Budgeting Episodes

Does the word “budget” make you cringe a little? You’re not alone. In this episode of Ask Ralph , we tackle the emotional resistance many people feel toward budgeting—feelings of fear, shame, or overwhelm. Ralph explains why ...

Are you tracking your spending but still feeling overwhelmed? In this episode of Ask Ralph , we take the next step in building financial clarity. Ralph walks through how to analyze your tracked expenses—not just to collect da...

Ever feel like your money disappears the moment it hits your bank account? In this episode of Ask Ralph , Ralph addresses the pain point so many face: that frustrating mystery of vanishing dollars. Whether it’s impulse buys, ...

Are you tired of feeling chained by your finances? In this episode of Ask Ralph , Ralph and Craig dive deep into the habits, mindsets, and spiritual principles that keep so many of us stuck in a cycle of financial stress. Fro...

Ever feel like you’re finally catching your financial breath—then boom, you see a future expense on the horizon, and it knocks the wind right out of you? In this episode of Ask Ralph , we’re talking about those big bills that...

Are you feeling that paycheck-to-paycheck pressure? Yeah, we’ve been there. Today, Ralph Estep Jr. is keying in on how to break free from that cycle of financial stress and shame. He’s here to share a simple biblical strategy...

Do you ever feel like your money is in control—and you’re just along for the ride? You’re not alone. In this episode, Ralph Estep Jr. offers a thoughtful exploration of the emotional challenges tied to financial management, i...

Feeling overwhelmed by your finances? You’re definitely not alone, and today, we're diving into how we can rebuild that confidence with our money. Ralph's unpacking seven daily steps that blend financial savvy with faith, hel...

Imagine waking up, and your car just won't start. Yikes, right? Today, we're diving into the wild world of emergency funds and why they’re more important than your morning Starbucks coffee. In this episode, we dive headfirst ...

Are your adult children still crashing at home? Well, you’re definitely not alone! Today, we’re diving into a listener's heartfelt question about the tricky situation of supporting grown kids who just won’t leave the nest. We...

Struggling to budget because your paycheck feels like a game of roulette? You’re not alone, and I’m here to help! Today, I’m diving into seven super practical tips to help you manage your finances, especially when the income ...