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Ask Ralph Blog

March 30, 2025

How to Align Your Work and Finances With God’s Purpose

How Can I Turn My Paycheck Into Purpose? Many individuals experience a disconnect between the hours spent earning a living and a deeper sense of fulfillment. The weekly paycheck, while necessary, can sometimes feel like the sole purpose of our labo…

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March 29, 2025

Setting Financial Boundaries for Adult Children: A Christian Parent’s Guide

Who Pays the Bills When Your Grown Kids Won’t Fly the Coop? The image of the family nest, once filled with chirping fledglings, eventually sees those young birds take flight, embarking on their own independent journeys. However, in recent tim…

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March 28, 2025

Struggling With IRS Debt? These 4 Tips Can Help

Can't Pay the IRS? How can you Avoid Major Penalties with These 4 Strategies? Facing financial difficulties can be a stressful experience, and when that includes owing money to the Internal Revenue Service, it can feel particularly overwhelming. Fo…

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March 27, 2025

How to Find Purpose and Structure After Retirement

5 Important Things That Disappear When You Retire – Are You Ready? Retirement is often envisioned as a time of financial freedom, a reward for decades of hard work. The focus tends to be on savings, investments, and the anticipated income str…

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March 26, 2025

Find Financial Stability Even with Irregular Earnings

How Can You Budget When Paychecks Are Unpredictable? For those whose income ebbs and flows like the tides, the idea of creating and sticking to a budget can feel like navigating a ship through a storm. The inconsistency in earnings from month to mo…

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March 25, 2025

The Hidden Costs of Cheap Tax Advice: Is It Worth the Risk?

Is Cheap Advice Really Worth the Price? The human instinct to seek out the best deal is powerful. Whether it's comparing prices on everyday goods or searching for discounts on larger purchases, the desire to save money is often a primary motivator.…

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March 24, 2025

Taxpayer Advocate Service: A Lifeline for Tax Issues

What Is the Taxpayer Advocate and How Can They Help Me? Dealing with taxes can often feel like navigating a complex maze. Whether it’s understanding a confusing notice from the IRS, resolving a discrepancy, or facing a significant financial c…

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March 23, 2025

Faith During Financial Hardship

Faith During Financial Hardship Difficult economic times are a reality that impacts many individuals and families. Unemployment, mounting debt, the rising cost of living, and overall uncertainty can create a climate of stress, worry, and even fear …

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March 22, 2025

Are Paper Checks Safe? Risks, Fraud & Better Alternatives

Why Can’t We Quit Paper Checks—and Are Scammers Cashing In? Are paper checks safe? Even in today’s digital world, paper checks are still hanging on—but at what cost? While many people have shifted to online payments and bank…

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March 21, 2025

Is Your Bank Account Holding Steady?

Are These Common Banking Habits Draining Your Wallet? In the world of personal finance, seemingly small habits can have a significant impact on your financial well-being. Certain banking habits, often overlooked, can quietly drain your wallet witho…

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