How Can I Negotiate the Best Deal When Buying a Used Car? Buying a used car can be intimidating, especially when you’re unsure how to negotiate effectively. In this blog post, we’ll explore actionable steps to help you secure the best d…
What Are 7 Ways to Make the Most of My Social Security Check? For retirees relying heavily on Social Security, stretching those benefits can feel overwhelming. In this blog, we’ll explore 7 practical strategies to maximize your Social Securit…
How Do I Navigate Inflation While Maintaining Generosity? Inflation can stretch even the most well-planned budgets, but does that mean generosity should take a back seat? In this post, we’ll explore how you can manage rising costs while stayi…
How Do I Handle Auto Insurance If My Kids Are Away at School? As parents, managing auto insurance costs while keeping your college-bound kids safe can be challenging. This blog post explores strategies to balance premiums and protection, helping yo…
Why Should I Designate a Trust as a Retirement Account Beneficiary? Planning for the future is essential, especially when it comes to ensuring that your hard-earned retirement savings are distributed according to your wishes. Is Securing Your Heirs…
What are Some New Tax Issues Facing Us in 2025? Tax laws are set to undergo significant changes in 2025. For individuals, families, and small business owners, these adjustments could reshape financial plans and tax strategies. Let’s break dow…
Exploring the Credit Score Obsession and What Really Matters For many, achieving an 800 credit score feels like a financial holy grail. But is the stress of reaching this milestone truly worth it? In this blog post, 'Does a Perfect Credit Score Mat…
What Are 7 Warning Signs That My Computer Has Been Hacked? In today’s digital age, protecting your computer from cyber threats is more crucial than ever. With ransomware attacks and data breaches becoming more prevalent, knowing the early war…
Why Should I Choose a Credit Union over a Traditional Bank? In today’s world, choosing the right financial institution is more important than ever. If you’re deciding between a credit union and a traditional bank, understanding the diff…
How Can We Express Our Love for Christ in Our Daily Lives? Living a Christ-centered life involves more than attending church or saying prayers—it’s about reflecting His love in our daily actions. In this blog, we share practical ways to…
How Can I Find Financial Harmony with My Partner? Money can be a source of tension in even the strongest relationships. If you’ve ever found yourself avoiding conversations about finances with your spouse or partner, you’re not alone. I…
What Are the 9 Steps I Can Take Right Now for a Better Tax Situation Next Year? Tax season can be a daunting time, but proactive planning can make all the difference. In this blog post, we explore 9 actionable steps to set yourself up for a smoothe…
What Are 11 Tax-Related New Year’s Resolutions I Should Adopt? With the New Year comes an opportunity to re-evaluate your financial habits and implement resolutions that can improve your tax situation. In this blog post, we’ll outline 1…
What are 5 common investment choices which kill your returns? Have you ever wondered why your investment portfolio isn’t growing as expected? Poor investment choices might be to blame. In this episode of The Ask Ralph Show, Ralph Estep …
How do I freeze my credit file and why should I consider doing it? In today’s digital world, identity theft and financial fraud are more common than ever. Protecting your financial security starts with taking proactive measures, and freezing …
What are 19 steps I can take to overcome my savings shortfall even in my early 50’s? Feeling behind in your retirement savings in your early 50s? You’re not alone. Life’s unexpected twists often leave many wondering if they’…
Do I Love the World and My Stuff Too Much? Are your affections set on this world and not on your heavenly home? Are you feeling overwhelmed by your possessions or distracted by the endless pursuit of more? In today’s episode of The Ask Ralph …
What are 11 tips to go from living paycheck to paycheck into true wealth building? Are you tired of feeling like there’s never enough money to go around? Living paycheck to paycheck can be exhausting, leaving little room for savings, investme…
What Changes Are Coming to Social Security in 2025? Social Security remains a cornerstone of retirement planning for many Americans, but with significant changes on the horizon for 2025, it’s essential to stay informed. From adjustments to th…
What Are 9 Retirement Expenses Which I May Not Have Considered? Retirement should be a time to enjoy the fruits of your labor, but unexpected expenses can strain your finances. Let’s uncover nine often-overlooked Hidden Costs Should You Prepa…
What Are the 9 Most Common Estate Planning Mistakes? Estate planning is one of the most important financial steps you can take to protect your loved ones, yet many people make simple errors that can have lasting consequences. Whether it’s fai…
What Are the Best Apps to Use to Help My Kids with Their Finances? As parents, teaching kids financial responsibility is a priority—but where do we start? In today’s digital world, apps like Greenlight, GoHenry, and Current provide exce…
How Much Cash Should I Keep on Hand Once I Retire? Retirement is a time for enjoying life, not worrying about financial surprises. But how much cash should you keep on hand to stay secure? In this blog post, inspired by The Ask Ralph Show, we&rsquo…
Did You Know Jesus Died for the Bad People Too? When reflecting on financial mistakes, many feel burdened by guilt and shame, wondering if redemption is possible. The good news? Jesus’ sacrifice offers hope and second chances—even for t…