:13 Bible Verse 04:44 Main Interview: Ralph Estep Jr. on Faith and Finances 36:31 Reflection Questions 37:45 Call to Action: Share the Show 39:13 Action Steps 40:34 Closing Takeaways: --- The journey of financial literacy often begins early, as Ralph's childhood experiences demonstrate. --- Understanding your current financial position is essential before setting future financial goals. --- Ralph emphasizes that true financial success intertwines with one's spiritual and faith journey. --- Creating a financial roadmap helps individuals align their resources with their life goals. --- Financial education is lacking in society, perpetuating cycles of debt and financial stress. --- Ralph's mission is to help others find hope and freedom from financial bondage. Links referenced in this episode: ---Ask Ralph Insiders Community [https://mailchi.mp/askralph.com/group] (https://mailchi.mp/askralph.com/group) ---Ask Ralph Show Live [https://] (https://justaskralph.com/) [askralphpodcast.com/live] (http://askralphpodcast.com/live) ---What is your question that you would like to ask Ralph? Send Your Question here: [https://justaskralph.com/] (https://justaskralph.com/) ---Join our email list and get a free copy of “Mastering Your Finances” at [https://askralph.com/] (https://askralph.com/) [LISTEN NOW] (https://www.askralphpodcast.com/) [WATCH NOW ON YOUTUBE] (https://www.youtube.com/channel/UC1ZyJLydWUPqYaF2mS1l1Yg) (OUR VIDEO VERSION) [WATCH NOW ON RUMBLE] (https://rumble.com/c/ASKRALPHPODCAST) (OUR VIDEO VERSION) [VISIT OUR ASK RALPH SHOW GEAR STORE] (https://askralph-shop.fourthwall.com/?source=dashboard) FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" [JOIN OUR FACEBOOK INSIDERS GROUP] (https://www.facebook.com/share/W39nbmnKqtgqr9om/?mibextid=K35XfP) [SUPPORT THE SHOW] (https://ASKRALPHPODCAST.COM/SUPPORT) Please share our Podcast with all your friends and family! Submit your questions or ideas for future shows - email us at [ralph@askralph.com] (mailto:ralph@askralph.com) or leave a voicemail message on our podcast page [Leave A Voicemail Message] (https://www.askralphpodcast.com/) Like us on Facebook and follow us on Facebook at [https://www.facebook.com/askralphmedia] (https://www.facebook.com/askralphmedia) Twitter (@askralphmedia) or visit [www.askralphpodcast.com] (https://www.askralphpodcast.com/) for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to [www.askralph.com] (https://www.askralph.com/) for more information! Buy Ralph's Book - Mastering Your Finances! on [Amazon] (https://www.amazon.com/MASTERING-YOUR-FINANCES-Comprehensive-Financial/dp/B0CN5Q9PSJ/ref=sr_1_1?crid=3T7LBW5MT5G0L&keywords=ralph+estep&qid=1702750208&sprefix=ralph+estep%2Caps%2C90&sr=8-1) Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journeyon [Amazon] (https://a.co/d/1AUENOB) ... Read more

08 Jan 2025

41 MINS

41:48

08 Jan 2025

#615

What are 16 ways that tech can make life easier for older people?

Are you feeling the weight of caring for aging parents who are determined to maintain their independence? This episode tackles the pressing issue of how technology can empower seniors to stay safe, connected, and independent. Join Ralph Estep Jr. as he shares 16 transformative tech solutions that can enhance the lives of seniors, drawing on real-life stories, such as that of his client Laurel, who went from struggling with isolation and missed medications to thriving through tech support. The discussion highlights the importance of bridging generational gaps with technology, showcasing tools that not only improve financial management but also foster social connections. With a mix of heartfelt stories and practical advice, you'll discover how to help your loved ones navigate the challenges of aging while preserving their dignity and independence—and see firsthand how tech can make life easier for older people. [Check out the full podcast episode] (https://rumble.com/v65mieg-what-are-16-ways-that-tech-can-make-life-easier-for-older-people.html?mref=3fi7u9&mc=5ahkg) [Read today's blog article] (https://www.askralphpodcast.com/blog/best-tech-tools-simplifying-life/) Podcast Timestamps: 00:00 Episode Overview 02:35 Listener's Heart-Wrenching Question 04:54 Today’s Gratitude Statement 05:47 Biblical Perspective on Caring for Family 07:10 Client Story: Laurel's Digital Disconnection 14:36 Step-by-Step Implementation 21:35 Technology Solutions for Seniors 21:50 16 Essential Tech Tools for Seniors 29:59 Call to Action: How to Book a Call with Ralph 32:37 Reflection Questions 34:09 Action Steps 35:39 Final Thoughts Takeaways: --- Maintaining independence for aging parents can be challenging, but technology offers practical solutions. --- Seniors face significant risks of isolation and cognitive decline when living alone, especially over 75. --- Simple technology adjustments can greatly improve seniors' social connections and overall well-being. --- Digital tools such as medication reminders and online banking help seniors manage daily tasks effectively. --- Family involvement in technology training is crucial for seniors to adapt to new tools. --- Engaging in virtual community activities can enhance spiritual growth and maintain family bonds. Links referenced in this episode: ---Ask Ralph Insiders Community [https://mailchi.mp/askralph.com/group] (https://mailchi.mp/askralph.com/group) ---Ask Ralph Show Live [https://] (https://justaskralph.com/) [askralphpodcast.com/live] (http://askralphpodcast.com/live) ---What is your question that you would like to ask Ralph? Send Your Question here: [https://justaskralph.com/] (https://justaskralph.com/) ---Join our email list and get a free copy of “Mastering Your Finances” at [https://askralph.com/] (https://askralph.com/) Companies mentioned in this episode: --- Apple --- Uber --- Lyft [LISTEN NOW] (https://www.askralphpodcast.com/) [WATCH NOW ON YOUTUBE] (https://www.youtube.com/channel/UC1ZyJLydWUPqYaF2mS1l1Yg) (OUR VIDEO VERSION) [WATCH NOW ON RUMBLE] (https://rumble.com/c/ASKRALPHPODCAST) (OUR VIDEO VERSION) [VISIT OUR ASK RALPH SHOW GEAR STORE] (https://askralph-shop.fourthwall.com/?source=dashboard) FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" [JOIN OUR FACEBOOK INSIDERS GROUP] (https://www.facebook.com/share/W39nbmnKqtgqr9om/?mibextid=K35XfP) [SUPPORT THE SHOW] (https://ASKRALPHPODCAST.COM/SUPPORT) Please share our Podcast with all your friends and family! Submit your questions or ideas for future shows - email us at [ralph@askralph.com] (mailto:ralph@askralph.com) or leave a voicemail message on our podcast page [Leave A Voicemail Message] (https://www.askralphpodcast.com/) Like us on Facebook and follow us on Facebook at [https://www.facebook.com/askralphmedia] (https://www.facebook.com/askralphmedia) Twitter (@askralphmedia) or visit [www.askralphpodcast.com] (https://www.askralphpodcast.com/) for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to [www.askralph.com] (https://www.askralph.com/) for more information! Buy Ralph's Book - Mastering Your Finances! on [Amazon] (https://www.amazon.com/MASTERING-YOUR-FINANCES-Comprehensive-Financial/dp/B0CN5Q9PSJ/ref=sr_1_1?crid=3T7LBW5MT5G0L&keywords=ralph+estep&qid=1702750208&sprefix=ralph+estep%2Caps%2C90&sr=8-1) Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journeyon [Amazon] (https://a.co/d/1AUENOB) ... Read more

07 Jan 2025

37 MINS

37:12

07 Jan 2025

#614

What do I do if I suspect my Mom has dementia and she’s still handling her own finances?

Navigating the delicate balance of protecting a loved one's financial well-being while preserving their dignity is a heart-wrenching challenge, especially when signs of cognitive decline emerge. Ralph Estep Jr. shares a deeply personal story about how he helped a cherished client safeguard her life savings before it was too late, offering valuable insights for anyone in a similar situation. Through the lens of a listener's poignant question, he explores the emotional toll of witnessing a parent struggle with financial management and the fear of infringing on their independence, particularly when dealing with conditions like dementia. Ralph provides actionable steps to document warning signs, establish legal safeguards, and maintain open communication, all while emphasizing the importance of empathy and compassion—especially when mom has dementia. Tune in to discover how faith and practical strategies can empower you to support your aging loved ones without compromising their dignity. [Rumble Video] (https://rumble.com/v6572t7-what-do-i-do-if-i-suspect-my-mom-has-dementia-and-shes-still-handling-her-o.html) [Blogpost] (https://www.askralphpodcast.com/blog/warning-signs-financial-assistance/) Podcast Timestamps: 00:00 Episode Overview 02:22 Listener's Heartfelt Question 04:05 Gratitude Statement 05:06 Bible Verse - Exodus 20:12 05:55 Margaret's Story: Recognizing Cognitive Decline 11:16 Steps to Protect Your Loved Ones 16:58 Join the Live Community 20:27 Reflection Questions 21:30 Action Steps 26:20 Conclusion Takeaways: --- Recognizing early signs of financial confusion in loved ones is crucial for intervention. --- Documentation of unusual financial behaviors helps protect seniors from potential exploitation. --- Establishing a durable power of attorney is essential for managing finances effectively. --- Maintaining open communication with elderly parents ensures their dignity is respected during intervention. --- Creating an emergency response plan can safeguard your parents' financial well-being. --- Regular monitoring of financial accounts helps identify suspicious activities or changes. Links referenced in this episode: ---Ask Ralph Insiders Community [https://mailchi.mp/askralph.com/group] (https://mailchi.mp/askralph.com/group) ---Ask Ralph Show Live [https://] (https://justaskralph.com/) [askralphpodcast.com/live] (http://askralphpodcast.com/live) ---What is your question that you would like to ask Ralph? Send Your Question here: [https://justaskralph.com/] (https://justaskralph.com/) ---Join our email list and get a free copy of “Mastering Your Finances” at [https://askralph.com/] (https://askralph.com/) [LISTEN NOW] (https://www.askralphpodcast.com/) [WATCH NOW ON YOUTUBE] (https://www.youtube.com/channel/UC1ZyJLydWUPqYaF2mS1l1Yg) (OUR VIDEO VERSION) [WATCH NOW ON RUMBLE] (https://rumble.com/c/ASKRALPHPODCAST) (OUR VIDEO VERSION) [VISIT OUR ASK RALPH SHOW GEAR STORE] (https://askralph-shop.fourthwall.com/?source=dashboard) FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" [JOIN OUR FACEBOOK INSIDERS GROUP] (https://www.facebook.com/share/W39nbmnKqtgqr9om/?mibextid=K35XfP) [SUPPORT THE SHOW] (https://ASKRALPHPODCAST.COM/SUPPORT) Please share our Podcast with all your friends and family! Submit your questions or ideas for future shows - email us at [ralph@askralph.com] (mailto:ralph@askralph.com) or leave a voicemail message on our podcast page [Leave A Voicemail Message] (https://www.askralphpodcast.com/) Like us on Facebook and follow us on Facebook at [https://www.facebook.com/askralphmedia] (https://www.facebook.com/askralphmedia) Twitter (@askralphmedia) or visit [www.askralphpodcast.com] (https://www.askralphpodcast.com/) for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to [www.askralph.com] (https://www.askralph.com/) for more information! Buy Ralph's Book - Mastering Your Finances! on [Amazon] (https://www.amazon.com/MASTERING-YOUR-FINANCES-Comprehensive-Financial/dp/B0CN5Q9PSJ/ref=sr_1_1?crid=3T7LBW5MT5G0L&keywords=ralph+estep&qid=1702750208&sprefix=ralph+estep%2Caps%2C90&sr=8-1) Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journeyon [Amazon] (https://a.co/d/1AUENOB) ... Read more

06 Jan 2025

27 MINS

27:26

06 Jan 2025

#613

How can I break the cycle of classic humanism and embrace true Christianity?

Feeling a sense of emptiness despite outward success is a common struggle, and today's discussion dives deep into this very issue. Peter, a successful CEO, grapples with how to integrate Christian principles into his business without compromising its success. Ralph Estep Jr. shares his own transformative journey from a life driven by human achievement to one rooted in faith and stewardship. He emphasizes that true prosperity comes from aligning financial wisdom with divine guidance, challenging listeners to see their businesses as ministries rather than mere ventures. With actionable steps and heartfelt stories, this episode encourages a shift towards a purpose-driven approach to personal finance and business operations, inspiring listeners to embrace true Christianity in their daily lives. [Rumble Video] (https://rumble.com/v655skm-how-can-i-break-the-cycle-of-classic-humanism-and-embrace-true-christianity.html) [Blog Post] (https://www.askralphpodcast.com/blog/embracing-true-christianity-transform/) Podcast Timestamps: 00:00 Episode Overview 02:04 Listener Question: Balancing Business and Faith 05:28 Bible Verse: Proverbs 3:5-6 06:21 Ralph's Personal Journey: From Success to Significance 15:05 Call to Action: Gospel Book 18:09 Practical Steps for Integrating Faith and Business 19:15 Conclusion and Upcoming Topic Takeaways: --- Breaking free from classic humanism by embracing true Christianity can transform your financial life. --- True prosperity is a journey in partnership with divine wisdom, not just human effort. --- Integrating Christian principles into business requires balancing profit with generosity and purpose. --- Daily prayer and scripture reading can set the foundation for successful business practices. --- Finding a mentor or joining a Christian business group fosters support for your spiritual journey. --- Your business should be viewed as a ministry, aligning success with God's purpose. Links referenced in this episode: --- [https://www.askralphpodcast.com/gospel] (https://www.askralphpodcast.com/gospel) ---Ask Ralph Insiders Community [https://mailchi.mp/askralph.com/group] (https://mailchi.mp/askralph.com/group) ---Ask Ralph Show Live [https://] (https://justaskralph.com/) [askralphpodcast.com/live] (http://askralphpodcast.com/live) ---What is your question that you would like to ask Ralph? Send Your Question here: [https://justaskralph.com/] (https://justaskralph.com/) ---Join our email list and get a free copy of “Mastering Your Finances” at [https://askralph.com/] (https://askralph.com/) [LISTEN NOW] (https://www.askralphpodcast.com/) [WATCH NOW ON YOUTUBE] (https://www.youtube.com/channel/UC1ZyJLydWUPqYaF2mS1l1Yg) (OUR VIDEO VERSION) [WATCH NOW ON RUMBLE] (https://rumble.com/c/ASKRALPHPODCAST) (OUR VIDEO VERSION) [VISIT OUR ASK RALPH SHOW GEAR STORE] (https://askralph-shop.fourthwall.com/?source=dashboard) FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" [JOIN OUR FACEBOOK INSIDERS GROUP] (https://www.facebook.com/share/W39nbmnKqtgqr9om/?mibextid=K35XfP) [SUPPORT THE SHOW] (https://ASKRALPHPODCAST.COM/SUPPORT) Please share our Podcast with all your friends and family! Submit your questions or ideas for future shows - email us at [ralph@askralph.com] (mailto:ralph@askralph.com) or leave a voicemail message on our podcast page [Leave A Voicemail Message] (https://www.askralphpodcast.com/) Like us on Facebook and follow us on Facebook at [https://www.facebook.com/askralphmedia] (https://www.facebook.com/askralphmedia) Twitter (@askralphmedia) or visit [www.askralphpodcast.com] (https://www.askralphpodcast.com/) for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to [www.askralph.com] (https://www.askralph.com/) for more information! Buy Ralph's Book - Mastering Your Finances! on [Amazon] (https://www.amazon.com/MASTERING-YOUR-FINANCES-Comprehensive-Financial/dp/B0CN5Q9PSJ/ref=sr_1_1?crid=3T7LBW5MT5G0L&keywords=ralph+estep&qid=1702750208&sprefix=ralph+estep%2Caps%2C90&sr=8-1) Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journeyon [Amazon] (https://a.co/d/1AUENOB) ... Read more

05 Jan 2025

20 MINS

20:56

05 Jan 2025

#612

What are treasury inflation protected securities (TIPS) and why should someone hold them?

Are you concerned about inflation eroding your savings? This episode dives into treasury inflation-protected securities (TIPS), a powerful investment tool designed to help safeguard your money from the damaging effects of inflation. Ralph Estep, Jr. shares insights on how these government-backed bonds can protect your purchasing power while offering a steady income stream. He highlights the importance of saving wisely and provides a compelling story about a teacher named James, who learned the hard way about the pitfalls of traditional bonds during inflationary times. Join Ralph as he explores practical steps to incorporate TIPS into your investment strategy, helping you achieve financial success while staying true to your values. You can read the blog article [here] (https://www.askralphpodcast.com/blog/tips-protect-retirement-portfolio/) Watch the video in Rumble [here] (https://rumble.com/v64d2zg-what-are-treasury-inflation-protected-securities-tips-and-why-should-someon.html) Podcast Timestamps: 00:00 Episode Overview 01:40 Listener Question: How to Safeguard Retirement Savings 03:12 Biblical Perspective on Wealth Preservation 03:54 Real Life Story a Client 05:26 Understanding Treasury Inflation Protected Securities (TIPS) 06:18 Benefits and Challenges of TIPS 13:43 Community and Live Show Invitation 16:45 Action Items and Conclusion Takeaways: --- Treasury Inflation-Protected Securities (TIPS) act as a hedge against inflation by adjusting principal value with rising inflation, helping preserve purchasing power. --- It is essential to consult with a financial advisor before investing in TIPS to ensure they fit your unique financial situation and goals. --- Investing in TIPS provides a steady income stream through semi-annual interest payments, supplementing retirement savings effectively. --- While TIPS are secure investments backed by the U.S. government, they typically offer lower interest rates than traditional bonds due to their inflation protection features. --- Be aware that you may owe taxes on phantom income from TIPS, which requires careful planning for tax payments on inflation adjustments. --- Consider allocating a portion of your investment portfolio to TIPS as a strategy for enhancing financial security during inflationary periods. Links referenced in this episode: ---Ask Ralph Insiders Community [https://mailchi.mp/askralph.com/group] (https://mailchi.mp/askralph.com/group) ---Ask Ralph Show Live [https://] (https://justaskralph.com/) [askralphpodcast.com/live] (http://askralphpodcast.com/live) ---What is your question that you would like to ask Ralph? Send Your Question here: [https://justaskralph.com/] (https://justaskralph.com/) ---Join our email list and get a free copy of “Mastering Your Finances” at [https://askralph.com/] (https://askralph.com/) --- [treasurydirect.gov] (https://treasurydirect.gov) Companies mentioned in this episode: --- TreasuryDirect.gov --- Saggio Accounting Plus --- Ask Ralph Media, Inc. [LISTEN NOW] (https://www.askralphpodcast.com/) [WATCH NOW ON YOUTUBE] (https://www.youtube.com/channel/UC1ZyJLydWUPqYaF2mS1l1Yg) (OUR VIDEO VERSION) [WATCH NOW ON RUMBLE] (https://rumble.com/c/ASKRALPHPODCAST) (OUR VIDEO VERSION) [VISIT OUR ASK RALPH SHOW GEAR STORE] (https://askralph-shop.fourthwall.com/?source=dashboard) FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" [JOIN OUR FACEBOOK INSIDERS GROUP] (https://www.facebook.com/share/W39nbmnKqtgqr9om/?mibextid=K35XfP) [SUPPORT THE SHOW] (https://ASKRALPHPODCAST.COM/SUPPORT) Please share our Podcast with all your friends and family! Submit your questions or ideas for future shows - email us at [ralph@askralph.com] (mailto:ralph@askralph.com) or leave a voicemail message on our podcast page [Leave A Voicemail Message] (https://www.askralphpodcast.com/) Like us on Facebook and follow us on Facebook at [https://www.facebook.com/askralphmedia] (https://www.facebook.com/askralphmedia) Twitter (@askralphmedia) or visit [www.askralphpodcast.com] (https://www.askralphpodcast.com/) for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to [www.askralph.com] (https://www.askralph.com/) for more information! Buy Ralph's Book - Mastering Your Finances! on [Amazon] (https://www.amazon.com/MASTERING-YOUR-FINANCES-Comprehensive-Financial/dp/B0CN5Q9PSJ/ref=sr_1_1?crid=3T7LBW5MT5G0L&keywords=ralph+estep&qid=1702750208&sprefix=ralph+estep%2Caps%2C90&sr=8-1) Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journeyon [Amazon] (https://a.co/d/1AUENOB) ... Read more

04 Jan 2025

19 MINS

19:17

04 Jan 2025

#611

If my social security number has already been compromised – how do I stay safe?

Have you ever received a notification that your Social Security number was found on the dark web? If so, you're not alone, and it's a terrifying experience that can leave you feeling vulnerable and helpless. Ralph Estep shares his own harrowing journey with identity theft, revealing the critical steps you must take immediately to protect yourself and your family. From reporting the theft to the Federal Trade Commission to filing a police report, Ralph outlines a comprehensive action plan designed to help you regain control. With practical advice and personal anecdotes, this episode provides essential insights into safeguarding your financial future while navigating the complexities of identity theft. Even if your Social Security number has already been compromised, Ralph's guidance will help you take proactive measures and restore your peace of mind. Tune in to learn how to turn panic into purposeful action. [Read the Full Blog Post Here:] (https://www.askralphpodcast.com/blog/social-security-number-breach/) [https://www.askralphpodcast.com/already-been-compromised/] (https://www.askralphpodcast.com/already-been-compromised/) Podcast Timestamps: 00:00 Episode Overview 02:05 Listener's Urgent Question 03:27 Scriptural Guidance and Reassurance 04:17 Ralph's Identity Theft Story 07:17 Steps to Take After Identity Theft 13:41 Key Takeaway 15:40 Call to Action: How to Share the Show 17:49 Actions Steps You Can Take 21:58 Closing Takeaways: --- If your Social Security number is found on the dark web, stay calm and act immediately. --- Reporting identity theft to the Federal Trade Commission is crucial for recovery planning. --- Filing a police report can be an invaluable step when dealing with creditors later. --- Consider placing a credit freeze to prevent new accounts from being opened in your name. --- Regularly monitor your credit report to catch any suspicious activity early on. --- Having a proactive plan in place could save you from devastating financial losses. Links referenced in this episode: --- [https://www.irs.gov/identity-theft-fraud-scams/get-an-identity-protection-pin] (https://www.irs.gov/identity-theft-fraud-scams/get-an-identity-protection-pin) --- [https://www.identitytheft.gov/] (https://www.identitytheft.gov/) --- [https://www.askralphpodcast.com/freeze-my-credit-file/] (https://www.askralphpodcast.com/freeze-my-credit-file/) ---Ask Ralph Insiders Community [https://mailchi.mp/askralph.com/group] (https://mailchi.mp/askralph.com/group) ---Ask Ralph Show Live [https://] (https://justaskralph.com/) [askralphpodcast.com/live] (http://askralphpodcast.com/live) ---What is your question that you would like to ask Ralph? Send Your Question here: [https://justaskralph.com/] (https://justaskralph.com/) ---Join our email list and get a free copy of “Mastering Your Finances” at [https://askralph.com/] (https://askralph.com/) Companies mentioned in this episode: --- Norton [LISTEN NOW] (https://www.askralphpodcast.com/) [WATCH NOW ON YOUTUBE] (https://www.youtube.com/channel/UC1ZyJLydWUPqYaF2mS1l1Yg) (OUR VIDEO VERSION) [WATCH NOW ON RUMBLE] (https://rumble.com/c/ASKRALPHPODCAST) (OUR VIDEO VERSION) [VISIT OUR ASK RALPH SHOW GEAR STORE] (https://askralph-shop.fourthwall.com/?source=dashboard) FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" [JOIN OUR FACEBOOK INSIDERS GROUP] (https://www.facebook.com/share/W39nbmnKqtgqr9om/?mibextid=K35XfP) [SUPPORT THE SHOW] (https://ASKRALPHPODCAST.COM/SUPPORT) Please share our Podcast with all your friends and family! Submit your questions or ideas for future shows - email us at [ralph@askralph.com] (mailto:ralph@askralph.com) or leave a voicemail message on our podcast page [Leave A Voicemail Message] (https://www.askralphpodcast.com/) Like us on Facebook and follow us on Facebook at [https://www.facebook.com/askralphmedia] (https://www.facebook.com/askralphmedia) Twitter (@askralphmedia) or visit [www.askralphpodcast.com] (https://www.askralphpodcast.com/) for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to [www.askralph.com] (https://www.askralph.com/) for more information! Buy Ralph's Book - Mastering Your Finances! on [Amazon] (https://www.amazon.com/MASTERING-YOUR-FINANCES-Comprehensive-Financial/dp/B0CN5Q9PSJ/ref=sr_1_1?crid=3T7LBW5MT5G0L&keywords=ralph+estep&qid=1702750208&sprefix=ralph+estep%2Caps%2C90&sr=8-1) Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journeyon [Amazon] (https://a.co/d/1AUENOB) ... Read more

03 Jan 2025

23 MINS

23:18

03 Jan 2025

#610

Your Daily Guide to Financial Freedom: Welcome to Ask Ralph

Discover the transformative power of financial wisdom in the Ask Ralph Show trailer, where Ralph Estep Jr. combines biblical truth with practical advice to help you break free from the shackles of debt and financial stress. Ralph shares his journey through financial challenges, offering insights that resonate with anyone seeking clarity and purpose in their financial life. With a focus on real-world issues, the show tackles pressing questions like how to escape debt, build a God-honoring business, and achieve meaningful stewardship of resources. Join Ralph daily as he encourages you to measure twice and cut once, guiding you to build a legacy that truly matters. This is more than just financial advice; it's about aligning your resources with God's purpose and making a Kingdom impact. Crushing debt and relentless financial stress can leave anyone feeling trapped, but there is a path to freedom through understanding and applying biblical principles to our finances. Ralph Estep Jr., a financial evangelist who has experienced the depths of financial failure, shares his journey from despair to clarity in this inspiring trailer for the Ask Ralph Show. The show acts as a beacon of hope for those ensnared by financial worries, inviting listeners to take control of their money and align their resources with a higher purpose. Ralph's approach is rooted in the belief that true wealth transcends mere monetary value; it is about the richness of life experiences and the journey toward financial peace. Each episode promises to combine practical financial advice with biblical wisdom, allowing listeners to engage in meaningful discussions about their money, faith, and the impact they can have in their communities. Whether you're a business owner or an individual seeking wise financial choices, the Ask Ralph Show is here to guide you on your path to financial empowerment and legacy building. Takeaways: --- Financial freedom is attainable, even in a world dominated by debt and financial stress. --- Ralph Estep Jr. shares his journey from financial failure to clarity and hope. --- True wealth encompasses more than money; it's about purpose, faith, and life’s journey. --- This show integrates biblical principles with practical financial guidance for everyday challenges. --- Listeners can expect real talk about money, faith, and how to impact the Kingdom. --- Join Ralph daily for insights on building a legacy and making wise financial choices. ... Read more

03 Jan 2025

01 MINS

01:56

03 Jan 2025

#609

What are 12 sources of non-taxable income?

Are you tired of watching your hard-earned money vanish into taxes? Discover how you can retain more of your income legally by exploring 12 sources of non-taxable income that the IRS can't touch. Ralph Estep Jr. dives into the complexities of financial planning, emphasizing the importance of proactive decisions regarding your finances. From disability insurance payments to health savings accounts, this episode unpacks various strategies that can lead to financial stability and peace of mind. Join Ralph as he shares personal stories and actionable insights to help you take control of your financial future while aligning your resources with your values. [Read the Full Blog Post Here] (https://www.askralphpodcast.com/blog/non-taxable-income-you-save-money-legally/) [https://www.askralphpodcast.com/sources-of-non-taxable] (https://www.askralphpodcast.com/sources-of-non-taxable/) / Podcast Timestamps: 00:00 Episode Overview 01:49 Listener Question: Non-Taxable Income 02:59 Biblical Perspective on Wealth 03:58 Michael's Story: The Power of Non-Taxable Income 10:53 12 Powerful Sources Of Non-Taxable Income 10:55 #1 Disability Insurance Payments 11:28 #2 Employer-Provided Insurance 12:17 #3 Health Savings Accounts (HSAs) 12:59 #4 Life Insurance Payouts 13:57 #5 Municipal Bond Interest 14:43 #6 Sale of Primary Residence 17:01 #7 Financial Gifts 17:33 #8 Inheritances 18:19 #9 Child Support 18:45 #10 Welfare Payments 18:56 #11 Qualified Scholarships 19:11 #12 Social Security Benefits 21:39 Call to Action: Join the Live Community 24:53 Action Steps 26:09 Conclusion Takeaways: --- Understanding non-taxable income sources is essential for achieving financial security and peace of mind. --- Disability insurance payments can be tax-free if premiums are paid with after-tax dollars. --- Employer-provided health and life insurance are not taxable income, benefiting employees financially. --- Health Savings Accounts (HSAs) offer triple tax advantages, making them a valuable financial tool. --- Life insurance payouts are generally tax-free, providing financial relief to beneficiaries during tough times. --- Capital gains from the sale of your primary residence can often be excluded from taxes. Links referenced in this episode: ---Ask Ralph Show Live [https://] (https://justaskralph.com/) [askralphpodcast.com/live] (http://askralphpodcast.com/live) ---What is your question that you would like to ask Ralph? Send Your Question here: [https://justaskralph.com/] (https://justaskralph.com/) ---Join our email list and get a free copy of “Mastering Your Finances” at [https://askralph.com/] (https://askralph.com/) [LISTEN NOW] (https://www.askralphpodcast.com/) [WATCH NOW ON YOUTUBE] (https://www.youtube.com/channel/UC1ZyJLydWUPqYaF2mS1l1Yg) (OUR VIDEO VERSION) [WATCH NOW ON RUMBLE] (https://rumble.com/c/ASKRALPHPODCAST) (OUR VIDEO VERSION) [VISIT OUR ASK RALPH SHOW GEAR STORE] (https://askralph-shop.fourthwall.com/?source=dashboard) FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" [JOIN OUR FACEBOOK INSIDERS GROUP] (https://www.facebook.com/share/W39nbmnKqtgqr9om/?mibextid=K35XfP) [SUPPORT THE SHOW] (https://ASKRALPHPODCAST.COM/SUPPORT) Please share our Podcast with all your friends and family! Submit your questions or ideas for future shows - email us at [ralph@askralph.com] (mailto:ralph@askralph.com) or leave a voicemail message on our podcast page [Leave A Voicemail Message] (https://www.askralphpodcast.com/) Like us on Facebook and follow us on Facebook at [https://www.facebook.com/askralphmedia] (https://www.facebook.com/askralphmedia) Twitter (@askralphmedia) or visit [www.askralphpodcast.com] (https://www.askralphpodcast.com/) for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to [www.askralph.com] (https://www.askralph.com/) for more information! Buy Ralph's Book - Mastering Your Finances! on [Amazon] (https://www.amazon.com/MASTERING-YOUR-FINANCES-Comprehensive-Financial/dp/B0CN5Q9PSJ/ref=sr_1_1?crid=3T7LBW5MT5G0L&keywords=ralph+estep&qid=1702750208&sprefix=ralph+estep%2Caps%2C90&sr=8-1) Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journeyon [Amazon] (https://a.co/d/1AUENOB) ... Read more

02 Jan 2025

27 MINS

27:32

02 Jan 2025

#608

How can I start the New Year on the best financial path?

Feeling overwhelmed by financial struggles is a common experience, especially as the new year begins. Ralph Estep Jr. addresses this very concern by sharing powerful strategies to help listeners start their financial journey on the right foot. He emphasizes the importance of prayer and reflection, creating a practical budget, and building an emergency fund to ensure financial stability. Through a compelling story about a church member named Betty, who faced hidden financial troubles despite her public persona, Ralph highlights the necessity of transparency in relationships and seeking help. This episode offers not just guidance but also hope for those feeling lost in their financial chaos, encouraging listeners to take actionable steps toward financial freedom and start the New Year on the best financial path. [Read the Full Blog Post Here] (https://www.askralphpodcast.com/blog/New-Year-financial-path/) [https://www.askralphpodcast.com/best-financial-path] (https://www.askralphpodcast.com/best-financial-path/) / Podcast Timestamps: 00:00 Episode Overview 02:05 Listener Question: Harper's Financial Struggles 03:41 Biblical Guidance for Financial Hope 04:37 Betty's Story: Hidden Financial Struggles 14:32 Steps to Financial Recovery 20:02 Call to Action (How to Book a Call With Ralph) 23:11 Action Steps for Financial Success 24:55 Closing Takeaways: --- Start the new year by reflecting on your past financial choices and seeking God's guidance. --- Create a practical budget using the 10-45-25-20 framework to manage your finances. --- Building a safety net with an emergency fund can provide peace of mind during financial struggles. --- Consider working with a financial advisor who aligns with your Christian values for better guidance. --- Admit when you need help and seek support from your community and church. --- Transform your financial struggles into a ministry to help others facing similar challenges. Links referenced in this episode: ---Ask Ralph Insiders Community [https://mailchi.mp/askralph.com/group] (https://mailchi.mp/askralph.com/group) ---Ask Ralph Show Live [https://] (https://justaskralph.com/) [askralphpodcast.com/live] (http://askralphpodcast.com/live) ---What is your question that you would like to ask Ralph? Send Your Question here: [https://justaskralph.com/] (https://justaskralph.com/) ---Join our email list and get a free copy of “Mastering Your Finances” at [https://askralph.com/] (https://askralph.com/) [LISTEN NOW] (https://www.askralphpodcast.com/) [WATCH NOW ON YOUTUBE] (https://www.youtube.com/channel/UC1ZyJLydWUPqYaF2mS1l1Yg) (OUR VIDEO VERSION) [WATCH NOW ON RUMBLE] (https://rumble.com/c/ASKRALPHPODCAST) (OUR VIDEO VERSION) [VISIT OUR ASK RALPH SHOW GEAR STORE] (https://askralph-shop.fourthwall.com/?source=dashboard) FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" [JOIN OUR FACEBOOK INSIDERS GROUP] (https://www.facebook.com/share/W39nbmnKqtgqr9om/?mibextid=K35XfP) [SUPPORT THE SHOW] (https://ASKRALPHPODCAST.COM/SUPPORT) Please share our Podcast with all your friends and family! Submit your questions or ideas for future shows - email us at [ralph@askralph.com] (mailto:ralph@askralph.com) or leave a voicemail message on our podcast page [Leave A Voicemail Message] (https://www.askralphpodcast.com/) Like us on Facebook and follow us on Facebook at [https://www.facebook.com/askralphmedia] (https://www.facebook.com/askralphmedia) Twitter (@askralphmedia) or visit [www.askralphpodcast.com] (https://www.askralphpodcast.com/) for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to [www.askralph.com] (https://www.askralph.com/) for more information! Buy Ralph's Book - Mastering Your Finances! on [Amazon] (https://www.amazon.com/MASTERING-YOUR-FINANCES-Comprehensive-Financial/dp/B0CN5Q9PSJ/ref=sr_1_1?crid=3T7LBW5MT5G0L&keywords=ralph+estep&qid=1702750208&sprefix=ralph+estep%2Caps%2C90&sr=8-1) Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journeyon [Amazon] (https://a.co/d/1AUENOB) ... Read more

01 Jan 2025

26 MINS

26:37

01 Jan 2025

#607

What are the top 7 reasons why I should not open a CD?

Are you considering a certificate of deposit (CD) for your savings? Before you lock away your cash, it's crucial to understand that putting your money in a CD might not be the best choice for your financial future. Ralph Estep Jr. dives into the potential pitfalls of CDs, shedding light on limited liquidity, early withdrawal penalties, and the risks of lower returns. He shares a compelling story about a client named Martha who faced significant challenges after investing in a CD without fully understanding the implications. By the end of the episode, you'll not only gain valuable insights about alternative investment options that align with your financial goals while maintaining accessibility and growth but also have a clearer understanding of why I should not open a CD. [https://www.askralphpodcast.com/should-not-open-a-CD/] (https://www.askralphpodcast.com/should-not-open-a-CD/) Podcast Timestamps: 00:00 Episode Overview 00:51 Listener’s Question: Should I Open a CD? 01:59 Bible Verse: Matthew 25:14-30 – The Parable of the Talents 04:53 Real-Life Story: Martha’s CD Dilemma and the $6,875 Penalty 06:44 Key Reasons Why CDs Might Not Be the Best Option 06:59 #1 Limited Liquidity 07:44 #2 High Early Withdrawal Penalties 08:16 #3 Lower Returns 09:12 #4 Tax Implications 09:35 #5 Opportunity Cost 09:57 #6 Inflation Risk 10:40 #7 Reinvestment Risks 14:29 Call to Action 16:57 Actionable Steps to Evaluate a CD as an Investment 18:10 Closing Takeaways: --- Consider the limited liquidity of CDs, as your money may be locked away for extended periods. --- Be cautious of early withdrawal penalties that can significantly impact your savings if you need access. --- Explore alternative investment options that may offer better returns than traditional CDs. --- Understand the potential tax implications of CDs, as interest earned may affect your tax bracket. --- Evaluate opportunity costs, as locking funds in a CD can prevent you from pursuing better investment opportunities. --- Keep in mind inflation risk, as the real value of your investment may erode over time. Links referenced in this episode: ---Ask Ralph Insiders Community [https://mailchi.mp/askralph.com/group] (https://mailchi.mp/askralph.com/group) ---Ask Ralph Show Live [https://] (https://justaskralph.com/) [askralphpodcast.com/live] (http://askralphpodcast.com/live) ---What is your question that you would like to ask Ralph? Send Your Question here: [https://justaskralph.com/] (https://justaskralph.com/) ---Join our email list and get a free copy of “Mastering Your Finances” at [https://askralph.com/] (https://askralph.com/) [LISTEN NOW] (https://www.askralphpodcast.com/) [WATCH NOW ON YOUTUBE] (https://www.youtube.com/channel/UC1ZyJLydWUPqYaF2mS1l1Yg) (OUR VIDEO VERSION) [WATCH NOW ON RUMBLE] (https://rumble.com/c/ASKRALPHPODCAST) (OUR VIDEO VERSION) [VISIT OUR ASK RALPH SHOW GEAR STORE] (https://askralph-shop.fourthwall.com/?source=dashboard) FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" [JOIN OUR FACEBOOK INSIDERS GROUP] (https://www.facebook.com/share/W39nbmnKqtgqr9om/?mibextid=K35XfP) [SUPPORT THE SHOW] (https://ASKRALPHPODCAST.COM/SUPPORT) Please share our Podcast with all your friends and family! Submit your questions or ideas for future shows - email us at [ralph@askralph.com] (mailto:ralph@askralph.com) or leave a voicemail message on our podcast page [Leave A Voicemail Message] (https://www.askralphpodcast.com/) Like us on Facebook and follow us on Facebook at [https://www.facebook.com/askralphmedia] (https://www.facebook.com/askralphmedia) Twitter (@askralphmedia) or visit [www.askralphpodcast.com] (https://www.askralphpodcast.com/) for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to [www.askralph.com] (https://www.askralph.com/) for more information! Buy Ralph's Book - Mastering Your Finances! on [Amazon] (https://www.amazon.com/MASTERING-YOUR-FINANCES-Comprehensive-Financial/dp/B0CN5Q9PSJ/ref=sr_1_1?crid=3T7LBW5MT5G0L&keywords=ralph+estep&qid=1702750208&sprefix=ralph+estep%2Caps%2C90&sr=8-1) Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journeyon [Amazon] (https://a.co/d/1AUENOB) ... Read more

31 Dec 2024

20 MINS

20:01

31 Dec 2024

#606

What are the 7 best things for retirees to spend their savings on?

Are you concerned about how to wisely spend your retirement savings while honoring God? Ralph Estep Jr. addresses this common dilemma by exploring the seven best ways Christian retirees can manage their finances for meaningful impact. From giving back to God through church and ministries to investing in the next generation, Ralph emphasizes the importance of balancing personal enjoyment with responsible stewardship. He shares a compelling case study of a retired couple navigating these choices, illustrating how they allocated their resources to reflect their values. With practical tips, scriptural grounding, and a focus on the best things for retirees to spend their savings on, this episode provides valuable insights for anyone seeking peace and purpose in their financial journey during retirement. [https://www.askralphpodcast.com/best-things-for-retirees/] (https://www.askralphpodcast.com/best-things-for-retirees/) Podcast Timestamps: 00:00 Episode Overview 01:06 Listener’s Question: How Can Retirees Balance Enjoyment and Stewardship? 01:59 Bible Verse: Proverbs 3:9 – Honoring the Lord with Wealth 02:29 Real-Life Story: Tom and Mary’s Balanced Retirement Spending 11:31 7 Best Ways Retirees Can Spend Their Savings 11:35 #1 Giving Back to God Through Tithes and Ministries 12:52 #2 Investing in the Next Generation 14:38 #3 Caring for Those in Need 15:53 #4 Investing in Personal Growth 17:14 #5 Prioritizing Health and Well-being 18:44 #6 Enjoying God's Blessings 20:04 #7 Planning for the Future 22:42 Call to Action 24:53 Key Takeaways and Actionable Steps 26:00 Closing Takeaways: --- Christian retirees should prioritize giving back to God through tithing and ministries. --- Investing in the next generation can create lasting family memories and impact. --- Supporting local charities and missionaries is a way to care for those in need. --- Personal growth is vital; retirees should invest in learning and new skills. --- Planning for future needs, like healthcare, is essential for retirement peace of mind. --- Enjoy God's blessings through meaningful travels and family experiences that matter. Links referenced in this episode: ---Ask Ralph Insiders Community [https://mailchi.mp/askralph.com/group] (https://mailchi.mp/askralph.com/group) ---Ask Ralph Show Live [https://] (https://justaskralph.com/) [askralphpodcast.com/live] (http://askralphpodcast.com/live) ---What is your question that you would like to ask Ralph? Send Your Question here: [https://justaskralph.com/] (https://justaskralph.com/) ---Join our email list and get a free copy of “Mastering Your Finances” at [https://askralph.com/] (https://askralph.com/) [LISTEN NOW] (https://www.askralphpodcast.com/) [WATCH NOW ON YOUTUBE] (https://www.youtube.com/channel/UC1ZyJLydWUPqYaF2mS1l1Yg) (OUR VIDEO VERSION) [WATCH NOW ON RUMBLE] (https://rumble.com/c/ASKRALPHPODCAST) (OUR VIDEO VERSION) [VISIT OUR ASK RALPH SHOW GEAR STORE] (https://askralph-shop.fourthwall.com/?source=dashboard) FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" [JOIN OUR FACEBOOK INSIDERS GROUP] (https://www.facebook.com/share/W39nbmnKqtgqr9om/?mibextid=K35XfP) [SUPPORT THE SHOW] (https://ASKRALPHPODCAST.COM/SUPPORT) Please share our Podcast with all your friends and family! Submit your questions or ideas for future shows - email us at [ralph@askralph.com] (mailto:ralph@askralph.com) or leave a voicemail message on our podcast page [Leave A Voicemail Message] (https://www.askralphpodcast.com/) Like us on Facebook and follow us on Facebook at [https://www.facebook.com/askralphmedia] (https://www.facebook.com/askralphmedia) Twitter (@askralphmedia) or visit [www.askralphpodcast.com] (https://www.askralphpodcast.com/) for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to [www.askralph.com] (https://www.askralph.com/) for more information! Buy Ralph's Book - Mastering Your Finances! on [Amazon] (https://www.amazon.com/MASTERING-YOUR-FINANCES-Comprehensive-Financial/dp/B0CN5Q9PSJ/ref=sr_1_1?crid=3T7LBW5MT5G0L&keywords=ralph+estep&qid=1702750208&sprefix=ralph+estep%2Caps%2C90&sr=8-1) Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journeyon [Amazon] (https://a.co/d/1AUENOB) ... Read more

30 Dec 2024

27 MINS

27:58

30 Dec 2024

#605

How do I create an Estate plan with a Kingdom impact?

Creating an estate plan with a kingdom impact is a profound way to ensure your legacy continues to bless others long after you're gone. Ralph Estep Jr. dives deep into the importance of balancing financial stewardship for your family while also supporting God's kingdom through thoughtful estate planning. He shares heartfelt stories of individuals who have made significant impacts through their planned giving, such as supporting missionaries or funding education for underserved communities. Ralph emphasizes that effective estate planning is not just about distributing wealth but about crafting a lasting spiritual legacy that resonates through generations. Tune in to discover practical steps and inspiring examples that can transform your approach to estate planning into a joyful expression of faith and generosity—creating an Estate Plan with a Kingdom Impact. [https://www.askralphpodcast.com/create-an-estate-plan/] (https://www.askralphpodcast.com/create-an-estate-plan/) Podcast Timestamps: 00:00 Episode Overview 01:20 Listener’s Question: Pedro’s Desire for a Kingdom-Focused Legacy 03:06 Bible Verse: Matthew 6:19-20 – Storing Treasures in Heaven 04:13 Real-Life Story: Transforming a Family Business for Kingdom Impact 07:50 Key Components of Kingdom Estate Planning 07:55 #1 Radical Stewardship in Action 09:38 #2 Legal Frameworks for Multiplying Impact 15:26 Powerful Opportunities For Kingdom Estate Planning 20:43 Call to Action 24:43 Action Steps for Kingdom Estate Planning 24:50 #1 Seek Godly Counsel 25:20 #2 Regular Review and Prayer 26:02 #3 Strategic Beneficiary Designations 26:34 Closing Takeaways: --- Creating an estate plan with a kingdom impact requires thoughtful consideration of both family and faith. --- Planning your legacy now can ensure that your resources continue to serve God’s purpose after you’re gone. --- It's essential to find a godly counsel who understands both legal and Christian principles in estate planning. --- Radical stewardship involves using your assets for ministry and supporting Christian initiatives for future generations. --- Regularly review your estate plan to ensure it aligns with your evolving spiritual journey and family needs. --- Teaching your children about financial stewardship can inspire them to become generous givers, continuing your legacy. Links referenced in this episode: ---Ask Ralph Insiders Community [https://mailchi.mp/askralph.com/group] (https://mailchi.mp/askralph.com/group) ---Ask Ralph Show Live [https://] (https://justaskralph.com/) [askralphpodcast.com/live] (http://askralphpodcast.com/live) ---What is your question that you would like to ask Ralph? Send Your Question here: [https://justaskralph.com/] (https://justaskralph.com/) ---Join our email list and get a free copy of “Mastering Your Finances” at [https://askralph.com/] (https://askralph.com/) [LISTEN NOW] (https://www.askralphpodcast.com/) [WATCH NOW ON YOUTUBE] (https://www.youtube.com/channel/UC1ZyJLydWUPqYaF2mS1l1Yg) (OUR VIDEO VERSION) [WATCH NOW ON RUMBLE] (https://rumble.com/c/ASKRALPHPODCAST) (OUR VIDEO VERSION) [VISIT OUR ASK RALPH SHOW GEAR STORE] (https://askralph-shop.fourthwall.com/?source=dashboard) FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" [JOIN OUR FACEBOOK INSIDERS GROUP] (https://www.facebook.com/share/W39nbmnKqtgqr9om/?mibextid=K35XfP) [SUPPORT THE SHOW] (https://ASKRALPHPODCAST.COM/SUPPORT) Please share our Podcast with all your friends and family! Submit your questions or ideas for future shows - email us at [ralph@askralph.com] (mailto:ralph@askralph.com) or leave a voicemail message on our podcast page [Leave A Voicemail Message] (https://www.askralphpodcast.com/) Like us on Facebook and follow us on Facebook at [https://www.facebook.com/askralphmedia] (https://www.facebook.com/askralphmedia) Twitter (@askralphmedia) or visit [www.askralphpodcast.com] (https://www.askralphpodcast.com/) for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to [www.askralph.com] (https://www.askralph.com/) for more information! Buy Ralph's Book - Mastering Your Finances! on [Amazon] (https://www.amazon.com/MASTERING-YOUR-FINANCES-Comprehensive-Financial/dp/B0CN5Q9PSJ/ref=sr_1_1?crid=3T7LBW5MT5G0L&keywords=ralph+estep&qid=1702750208&sprefix=ralph+estep%2Caps%2C90&sr=8-1) Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journeyon [Amazon] (https://a.co/d/1AUENOB) ... Read more

29 Dec 2024

28 MINS

28:15

29 Dec 2024

#604

What are the top upgrades you can make to your home which make it harder to sell?

Home improvements can sometimes backfire, making your house harder to sell rather than increasing its value. Ralph shares a cautionary tale about his client Harold, who invested over $75,000 in upgrades, only to face an unexpected job transfer that forced him to sell. The episode delves into the types of renovations that could hurt your home’s appeal, such as luxurious appliances, garage conversions, and overly personalized design choices. Ralph emphasizes the importance of choosing upgrades that are neutral and timeless, appealing to a broad range of potential buyers. Tune in for actionable insights on how to avoid costly mistakes, make informed decisions about home renovations, and recognize the top upgrades you can make to your home which make it harder to sell. [https://www.askralphpodcast.com/harder-to-sell/] (https://www.askralphpodcast.com/harder-to-sell/) Podcast Timestamps: 00:00 Episode Overview 01:14 Listener’s Question: Avoiding Costly Home Upgrades 02:16 Bible Verse: Proverbs 24:3-4 – Building with Wisdom 02:50 Real-Life Story: Harold’s Over-The-Top Upgrades 05:52 Key Upgrades to Avoid When Selling Your Home 05:56 #1 Wall-to-Wall Carpeting 06:44 #2 Textured Walls or Popcorn Ceilings 07:31 #3 Bold or Unusual Design Choices 08:08 #4 Formal Dining Rooms 09:00 #5 Over-Engineered Features 09:54 #6 Unfinished Projects 10:40 #7 Luxury Appliances 12:07#8 Garage Conversions 13:06 #9 Poor DIY Work 14:47 Harold’s Outcome and Lessons Learned 17:48 Call to Action 20:06 Action Steps for Smart Home Improvements 22:55 Closing Takeaways: --- Investing in home upgrades without proper research can lead to significant financial losses when selling. --- Personalized home features, like custom theaters and koi ponds, may deter potential buyers. --- Timeless and neutral improvements generally appeal to a wider range of homebuyers. --- Understanding the balance between wants and needs is crucial in home renovation decisions. --- Avoid over-engineered home features, as they can decrease the perceived value to buyers. --- Consulting with real estate professionals before major renovations helps avoid costly mistakes. Links referenced in this episode: ---Leave a Review [https://www.askralphpodcast.com/review] (https://www.askralphpodcast.com/review) ---Ask Ralph Insiders Community [https://mailchi.mp/askralph.com/group] (https://mailchi.mp/askralph.com/group) ---Ask Ralph Show Live [https://] (https://justaskralph.com/) [askralphpodcast.com/live] (http://askralphpodcast.com/live) ---What is your question that you would like to ask Ralph? Send Your Question here: [https://justaskralph.com/] (https://justaskralph.com/) ---Join our email list and get a free copy of “Mastering Your Finances” at [https://askralph.com/] (https://askralph.com/) [LISTEN NOW] (https://www.askralphpodcast.com/) [WATCH NOW ON YOUTUBE] (https://www.youtube.com/channel/UC1ZyJLydWUPqYaF2mS1l1Yg) (OUR VIDEO VERSION) [WATCH NOW ON RUMBLE] (https://rumble.com/c/ASKRALPHPODCAST) (OUR VIDEO VERSION) [VISIT OUR ASK RALPH SHOW GEAR STORE] (https://askralph-shop.fourthwall.com/?source=dashboard) FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" [JOIN OUR FACEBOOK INSIDERS GROUP] (https://www.facebook.com/share/W39nbmnKqtgqr9om/?mibextid=K35XfP) [SUPPORT THE SHOW] (https://ASKRALPHPODCAST.COM/SUPPORT) Please share our Podcast with all your friends and family! Submit your questions or ideas for future shows - email us at [ralph@askralph.com] (mailto:ralph@askralph.com) or leave a voicemail message on our podcast page [Leave A Voicemail Message] (https://www.askralphpodcast.com/) Like us on Facebook and follow us on Facebook at [https://www.facebook.com/askralphmedia] (https://www.facebook.com/askralphmedia) Twitter (@askralphmedia) or visit [www.askralphpodcast.com] (https://www.askralphpodcast.com/) for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to [www.askralph.com] (https://www.askralph.com/) for more information! Buy Ralph's Book - Mastering Your Finances! on [Amazon] (https://www.amazon.com/MASTERING-YOUR-FINANCES-Comprehensive-Financial/dp/B0CN5Q9PSJ/ref=sr_1_1?crid=3T7LBW5MT5G0L&keywords=ralph+estep&qid=1702750208&sprefix=ralph+estep%2Caps%2C90&sr=8-1) Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journeyon [Amazon] (https://a.co/d/1AUENOB) ... Read more

28 Dec 2024

24 MINS

24:45

28 Dec 2024

#603

Why I probably shouldn’t consider a reverse mortgage?

Are you considering a reverse mortgage as a way to tap into your home's equity? Ralph Estep Jr. dives deep into the potential pitfalls of these loans, highlighting how they may not be the financial blessing they appear to be. Through a cautionary tale about a client named Patty, Ralph illustrates the importance of understanding the hidden costs and risks associated with reverse mortgages. He emphasizes the need for thorough evaluation and consultation with a financial advisor before making such a significant decision. With a blend of personal anecdotes, practical advice, and a faith-based perspective, Ralph encourages listeners to seek wisdom in their financial journeys, explore alternative options, and carefully consider a reverse mortgage only when it aligns with their long-term goals. [https://www.askralphpodcast.com/consider-a-reverse-mortgage/] (https://www.askralphpodcast.com/consider-a-reverse-mortgage/) Podcast Timestamps: 00:00 Episode Overview 01:01 Listener’s Question: Margaret’s Concerns About Reverse Mortgages 02:34 Bible Verse: Hebrews 13:5 – Trust in God’s Provision 03:04 Real-Life Story: Why Patty Reconsidered Her Reverse Mortgage Decision 11:54 Call to Action 14:52 Actionable Steps You Can Take 16:40 Closing Takeaways: --- Reverse mortgages may seem appealing, but they come with significant long-term financial risks. --- Consulting with a financial advisor can help you see beyond enticing celebrity endorsements. --- It's crucial to calculate all fees associated with a reverse mortgage before signing any agreements. --- Discussing your financial decisions with family can provide valuable insights and support. --- Exploring alternative options, such as a home equity line of credit, can be beneficial. --- Praying for wisdom and seeking godly counsel should be part of your financial decision-making process. Links referenced in this episode: Ask Ralph Insiders Community [https://mailchi.mp/askralph.com/group] (https://mailchi.mp/askralph.com/group) Ask Ralph Show Live [https://askralphpodcast.com/live] (https://askralphpodcast.com/live) What is your question that you would like to ask Ralph? Send Your Question here: [https://justaskralph.com/ ] (https://justaskralph.com/) Join our email list and get a free copy of “Mastering Your Finances” at [https://askralph.com/] (https://askralph.com/) [LISTEN NOW] (https://www.askralphpodcast.com/) [WATCH NOW ON YOUTUBE] (https://www.youtube.com/channel/UC1ZyJLydWUPqYaF2mS1l1Yg) (OUR VIDEO VERSION) [WATCH NOW ON RUMBLE] (https://rumble.com/c/ASKRALPHPODCAST) (OUR VIDEO VERSION) [VISIT OUR ASK RALPH SHOW GEAR STORE] (https://askralph-shop.fourthwall.com/?source=dashboard) FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" [JOIN OUR FACEBOOK INSIDERS GROUP] (https://www.facebook.com/share/W39nbmnKqtgqr9om/?mibextid=K35XfP) [SUPPORT THE SHOW] (https://ASKRALPHPODCAST.COM/SUPPORT) Please share our Podcast with all your friends and family! Submit your questions or ideas for future shows - email us at [ralph@askralph.com] (mailto:ralph@askralph.com) or leave a voicemail message on our podcast page [Leave A Voicemail Message] (https://www.askralphpodcast.com/) Like us on Facebook and follow us on Facebook at [https://www.facebook.com/askralphmedia] (https://www.facebook.com/askralphmedia) Twitter (@askralphmedia) or visit [www.askralphpodcast.com] (https://www.askralphpodcast.com/) for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to [www.askralph.com] (https://www.askralph.com/) for more information! Buy Ralph's Book - Mastering Your Finances! on [Amazon] (https://www.amazon.com/MASTERING-YOUR-FINANCES-Comprehensive-Financial/dp/B0CN5Q9PSJ/ref=sr_1_1?crid=3T7LBW5MT5G0L&keywords=ralph+estep&qid=1702750208&sprefix=ralph+estep%2Caps%2C90&sr=8-1) Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journeyon [Amazon] (https://a.co/d/1AUENOB) ... Read more

27 Dec 2024

18 MINS

18:42

27 Dec 2024

#602

How do I prepare for handling my 2024 tax preparation?

Feeling overwhelmed about the upcoming tax season? You’re not alone, as many small business owners, like Noah from Oregon, share the same anxiety about preparing their taxes correctly. This podcast dives into practical strategies for tackling tax preparation with confidence and peace of mind. Ralph Estep Jr. shares a powerful story about a small business owner named Fred, who hadn’t filed his taxes in over a decade and felt burdened by guilt and financial anxiety. By organizing his documents and implementing a systematic tax management plan, Fred transformed his approach to taxes, ultimately finding peace both spiritually and financially. Join Ralph as he outlines actionable steps and insightful advice to help you not only prepare for tax season but also honor God with your financial resources, all while handling your 2024 tax preparation with clarity and confidence. [https://www.askralphpodcast.com/2024-tax-preparation/] (https://www.askralphpodcast.com/2024-tax-preparation/) Podcast Timestamps: 00:00 Episode Overview 00:57 Listener’s Question: Preparing for 2024 Taxes 01:51 Bible Verse: Colossians 3:23 – Working with All Your Heart 02:23 Real-Life Story: Fred’s Tax Journey 09:55 Key Tax Preparation Steps 10:00 #1 Gather All Necessary Tax Documents 10:40 #2 Create a Dedicated System for Organization 11:01 #3 Review Your Income And Expenses Carefully 12:29 #4 Understand Potential Deductions and Credits that Apply to Your Situation 13:31 #5 Consider Tax-Efficient Strategies 15:46 Call to Action 17:34 Actionable Steps for a Stress-Free Tax Season 20:15 Closing Takeaways: --- Feeling overwhelmed by tax season is common, but effective planning can alleviate stress. --- Organizing financial documents by year and category simplifies tax preparation significantly. --- Understanding both practical and spiritual dimensions of financial management can enhance stewardship. --- Consider working with tax professionals who share your Christian values for better guidance. --- Start gathering tax documents now, including W2s, 1099s, and receipts for deductions. --- Establish a dedicated space for tax documents to maintain organization throughout the year. Links referenced in this episode: ---Ask Ralph Insiders Community [https://mailchi.mp/askralph.com/group] (https://mailchi.mp/askralph.com/group) ---Ask Ralph Show Live [https://] (https://justaskralph.com/) [askralphpodcast.com/live] (http://askralphpodcast.com/live) ---What is your question that you would like to ask Ralph? Send Your Question here: [https://justaskralph.com/] (https://justaskralph.com/) ---Join our email list and get a free copy of “Mastering Your Finances” at [https://askralph.com/] (https://askralph.com/) ---Leave a Review [askralphpodcast.com/review] (https://askralphpodcast.com/review) [LISTEN NOW] (https://www.askralphpodcast.com/) [WATCH NOW ON YOUTUBE] (https://www.youtube.com/channel/UC1ZyJLydWUPqYaF2mS1l1Yg) (OUR VIDEO VERSION) [WATCH NOW ON RUMBLE] (https://rumble.com/c/ASKRALPHPODCAST) (OUR VIDEO VERSION) [VISIT OUR ASK RALPH SHOW GEAR STORE] (https://askralph-shop.fourthwall.com/?source=dashboard) FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" [JOIN OUR FACEBOOK INSIDERS GROUP] (https://www.facebook.com/share/W39nbmnKqtgqr9om/?mibextid=K35XfP) [SUPPORT THE SHOW] (https://ASKRALPHPODCAST.COM/SUPPORT) Please share our Podcast with all your friends and family! Submit your questions or ideas for future shows - email us at [ralph@askralph.com] (mailto:ralph@askralph.com) or leave a voicemail message on our podcast page [Leave A Voicemail Message] (https://www.askralphpodcast.com/) Like us on Facebook and follow us on Facebook at [https://www.facebook.com/askralphmedia] (https://www.facebook.com/askralphmedia) Twitter (@askralphmedia) or visit [www.askralphpodcast.com] (https://www.askralphpodcast.com/) for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to [www.askralph.com] (https://www.askralph.com/) for more information! Buy Ralph's Book - Mastering Your Finances! on [Amazon] (https://www.amazon.com/MASTERING-YOUR-FINANCES-Comprehensive-Financial/dp/B0CN5Q9PSJ/ref=sr_1_1?crid=3T7LBW5MT5G0L&keywords=ralph+estep&qid=1702750208&sprefix=ralph+estep%2Caps%2C90&sr=8-1) Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journeyon [Amazon] (https://a.co/d/1AUENOB) ... Read more

26 Dec 2024

22 MINS

22:05

26 Dec 2024

#601

What is the true meaning of Christmas from a Christian perspective?

Are you feeling overwhelmed by the commercialization of Christmas? Ralph addresses this concern head-on, emphasizing that the true meaning of Christmas is about celebrating God's greatest gift—Jesus Christ—rather than the material aspects often overshadowed by holiday pressures. He shares personal experiences and practical strategies for maintaining the Christmas spirit while being financially responsible. By focusing on spiritual foundations, setting reasonable gift budgets, and embracing a purpose-driven approach to giving, families can create meaningful celebrations that prioritize faith over consumerism. Join Ralph as he guides listeners through actionable steps to keep the holiday season joyful and financially sound, all while celebrating Christmas from a Christian perspective. [https://www.askralphpodcast.com/christmas-from-a-christian/] (https://www.askralphpodcast.com/christmas-from-a-christian/) Podcast Timestamps: 00:00 Episode Overview 00:54 Listener’s Question: Maintaining the True Spirit of Christmas 02:08 Bible Verse: Matthew 6:31-33 – Seeking God’s Kingdom First 04:55 Kingdom-First Christmas Strategy 05:01 #1 Spiritual Foundation First 05:59 #2 Stewardship in Action 08:08 #3 Purpose-Driven Giving 10:10 #4 Building a Lasting Legacy 11:35 #5 Balancing Profitability and Purpose 14:50 Prayer 16:57 Call to Action 18:50 Practical Action Steps for a Financially Responsible Christmas 26:30 Closing Takeaways: --- The true meaning of Christmas goes beyond materialism; it centers on celebrating Jesus' birth. --- Implementing a three-gift rule can help maintain the focus on meaningful giving. --- Creating a gratitude practice can shift the mindset from materialism to appreciation. --- Establishing a Christmas savings fund enables thoughtful planning and reduces financial strain during the holidays. --- Purpose-driven giving fosters a spirit of generosity and teaches children the joy of helping others. --- Mindful spending habits help avoid impulsive purchases and align financial decisions with personal values. Links referenced in this episode: --- [askralphpodcast.com/christmas] (https://askralphpodcast.com/christmas) ---Ask Ralph Insiders Community [https://mailchi.mp/askralph.com/group] (https://mailchi.mp/askralph.com/group) ---Ask Ralph Show Live [https://] (https://justaskralph.com/) [askralphpodcast.com/live] (http://askralphpodcast.com/live) ---What is your question that you would like to ask Ralph? Send Your Question here: [https://justaskralph.com/] (https://justaskralph.com/) ---Join our email list and get a free copy of “Mastering Your Finances” at [https://askralph.com/] (https://askralph.com/) Companies mentioned in this episode: --- Amazon --- Target --- Walmart [LISTEN NOW] (https://www.askralphpodcast.com/) [WATCH NOW ON YOUTUBE] (https://www.youtube.com/channel/UC1ZyJLydWUPqYaF2mS1l1Yg) (OUR VIDEO VERSION) [WATCH NOW ON RUMBLE] (https://rumble.com/c/ASKRALPHPODCAST) (OUR VIDEO VERSION) [VISIT OUR ASK RALPH SHOW GEAR STORE] (https://askralph-shop.fourthwall.com/?source=dashboard) FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" [JOIN OUR FACEBOOK INSIDERS GROUP] (https://www.facebook.com/share/W39nbmnKqtgqr9om/?mibextid=K35XfP) [SUPPORT THE SHOW] (https://ASKRALPHPODCAST.COM/SUPPORT) Please share our Podcast with all your friends and family! Submit your questions or ideas for future shows - email us at [ralph@askralph.com] (mailto:ralph@askralph.com) or leave a voicemail message on our podcast page [Leave A Voicemail Message] (https://www.askralphpodcast.com/) Like us on Facebook and follow us on Facebook at [https://www.facebook.com/askralphmedia] (https://www.facebook.com/askralphmedia) Twitter (@askralphmedia) or visit [www.askralphpodcast.com] (https://www.askralphpodcast.com/) for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to [www.askralph.com] (https://www.askralph.com/) for more information! Buy Ralph's Book - Mastering Your Finances! on [Amazon] (https://www.amazon.com/MASTERING-YOUR-FINANCES-Comprehensive-Financial/dp/B0CN5Q9PSJ/ref=sr_1_1?crid=3T7LBW5MT5G0L&keywords=ralph+estep&qid=1702750208&sprefix=ralph+estep%2Caps%2C90&sr=8-1) Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journeyon [Amazon] (https://a.co/d/1AUENOB) ... Read more

25 Dec 2024

27 MINS

27:53

25 Dec 2024

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#629

Tax Identity Theft: Is Someone Filing Returns in Your Name?

#628

Does Saving for Emergencies Mean We Don't Trust God?

#627

How do I find peace with God?

#626

Help! I Just Got a 1099 - What Is It and What Do I Do Now?

#625

How do I teach my children about biblical money principles?

#624

Do I have to pay taxes when I sell my home?

#623

I spent too much at Christmas - how do I pay down my credit card debt?

#622

What is a tax refund loan and why are they such a terrible idea?

#621

How will I ever be able to buy a home?

#620

Should Christians invest in the stock market?

#619

Why should I wait until 70 to collect social security?

#618

What are ways to distribute wealth to my heirs to prevent tax issues?

#617

How do I handle my taxes when I live in one state and work in another?

#616

What are the steps I can take to finally take control of my finances-My interview with Robert Plank

#615

What are 16 ways that tech can make life easier for older people?

#614

What do I do if I suspect my Mom has dementia and she’s still handling her own finances?

#613

How can I break the cycle of classic humanism and embrace true Christianity?

#612

What are treasury inflation protected securities (TIPS) and why should someone hold them?

#611

If my social security number has already been compromised – how do I stay safe?

#610

Your Daily Guide to Financial Freedom: Welcome to Ask Ralph

#609

What are 12 sources of non-taxable income?

#608

How can I start the New Year on the best financial path?

#607

What are the top 7 reasons why I should not open a CD?

#606

What are the 7 best things for retirees to spend their savings on?

#605

How do I create an Estate plan with a Kingdom impact?

#604

What are the top upgrades you can make to your home which make it harder to sell?

#603

Why I probably shouldn’t consider a reverse mortgage?

#602

How do I prepare for handling my 2024 tax preparation?

#601

What is the true meaning of Christmas from a Christian perspective?