Should I Refinance My Auto Loan And How Do I Even Do It? A car payment that eats up your budget can feel like a heavy burden, making it seem like you're driving down the road to financial ruin. The strain of a large monthly payment can limit your fi…
How Do Social Security Survivor Benefits Work? Navigating the complex world of Social Security survivor benefits can be challenging. Understanding who qualifies, how much is available, and when to claim can feel overwhelming. Join Ralph Estep Jr. on…
I Just Got Married – Do You Have A Newlywed Tax Checklist For Me To Follow? When you get married, your tax situation can change in a few ways. Join Ralph Estep Jr. on this Tax Talk Thursday edition of the Ask Ralph Show as he discusses the va…
What Are 10 Expenses I Can Drop Immediately And Not Even Miss Them? Feeling like your money is slipping right through your fingers can be incredibly frustrating. It's easy to feel out of control when expenses seem to pile up and savings dwindle. Jo…
Should I Take a Digital Sabbath and How I Do It? As a devoted Christian, balancing your digital life with your faith can be challenging. It's about finding ways to manage your technology use efficiently while ensuring your actions align with your s…
Should I Play The Bank Bonus Game? It's easy to be tempted by shiny bank bonus offers that promise quick rewards for opening a new account. While the allure of extra cash is strong, it's important to read the fine print and consider the long-term i…
Am I Too Far Gone For Forgiveness? If you feel burdened by guilt and shame, thinking your mistakes are too big to be forgiven, you're not alone. Join Ralph Estep Jr. on the Ask Ralph Show as he explores the heart of redemption and forgiveness from …
How Can High-Income Individuals Optimize Their Taxes? As a high-income earner, optimizing your taxes while staying true to your Christian values can be a delicate balance. It's about finding ways to manage your finances efficiently while ensuring y…
What Is Meant By The Social Security Earnings Cap and How Does That Affect My Future Benefits? If your Social Security benefits are less than expected, there could be several reasons for this discrepancy. Join Ralph Estep Jr. on the Ask Ralph Show …
What Is The Tax Impact of Gifting Someone Stock? Gifting stocks can have significant tax implications. Understanding these effects is crucial, as both the giver and receiver may face tax considerations. Join Ralph Estep Jr. on the Ask Ralph Show as…
