Book a call with Ralph
Ask Ralph: Financially Confident Christian

Season 7

Feb. 16, 2025

Is God Calling You to Start a Side Hustle?

Feeling like your finances are throwing a wrench in your spiritual journey? Well, you’re not alone! In today’s episode, we’re diving into the idea that your financial struggles might just be a divine nudge to kickstart that s...

Listen to the Episode
Feb. 15, 2025

LIVE REPLAY: What Are 10 Easy Tax Deductions and Credits to Cut Your …

Ever felt like you're handing over way too much dough to the taxman? Well, you’re in luck! Today, we’re diving into 10 super easy tax deductions and credits that can help you lighten that tax load. We’ll also dig into the jui...

Listen to the Episode
Feb. 14, 2025

Why is the IRS eyeing your digital wallet?

Bitcoin and cryptocurrency are all the buzz right now, but what does it all mean? We're diving deep into the world of digital wallets and the tax implications that come with them. If you've ever thought about jumping into thi...

Listen to the Episode
Feb. 13, 2025

Can you really afford to skip long term care insurance?

Today, we're diving into the heavy stuff: the emotional and financial strain of long-term care. Yep, we're tackling the big question—can you really afford to skip long-term care insurance? Spoiler alert: it’s not just a “mayb...

Listen to the Episode
Feb. 12, 2025

Unexpected IRS refund? What you should do now and smart ways to spend…

Ever get a surprise check from the IRS and think, “What in the world do I do with this?” Yeah, same here! Today, we're digging into the wild world of tax refunds, exploring why they pop up and how to handle them like a pro. W...

Listen to the Episode
Feb. 11, 2025

Filing Without All Your Tax Documents? Why It’s Risky and How to Get …

Filing your taxes without all your documents? Yeah, it can be a bit like playing with fire – you could get burned! Today, we're diving into the risky waters of hasty tax filing and uncovering how it could cost you more than j...

Listen to the Episode
Feb. 10, 2025

Inheritance incoming: are you ready?

Imagine this: you’ve just received a hefty inheritance. Exciting, right? But before you rush off to buy that sports car or book that dream vacation, hit the brakes! Today, we’re exploring how to handle an inheritance responsi...

Listen to the Episode
Feb. 9, 2025

How Can I Stay Generous for God Even in Tough Times?

Generosity can feel like a distant dream when your financial situation is tight, right? But hold onto your hats, because we're diving into how to stay generous for God even when the money seems tighter than your favorite pair...

Listen to the Episode
Feb. 8, 2025

Are You Taking These 10 Smart Steps to Maximize Your Retirement Savin…

Crushing debt got you feeling like you’re stuck in quicksand? Fear not! We’re diving into the financial deep end with Ralph Estep Jr., the financial expert who’s come out swinging after his own battles with money woes. We’re ...

Listen to the Episode
Feb. 7, 2025

Could your tax return be raising audit alarms?

So, we’re diving deep into the world of taxes today, and guess what? The main point is figuring out how to dodge those pesky red flags that could trigger an audit. Ever hit that "submit" button on your tax return and felt you...

Listen to the Episode
Feb. 6, 2025

Got a tax notice? Now what?

Ever cracked open your mailbox to find an IRS envelope and felt your stomach drop like it’s auditioning for a horror movie? Yeah, we’ve all been there! Today, we’re diving into the wild world of tax notices, breaking down why...

Listen to the Episode
Feb. 5, 2025

Who’s doing your taxes – and can you trust them?

Choosing the right tax preparer is crucial to avoid costly mistakes and potential fraud. This episode highlights the key red flags to watch for when selecting someone to handle your taxes, ensuring you don't fall victim to di...

Listen to the Episode
Feb. 4, 2025

Who can you trust for your taxes? How to choose the right professiona…

Finding a trustworthy tax professional is crucial, especially for small business owners like Bridgette, who fear making costly mistakes with their taxes. Ralph Estep Jr. addresses common concerns about hiring tax preparers an...

Listen to the Episode
Feb. 3, 2025

Struggling with taxes? When should you bring in the pros?

Are you feeling overwhelmed by tax season and unsure if you should hire a professional? Ralph Estep Jr. addresses this common dilemma faced by many, especially small business owners like Kassandra, who shared her struggles wi...

Listen to the Episode
Feb. 2, 2025

Can you serve two masters: Finding God’s purpose in your professional…

Feeling overwhelmed by the demands of work, family, and faith is a struggle many face, and today’s discussion dives deep into how to navigate this challenge. The key takeaway is that setting healthy boundaries is essential fo...

Listen to the Episode
Feb. 1, 2025

Home sweet home…or is it? The questions every first time buyer must a…

Are you dreaming of buying your first home but feeling overwhelmed by fear and uncertainty? In this episode, Ralph Estep explores the essential steps to approach homeownership with confidence and faith. He emphasizes the impo...

Listen to the Episode
Jan. 31, 2025

Cash in or roll over? What’s the smart move for your maturing CD?

Feeling stuck with your maturing CD? You're not alone! Ralph Estep Jr. dives into the dilemma many face when deciding whether to cash out, roll over, or explore other investment options. He shares valuable insights on how to ...

Listen to the Episode
Jan. 30, 2025

Desperate for tax relief? Why are some solutions worse than the probl…

Are you feeling overwhelmed by tax debt and unsure who to trust for help? This episode dives deep into the risks of falling for too-good-to-be-true tax relief schemes that can actually worsen your situation. Host Ralph Estep ...

Listen to the Episode
Jan. 29, 2025

Wait, what are estimated taxes and do I actually have to pay them?

Feeling overwhelmed by taxes is a common experience, especially when it comes to estimated taxes. Ralph Estep Jr. addresses this critical topic by breaking down what estimated taxes are, who needs to pay them, and how to avoi...

Listen to the Episode
Jan. 28, 2025

How much money could you save by managing your credit like a Pro?

Feeling frustrated by high interest rates or the embarrassment of being denied credit? You're not alone, and today we’re diving into the world of credit monitoring services, exploring how managing your credit like a pro can s...

Listen to the Episode
Jan. 27, 2025

Locked out of E-filing? The secret PIN that changes everything

Are you feeling overwhelmed by the prospect of tax identity theft and the vulnerability that comes with filing your taxes? Ralph Estep tackles this pressing concern head-on, sharing powerful strategies to secure your financia...

Listen to the Episode
Jan. 26, 2025

Why Don't I Feel Close to God Anymore?

Feeling spiritually empty despite business success is a struggle many Christian entrepreneurs face, and this episode dives deep into that very challenge. Ralph Estep Jr. shares his personal journey of reconnection with God an...

Listen to the Episode
Jan. 25, 2025

Is ID.me the Future of Digital Identity, or a Privacy Nightmare?

Join Ralph Estep, Jr. as he tackles pressing financial concerns, including how to safeguard your personal information online and navigate the murky waters of IRS scams. This episode highlights the importance of vigilance in p...

Listen to the Episode
Jan. 24, 2025

Why Are New Car Owners Most at Risk for This Insurance Nightmare?

Navigating the aftermath of a car accident can be daunting, especially when you find yourself facing a financial gap due to depreciation. Ralph Estep Jr. tackles this critical issue by discussing the importance of gap insuran...

Listen to the Episode