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Ask Ralph - Christian Finance podcast

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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.

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.

 

All

Progress

Duration

Release Date

#566

What are 7 things I can do to get the highest price when selling my car?

Are you leaving thousands of dollars on the table when selling your car? Today, Ralph shares a compelling story about a client named Bill, who transformed a $12,000 trade-in offer into an impressive $17,500 through a private sale. Ralph outlines seven essential principles that can help you maximize your car's selling price, including the importance of documentation, strategic timing, and professional detailing. He emphasizes that taking the time to sell privately, despite the challenges, can yield significantly better financial outcomes. Tune in to discover not only practical steps to enhance your vehicle's value but also insights on navigating the selling process with integrity and confidence, making you rethink your approach to selling my car. [https://www.askralphpodcast.com/selling-my-car/] (https://www.askralphpodcast.com/selling-my-car/) Podcast Timestamps: 00:00 Episode Overview 01:09 Listener’s Question: How to Get the Best Price on My Car 03:10 Bible Verse: Colossians 3:23 – Doing Your Best for God 04:33 Real-Life Story: Bill’s $5,500 Increase on His Car Sale 08:27 Key Strategies to Maximize Car Sale Price 16:36 Call to Action 18:05 Lifetime Value Maximization Tips 18:51 Action Steps You Can Take 20:41 Closing Takeaways: --- Selling your car privately can yield significantly more money compared to trade-ins, often by 15-30%. --- Proper documentation of your vehicle's maintenance history is crucial to increasing its resale value. --- Timing your sale is essential; consider selling when potential buyers have extra cash, like tax refund season. --- Investing in professional detailing can lead to a quicker sale and higher offers. --- Quality photos and honest descriptions of your vehicle help attract serious buyers and avoid wasting time. --- Choosing the right selling platform is vital; use multiple platforms to maximize your reach. Links referenced in this episode: --- [https://www.askralphpodcast.com/survey] (https://www.askralphpodcast.com/survey) --- [http://www.askralphpodcast.com/christmas] (http://www.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: --- Carvana --- Kelley Blue Book [TAKE OUR LISTENER SURVEY] (https://www.askralphpodcast.com/survey) - YOU COULD WIN $250 [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) 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

24 hrs Ago

22 MINS

22:44

24 hrs Ago

#565

I’ve been scammed online – what are 5 things I should do immediately?

Have you ever fallen victim to an online scam, leaving you feeling helpless and ashamed? Today, Ralph Estep Jr. shares vital steps you can take in the first 24 hours after being scammed to regain control and begin the recovery process. With powerful stories of individuals who faced similar challenges, Ralph outlines immediate actions you can implement, such as freezing your bank accounts and changing passwords. He emphasizes the importance of documenting everything and reporting the crime to local authorities to protect your identity and finances. Tune in to learn how to transform from a victim to a victor and safeguard yourself against future scams, maintaining your faith, financial well-being, and resilience after having been scammed online. [https://www.askralphpodcast.com/been-scammed-online/] (https://www.askralphpodcast.com/been-scammed-online/) Podcast Timestamps: 00:00 Episode Overview 01:00 Listener’s Question: Tiffany’s Story of Online Fraud 03:22 Bible Verse: 2 Timothy 1:7 – Overcoming Fear with Faith 05:07 Story #1: Martha’s Tech Support Nightmare 08:28 Story #2: David’s Small Business Nightmare 11:59 Story #3: The Johnson Family's Rental Scam 15:35 The Five Critical Steps To Take Immediately 19:26 Call to Action 20:33 Preventive Measures for Avoiding Future Scams 23:29 Closing Takeaways: --- The first 24 hours after discovering a scam are critical for recovery. --- Always document every interaction related to the scam for future reference. --- Never wire money without verifying the recipient through a second channel. --- Contact your bank immediately to freeze accounts and prevent further losses. --- Be cautious of deals that seem too good to be true, as they often are. --- Utilize multifactor authentication to enhance your online security against potential scams. Links referenced in this episode: --- [http://www.askralphpodcast.com/christmas] (http://www.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: --- Microsoft [TAKE OUR LISTENER SURVEY] (https://www.askralphpodcast.com/survey) - YOU COULD WIN $250 [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) 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

25 MINS

25:37

Yesterday

#564

What are 5 things to consider before buying groceries with my credit card?

Are you feeling trapped in a cycle of credit card debt, especially when it comes to everyday expenses like groceries? Ralph Estep Jr. tackles this issue head-on, sharing five crucial considerations for using credit cards wisely without falling into debt. From the importance of maintaining an emergency fund to understanding the impact of credit utilization, Ralph provides practical strategies to make credit card perks work for you instead of against you. He shares real-life stories from clients who learned valuable lessons about budgeting and spending, emphasizing the need to track every purchase and set up automatic payments. Join Ralph as he guides you through creating a solid financial plan that lets you enjoy the benefits of using groceries with my credit card without the stress of accumulating debt. [https://www.askralphpodcast.com/groceries-with-my-credit-card/] (https://www.askralphpodcast.com/groceries-with-my-credit-card/) Podcast Timestamps: 00:00 Episode Overview 00:48 Listener’s Question: Struggling with Grocery Expenses on a Credit Card 01:47 Bible Verse: Proverbs 22:7 – Financial Discipline and Debt 02:16 Eye-Opening Stats on Why Smart Credit Card Use for Groceries Matters 04:57 Five Crucial Considerations Before Using Your Credit Card For Groceries 14:27 Big Takeaway 15:27 Call to Action 16:57 Action Steps You Can Take to Help Manage Credit Cards Wisely 19:21 Closing Takeaways: --- Before using your credit card for groceries, consider building an emergency fund to avoid debt cycles. --- Tracking your grocery spending can lead to significant savings and help you stick to a budget. --- Maintaining low credit utilization is essential; aim to keep it below 30% for better credit scores. --- Creating a dedicated grocery budget helps you plan your purchases and avoid impulse buys. --- Setting up automatic payments for your credit cards can prevent costly late fees and interest charges. --- Using credit cards wisely can earn rewards without incurring debt if managed properly. Links referenced in this episode: --- [http://www.askralphpodcast.com/christmas] (http://www.askralphpodcast.com/christmas) --- [https://www.bankrate.com/credit-cards/news/credit-card-debt-report/] (https://www.bankrate.com/credit-cards/news/credit-card-debt-report/) ---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 --- Bankrate --- Costco [TAKE OUR LISTENER SURVEY] (https://www.askralphpodcast.com/survey) - YOU COULD WIN $250 [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) 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 Nov 2024

21 MINS

21:19

18 Nov 2024

#563

How can I build effective Christian unity?

Building Christian unity is essential for strengthening both faith and finances within church communities, and today, Ralph dives into this important topic. He addresses a listener's concerns about division in her local church, particularly around financial decisions regarding a building fund versus community outreach. Through examining sobering statistics about church splits and conflicts, Ralph highlights the impact of disunity on spiritual and financial health. He shares practical steps to foster unity, including the importance of prayer, financial transparency, and finding common ground. With engaging anecdotes and actionable advice, this episode encourages listeners to cultivate a supportive, unified, and effective Christian community. [https://www.askralphpodcast.com/effective-christian-community/] (https://www.askralphpodcast.com/effective-christian-community/) Podcast Timestamps: 00:00 Episode Overview 01:00 Listener’s Question: Building Unity in Christian Communities 02:39 Bible Verse: Ecclesiastes 4:9-10 03:43 Reasons For Church Splits 08:31 Lessons Learned from Church Divisions 15:37 Call to Action 17:13 Closing Prayer 17:44 Action Steps 20:39 Closing Takeaways: --- Building Christian unity can enhance both spiritual fellowship and financial health in churches. --- Regular prayer meetings can significantly change perspectives before financial discussions occur. --- Practicing financial transparency is crucial for maintaining trust and unity within a church community. --- Finding common ground among differing opinions helps churches avoid divisive conflicts and church splits. --- Encouraging consensus in decision-making processes can lead to more harmonious church operations. --- Organizing fellowship events allows members with differing viewpoints to understand each other better. Links referenced in this episode: ---Guide to Surviving the Holidays without going Broke! [http://www.askralphpodcast.com/christmas] (http://www.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/) [TAKE OUR LISTENER SURVEY] (https://www.askralphpodcast.com/survey) - YOU COULD WIN $250 [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) 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 Nov 2024

22 MINS

22:21

17 Nov 2024

#562

My parents failed to prepare for retirement and are now 70 – what can I do to help them?

Are you worried about your aging parents' financial situation? This episode of the Ask Ralph Podcast dives into practical ways to support them, especially if they haven't adequately prepared for retirement. Ralph Estep Jr. examines the emotional and financial challenges families face when parents are reliant on Social Security alone, often struggling to make ends meet. He offers actionable steps, including creating a detailed budget, reviewing Social Security benefits, and considering housing and healthcare options. With insights grounded in real-life scenarios and statistics, this episode provides a heartfelt guide for navigating these tough conversations and finding solutions without jeopardizing your own financial future. Tune in for valuable advice on how to improve your parents' quality of life during their golden years, even if they failed to prepare. [https://www.askralphpodcast.com/parents-failed-to-prepare/] (https://www.askralphpodcast.com/parents-failed-to-prepare/) Podcast Timestamps: 00:00 Episode Overview 01:38 Listener’s Question 02:26 Bible Verse: 1 Timothy 5:8 04:35 Real-Life Story: A Client’s Journey to Support His Aging Parents 06:02 Understanding the Burden of Financial Struggles 09:16 Key Financial Steps to Help Aging Parents 15:47 Actionable Steps You Can Take 18:46 Call to Action 19:51 Closing Takeaways: --- Financial insecurity in seniors can stem from fixed incomes, rising healthcare costs, and housing expenses. --- It's crucial to create a detailed budget for aging parents to assess their financial situation. --- Exploring part-time job opportunities can provide additional income for seniors in need. --- Consider discussing downsizing or alternative housing options to reduce financial burdens on elderly parents. --- Engaging in estate planning and legal protection is vital for safeguarding assets and futures. --- A family meeting can help establish open communication about financial responsibilities and options. Links referenced in this episode: --- [https://www.askralphpodcast.com/survey] (https://www.askralphpodcast.com/survey) ---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 --- Walmart [TAKE OUR LISTENER SURVEY] (https://www.askralphpodcast.com/survey) - YOU COULD WIN $250 [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) 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 Nov 2024

21 MINS

21:40

16 Nov 2024

#561

Why don’t I feel like I’m doing well financially – even though I am according to most experts?

Feeling financially secure on paper but unsettled inside is a common struggle that many face, as highlighted by Shannon's heartfelt letter. Despite earning a solid income, having emergency savings, and contributing to retirement, she experiences anxiety and a sense of inadequacy. Ralph Estep Jr. delves into this paradox, exploring the reasons why financial success doesn’t always bring peace of mind. He identifies four hidden barriers to achieving true financial peace, including the expert trap, comparison curse, purpose gap, and faith-finance disconnect. By addressing these barriers and aligning financial goals with spiritual purpose, listeners can work towards finding genuine contentment and fulfillment in their financial journeys—even when they’re doing well financially. [https://www.askralphpodcast.com/doing-well-financially/] (https://www.askralphpodcast.com/doing-well-financially/) Podcast Timestamps: 00:00 Episode Overview 01:23 Listener’s Question: Feeling Financially Inadequate Despite Success 02:40 Bible Verse: Ecclesiastes 5:10-12 – Finding Contentment Beyond Wealth 03:39 Real-Life Story: Ralph’s Journey to Financial Satisfaction 05:00 The Four Hidden Barriers To Financial Peace 13:25 Call to Action 14:54 Key Action Steps You Can Take 20:37 Closing Takeaways: --- Financial success on paper doesn’t guarantee inner peace or contentment in life. --- The expert trap misleads individuals to prioritize financial metrics over personal fulfillment. --- Comparison with others often leads to anxiety instead of financial peace and satisfaction. --- Aligning financial decisions with personal faith can lead to more meaningful living. --- The purpose gap occurs when financial stability doesn’t align with one's spiritual purpose. --- Creating dedicated time for financial prayer can help alleviate anxiety about money. Links referenced in this episode: ---Guide for Surviving the Holidays Without Going Broke [http://www.askralphpodcast.com/christmas] (http://www.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/) [TAKE OUR LISTENER SURVEY] (https://www.askralphpodcast.com/survey) - YOU COULD WIN $250 [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) 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 Nov 2024

22 MINS

22:41

15 Nov 2024

#560

What is an EIN and why would I need one?

Are you unsure whether you need an EIN (Employer Identification Number) for your small business? Ralph addresses this common confusion, particularly for those starting out as sole proprietors. He explains that while having an EIN isn't legally required for every small business, it offers significant benefits, including easier banking, protection against identity theft, and compliance with hiring regulations. Through the story of a client who almost missed a major retail opportunity due to not having an EIN, Ralph illustrates the importance of proper planning and organization. Tune in to discover how to obtain an EIN and learn why it can be the foundation for your business's growth and success. So, what is an EIN exactly, and why might it be essential for your business journey? [https://www.askralphpodcast.com/what-is-an-EIN/] (https://www.askralphpodcast.com/what-is-an-EIN/) Podcast Timestamps: 00:00 Episode Overview 00:51 Listener’s Question: Do I Need an EIN? 02:09 Bible Verse: Proverbs 24:27 – The Importance of Proper Planning & Organization 02:40 What Is An EIN? 03:08 Real-Life Story of a Client: How an EIN Saved a Major Deal 04:54 What is an EIN and Why It’s Important 04:57 #1 EIN for Business Bank Accounts 05:23 #2 EIN for Hiring Employees 05:59 #3 EIN for Tax Filing and Entity Benefits 06:28 #4 EIN for Protecting Your SSN 07:06 #5 EIN for Business Licensing and Permits 09:42 Key Action Steps: 11:42 How To Get Your EIN 13:44 Important Tips 16:27 Recap and Tomorrow’s Episode Preview 17:13 Closing Takeaways: --- An EIN number serves as your business's Social Security number, essential for identification. --- Even as a sole proprietor, obtaining an EIN can protect your personal identity from theft. --- Banks typically require an EIN to open a business bank account, crucial for financial management. --- Hiring employees mandates an EIN for payroll processing, ensuring compliance with tax regulations. --- An EIN is necessary for filing business tax returns, separating personal from business affairs. --- Acquiring an EIN is free and can be done online through the IRS website. Links referenced in this episode: --- [www.irs.gov] (https://www.irs.gov) --- [askralphpodcast.com] (https://askralphpodcast.com) --- [askralphpodcast.com/review] (https://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/) [TAKE OUR LISTENER SURVEY] (https://www.askralphpodcast.com/survey) - YOU COULD WIN $250 [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) 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 Nov 2024

19 MINS

19:15

14 Nov 2024

#559

Why looking poor can be the key to being rich?

Looking poor could actually be your secret weapon for building real wealth. Ralph Estep Jr. shares two compelling stories that illustrate how living below your means can lead to financial abundance and the ability to serve others. The episode discusses the societal pressures to appear wealthy, contrasting them with the true essence of prosperity rooted in stewardship and generosity. Ralph emphasizes the importance of making intentional financial choices that align with one’s values and faith. He concludes with practical action steps to help listeners break free from the cycle of financial bondage and embrace a more fulfilling financial journey—showing that the key to being rich isn't in appearances, but in making wise, value-driven financial decisions. [https://www.askralphpodcast.com/key-to-being-rich/] (https://www.askralphpodcast.com/key-to-being-rich/) Podcast Timestamps: 00:00 Episode Overview 00:56 Listener’s Question: Michael's Struggle with Societal Expectations 02:18 Bible Verse: Matthew 6:33 – Seek first God’s kingdom 02:42 Real-Life Story: Harold's Hidden Wealth: A Lesson in Frugality 07:02 James's Journey: From Debt to Wealth 09:45 The True Meaning of Wealth: Deploying for God's Purpose 11:19 Action Steps to Financial Freedom 14:54 Closing Takeaways: --- Living below your means can lead to profound financial abundance and community service. --- True wealth is not about appearances but how you can serve a higher purpose. --- The societal pressure to show wealth can lead to financial struggles and unhappiness. --- Creating a Kingdom Impact Savings account can help align your finances with your values. --- Finding an accountability partner is crucial for maintaining financial discipline and growth. --- Practicing contentment with what you have is essential for long-term financial success. Links referenced in this episode: ---Escape The Paycheck To Paycheck Bondage Through 7 Biblical Principles [https://mailchi.mp/askralph/escape?redirect_from=podpage] (https://mailchi.mp/askralph/escape?redirect_from=podpage) ---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://www.youtube.com/live/AIZv2tZd7wU) ---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/) [TAKE OUR LISTENER SURVEY] (https://www.askralphpodcast.com/survey) - YOU COULD WIN $250 [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) 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 Nov 2024

16 MINS

16:59

13 Nov 2024

#558

How can I avoid losing my retirement benefits to an online scammer?

Are you worried about losing your retirement savings to online scammers? Ralph Estep Jr. tackles this critical concern by sharing personal stories and practical advice for protecting your financial future. He emphasizes the importance of discernment when it comes to investment opportunities and warns against acting under pressure, a lesson he learned from his own mother’s near-miss with a scam. Listeners will learn five concrete steps to safeguard their retirement, from establishing verification words with financial institutions to the necessity of multifactor authentication. Join Ralph as he combines real-world experiences with a Christian perspective, offering hope and strategies to help you navigate today’s increasingly sophisticated world of financial scams—ensuring you don’t fall victim to the fear of losing my retirement. [https://www.askralphpodcast.com/losing-my-retirement/] (https://www.askralphpodcast.com/losing-my-retirement/) Podcast Timestamps: 00:00 Episode Overview 00:57 Listener’s Question: Margaret’s Scare with an Investment Scam 02:20 Bible Verse: Proverbs 4:6-7 – Gaining Wisdom for Protection 02:54 Real-Life Story: Ralph’s Mother and a Spoofed Bank Call 05:19 Real-Life Story of Ralph’s Client 07:43 The Importance of Discernment 10:40 Five Steps to Protect Your Retirement 14:00 Closing Takeaways: --- Waking up in fear that your life savings could disappear is a common anxiety. --- It's essential to stay ahead of sophisticated online scams targeting your retirement funds. --- When in doubt about calls regarding your investments, always contact your bank directly. --- Establishing a verification word with financial institutions can add an extra layer of security. --- Never click on links in unsolicited emails, as they may lead to scams. --- Setting up multi-factor authentication is crucial for protecting your financial accounts. 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/) [TAKE OUR LISTENER SURVEY] (https://www.askralphpodcast.com/survey) - YOU COULD WIN $250 [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) 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 Nov 2024

15 MINS

15:41

12 Nov 2024

#557

How do I build a death binder and what should I include in it?

Creating a death binder is a crucial step in ensuring your loved ones are prepared to manage your affairs in the event of the unexpected. Ralph dives deep into the importance of organizing essential documents, accounts, and final wishes to provide peace of mind for both you and your family. Through personal anecdotes, he highlights the challenges many face when a family member passes without proper organization. As Ralph outlines, a well-structured binder can include legal documents, financial accounts, insurance information, and even personal notes to guide your loved ones through difficult times. Tune in to discover practical steps on how to build a death binder and give your family the gift of preparedness. [https://www.askralphpodcast.com/build-a-death-binder/] (https://www.askralphpodcast.com/build-a-death-binder/) Podcast Timestamps: 00:00 Episode Overview 01:01 Listener’s Question: Organizing Documents for Family Peace 02:13 Bible Verse: Proverbs 13:22 – Leaving an Inheritance 02:23 What Is A Death Binder And Why Do You Think It’s So Crucial? 05:28 Building Your Death Binder: Legal Documents Section 07:11 Financial Accounts Section 10:12 Insurance Information Section 11:50 Regular Reviews and Estate Planning Considerations 15:26 Action Steps to Create Your Death Binder 18:16 Closing Takeaways: --- A death binder is essential for organizing important documents to help your loved ones during challenging times. --- Creating a comprehensive binder ensures your family knows where to find vital information and financial accounts. --- Regularly reviewing your death binder is crucial to keep all information updated and relevant. --- Including detailed instructions for beneficiaries in your binder can prevent costly legal issues later on. --- Incorporate sections for legal documents, financial accounts, insurance policies, and emergency funds. --- Consider adding personal details like where to find family photos and spare keys for convenience. 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/) [TAKE OUR LISTENER SURVEY] (https://www.askralphpodcast.com/survey) - YOU COULD WIN $250 [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) 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 Nov 2024

20 MINS

20:02

11 Nov 2024

#556

What are some of the most popular misconceptions of money in scripture?

Money is often misunderstood, with many believing that it is the root of all evil or that God desires Christians to be poor. This episode delves into 11 dangerous misconceptions about money in scripture that could be hindering your financial growth and spiritual well-being. Ralph Estep Jr. shares personal stories and biblical insights to clarify how wealth can be a tool for good, enabling believers to support others and serve God. By addressing common myths, such as the belief that giving to God will lead to poverty or that financial planning shows a lack of faith, he aims to empower listeners to embrace a healthier perspective on money. Join Ralph as he guides you through this enlightening discussion, helping you achieve the financial freedom God desires for you, while shedding light on the misconceptions of money that may be holding you back. [https://www.askralphpodcast.com/misconceptions-of-money/] (https://www.askralphpodcast.com/misconceptions-of-money/) Podcast Timestamps: 00:00 Episode Overview 01:05 Listener’s Question: Misunderstanding Money and Wealth in the Bible 02:27 Bible Verse - 1 Timothy 6:17-19 04:02 Misconception #1: Money is the Root of All Evil 05:18 Misconception #2: God Wants Christians to be Poor 06:40 Misconception #3: Giving to God Means I'll Become Poor 08:24 Misconception #4: If I'm Spiritual Enough, God Will Provide Everything 09:59 Misconception #5: Making Profit is Somehow Unholy 11:37 Misconception #6: Financial Planning Shows a Lack of Faith 12:52 Misconception #7: Debt is Always Sinful 13:56 Misconception #8: Rich People Can't be Good Christians 15:04 Misconception #9: Money Discussions Don't Belong in Church 16:33 Misconception #10: Poverty Equals Holiness 17:41 Misconception #11: Financial Success Means God's Blessing 19:33 Key Takeaways on Money and Stewardship 23:59 Prayer for Financial Wisdom 26:16 Closing Takeaways: --- The common saying that money is the root of all evil is a misunderstanding; it's the love of money that leads to evil. --- Achieving financial success as a Christian doesn't mean you are unspiritual; it can be a tool for good. --- Misconceptions about money can create financial paralysis, preventing individuals from being good stewards. --- God provides tools and resources to manage finances wisely, aligning with biblical principles. --- Giving to God doesn't mean you will become poor; it can lead to financial freedom. --- Financial planning is not a lack of faith; it's a wise approach to God's provision. 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/) ---Escape The Paycheck To Paycheck Bondage Through 7 Biblical Principles [https://mailchi.mp/askralph/escape?redirect_from=podpage] (https://mailchi.mp/askralph/escape?redirect_from=podpage) [TAKE OUR LISTENER SURVEY] (https://www.askralphpodcast.com/survey) - YOU COULD WIN $250 [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) 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 Nov 2024

27 MINS

27:06

10 Nov 2024

#555

What are common things that most people don’t know about social security?

Are you lying awake at night, worried that Social Security won't be enough to cover your retirement? You're not alone; many Christians share this concern about their financial future. Ralph dives into nine critical insights about Social Security that financial advisors often overlook, helping to demystify this important topic. By understanding these key elements, listeners can make informed decisions and potentially secure a more stable financial future. From the importance of full retirement age to spousal benefits and the impact of taxes, Ralph guides you through essential strategies that could lead to significant lifetime benefits. Tune in as he shares real-life stories and practical advice, ensuring you're equipped to navigate your retirement planning with confidence and peace of mind—because there’s so much you need to know about Social Security. [https://www.askralphpodcast.com/know-about-social-security/] (https://www.askralphpodcast.com/know-about-social-security/) Podcast Timestamps: 00:00 Episode Overview 01:22 Listener’s Question: How Does Social Security Impact Retirement? 02:08 Bible Verse: Proverbs 21:20 03:15 9 Crucial Elements Of Social Security That Many People Are Not Aware Of 03:23 Full Retirement Age Surprise 04:18 The Spousal Benefit Secret 04:58 The Working Penalty 06:17 The Tax Trap 07:05 The Survivor Benefit 08:08 The Do-Over Rule 09:10 The Divorce Benefit 09:54 The COLA Mystery 10:55 The Earnings Record 11:54 Action Steps 13:37 Medicaid Estate Recovery: What You Should Know 17:59 Conclusion and Call to Action Takeaways: --- Understanding your full retirement age can significantly impact your Social Security benefits. --- Many people are unaware that spousal benefits can provide additional income during retirement. --- Working while receiving Social Security before full retirement age can lead to penalties and income loss. --- It's crucial to verify your earnings record with the Social Security Administration to avoid surprises. --- Social Security benefits can be taxed, affecting your overall retirement income strategy. --- Planning ahead for long-term care and Medicaid estate recovery is essential to protect your assets. 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/) ---Social Security [https://ssa.gov/] (https://ssa.gov/) [TAKE OUR LISTENER SURVEY] (https://www.askralphpodcast.com/survey) - YOU COULD WIN $250 [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) 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 Nov 2024

20 MINS

20:24

09 Nov 2024

#554

What are 7 alternatives to buying a home in your golden years?

Feeling overwhelmed by the maintenance of a large family home during retirement? You're not alone, and today, Ralph Estep Jr. challenges the notion that homeownership is the only way to enjoy your golden years. He shares powerful stories of clients who found peace and financial freedom by exploring alternative housing options, such as luxury RV living, continuing care retirement communities, and home sharing. With seven practical alternatives presented, Ralph emphasizes the importance of financial stewardship while maintaining a fulfilling lifestyle. Tune in for insights that could transform your retirement experience and help you discover what truly matters beyond the walls of your home in your golden years. [https://www.askralphpodcast.com/home-in-your-golden-years/] (https://www.askralphpodcast.com/home-in-your-golden-years/) Podcast Timestamps: 00:00 Episode Overview 01:06 Listener’s Question: Martha's Dilemma with Keeping a Large Family Home 02:26 Bible Verse - Philippians 4:11-12 03:00 Story 1: John and Mary's RV Adventure 05:15 Story 2: Sarah's Journey to a Retirement Community 07:03 Story 3: Tom and Linda's Home Sharing Experience 08:44 7 Alternative Ideas To Buying A Home 19:49 Key Takeaways 21:35 Closing Takeaways: --- Homeownership isn’t the only path to a fulfilling retirement; consider alternative housing options. --- Many retirees find peace and financial freedom by downsizing or moving to communities. --- Sharing a home with others can provide companionship and reduce living expenses significantly. --- Luxury RV living offers a unique lifestyle that combines travel and financial freedom. --- Continuing care retirement communities provide social connection and guaranteed healthcare for life. --- Exploring tiny home communities can lead to a minimalist lifestyle with less financial burden. 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/) [TAKE OUR LISTENER SURVEY] (https://www.askralphpodcast.com/survey) - YOU COULD WIN $250 [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) 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 Nov 2024

23 MINS

23:30

08 Nov 2024

#553

What are the differences between the two types of 529 plans?

Are you feeling overwhelmed about how to finance your child's college education? Ralph breaks down the two types of 529 plans—traditional college savings plans and prepaid tuition plans—providing clarity on how each can effectively contribute to your college funding strategy. Through real-life stories of families who successfully navigated their educational savings, Ralph emphasizes the importance of starting early and remaining consistent in your contributions. He highlights how these plans can not only help you save money but also protect against rising tuition costs. With practical advice and encouragement rooted in faith, this episode inspires listeners to take proactive steps toward securing their children's educational futures by understanding the two types of 529 plans. [https://www.askralphpodcast.com/two-types-of-529-plans/] (https://www.askralphpodcast.com/two-types-of-529-plans/) Podcast Timestamps 00:00 Episode Overview 01:00 Listener’s Question: Understanding 529 Plans for Education Savings 02:23 Bible Verse: Proverbs 22:6 – Guiding Children for the Future 02:53 Key Differences Between The Two Types Of 529 Plans 04:56 Key Investment Considerations With These Plans 05:53 Real-Life Examples of Ralph’s Clients 14:06 What Do These Real-Life Examples Tell Us? 15:10 Key Points 17:35 General Rules of Selecting 529 Plans 21:07 Action Steps You Can Take 22:01 Closing Takeaways: --- Starting to save early for your child's college education can leverage compound interest effectively. --- Understanding the differences between prepaid tuition plans and traditional 529 savings plans is essential. --- Both 529 plans offer tax advantages, but they serve different financial strategies for education. --- Real-life examples show how consistent saving can lead to significant educational savings over time. --- Choosing the right type of 529 plan depends on your child's education goals and financial situation. --- Consulting with a financial professional can help tailor a plan that fits your family's needs. Links referenced in this episode: --- [https://www.irs.gov/pub/irs-news/fs-09-12.pdf] (https://www.irs.gov/pub/irs-news/fs-09-12.pdf) --- [https://www.savingforcollege.com/intro-to-529s/what-is-a-529-plan] (https://www.savingforcollege.com/intro-to-529s/what-is-a-529-plan) --- [https://www.savingforcollege.com/529-plan-details] (https://www.savingforcollege.com/529-plan-details) ---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/) [TAKE OUR LISTENER SURVEY] (https://www.askralphpodcast.com/survey) - YOU COULD WIN $250 [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) 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 Nov 2024

24 MINS

24:07

07 Nov 2024

#552

What are 7 credit card debt myths that nobody should believe?

Are you feeling overwhelmed by credit card debt? You’re not alone—many people are trapped by misconceptions about credit cards that can lead to costly mistakes. Ralph dives into seven dangerous credit card myths that could be costing you thousands, including the false belief that carrying a balance builds credit. He shares a shocking personal story about how these myths nearly derailed his small business, but ultimately led to a financial turnaround. Tune in for essential insights on managing credit wisely and learn how to avoid becoming a slave to the lender by uncovering the truth behind common credit card debt myths. [https://www.askralphpodcast.com/credit-card-myths/] (https://www.askralphpodcast.com/credit-card-myths/) Podcast Timestamps: 00:00 - Episode Overview 01:15 - Listener’s Question: Struggling with Conflicting Advice on Credit Cards 02:06 - Bible Verse: Proverbs 22:7 02:54 - Ralph’s Personal Story 03:39 - 7 Credit Card Debt Myths That Nobody Should Believe 13:46 - Key Takeaways 14:32 - Strategic Credit Card Use for Business Owners 17:54 - Action Steps for Managing Credit Card Debt 19:32 - Closing Takeaways: --- Carrying a balance on credit cards does not build credit; it increases interest costs. --- Closing unused credit cards can actually hurt your credit score by raising utilization. --- Using credit cards frequently is not necessary; consistent on-time payments are what matter. --- Opening multiple credit cards quickly can signal risky behavior to lenders and harm your credit. --- Credit card debt is not good debt; it often comes with high interest rates. --- Making only minimum payments on credit cards can lead to decades of debt repayment. Links referenced in this episode: --- [https://www.askralphpodcast.com/payoff-credit-cards/] (https://www.askralphpodcast.com/payoff-credit-cards/) --- [https://www.askralphpodcast.com/with-my-credit-card/] (https://www.askralphpodcast.com/with-my-credit-card/) --- [https://www.annualcreditreport.com/] (https://www.annualcreditreport.com/) ---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/) --- [https://askralph.com/] (https://askralph.com/) [TAKE OUR LISTENER SURVEY] (https://www.askralphpodcast.com/survey) - YOU COULD WIN $250 [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) 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 Nov 2024

21 MINS

21:06

06 Nov 2024

#551

What are the best cash apps and what are best practices for using them?

Sending money through cash apps can be nerve-wracking, especially with the risk of scams that can lead to significant financial losses. Ralph shares a cautionary tale about a client who lost $5,000 to a cash app scam, highlighting the importance of security and awareness when using these financial tools. He emphasizes that convenience must never compromise security and provides actionable tips to protect yourself, such as enabling two-factor authentication and creating unique passwords. The discussion also covers the best cash apps for personal and business use, focusing on maintaining clear financial records to avoid complications during audits. Join Ralph as he equips you with the knowledge to navigate the digital finance landscape safely and effectively, discussing the best cash apps and best practices for using them. [https://www.askralphpodcast.com/best-cash-apps/] (https://www.askralphpodcast.com/best-cash-apps/) Podcast Timestamps: 00:00 Episode Overview 01:05 Listener’s Question: Small Business Concerns with Cash Apps 02:01 Bible Verse: Proverbs 22:3 – Wisdom in Financial Caution 02:25 Real-Life Story: Client’s $5,000 Loss Through a Cash App Scam 03:22 The Most Reliable Apps – The Big 4 04:22 Which App Is Best For Me? 07:43 What Are The Key Differences To Consider? 11:43 How I Helped My Client Safeguard Her Business 13:32 Business Best Practices for Using Cash Apps 17:40 Actionable Steps You Can Take 19:14 It’s Election Day! 19:41 Key Takeaway 20:00 Closing Takeaways: --- Understanding the risks involved with cash apps is crucial for protecting your finances. --- Always separate your personal and business finances to avoid complications during audits. --- Implementing strong security measures like two-factor authentication can help prevent scams. --- Regularly review your transaction history to catch any fraudulent activities early. --- Educating customers about digital payment policies helps maintain transparency in your business. --- Utilize the built-in security features of cash apps to enhance your financial safety. 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/) --- [https://askralph.com/] (https://askralph.com/) Companies mentioned in this episode: --- Venmo --- Cash App --- Zelle --- PayPal [TAKE OUR LISTENER SURVEY] (https://www.askralphpodcast.com/survey) - YOU COULD WIN $250 [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) 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 Nov 2024

21 MINS

21:40

05 Nov 2024

#550

What are the biggest financial challenges for those couples retiring at different times?

Navigating retirement can be a complex journey, especially for married couples with significant age differences. This podcast dives into real stories of couples who have successfully managed different retirement timelines, highlighting how communication and strategic planning can bridge potential gaps. Ralph addresses a listener's concern about the challenges faced by couples planning to retire at different times, emphasizing the importance of maintaining financial stability and a strong relationship during this transition. Through two compelling case studies, he illustrates effective strategies like the "bridge strategy" and the "two timeline strategy," showcasing how tailored financial planning can alleviate stress and ensure both partners’ needs are met. Tune in for actionable insights that will help you navigate the biggest financial challenges for couples retiring at different times, while keeping your marriage thriving. [https://www.askralphpodcast.com/retiring-at-different-times/] (https://www.askralphpodcast.com/retiring-at-different-times/) Podcast Timestamps: 00:00 Episode Overview 01:03 Listener’s Question: Michael’s Retirement Concerns for Him and His Younger Wife 01:59 Bible Verse: Ecclesiastes 4:9-10 02:35 Real-Life Story: The “Bridge Strategy” for Retirement Income Gaps 06:04 The “Two-Timeline Strategy” for Couples with Different Risk Tolerances 09:40 What Made These Situations Successful? 14:50 Action Steps You Can Take 18:05 The Big Takeaway 19:05 Closing Takeaways: --- Retirement planning for couples with age gaps requires open communication and flexibility in financial strategies. --- Creating a detailed timeline for both partners' retirements can help manage expectations and financial needs. --- Utilizing different investment approaches based on each partner's risk tolerance is crucial for success. --- Health insurance options must be reviewed early to avoid financial surprises during retirement transitions. --- Developing a Social Security claiming strategy is essential for maximizing retirement income effectively. --- Maintaining a flexible budget that adapts to changing income sources is vital for retirement success. 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/) --- [https://askralph.com/] (https://askralph.com/) [TAKE OUR LISTENER SURVEY] (https://www.askralphpodcast.com/survey) - YOU COULD WIN $250 [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) 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 Nov 2024

20 MINS

20:59

04 Nov 2024

#549

How do I find joy in the midst of trouble?

Finding joy amidst life's troubles can feel like an impossible task, but this podcast dives deep into how we can navigate these challenging times. Ralph addresses a heartfelt question from a listener named Vanessa, who is grappling with significant hardships, including job loss and financial strain. Through powerful scripture and inspiring stories, Ralph emphasizes that God has not abandoned us; rather, He uses our struggles to strengthen our faith and character. Listeners will hear real-life examples of individuals who have turned their trials into opportunities for growth and joy. The episode offers practical steps, encouraging us to start each day with gratitude, immerse ourselves in scripture, and seek community support. Ralph’s message reminds us that joy is not the absence of trouble but the presence of God in our lives and answers the heartfelt question, “How do I find joy in the midst of trouble?” [https://www.askralphpodcast.com/midst-of-trouble/] (https://www.askralphpodcast.com/midst-of-trouble/) Podcast Timestamps: 00:00 Episode Overview 01:07 Listener’s Question: Finding Joy During Hard Times 03:08 Bible Verse: James 1:2-4 – Embracing Trials with Joy 04:23 Real-Life Stories of Ralph’s Clients: Journey to Discovering Joy in Difficult Seasons 14:35 What Do These Stories Really Tell Us? 17:05 What are the Practical Steps I can Take to Find Joy in the Midst of Trouble 21:23 Closing Prayer 22:15 Recap and Tomorrow’s Topic Takeaways: --- Finding joy amidst life's troubles often involves embracing gratitude and trusting in God. --- Real-life stories illustrate how faith can transform challenges into opportunities for personal growth. --- It is essential to seek community support during tough times to foster resilience and hope. --- Daily practices like gratitude journaling can significantly shift your perspective on hardships. --- Scripture reminds us that joy can coexist with pain, offering hope for brighter days ahead. --- Recognizing the presence of God in our struggles is crucial for cultivating true joy. 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/) --- [https://askralph.com/] (https://askralph.com/) [TAKE OUR LISTENER SURVEY] (https://www.askralphpodcast.com/survey) - YOU COULD WIN $250 [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) 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 Nov 2024

24 MINS

24:27

03 Nov 2024

#548

What are the best ways to save money when selling a home?

Discover how to save thousands when selling your home in this enlightening episode of the Ask Ralph Podcast. Ralph shares valuable insights and real-life success stories from clients who navigated the home-selling process, including how one couple saved a staggering $17,500 by using a flat fee MLS listing service. The episode dives into practical strategies for homeowners, such as focusing on essential repairs and effective online marketing, to keep more of their hard-earned equity. With a mix of humor and practical advice, Ralph encourages listeners to consider DIY marketing techniques and emphasizes the importance of timing and pricing in real estate. Tune in for actionable steps that can help you maximize your profits, minimize unnecessary costs, and ultimately save money when selling a home. [https://www.askralphpodcast.com/save-money-when-selling-a-home/] (https://www.askralphpodcast.com/save-money-when-selling-a-home/) Podcast Timestamps: 00:00 Episode Overview 02:06 Listener’s Question: Sarah’s Home Selling Concerns 02:37 Bible Verse - Proverbs 21:5 03:19 Real-Life Story: Mike and Jennifer's For Sale by Owner Success 05:09 Barbara's Smart Renovation Strategy 06:54 Rodriguez Family’s Timing Victory 08:07 Tom's Do It Yourself Marketing Success 08:53 Actionable Steps You Can Take 10:33 Listener’s Question: 401k Withdrawals for a New Car 14:39 Delaware EARNS 21:08 Closing Takeaways: --- Understanding the potential savings from selling your home yourself can lead to significant financial benefits, sometimes saving thousands in commissions. --- Proper timing and pricing are crucial when selling a home; a well-timed sale can maximize profits. --- Investing in basic landscaping and deep cleaning can greatly improve a home's curb appeal without breaking the bank. --- Consider leveraging modern technology, like social media and high-quality photography, to market your property effectively. --- Exploring different financing options for major purchases, like cars, can help manage taxes and preserve retirement savings. --- Utilizing state-sponsored retirement plans like Delaware Earns can provide employees with essential saving options without costly employer 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/) --- [https://askralph.com/] (https://askralph.com/) [TAKE OUR LISTENER SURVEY] (https://www.askralphpodcast.com/survey) - YOU COULD WIN $250 [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) 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 Nov 2024

22 MINS

22:40

02 Nov 2024

#547

What do I do if I find myself house rich and cash strapped as an older American?

Feeling financially trapped in a home you love but can't afford to maintain is a common struggle for many older Americans. This podcast tackles the critical issue of being house rich but cash poor, exploring the emotional and financial toll it takes on individuals like Peter, who is left grappling with expenses after losing his spouse. Ralph shares inspiring stories of triumph and practical strategies to navigate this dilemma, emphasizing the importance of early financial planning, diversifying assets, and seeking professional guidance. By understanding these challenges, listeners can avoid the pitfalls that lead to overwhelming debt and financial stress. Join Ralph as he combines real-world advice with a faith-based perspective to help you achieve financial stability and peace of mind. What do I do if I find myself house rich and cash strapped as an older American? Ralph’s insights provide a roadmap to answer this pressing question, guiding you toward a secure and fulfilling financial future. [https://www.askralphpodcast.com/house-rich-cash-strapped/] (https://www.askralphpodcast.com/house-rich-cash-strapped/) Podcast Timestamps: 00:00 Episode Overview 01:15 Listener’s Question: 03:09 Bible Verse - Proverbs 13:22 04:10 Real-Life Story: John’s Journey from Cash-Strapped to Financially Security 05:33 The Solution to John’s Situation 06:52 A Client’s Story (Mary) 09:18 What Do These Stories Really Tell Us? 09:46 How Can I Avoid Getting Into This Situation? 16:38 Call-to-Action 17:55 Closing Takeaways: --- Many older Americans are asset rich but cash poor due to rising living costs. --- Planning for retirement early can prevent financial stress later in life. --- Diversifying your assets helps avoid being overly reliant on home equity. --- Downsizing before it's necessary can provide financial and emotional relief. --- Staying informed about financial products empowers you to make better decisions. --- Regularly reviewing and adjusting your budget is essential for financial stability. Links referenced in this episode: --- [https://www.askralphpodcast.com/deciphering-reverse-mortgages/] (https://www.askralphpodcast.com/deciphering-reverse-mortgages/) --- [https://www.askralphpodcast.com/home-equity-loan/] (https://www.askralphpodcast.com/home-equity-loan/) ---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/) --- [https://askralph.com/] (https://askralph.com/) [TAKE OUR LISTENER SURVEY] (https://www.askralphpodcast.com/survey) - YOU COULD WIN $250 [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) 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 Nov 2024

20 MINS

20:14

01 Nov 2024

#546

Why is a wealth tax such a terrible idea?

Are you concerned about the potential impact of a wealth tax on your savings and financial future? Ralph dives deep into the complexities of this contentious issue, explaining how a wealth tax could adversely affect not just the ultra-wealthy but also middle-class families. He highlights the misconceptions perpetuated by mainstream media, emphasizing that the reality of such a tax is far more complicated than it seems. Through real-life examples and biblical insights, Ralph argues that wealth taxes could stifle entrepreneurship, discourage investment, and ultimately lead to less prosperity for everyone. Join him as he unpacks the facts, encouraging listeners to stay informed and engaged in the discussion surrounding their financial futures—and shedding light on why a wealth tax is such a terrible idea. [https://www.askralphpodcast.com/wealth-tax-such-a-terrible-idea/] (https://www.askralphpodcast.com/wealth-tax-such-a-terrible-idea/) Podcast Timestamps: 00:00 Episode Overview 01:11 Listener’s Question: Concerns About Wealth Taxes 02:33 Bible Verse: 1 Timothy 6:17-19 03:57 How Is A Wealth Tax Different From Our Current Income Tax? 10:00 Some Of The Misinformation Being Circulated In The MainStream Media 13:20 How Does This Idea Of A Wealth Tax Impact Our Christian Faith? 15:21 Key Takeaway 15:38 Call to Action 17:59 3 Actionable Steps You Can Take 19:51 Recap and Closing Takeaways: --- A wealth tax targets individuals based on their assets rather than their income, which can be problematic. --- Wealth taxes can discourage entrepreneurship and investment, ultimately leading to slower economic growth. --- Many individuals may be falsely labeled as wealthy due to asset values, affecting the middle class. --- Historical precedents show that wealth taxes can gradually impact more than just the ultra-rich. --- The complexities of valuing assets make implementing a wealth tax fairly extremely challenging. --- We should focus on policies that promote job creation, rather than those that hinder economic growth. 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/) --- [https://askralph.com/] (https://askralph.com/) [TAKE OUR LISTENER SURVEY] (https://www.askralphpodcast.com/survey) - YOU COULD WIN $250 [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) 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 Oct 2024

23 MINS

23:31

31 Oct 2024

#545

What are the 9 riskiest places to give your social security number?

Feeling uneasy when asked for your Social Security number is a valid concern, and today’s discussion highlights the nine riskiest places where you might be asked to provide it. From gym memberships to job applications and even medical offices, sharing this crucial piece of information can expose you to identity theft. Ralph shares personal anecdotes and practical advice to help you navigate these situations safely. He emphasizes the importance of questioning why your Social Security number is needed and suggests alternative forms of identification when possible. Tune in to learn how to protect yourself and your loved ones from the potentially devastating consequences of identity theft while maintaining a sense of humor throughout the journey as he outlines the 9 riskiest places to give your Social Security number. [https://www.askralphpodcast.com/give-your-social-security-number/] (https://www.askralphpodcast.com/give-your-social-security-number/) Podcast Timestamps: 00:00 Episode Overview 00:54 Listener's Question: Concerns About Giving a Social Security Number at the Gym 02:35 Bible Verse: Proverbs 22:3 – Being Prudent in Protecting Your Identity 03:23 The 9 Riskiest Places To Give Your Social Security Number 10:44 Real-Life Stories of Clients: Identity Theft from Sharing a Social Security Number 15:13 Key Takeaways 15:31 Best Practices to Protect Your Social Security Number 18:34 Recap and Closing 19:00 Call to Action Takeaways: --- Never provide your Social Security number unless absolutely necessary; always question its need. --- Be cautious when filling out gym membership forms; inquire about alternatives to sharing your SSN. --- Avoid giving your Social Security number on job applications until you are hired. --- Use secure methods to share your Social Security number rather than writing it on paper. --- Don't share your Social Security number over email or phone; it's not safe. --- Regularly monitor your credit reports to catch suspicious activity promptly before it escalates. Links referenced in this episode: --- [https://www.justice.gov/opcl/overview-privacy-act-1974-2020-edition/ssn] (https://www.justice.gov/opcl/overview-privacy-act-1974-2020-edition/ssn) --- [https://www.askralphpodcast.com/identity-theft-online/] (https://www.askralphpodcast.com/identity-theft-online/) ---What is your question that you would like to ask Ralph? Send Your Question here: [https://justaskralph.com/] (https://justaskralph.com/) ---Ask Ralph Show Live [https://] (https://justaskralph.com/) [askralphpodcast.com/live] (http://askralphpodcast.com/live) --- [https://askralph.com/] (https://askralph.com/) [TAKE OUR LISTENER SURVEY] (https://www.askralphpodcast.com/survey) - YOU COULD WIN $250 [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) 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 Oct 2024

22 MINS

22:49

30 Oct 2024

#544

How can I use my retirement account as an emergency ATM?

Are you feeling the financial squeeze and considering tapping into your retirement account to cover unexpected expenses? Ralph dives into the complexities of using retirement funds as an emergency ATM, exploring the potential pitfalls of penalties and taxes that could derail your financial future. He shares valuable insights and personal anecdotes, emphasizing the importance of having an emergency fund as a financial safety net. With a blend of humor and real-world advice, Ralph discusses various strategies, including borrowing from a 401(k), utilizing Roth IRA contributions, and considering hardship withdrawals. Tune in as he provides practical alternatives and highlights the delicate balance between addressing immediate financial needs and safeguarding your long-term wealth, answering the question, "How can I use my retirement account as an emergency ATM? Podcast Timestamps: 00:00 Episode Overview 01:03 Listener’s Question 03:03 Bible Verse - Ecclesiastes 11:2 04:04 Why Shouldn’t I Tap Into My Retirement? 05:18 What Are Some Alternatives Before You Tap Into Retirement Savings? 06:04 5 Key Ways to Use Your Retirement Account in an Emergency 10:50 Real Life Stories Of Clients Over The Years 12:42 Key Takeaways 14:55 Actions Steps to Take Right Now 17:15 Closing Takeaways: --- Using your retirement account early can have significant penalties and tax implications, so caution is essential. --- Building an emergency fund is crucial to avoid dipping into retirement savings during unexpected expenses. --- Consider options like borrowing from your 401(k) or using Roth IRA contributions for emergencies. --- Take stock of your financial situation before making any rash decisions about your retirement funds. --- Explore hardship withdrawals only for specific emergencies, as they still incur tax liabilities. --- Always consult a financial advisor to understand the best options available for your situation. Links referenced in this episode: --- [https://www.askralphpodcast.com/emergency-withdrawals-from-401-k-plans-pros-and-cons/] (https://www.askralphpodcast.com/emergency-withdrawals-from-401-k-plans-pros-and-cons/) ---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/) --- [askralph.com] (https://askralph.com/) [TAKE OUR LISTENER SURVEY] (https://www.askralphpodcast.com/survey) - YOU COULD WIN $250 [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) 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 Oct 2024

19 MINS

19:00

29 Oct 2024

#543

What are the top 5 things people do to stay wealthy?

Are you struggling to maintain your financial success while balancing your overall well-being? Today, Ralph dives into the top five key strategies that wealthy individuals use to not only grow their finances but also nurture their physical, mental, relational, and spiritual health. Through inspiring stories from clients like Tom, Lisa, John, Maria, and David, you’ll discover how a comprehensive budget, diversified investments, continuous learning, intentional generosity, and holistic health practices contribute to true wealth. Ralph emphasizes that financial success is just one piece of the puzzle; true wealth encompasses a harmonious balance across all areas of life. Join him as he shares practical advice, personal anecdotes, and the 5 things people do to stay wealthy to help you achieve a fulfilling and financially savvy life. [https://www.askralphpodcast.com/to-stay-wealthy/] (https://www.askralphpodcast.com/to-stay-wealthy/) Podcast Timestamps: 00:00 Episode Overview 01:19 Listener’s Question 02:45 Bible Verse 03:38 5 Things People Do To Stay Wealthy #1 Maintain a Comprehensive Budget 05:37 #2 Diversify Investments And Regularly Assess Their Portfolio 07:45 #3 Prioritize Continuous Learning and Personal Development 09:51 #4 Practice Intentional Generosity 12:51 #5 Nurture Physical, Mental, and Spiritual Health 18:00 Holistic Approach to Wealth 20:33 Recap 21:10 Actionable Steps You Can Take Right Now 22:00 Call to Action 24:02 Closing Takeaways: --- Maintaining a comprehensive budget allows individuals to track their income and expenses effectively, leading to financial peace of mind. --- Diversifying investments across different assets helps mitigate risks and enhances overall financial security. --- Continuous learning and personal development are crucial for adapting to changing market conditions and maintaining wealth. --- Intentional generosity creates a sense of purpose and fulfillment, enhancing overall happiness and wealth perception. --- Nurturing physical, mental, and spiritual health is essential for true wealth beyond just financial success. --- Taking actionable steps, such as tracking expenses and dedicating time for personal growth, can lead to significant improvements in financial well-being. 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/) --- [askralph.com] (https://askralph.com) [TAKE OUR LISTENER SURVEY] (https://www.askralphpodcast.com/survey) - YOU COULD WIN $250 [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) 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 Oct 2024

25 MINS

25:33

28 Oct 2024

#542

What are some ways I can develop spiritual grit?

Are you feeling spiritually drained, especially when faced with life's challenges? This podcast dives into the concept of developing spiritual grit, a crucial element that can transform not only your spiritual journey but also your financial life. Host Ralph shares personal experiences and practical steps to cultivate resilience in your faith, emphasizing the importance of consistent prayer, scripture immersion, community engagement, practicing gratitude, and taking faith-filled action. Through compelling listener stories, Ralph illustrates how embracing these five pillars can lead to breakthroughs and renewed strength in times of adversity. Join him as he encourages you to find joy in the journey, trust in God's plan even when the path seems uncertain, and discover practical ways you can develop spiritual grit. [https://www.askralphpodcast.com/develop-spiritual-grit/] (https://www.askralphpodcast.com/develop-spiritual-grit/) Podcast Timestamps: 00:00 Episode Overview 01:15 Listener’s Question: Gordon’s Struggles with Faith and Finances 02:30 Bible Verse: James 1:2-4 – Perseverance Through Trials 03:37 Ralph’s Personal Story of Financial Struggles 05:53 The 5 Pillars of Spiritual Grit 06:05 #1 Consistent Prayer 07:09 #2 Scripture Immersion 08:09 #3 Community Engagement 09:06 #4 Gratitude Practice 10:34 #5 Faith-Filled Action 14:46 Listeners’ Comments Who Have Gone Through Similar Situation 19:21 Key Takeaway 20:01 What Can I Do Today To Develop Spiritual Grit? 22:33 Prayer 23:50 Call to Action and Closing Takeaways: --- Developing spiritual grit requires consistent prayer and immersing yourself in scripture daily. --- Engaging with a supportive community can provide the encouragement needed during challenging times. --- Practicing gratitude shifts your focus from lack to abundance, transforming your perspective on life. --- Taking practical steps towards financial improvement is essential for achieving spiritual grit. --- Reflecting on past challenges helps to strengthen your faith for future adversities. --- Combining faith with action empowers you to navigate financial difficulties with resilience. Links referenced in this episode: --- [https://askralph.com/] (https://askralph.com/) ---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/) [TAKE OUR LISTENER SURVEY] (https://www.askralphpodcast.com/survey) - YOU COULD WIN $250 [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) 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 Oct 2024

27 MINS

27:48

27 Oct 2024

#541

What do I do if the bank closed my account?

What should you do if your bank unexpectedly closes your account? This episode dives into the financial nightmare many face when locked out of their own money, leaving them unable to pay bills and access funds. Ralph addresses a listener's urgent plea for help, providing practical steps to navigate this crisis and prevent future account closures. From contacting the bank for clarity to understanding the implications for your credit, he covers essential actions to regain control. Additionally, he shares insights on maintaining financial stability and avoiding such situations in the future, all while infusing the conversation with a touch of humor and real-world experience. Tune in for valuable advice that can help you protect your finances and restore your peace of mind, especially if you're asking, "What do I do if the bank closed my account? [https://www.askralphpodcast.com/bank-closed-my-account/] (https://www.askralphpodcast.com/bank-closed-my-account/) Podcast Timestamps: 00:00 Episode Overview 02:53 Listener’s Question: Hunter's Account Closure Experience 04:13 Bible Verse - Proverbs 2:6-8 06:20 Steps to Take If Your Bank Account Has Been Closed 09:10 How an Unusual Banking Issue Was Solved with the Right Approach 11:43 Five Tips To Help You Avoid Having Your Account Closed By A Financial Institution 14:43 Understanding Annuities and Retirement Risks 18:32 Preparing for Homeownership as a First-Time Buyer 23:17 Closing Takeaways: --- The podcast discusses the fear and frustration of having a bank account closed unexpectedly, emphasizing the importance of understanding the reasons behind such actions. --- Listeners are encouraged to take immediate steps if their account is closed, including contacting the bank and retrieving any remaining funds. --- Maintaining a positive balance in your bank account can prevent overdrafts and reduce the risk of account closure due to inactivity. --- Setting up alerts with your bank can help monitor your account and avoid unexpected financial issues. --- The host shares a personal story about unexpected expenses as a homeowner, highlighting the importance of financial preparedness and having reserves. --- For first-time home buyers, it is crucial to set aside funds for unexpected costs beyond just the down payment and closing costs. Links referenced in this episode: --- [askralph.com] (https://askralph.com) --- [https://www.chexsystems.com/] (https://www.chexsystems.com/) ---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/) [TAKE OUR LISTENER SURVEY] (https://www.askralphpodcast.com/survey) - YOU COULD WIN $250 [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) 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 Oct 2024

27 MINS

27:17

26 Oct 2024