Ask Ralph - Christian Finance-logo

Ask Ralph - Christian Finance

iHeart Podcast Network

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.

Location:

United States

Description:

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.

Language:

English

Contact:

302-518-6116


Episodes
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Why is the IRS eyeing your digital wallet?

2/14/2025
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 this financial trend but felt a little lost, don’t sweat it! I’m here to help you navigate these waters and avoid losing your shirt. We'll chat about what cryptocurrency really is, why the IRS is peeking over your shoulder, and how to keep your hard-earned cash safe while exploring this exciting frontier. So, grab your snacks, settle in, and let’s make sense of this digital gold rush together—especially with the IRS eyeing your digital wallet! Read today's blog article Check out the full podcast episode here Curious about cryptocurrency? You're not alone! In this episode, we're diving deep into the wild world of digital wallets and all things crypto. From Bitcoin to Ethereum and everything in between, we chat about what these digital currencies really are, why they're causing such a buzz, and why the IRS is suddenly super interested in your virtual stash. Spoiler alert: it involves taxes, and yes, they want their cut! We also tackle some listener question and share client stories about navigating the often confusing landscape of cryptocurrency. We start with the basics of what cryptocurrency is and how it works. Think of it as digital money but with some extra techy magic thrown in, like cryptography! We talk about how to keep your crypto safe with digital wallets and also touch on the tax implications that come with owning these digital assets. Our goal? To make sure you’re not just jumping on the crypto bandwagon without understanding the risks involved. Plus, we sprinkle in some light-hearted banter and personal anecdotes to keep things fun and relatable. So grab your headphones and get ready to take control of your financial future with a little crypto knowledge! Podcast Timestamps: 00:00 Episode Overview 01:47 Listener Question: Understanding Cryptocurrency 03:21 Biblical Perspective on Financial Stewardship 04:31 Today’s Gratitude Statement 05:00 Basics of Cryptocurrency and Digital Wallets 07:43 Cryptocurrency Mining Explained 16:59 Where is Cryptocurrency Being Used? 17:47 Tax Implications of Cryptocurrency 18:35 Tim's Cryptocurrency Loss 23:48 Why is the IRS Interested in Digital Wallets? 24:54 Types of Digital Wallets and Their Security Features 27:24 Dangers of Cryptocurrency 33:28 Reducing Cryptocurrency Risks 34:50 Practical Steps to Manage Cryptocurrency and Avoid Tax Issues 37:55 Visit https://www.askralphpodcast.com/blog/ for Free Financial Resources 38:22 Reflection Questions 40:16 You Can Support the Show by Visiting https://askralphpodcast.com/support 41:33 Conclusion and Next Episode Preview Takeaways:

Duration:00:43:13

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Can you really afford to skip long term care insurance?

2/13/2025
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 “maybe” kind of deal. We’ll share some real-life tales, like Naomi’s heart-wrenching situation caring for her mom and the stress that comes with it. Plus, I’ll spill the tea on how planning ahead can save you and your family from future headaches. So, grab your favorite snack and let’s chat about making those smart moves for a secure future—because trust me, you don’t want to find out the hard way what happens when you skip long-term care insurance. Read today's blog article Check out the full podcast episode Picture this: you're in a hospital bed, surrounded by beeping machines and whispers that feel like they’re coming from another planet. The weight of medical bills starts to crush you, and you’re left wondering how on Earth you’re going to afford all this. That’s the emotional rollercoaster we dive into today! We’re tackling the heavy stuff: the emotional and financial stress of long-term care. We’re answering the big question: can you really afford to skip out on long-term care insurance? Spoiler alert: it’s not just about the dollars and cents. It's about peace of mind for both you and your family. We are here to help you lay down a plan that doesn’t just protect your bank account but also keeps the family drama at bay! Now let’s not sugarcoat it; the world of long-term care can be as confusing as a cat at a dog show. But fear not! In this episode, we share real-life stories of clients, like the vibrant Mary, who chose to invest in long-term care insurance and lived her golden years with dignity, surrounded by love and laughter. We also meet Jane, who thought she could handle anything life threw at her—until it didn’t go according to plan. Jane’s story is a cautionary tale, reminding us all that planning ahead can save us from financial disaster and family strife. So, if you’re feeling overwhelmed by the thought of long-term care, don’t sweat it! We break it down for you into bite-sized pieces. Get ready to learn how to assess your needs, evaluate your resources, and understand your options. We also got tips on how to chat with your family about these tough topics without sending everyone into panic mode. By the end of this episode, you’ll be armed with the knowledge to tackle long-term care planning like a pro—no more hiding under the covers! Podcast Timestamps: 00:00 Episode Overview 01:59 Listener's Dilemma: Naomi's Story 02:47 If You Have A Question You'd Like Answered, Head Over To https://justaskralph.com/ 03:24 Biblical Wisdom: Luke 14:28 04:47 Today’s Gratitude Statement 05:58 Mary's Story: The Benefits of Long-Term Care Insurance 12:09 Jane's Story: The Consequences of Lack of Planning 20:40 Expected Costs Of Long-Term Care 23:48 Costs Of Long-Term Care Insurance And What It Covers 27:28 Action Steps for Long-Term Care Planning 31:50 Visit https://www.askralphpodcast.com/blog/ for Free Financial Resources 32:34 Reflection Questions 37:37 You Can Support the Show by Visiting https://askralphpodcast.com/support 38:54 Closing Takeaways:

Duration:00:40:33

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

2/12/2025
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. We’ll chat about common scams that could turn your happy dance into a horror show and share some savvy strategies to make that cash work for you instead of against you. Spoiler alert: breaking even on your taxes might not be as awesome as it sounds! By the end, you’ll be armed with all the knowledge you need to turn that unexpected windfall into a financial win. So grab your favorite snack, sit back, and let’s get this started—because who wouldn’t want to make the most of an unexpected IRS refund? Read today's blog article Check out the full podcast episode Unexpected checks from the IRS can spark a rollercoaster of emotions, right? One minute you’re checking your mailbox, and the next you’re staring at a surprise refund like it’s a golden ticket. Today, we’re diving into the wild world of tax refunds, unearthing why those checks appear and how to make sense of them. We’ll tackle the usual suspects: overpayment of taxes, tax credits, and even the occasional IRS error—because yes, they mess up too! Ever heard of the recovery rebate credit? We’ve got that covered, along with the lowdown on scams you need to dodge. Spoiler alert: there’s a lot of sneaky stuff out there, so keep your eyes peeled! We’ll also explore the great debate: is it cooler to break even or snag a refund? Whether you’re a seasoned tax pro or a newbie, this episode arms you with the wisdom to tackle your finances head-on. Let’s turn that tax anxiety into power! Podcast Timestamps: 00:00 Episode Overview 02:03 Listener Question: Rachel's Unexpected Refund 03:20 Bible Verse - Luke 16:10 04:03 Today’s Gratitude Statement 04:33 Understanding Tax Refunds 11:45 Beware of IRS Refund Scams 13:44 Common IRS Scams and How to Avoid Them 16:03 How to Avoid Scams 17:53 Tax Implications of an Unexpected Refund 20:32 Smart Ways to Spend Your Refund 24:36 The Great Debate: Breaking Even on Your Taxes 27:54 Success Stories: Making the Most of Your Refund 31:08 Practical Steps for Managing Your Refund 34:35 Reflection Questions 36:02 Call to Action: Visit https://www.askralphpodcast.com/ to Book a Call with Ralph 38:52 You Can Support the Show by Visiting https://askralphpodcast.com/support 40:04 Recap 41:25 Visit https://www.askralphpodcast.com/blog/ for Free Financial Resources 41:39 Closing Takeaways: Links referenced in this episode:

Duration:00:42:25

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

2/11/2025
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 just some pesky penalties and interest. We've got a juicy story about one listener, Ernie, who thought he could rush through his taxes and ended up knee-deep in a financial nightmare. So stick around as we dish out the wisdom on snagging all the necessary paperwork and steering clear of those tax-time traps. Trust me, you won’t want to risk filing without all your tax documents! Read today's blog article Check out the full podcast episode Navigating the tax season can feel like trying to dance on a tightrope while juggling flaming swords, especially when you’re missing crucial documents. So, let's dive into the sticky situation one of our listeners, Ernie, found himself in. He rushed to file his taxes early to snag that sweet refund and cover some unexpected medical bills, but he totally spaced on including his 1099 from his side gig. Yikes! We explore the potential pitfalls of filing without all your ducks in a row and uncover how that seemingly innocent oversight can snowball into a financial disaster. From penalties to audits, we break it all down and serve up some actionable strategies to avoid Ernie's fate. Spoiler alert: being organized is key! If tax season has you feeling all sorts of overwhelmed, you’re definitely not alone. We’ve got your back with practical tips and a good dose of humor to lighten the mood as we tackle those tax woes together. No more flying blind when it comes to your taxes! Podcast Timestamps: 00:00 Episode Overview 02:27 Listener's Story: Ernie's Tax Filing Nightmare 04:53 Biblical Perspective on Financial Integrity 06:03 Today’s Gratitude Statement 06:20 Case Study: John's Tax Filing Mistake 11:44 Risks of Filing Without All Your Tax Documents 19:44 Common Tax Documents and Their Importance 23:19 Importance of Record-Keeping 26:31 How to Obtain Missing Tax Documents 33:41 Tax Penalties for Inaccurate or Incomplete Returns 38:37 Steps to Resolve Tax Issues 39:48 Visit https://www.askralphpodcast.com/blog/ for Free Financial Resources 40:24 Reflection Questions 42:38 Call to Action: Visit https://www.askralphpodcast.com/ to Book a Call with Ralph 45:49 You Can Support the Show by Visiting https://askralphpodcast.com/support 46:35 Recap and Closing Takeaways: Links referenced in this episode:

Duration:00:48:17

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Inheritance incoming: are you ready?

2/10/2025
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 responsibly and, more importantly, how to do it in a way that honors God. We’ll discuss the emotional rollercoaster that comes with such a windfall, including the feelings of grief, gratitude, and overwhelming responsibility. I’ll share a poignant story about a client named Henry, who faced the same crossroads when his grandfather passed away. He had to choose between indulging in immediate pleasures or making wise, long-term decisions that honored his grandfather’s legacy. Spoiler alert: the right choice led to peace, purpose, and even a scholarship fund in his grandfather’s name! So, let’s chat about how you can turn your inheritance into a blessing for yourself and others, making choices that reflect your values and truly honor those you’ve lost. Trust me, this is a conversation you won’t want to miss! Inheritance incoming—are you ready? Read today's blog article Check out the full podcast episode Podcast Timestamps: 00:00 Episode Overview 02:07 Listener Question: Dennis' Dilemma 04:29 Join Our Live Community https://askralphpodcast.com/live 04:44 Biblical Guidance: Proverbs and Stewardship 06:25 Today’s Gratitude Statement 06:42 Henry's Story: Choosing the Right Path 14:05 Ralph's Experience: Honoring a Mother's Legacy 17:14 Pitfalls That Can Derail Your Financial Plans 25:37 Action Steps for Managing Inheritance 30:09 Visit https://www.askralphpodcast.com/blog/ for Free Financial Resources 30:37 Reflection Questions 32:08 Call to Action: Visit https://www.askralphpodcast.com/ to Book a Call with Ralph 33:26 Support the Show by Visiting https://askralphpodcast.com/support 34:28 Closing Takeaways: Links referenced in this episode: https://askralphpodcast.com/supporthttps://mailchi.mp/askralph.com/grouphttps://askralphpodcast.com/live

Duration:00:35:41

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

2/9/2025
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 of jeans after Thanksgiving dinner. Today, we’re chatting with Ralph Estep Jr., a financial expert who's been through the wringer of financial struggles and come out the other side with some golden nuggets of wisdom. We’ll explore real stories, like Trisha's heartfelt struggle as a single mom, and how even a small act of giving can spark big changes in your life. So, grab your favorite snack, kick back, and let’s unravel how generosity isn’t about the size of your wallet, but about the size of your heart—because no matter your circumstances, you can always find a way to Stay Generous for God. Read today's blog article Check out the full podcast episode Podcast Timestamps: 00:00 Episode Overview 01:40 Listener Question: Trisha's Struggle 03:43 Biblical Assurance: Trusting God's Provision 05:51 Lisa's Story: A Path to Transformation 10:19 Action Plan: Steps to Generosity 12:13 Non-Financial Generosity: Time, Talents, and Kindness 20:38 Practical Next Steps for Non-Financial Generosity 22:15 Reflection and Prayer 23:46 Gratitude Statement 24:52 Call to Action: You Can Support the Show by Visiting https://askralphpodcast.com/support 27:19 Recap and Closing Takeaways: Links referenced in this episode: https://askralphpodcast.com/supporthttps://mailchi.mp/askralph.com/grouphttps://askralphpodcast.com/livehttps://justaskralph.com/ https://askralph.com/ LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION)

Duration:00:28:49

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Are You Taking These 10 Smart Steps to Maximize Your Retirement Savings in 2025?

2/8/2025
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 tackling the real struggles of retirement savings, tax withholding, and even those pesky estate planning decisions that seem to loom over you like a dark cloud. Trust me, if you’ve ever felt like you’re juggling bills while trying to save for the future, you’re in good company! So grab your favorite beverage, sit back, and let’s break down some solid steps to regain control of your financial destiny, keep a wink at the wisdom of biblical truths, and maximize your retirement savings in the process. Read today's blog article Check out the full podcast episode Podcast Timestamps: 00:00 Episode Overview 01:30 Listener’s Question #1: Understanding Tax Withholding 05:56 Listener’s Question #2: Estate Planning Insights 13:31 Listener’s Question #3 Maximizing Retirement Savings 16:17 Bible Verse - Galatians 6:7 17:20 Today’s Gratitude Statement 18:29 Hank's Financial Wake-Up Call 22:00 Hank's Journey to Financial Empowerment 23:13 10 Steps to Maximize Your Retirement in 2025 29:57 Call to Action: Visit https://justaskralph.com/ to Book a Call with Ralph 31:05 You Can Support the Show by Visiting https://askralphpodcast.com/support 31:55 Reflection Questions 33:37 Visit https://www.askralphpodcast.com/blog/ for Free Financial Resources 37:02 Closing Takeaways: Links referenced in this episode: https://askralphpodcast.com/supporthttps://mailchi.mp/askralph.com/grouphttps://askralphpodcast.com/livehttps://justaskralph.com/ https://askralph.com/ LISTEN NOW

Duration:00:38:28

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Could your tax return be raising audit alarms?

2/7/2025
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 your stomach drop at the thought of an audit? Yeah, me too! Don’t sweat it, though—we’ve got your back with some solid tips to keep your returns looking squeaky clean. We're talking about keeping it honest, organized, and making sure you've got all your ducks in a row. By the end of this chat, you’ll strut away feeling like a tax-filing pro, ready to honor God while keeping financial stress at bay and avoiding anything that might end up raising audit alarms. Let’s roll! Read today's blog article Check out the full podcast episode Podcast Timestamps: 00:00 Episode Overview 01:55 Helen's Question and Initial Advice 02:54 Biblical Encouragement and Integrity 04:03 Today’s Gratitude Statement 04:45 Major Red Flags to Avoid 35:27 Impact of a Tax Audit 37:07 Types of IRS Audits 39:02 Tips to Avoid IRS Audits 42:30 Resources for Facing an Audit 43:30 Visit https://www.askralphpodcast.com/blog/ for Free Financial Resources 43:46 Reflection and Final Thoughts Takeaways: Links referenced in this episode: https://askralphpodcast.com/supporthttps://mailchi.mp/askralph.com/grouphttps://askralphpodcast.com/livehttps://justaskralph.com/ https://askralph.com/ LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE 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

Duration:00:49:52

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Got a tax notice? Now what?

2/6/2025
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 they show up and how to handle them without losing your mind. Spoiler alert: it's usually not as bad as you think! From deciphering what that CP2000 notice really means to tips on preventing these pesky letters from sliding into your mailbox in the first place, we’ve got your back. So, grab your favorite drink, kick back, and let’s tackle those tax fears together. Got a tax notice? Don't stress—we’re here to help! Read today's blog article Check out the full podcast episode here Podcast Timestamps: 00:00 Episode Overview 02:21 Listener Question: Gabriel's IRS Notice Panic 05:16 Bible Verse: Philippians 4:6-7 06:43 Today’s Gratitude Statement 08:15 What Does a Tax Notice Mean? 08:42 Common Reasons the IRS Sends Notices 13:53 Common IRS Notices and Their Meanings 21:58 Steps to Handle a Tax Notice 27:08 Avoiding Future Tax Notices 31:53 Visit https://www.askralphpodcast.com/blog/ for Free Financial Resources 32:16 Reflection Questions 33:29 Call to Action: Go to https://askralphpodcast.com/ and Book a Call With Ralph 36:15 Recap and Closing Takeaways: Links referenced in this episode: https://askralphpodcast.com/supporthttps://mailchi.mp/askralph.com/grouphttps://askralphpodcast.com/livehttps://justaskralph.com/ https://askralph.com/ Companies mentioned in this episode:

Duration:00:37:38

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

2/5/2025
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 dishonesty or incompetence. Ralph Estep Jr. shares real-life examples of clients who faced serious issues due to their trust in unqualified preparers, emphasizing the importance of vigilance in financial stewardship. From refusing to sign returns to promising unusually large refunds, these warning signs can save you from unnecessary stress and financial loss. Tune in for actionable insights that will equip you to make informed decisions about doing your taxes the right way. Read today's blog article Check out the full podcast episode here Podcast Timestamps: 00:00 Episode Overview 02:22 Listener Question: Red Flags in Tax Preparation 04:26 Biblical Perspective on Financial Stewardship 05:55 Today’s Gratitude Statement 06:26 Client Stories: Real-Life Tax Preparation Nightmares 11:42 Identifying Red Flags in Tax Preparation 26:33 What to Do if You Suspect Your Tax Professional Is Dishonest 34:30 Call to Action: Go to https://askralphpodcast.com/ and Book a Call With Ralph 36:57 Reflection Questions 38:58 Recap & Closing Takeaways: Links referenced in this episode: https://www.askralphpodcast.com/tax-refund-loan/https://askralphpodcast.com/supporthttps://mailchi.mp/askralph.com/grouphttps://askralphpodcast.com/livehttps://justaskralph.com/ https://askralph.com/ LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION)

Duration:00:40:53

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Who can you trust for your taxes? How to choose the right professional.

2/4/2025
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 and provides valuable insights on what to look for in a qualified professional. He breaks down the different types of tax professionals, such as certified public accountants (CPAs), enrolled agents (EAs), and tax attorneys, emphasizing the importance of credentials and experience. Ralph highlights the need for transparency regarding fees and the significance of year-round availability for addressing ongoing tax concerns. With a blend of humor and practical advice, he encourages listeners to take control of their financial peace by ensuring they choose the right professional to meet their unique needs. Read today's blog article Check out the full podcast episode here Podcast Timestamps: 00:00 Episode Overview 02:41 Listener Question: Finding a Trustworthy Tax Professional 04:23 Bible Verse: Proverbs 11:14 05:34 Types of Tax Professionals 13:52 Steps to Find the Right Tax Professional 25:09 Reflection Questions 26:35 Call to Action: Go to https://askralphpodcast.com/ and Book a Call With Ralph 26:57 Conclusion Takeaways: Links referenced in this episode: https://askralphpodcast.com/supporthttps://mailchi.mp/askralph.com/grouphttps://askralphpodcast.com/livehttps://justaskralph.com/ https://askralph.com/ Companies mentioned in this episode: LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION)

Duration:00:28:09

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

2/3/2025
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 with managing taxes for her photography business. The episode emphasizes that you don’t have to navigate the complexities of taxes alone and highlights the importance of seeking help when needed. Ralph outlines six key situations that signal when it's time to bring in a tax professional, including experiencing major life changes and dealing with audits. With a blend of personal stories and biblical wisdom, listeners are encouraged to find peace of mind and focus on what truly matters in their lives by letting the experts handle their tax concerns and stop struggling with taxes. Read today's blog article Check out the full podcast episode here Podcast Timestamps: 00:00 Episode Overview 01:40 Today’s Gratitude Statement 02:06 Listener Question: Kassandra's Tax Dilemma 04:25 Biblical Wisdom on Seeking Counsel 05:36 James' Story: A Lesson in Tax Troubles 09:58 Six Signs You Need a Tax Professional 16:37 Benefits of Hiring a Tax Professional 20:10 Call to Action: Visit https://askralphpodcast.com/taxprep to schedule your consultation today 21:11 Reflection Questions 23:11 Closing Takeaways: Links referenced in this episode: https://askralphpodcast.com/supporthttps://mailchi.mp/askralph.com/grouphttps://askralphpodcast.com/livehttps://justaskralph.com/ https://askralph.com/ LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK...

Duration:00:24:13

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

2/2/2025
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 for honoring God while fulfilling your responsibilities. Kristina's heartfelt message illustrates this common plight, reminding us that we often feel stretched thin when trying to serve multiple masters. By prioritizing our faith and aligning our work with God's purpose, we can find clarity and peace amidst the chaos. Practical steps, including understanding priorities, praying for wisdom, and communicating boundaries with kindness, empower us to reclaim control over our lives without guilt. Ultimately, by recognizing that we cannot serve two masters, we can make intentional choices that lead to a more focused, peaceful life aligned with God's will. Read today's blog article Check out the full podcast episode here Podcast Timestamps: 00:00 Episode Overview 02:57 Listener’s Question: The Struggle of a Working Mom 04:22 Biblical Guidance: Serving God and Not Money 05:55 Blake's Journey: Rebuilding Life with God at the Center 07:59 The Simple Steps Blake Took to Live a Purpose-Driven Life 13:50 Practical Steps to Set Boundaries Without Feeling Guilty 18:00 Examples of Healthy Boundaries 19:10 How do we go about Overcoming Guilt? 21:11 Prayer 22:12 Reflection Questions 24:06 Visit https://www.askralphpodcast.com/blog/ for Free Financial Resources 24:30 Closing Takeaways: Links referenced in this episode: https://askralphpodcast.com/supporthttps://mailchi.mp/askralph.com/grouphttps://askralphpodcast.com/livehttps://justaskralph.com/ https://askralph.com/ LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW

Duration:00:25:22

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

2/1/2025
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 importance of prayer and seeking God's guidance, as well as assessing your financial readiness before making such a significant decision. Ralph discusses common pitfalls for first-time buyers, including the necessity of maintaining an emergency fund and understanding the true costs of homeownership beyond just the mortgage payment. With insightful advice and practical tips, this episode equips you with the tools needed to navigate the home-buying process while aligning your financial decisions with your values and long-term goals. By taking a thoughtful and faith-driven approach, you can turn your dream into reality and create your own "home sweet home." Read today's blog article Check out the full podcast episode here Podcast Timestamps: 00:00 Episode Overview 01:21 Listener Question #1: Tax Deductions for Volunteers 03:49 Listener Question #2: Organizing Business Expenses 08:15 Main Topic: Buying Your First Home 08:29 Listener Question #3: First-Time Buyer Concerns 09:07 Bible Verse - Proverbs 16:9 – Trusting God’s Guidance 09:45 Today’s Gratitude Statement 10:21 Four Key Areas To Consider When Buying Your First Home 19:55 Avoiding Common Mistakes for First-Time Homebuyers 31:30 Actionable Steps to Prepare for Homeownership 32:49 Reflection Questions 34:40 Visit https://www.askralphpodcast.com/blog/ for Free Financial Resources 35:51 Closing Takeaways: Links referenced in this episode: https://askralphpodcast.com/supporthttps://mailchi.mp/askralph.com/grouphttps://askralphpodcast.com/livehttps://justaskralph.com/ https://askralph.com/ LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION)

Duration:00:37:45

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

1/31/2025
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 break free from the paralysis caused by fear of making the wrong financial decision. By evaluating your risk tolerance and understanding your financial goals, you can take control of your money and make informed choices that honor God. Ralph also discusses various alternatives, including CD laddering, high-yield savings accounts, and even stocks, providing a roadmap to navigate your financial future with confidence and make the best decision for your maturing CD. Read today's blog article Check out the full podcast episode here Podcast Timestamps: 00:00 Episode Overview 02:41 Listener’s Question: What Should I Do When My CD Matures? 04:48 Bible Verse - Proverbs 27:23-24 05:54 Today’s Gratitude Statement 07:52 What is a CD? 08:37 Understanding Your Options with CDs 08:43 #1 Cash It In 08:56 #2 Roll It Over 09:19 #3 Let It Auto-Renew 29:55 Action Steps To Make The Smart Choice 29:59 #1 Evaluate Your Goals 30:24 #2 Research Current Rates 30:40 #3 Consider Alternatives 31:36 #4 Pray and Seek Wise Counsel 31:58 Reflection Questions 33:12:00 Closing Takeaways: Links referenced in this episode: askralphpodcast.com/bloghttps://askralphpodcast.com/supporthttps://askralphpodcast.com/livehttps://justaskralph.com/ https://askralph.com/ LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR...

Duration:00:35:20

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

1/30/2025
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 Jr. shares real-life stories of individuals who sought quick fixes but ended up with more stress and debt. Instead of relying on questionable promises, listeners are encouraged to take thoughtful and honest steps to address their tax challenges. With practical advice on how to work directly with the IRS and the importance of seeking professional help, this episode aims to empower you to regain control of your financial future and find true relief—especially if you're desperate for tax relief. Read today's blog article Check out the full podcast episode here Podcast Timestamps: 00:00 Episode Overview 02:02 Listener’s Question: Are Tax Relief Companies Legit? 04:17 Bible Verse: Proverbs 3:5-6 – Trust in the Lord with All Your Heart 06:07 Today’s Gratitude Statement 06:25 Real-Life Story: Tessa’s Tax Relief Nightmare 07:58 Risks of Desperate Tax Relief Solutions 08:03 #1 Exorbitant Fees 13:25 #2 Empty Promises 15:30 #3 Lack of Transparency 16:20 #4 Increased Debt 17:42 Better Solutions for Managing Tax Debt 17:46 #1 Contact the IRS Directly 18:52 #2 Set Up an Installment Agreement 19:48 #3 Seek Professional Help 20:51 #4 Build a Budget 22:09 #5 Stay Honest 25:01 Visit https://www.askralphpodcast.com/blog/ for Free Financial Resources 25:24 Reflection Questions 27:30 Recap and Closing Takeaways: Links referenced in this episode: https://mailchi.mp/askralph.com/grouphttps://askralphpodcast.com/livehttps://justaskralph.com/ https://askralph.com/ LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON...

Duration:00:29:01

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

1/29/2025
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 avoid those dreaded penalties. He shares a relatable story about a freelance graphic designer named Mike, who learned to manage his taxes effectively through a simple system that provided him peace of mind. By emphasizing the importance of proactive planning and cash flow management, Ralph offers practical steps that anyone can implement to take control of their tax obligations. This episode is not just about numbers; it's about empowering listeners to overcome confusion, gain confidence in their financial responsibilities, and answer the question, "What are estimated taxes?" Read today's blog article Check out the full podcast episode here Podcast Timestamps: 00:00 Episode Overview 02:14 Listener Question: Beth's Tax Struggles 03:33 Biblical Perspective on Taxes 04:47 Today’s Gratitude Statement 06:44 Mike's Story: A Lesson in Tax Management 11:54 Steps to Manage Estimated Taxes 15:05 Call to Action 16:46 Reflection Questions 19:12 Final Thoughts Takeaways: Links referenced in this episode: https://mailchi.mp/askralph.com/grouphttps://askralphpodcast.com/livehttps://justaskralph.com/ https://askralph.com/askralphpodcast.com/taxprep LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES"

Duration:00:20:52

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

1/28/2025
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 save you thousands of dollars and restore your peace of mind. Ralph Estep Jr. addresses a heartfelt question from Juliana, who recently faced unauthorized charges on her credit card, leading to a drop in her credit score. He shares vital tools and strategies to help protect yourself from fraud and improve your credit score. Tune in to learn the benefits of good credit, the impact of bad credit, and why investing in credit monitoring can be a game-changer for your financial health by helping you take control of managing your credit. Read today's blog article Check out the full podcast episode here Podcast Timestamps: 00:00 Episode Overview 01:43 Listener's Heartfelt Question 04:22 Biblical Perspective on Money 05:04 Today’s Gratitude Statement 05:24 Benefits of Good Credit 11:06 Consequences of Bad Credit 16:15 Understanding Credit Monitoring 20:54 Visit https://www.askralphpodcast.com/blog/ for Free Financial Resources 21:20 Immediate Actions for Fraud Protection 26:08 Call to Action 27:42 Reflection Questions 29:48 Closing Thoughts Takeaways: Links referenced in this episode: https://www.askralphpodcast.com/freeze-my-credit-file/https://www.askralphpodcast.com/repair-my-bad-credit/https://mailchi.mp/askralph.com/grouphttps://askralphpodcast.com/livehttps://justaskralph.com/ https://askralph.com/ Companies mentioned in this episode: LISTEN NOW WATCH NOW...

Duration:00:31:07

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

1/27/2025
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 financial identity while maintaining your spiritual integrity. With a focus on the IRS's Identity Theft Protection Personal Identification Number (IP PIN), he explains how this simple yet effective tool can drastically reduce the risk of fraudulent tax returns and give you peace of mind. Ralph emphasizes the importance of being a wise steward of the resources entrusted to you by God, and he provides actionable steps to protect your finances. By taking these precautions, you can avoid being locked out of E-filing and ensure that your tax season is both secure and stress-free. Join Ralph as he combines real-world experience with biblical truth, ensuring you feel empowered and informed as you navigate the complexities of tax season. Read today's blog article Check out the full podcast episode here Podcast Timestamps: 00:00 Episode Overview 04:06 Listener's Question: Real-Life Tax Identity Theft Fears 07:16 Scriptural Guidance on Taxes 08:05 Today’s Gratitude Statement 08:25 Understanding IRS Identity Theft Statistics 11:05 The IP PIN Program: A Solution to Tax Identity Theft 18:30 Practical Steps to Protect Your Financial Identity 23:10 Visit https://www.askralphpodcast.com/blog/ for Free Resources 23:59 Call to Action 27:10 Reflection Questions 28:45 Final Thoughts Takeaways: Links referenced in this episode: https://www.irs.gov/ippinhttps://mailchi.mp/askralph.com/grouphttps://askralphpodcast.com/livehttps://justaskralph.com/ https://askralph.com/askralphpodcast.com/taxprep LISTEN NOW

Duration:00:30:20

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Why Don't I Feel Close to God Anymore?

1/26/2025
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 and the transformative impact it had on both his faith and financial decisions. He emphasizes that true success is not just about spreadsheets and profit margins, but about integrating spiritual practices into every aspect of business. Through a heartfelt message from a listener, Michael, Ralph explores the importance of maintaining a deep connection with God while navigating the demands of entrepreneurship. By implementing a strategy of prayer before profits and aligning business practices with biblical principles, listeners are encouraged to use their entrepreneurial journeys as a way to grow spiritually and feel close to God in every step they take. Read today's blog article Check out the full podcast episode here Podcast Timestamps: 00:00 Episode Overview 02:32 Listener's Struggle: Michael's Story 09:26 Bible Verse 11:53 Today’s Gratitude Statement 13:47 Ralph’s Personal Story of Spiritual Transformation 17:52 The 3P Strategy: Prayer, Principles, Profits 20:18 Practical Steps for Integrating the 3P Strategy 25:35 Visit https://www.askralphpodcast.com/blog/ for Free Resources 32:09 Reflection Questions 34:01 Final Thoughts Takeaways: Links referenced in this episode: askralphpodcast.com/blogaskralphpodcast.com/gospelhttps://mailchi.mp/askralph.com/grouphttps://askralphpodcast.com/livehttps://justaskralph.com/ https://askralph.com/ LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO...

Duration:00:37:11