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Ask Ralph
Ask Ralph Media, Inc.
Looking to take your financial knowledge to the next level? Whether you are looking to save taxes or improve your business, Ask Ralph will bring you new information designed to make the complex simple and give you real-world advice.
- 26 minutes 49 secondsIs Your Old Filing Status Stealing Your Tax Refund?
Are you potentially leaving thousands of dollars on the table due to a simple checkbox on your tax return? Discover how a single oversight can cost you dearly, as Ralph Estep Jr. shares the gripping story of Michelle, a widow who missed out on $8,000 in tax refunds simply because she wasn't aware of her filing options. If you're a single parent, recently widowed, or supporting family members, this episode holds the key to unlocking significant financial benefits that could change your life. Ralph dives into the importance of understanding tax filing statuses and offers practical steps to reclaim what is rightfully yours. Join him as he combines real-world experience with faith-based principles to guide you toward financial clarity and security. Don’t let your old filing status steal your tax refund – tune in and take control of your financial future today!
Check out the full podcast episode here
Podcast Timestamps:
00:00 Episode Overview
03:36 Listener’s Question
07:21 Bible Verse
07:46 Today’s Gratitude Statement
08:10 Michelle’s Story
13:58 Practical Steps to Maximize Your Refund
16:38 Immediate Actions Steps to Maximize Your Tax Savings
19:59 Visit https://www.askralphpodcast.com/blog/ for Free Financial Resources
20:18 Call to Action - Visit https://www.askralphpodcast.com/taxprep/ to schedule your tax preparation today
23:47 Reflection Questions
25:30 Final Thoughts
Takeaways:
- Many people unknowingly miss out on significant tax refunds due to incorrect filing statuses.
- Understanding tax filing options can potentially recover thousands in missed refunds for families.
- Seeking professional tax advice is a wise investment that can lead to financial recovery.
- The story of Michelle illustrates how simple changes in tax filing can change lives.
- Single parents and widows should explore their tax filing status to maximize refunds.
- Amending past tax returns can uncover missed opportunities for financial support and stability.
Links referenced in this episode:
- askralph.com
- https://www.askralphpodcast.com/blog/
- https://www.askralphpodcast.com/taxprep
- Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group
- Ask Ralph Show Live https://askralphpodcast.com/live
- What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/
Companies mentioned in this episode:
- Admire Medical
- Saggio Accounting Plus
- Ask Ralph Media, Inc.
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
Please share our Podcast with all your friends and family!
Submit your questions or ideas for future shows - email us at
[email protected] or leave a voicemail message on our podcast page
Like us on Facebook and follow us on Facebook at
https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit 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 for more information!
Buy Ralph's Book - Mastering Your Finances! on Amazon
Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon
23 January 2025, 8:00 am - 58 minutes 53 secondsCan Spending More on Healthcare Now Actually Save You Thousands Later? My interview with Dr. Alex Watson of Admire Medical
Are you tired of feeling trapped by rising medical bills? Ralph Estep Jr. sits down with Dr. Alex Watson from Admire Medical to explore how preventive healthcare can transform your financial future. They discuss the concept of "prehabilitation," a proactive approach that not only improves health outcomes but can also save you thousands in future medical costs. Through real success stories, including a patient who eliminated insulin dependency, they highlight the tangible benefits of investing in your health today to avoid greater expenses down the road. Join Ralph and Dr. Watson as they uncover strategies to better manage your health and finances while aligning with Christian stewardship principles—because investing in your health today can Save You Thousands Later.
Check out the full podcast episode here:
Podcast Timestamps:
00:00 Episode Overview
02:25 Listener Question: Struggling with Medical Bills
08:00 Bible Verse
08:30 Gratitude Statement
08:48 My Interview with Dr. Alex Watson from Admire Medical
12:33 Understanding Prehabilitation
19:36 Membership-Based Healthcare Model
25:50 Ideal Patients for Preventive Care
35:32 Challenges in Conventional Medicine
39:39 Financial Benefits of Preventive Care
44:46 Success Stories and Patient Outcomes
50:22 How to Connect with Dr. Watson
54:24 Visit https://www.askralphpodcast.com/blog/ for Free Financial Resources
54:44 Reflection Questions
56:32 Call to Action
57:47 Conclusion
Takeaways:
- Preventive healthcare can save you significant costs in the long run by reducing chronic health issues.
- Investing in your health through preventive measures is a form of financial stewardship.
- A membership-based medical practice can provide personalized care and better health outcomes.
- Understanding the connection between financial and health well-being is vital for overall success.
- Using Health Savings Accounts (HSAs) for preventive care can maximize your savings potential.
- Many patients experience life-changing health improvements by engaging in preventive and prehabilitation care.
Links referenced in this episode:
- Dr. Alex Watson's Website: admiremedical.com
- Get a copy of Dr. Watson's book - Healing in Advance: Your Prehabilitation Handbook askralphpodcast.com/admire
- Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group
- Ask Ralph Show Live https://askralphpodcast.com/live
- What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/
- Join our email list and get a free copy of “Mastering Your Finances” at https://askralph.com/
Companies mentioned in this episode:
- Admire Medical
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
Please share our Podcast with all your friends and family!
Submit your questions or ideas for future shows - email us at
[email protected] or leave a voicemail message on our podcast page
Like us on Facebook and follow us on Facebook at
https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit 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 for more information!
Buy Ralph's Book - Mastering Your Finances! on Amazon
Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon
22 January 2025, 8:00 am - 34 minutes 15 secondsTax Identity Theft: Is Someone Filing Returns in Your Name?
Tax identity theft can be a devastating blow to your finances, leaving you feeling violated and overwhelmed. Today, we dive deep into this pressing issue, sharing practical steps you can take to protect yourself and your family from becoming a victim. We'll explore a powerful story of Sarah, a small business owner who faced this nightmare, and how she navigated her way from crisis to triumph with faith and guidance. Throughout the episode, financial evangelist Ralph Estep Jr. emphasizes the importance of being proactive in safeguarding your financial identity, offering biblical wisdom and actionable advice. Don’t miss out on these essential insights to help you secure your financial future, find peace of mind amidst uncertainty, and protect yourself from Tax Identity Theft.
Check out the full podcast episode here
Podcast Timestamps:
00:00 Episode Overview
02:21 Listener Question: Maria's Tax Identity Theft
06:05 Bible Verse: Proverbs 22:3
07:00 Today’s Gratitude Statement
07:17 Sarah's Story: From Crisis to Triumph
15:55 Immediate Actions for Victims of Tax Identity Theft
18:06 Critical Business Protection Steps
19:48 Spiritual and Personal Support
20:35 Documentation to Gather
21:54 Essential Strategies to Prevent Tax Identity Theft
27:26 Visit https://www.askralphpodcast.com/blog/ for Free Financial Resources
27:48 Call to Action: Join the Live Community
30:36 Reflection Questions
32:38 Closing
Takeaways:
- Tax identity theft can happen to anyone, so proactive measures are essential to prevent it.
- Filing your tax return early can protect you from identity theft and help identify issues.
- Always secure personal information, including shredding documents and using strong passwords.
- Maintaining detailed records and documenting every interaction with financial institutions is crucial.
- Engage a trusted financial advisor or professional for guidance in complex situations.
- Having a plan for financial emergencies can strengthen your resilience against identity theft.
Links referenced in this episode:
- Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group
- Ask Ralph Show Live https://askralphpodcast.com/live
- What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/
- Join our email list and get a free copy of “Mastering Your Finances” at https://askralph.com/
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
Please share our Podcast with all your friends and family!
Submit your questions or ideas for future shows - email us at
[email protected] or leave a voicemail message on our podcast page
Like us on Facebook and follow us on Facebook at
https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit 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 for more information!
Buy Ralph's Book - Mastering Your Finances! on Amazon
Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon
21 January 2025, 8:00 am - 29 minutes 8 secondsDoes Saving for Emergencies Mean We Don't Trust God?
Feeling guilty about having an emergency fund? You’re not alone. Many people wrestle with the idea that saving money might indicate a lack of trust in God. Ralph addresses this struggle head-on, sharing his personal journey from financial hardship to finding peace in balancing financial responsibility with faith. Through the lens of Matthew 6:26, he emphasizes that wise stewardship is not only acceptable but can be an expression of faith. Join Ralph as he offers practical biblical guidance to help you align your financial decisions with God’s purpose, proving that financial success, saving for emergencies, and deep faith can coexist harmoniously.
Check out the full podcast episode here
Podcast Timestamps:
00:00 Episode Overview
01:48 Listener's Dilemma: Trusting God vs. Financial Preparedness
05:28 Biblical Insights: Matthew 6:26
08:10 Today’s Gratitude Statement
08:35 Personal Journey: Lessons from Two Financial Extremes
15:20 Practical Steps: Finding Balance Between Faith and Finances
23:30 Visit https://www.askralphpodcast.com/blog/ for Free Financial Resources
23:51 Reflection Questions
27:20 Final Thoughts
Takeaways:
- Being financially responsible does not equate to a lack of faith in God.
- Wise stewardship can be an expression of faith, blending financial responsibility with trust.
- Planning for emergencies can coexist with trusting God for daily provision and care.
- Your unique financial story, shaped by experiences, prepares you for greater purposes.
- Grounding yourself in scripture helps combat feelings of guilt regarding wealth and savings.
- Engaging in practical steps for balance is essential for integrating faith and finances.
Links referenced in this episode:
- Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group
- Ask Ralph Show Live https://askralphpodcast.com/live
- What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/
- Join our email list and get a free copy of “Mastering Your Finances” at https://askralph.com/
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
Please share our Podcast with all your friends and family!
Submit your questions or ideas for future shows - email us at
[email protected] or leave a voicemail message on our podcast page
Like us on Facebook and follow us on Facebook at
https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit 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 for more information!
Buy Ralph's Book - Mastering Your Finances! on Amazon
Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon
20 January 2025, 8:00 am - 37 minutes 50 secondsHow do I find peace with God?
How do you find genuine peace with God amidst the chaos of financial success? This episode delves into the transformative journey of individuals like Michael, who, despite achieving impressive business milestones, grapple with an overwhelming sense of emptiness. Through the story of David, a successful entrepreneur who discovered that true fulfillment comes from aligning business practices with spiritual values, listeners are encouraged to embrace purpose-driven entrepreneurship. The discussion highlights practical steps, such as starting each day with prayer and establishing a faith-based support system, to cultivate a deeper connection with God while managing business challenges. Tune in as we explore how integrating faith into your work can lead not only to spiritual growth and unexpected business success but also to lasting peace with God.
Check out the full podcast episode here
Podcast Timestamps:
00:00 Episode Overview
02:42 Listener’s Question
04:58 David's Journey to Spiritual Awakening
08:33 Biblical Verse
11:45 My Gratitude Statement
19:07 Three Transformative Steps for Entrepreneurs
28:13 Visit https://www.askralphpodcast.com/blog/ for Free Financial Resources
28:40 Call to Action
32:16 Reflection Questions
33:52 Prayer
36:17 Closing
Takeaways:
- Finding peace with God can significantly transform your approach to business and finances.
- True entrepreneurial purpose integrates spiritual fulfillment with financial success, rather than opposing each other.
- Establish daily practices like prayer and scripture reading to align your business decisions with faith.
- Building a support system of fellow Christian entrepreneurs provides both accountability and encouragement during challenges.
- Viewing your business as a ministry can shift your focus from profit to purpose, leading to fulfillment.
- Reflect on your life to identify areas where you need to surrender control to God.
Links referenced in this episode:
- Gospel of Entrepreneurship Book https://askralphpodcast.com/gospel
- Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group
- Ask Ralph Show Live https://askralphpodcast.com/live
- What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/
- Join our email list and get a free copy of “Mastering Your Finances” at https://askralph.com/
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
Please share our Podcast with all your friends and family!
Submit your questions or ideas for future shows - email us at
[email protected] or leave a voicemail message on our podcast page
Like us on Facebook and follow us on Facebook at
https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit 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 for more information!
Buy Ralph's Book - Mastering Your Finances! on Amazon
Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon
19 January 2025, 8:00 am - 40 minutes 14 secondsHelp! I Just Got a 1099 - What Is It and What Do I Do Now?
Are you feeling overwhelmed by tax obligations as a freelancer? This episode dives into the concerns of Angie's journey as a new freelance graphic designer facing the anxiety of tax responsibilities, particularly after receiving multiple 1099 forms. Ralph Estep Jr. offers practical advice on managing finances, including how to handle deductions, the importance of setting aside money for taxes, and the value of seeking professional help. The discussion also clarifies the crucial differences between tax credits and deductions, explaining why a tax credit is generally far more beneficial than a deduction. Tune in for insights that align financial decision-making with biblical principles, ensuring you're not only compliant but also finding peace of mind in your financial journey—especially if you just got a 1099.
Check out the full podcast episode here
Podcast Timestamps:
00:00 Episode Overview
01:45 Bible Verse
02:26 Gratitude Statement
03:16 Listener’s Question
06:40 Practical Steps for Freelancers
15:08 Listener’s Question #2
16:28 Single Parent Tax Benefits
23:25 Action Steps for Custody and Tax Documentation
25:32 Listener’s Question #3
26:24 Tax Credits vs. Tax Deductions: Understanding the Difference
27:16 Tax Credits: The Heavyweight Champions
28:22 Tax Deductions: Discounts on Taxable Income
31:34 Strategic Tax Planning: Credits and Deductions
34:37 Saggio Management Group: Your Financial Ally
38:18 Closing Thoughts
Takeaways:
- Managing finances involves both practical steps and spiritual integrity, as discussed by Ralph.
- Freelancers must understand their tax obligations, including the importance of 1099 forms.
- It's crucial to differentiate between tax credits and deductions, as they impact savings.
- Setting aside 25 to 35% of income for taxes can prevent financial stress later.
- Organizing financial documents and receipts is key to successful tax preparation.
- Seeking professional help for tax issues can provide peace of mind and clarity.
Links referenced in this episode:
- askralphpodcast.com/taxprep
- Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group
- Ask Ralph Show Live https://askralphpodcast.com/live
- What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/
- Join our email list and get a free copy of “Mastering Your Finances” at https://askralph.com/
Companies mentioned in this episode:
- QuickBooks
- Intuit
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
Please share our Podcast with all your friends and family!
Submit your questions or ideas for future shows - email us at
[email protected] or leave a voicemail message on our podcast page
Like us on Facebook and follow us on Facebook at
https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit 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 for more information!
Buy Ralph's Book - Mastering Your Finances! on Amazon
Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon
18 January 2025, 8:00 am - 34 minutes 30 secondsHow do I teach my children about biblical money principles?
Are you worried your children might repeat the same financial mistakes you made growing up? Ralph Estep Jr. addresses this common concern by sharing effective strategies for teaching children biblical money principles that can foster lifelong financial responsibility. He emphasizes that understanding money management isn’t just about numbers—it's about creating a legacy that impacts future generations. Through a heartfelt listener question from Ingrid, who fears her daughter’s materialistic tendencies, Ralph explores the importance of aligning financial decisions with faith and values. With practical advice on earning, saving, spending, and giving, this episode aims to equip parents with the tools to teach their children about biblical money principles and instill sound financial habits while navigating today’s materialistic culture.
Check out the full podcast here
Podcast Timestamps:
00:00 Episode Overview
02:55 Listener Question: Ingrid's Struggle
07:22 Bible Verse
10:12 My Gratitude Statement
11:18 Statistic About Youth And Materialism
13:23 Personal Story: The Claw Machine Incident
18:34 The Four Components of Money Management
27:43 Visit https://www.askralphpodcast.com/blog/ for Free Financial Resources
28:07 Call to Action
31:07 Reflection Questions
32:51 Conclusion
Takeaways:
- Teaching children biblical money principles fosters a legacy that impacts future generations.
- Starting early with money concepts, like piggy banks, helps children understand finances.
- Parents can model financial responsibility by discussing budgeting and sharing successes and setbacks.
- Involving kids in financial decisions encourages understanding of budgeting and responsible spending.
- Using interactive tools, like money games, can make financial learning fun for children.
- Encouraging charitable giving helps children learn the importance of stewardship over materialism.
Links referenced in this episode:
- Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group
- Ask Ralph Show Live https://askralphpodcast.com/live
- What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/
- Join our email list and get a free copy of “Mastering Your Finances” at https://askralph.com/
- https://www.askralphpodcast.com/blog/
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
Please share our Podcast with all your friends and family!
Submit your questions or ideas for future shows - email us at
[email protected] or leave a voicemail message on our podcast page
Like us on Facebook and follow us on Facebook at
https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit 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 for more information!
Buy Ralph's Book - Mastering Your Finances! on Amazon
Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon
17 January 2025, 8:00 am - 32 minutes 25 secondsDo I have to pay taxes when I sell my home?
Are you worried about a hefty tax bill after selling your home? Ralph Estep Jr. addresses this common concern by sharing the inspiring story of his client, Patrick, who transitioned from panic to peace upon discovering the truth about home sales taxes. Ralph emphasizes the importance of understanding capital gains tax exemptions and illustrates how proper planning can save you significant amounts of money. He also highlights the critical role of documenting home improvements, which can substantially increase your cost basis and minimize tax liability. With practical advice and relatable anecdotes, Ralph encourages listeners to seek wise counsel and take control of their financial futures while navigating the emotional complexities of selling a home—even if you're asking yourself, "Will I have to pay taxes when I sell my home?"
Check out the full podcast episode
Podcast Timestamps:
00:00 Episode Overview
02:10 Listener Question: Ginny's Dilemma
06:07 Biblical Wisdom for Financial Decisions
08:35 Gratitude Statement
08:56 Client Story: Patrick and Beth's Tax Relief
13:40 Understanding Capital Gains and Exclusions
18:04 State-Level Tax Considerations
21:13 Lessons Learned and Practical Advice
23:35 Visit https://www.askralphpodcast.com/blog/ for Free Financial Resources
23:51 Call to Action - Book a Call with Ralph!
27:31 Reflection Questions
28:22 Action Steps To Safeguard Your Financial Future When Selling Your Home
30:43 Conclusion
Takeaways:
- Understanding the capital gains tax implications when selling your home is crucial to safeguarding your financial future.
- Keep meticulous records of home improvements, as they can significantly reduce your tax liability.
- Consulting with financial experts can alleviate anxiety and prevent costly mistakes during home sales.
- The primary residence exclusion allows married couples to exclude up to $500,000 in capital gains.
- Don't rely solely on family advice; seek multiple qualified advisors for sound financial decisions.
- Planning ahead for potential home sales can lead to better financial outcomes and reduced tax burdens.
Links referenced in this episode:
- Ask Ralph Insiders Community
- https://mailchi.mp/askralph.com/group
- Ask Ralph Show Live https://askralphpodcast.com/live
- What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/
- Join our email list and get a free copy of “Mastering Your Finances” at https://askralph.com/
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
Please share our Podcast with all your friends and family!
Submit your questions or ideas for future shows - email us at
[email protected] or leave a voicemail message on our podcast page
Like us on Facebook and follow us on Facebook at
https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit 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 for more information!
Buy Ralph's Book - Mastering Your Finances! on Amazon
Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon
16 January 2025, 8:00 am - 36 minutes 49 secondsI spent too much at Christmas - how do I pay down my credit card debt?
Are you struggling with the financial aftermath of holiday spending? Ralph Estep Jr. shares the inspiring story of Henry, who turned his $10,000 credit card debt into a debt-free success in just ten months. This episode delves into the emotional stress of overwhelming debt and provides practical strategies for tackling credit card bills, creating a realistic budget, and finding hope during financial challenges. Ralph highlights the importance of aligning your spending with your values and incorporating faith into your financial decisions. Tune in as Ralph shares actionable steps to take control of your finances, achieve lasting freedom, and confidently work toward paying down your credit card debt.
Check out the full podcast episode here
Podcast Timestamps:
00:00 Episode Overview
01:52 Listener's Heartfelt Question
06:18 Bible Verse: Hebrews 13:5
07:03 Gratitude Statement
07:43 Henry's Debt-Free Journey
14:55 Debt Freedom Plan
27:35 Visit https://www.askralphpodcast.com/blog/ for Free Financial Resources
27:50 Call to Action
33:07 Reflection Questions
33:54 Action Steps
35:21 Conclusion
Takeaways:
- The emotional burden of credit card debt can often feel overwhelming, but there is hope.
- Creating a structured budget is essential for managing expenses and achieving debt freedom.
- Building an emergency fund protects against unexpected financial challenges and reduces stress.
- Communication with family members about financial struggles can help alleviate feelings of isolation.
- Finding ways to increase income, such as freelancing or side jobs, can accelerate debt repayment.
- Celebrating small financial milestones can motivate you to stay on track toward your goals.
Links referenced in this episode:
- Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group
- Ask Ralph Show Live https://askralphpodcast.com/live
- What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/
- Join our email list and get a free copy of “Mastering Your Finances” at https://askralph.com/
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
Please share our Podcast with all your friends and family!
Submit your questions or ideas for future shows - email us at
[email protected] or leave a voicemail message on our podcast page
Like us on Facebook and follow us on Facebook at
https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit 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 for more information!
Buy Ralph's Book - Mastering Your Finances! on Amazon
Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon
15 January 2025, 8:00 am - 29 minutes 34 secondsWhat is a tax refund loan and why are they such a terrible idea?
Are you considering a tax refund loan because of urgent financial needs? Before you take that leap, it's crucial to understand why these loans can be a costly mistake. Host Ralph Estep Jr. dives deep into the predatory nature of tax refund loans, revealing how they often come with hidden fees that can lead you into a cycle of debt. He shares poignant stories, including that of a listener named Jessica, who is grappling with unexpected expenses and feels pressured to make a hasty decision. With practical advice and biblical wisdom, Ralph encourages listeners to explore healthier financial alternatives and emphasizes the importance of patience and discernment in money management, reminding them that a tax refund loan isn’t worth the long-term financial burden it may create.
Check out the full podcast episode here
Podcast Timestamps:
00:00 Episode Overview
01:46 Listener Question: Jessica's Dilemma
04:46 Bible Verse: Isaiah 48:17
06:30 Gratitude Statement
06:50 Tom's Story: A Cautionary Tale
11:43 Understanding Tax Refund Loans
19:53 Visit https://www.askralphpodcast.com/blog/ for Free Financial Resources
20:16 Call to Action
23:49 Reflection Questions
24:59 Action Steps
28:09 Conclusion
Takeaways:
- Tax refund loans often come with hidden fees that can cost you significantly more than waiting for your actual refund.
- It’s crucial to assess your financial situation carefully before opting for quick cash solutions like tax refund loans.
- Building an emergency fund is essential to avoid financial desperation during unexpected expenses, such as medical emergencies.
- Relying on tax refund advances can lead to a cycle of dependency and increased financial stress for struggling families.
- Understanding the true costs of tax preparation services can help you make more informed decisions when filing your taxes.
- Using direct deposit for your tax refund is not only faster but also more secure than receiving a check.
Links referenced in this episode:
- Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group
- Ask Ralph Show Live https://askralphpodcast.com/live
- What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/
- Join our email list and get a free copy of “Mastering Your Finances” at https://askralph.com/
- askralphpodcast.com/taxprep
Companies mentioned in this episode:
- Liberty University
- Saggio Accounting
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
Please share our Podcast with all your friends and family!
Submit your questions or ideas for future shows - email us at
[email protected] or leave a voicemail message on our podcast page
Like us on Facebook and follow us on Facebook at
https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit 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 for more information!
Buy Ralph's Book - Mastering Your Finances! on Amazon
Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon
14 January 2025, 8:00 am - 29 minutes 18 secondsHow will I ever be able to buy a home?
Feeling discouraged by rising home prices and overwhelming debt? You're not alone, and there is hope. Ralph Estep Jr. shares how biblical wisdom and practical financial strategies can help you achieve your dream of homeownership. He addresses the importance of diligence and planning, emphasizing that the journey is just as crucial as the destination. Through inspiring stories of individuals who navigated their own financial challenges, Ralph illustrates how perseverance, faith, and the right guidance can lead to lasting stability and wealth. Join him as he provides actionable steps and resources to help you take control of your finances and move closer to being able to buy a home and achieve financial freedom.
Check out the full podcast episode here
Podcast Timestamps:
00:00 Episode Overview
02:00 Listener Question: Kiley's Dilemma
03:53 Biblical Wisdom: Proverbs 21:5
04:35 Gratitude Statement
05:10 Rylie's Story: Overcoming Adversity
14:19 John and Mary Thompson: A Testament to Faith
20:51 Government Programs and Financial Strategies
22:36 Call to Action
24:17 Reflection Questions
25:31 Action Steps
27:40 Visit https://www.askralphpodcast.com/blog/ for Free Financial Resources
28:11 Conclusion
Takeaways:
- Homeownership is achievable through diligent planning and aligning financial goals with faith.
- Persistent savings and financial education are crucial for navigating rising home prices effectively.
- Seek God's guidance through prayer while pursuing your dream of homeownership.
- Utilizing government programs like FHA and VA loans can ease the path to buying a home.
- Building an emergency fund should be prioritized before focusing on down payment savings.
- Your homeownership journey requires both faith and a solid financial plan to succeed.
Links referenced in this episode:
- Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group
- Ask Ralph Show Live https://askralphpodcast.com/live
- What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/
- Join our email list and get a free copy of “Mastering Your Finances” at https://askralph.com/
Companies mentioned in this episode:
- Department of Veterans Affairs
- US Department of Agriculture
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
Please share our Podcast with all your friends and family!
Submit your questions or ideas for future shows - email us at
[email protected] or leave a voicemail message on our podcast page
Like us on Facebook and follow us on Facebook at
https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit 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 for more information!
Buy Ralph's Book - Mastering Your Finances! on Amazon
Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon
13 January 2025, 8:00 am - More Episodes? Get the App
About Ask Ralph
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