Treasury Inflation-Protected Securities (TIPS): A Comprehensive Guide Inflation can be a significant threat to long-term investment goals, diminishing the purchasing power of savings over time. This is especially true for fixed-income securities li…
Protecting Yourself After Your Social Security Number Has Been Compromised Discovering that your Social Security number (SSN) has been compromised can be a stressful experience, especially for older adults and families with young children who are p…
Starting the New Year Strong: A Christian Guide to Financial Success Welcome back to the daily Christian Finance podcast! As we approach the New Year, many of us are reflecting on the past year and setting goals for the future. For many, the…
What Are the 7 Best Things for Retirees to Spend Their Savings On? Retirement is a time to enjoy the fruits of your labor, but how can you ensure your savings are used wisely? In today’s blog post, we’ll explore What Are the 7 Best Thin…
What Are the Top Upgrades You Can Make to Your Home That Make It Harder to Sell? Making upgrades to your home can seem like a wise investment, but not all renovations are created equal. Some might actually make it harder to sell your house. In this…
Why I Probably Shouldn’t Consider a Reverse Mortgage? Are you wondering if a reverse mortgage is the right choice for you? While these loans might seem appealing, they often come with risks that could outweigh their benefits. Let’s expl…
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…
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 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 …
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’…
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 Is Title Insurance and Why Do You Need It? When purchasing a home, ensuring your investment is protected is crucial. But have you considered how title insurance plays a role in safeguarding your property? In this post, we’ll explore the …
Should I Consider Overpaying My Mortgage? When it comes to achieving financial freedom, the idea of overpaying your mortgage often comes up. But is it the right move for everyone? In this blog post, we explore the benefits and drawbacks of paying o…
Is Social Inflation to Blame for Our High Insurance Rates? In recent years, insurance rates have been climbing at an alarming rate. Many people are left wondering: Is social inflation to blame for our high insurance rates? Social inflation refers t…
Can You Use Your 401(k) to Purchase a Home? Exploring the Pros and Cons For many, the dream of homeownership feels out of reach, especially with soaring property prices. But what if your 401(k) could help make that dream come true? In this blog pos…
How can I survive the holidays without going broke? Are holiday expenses threatening to send your budget into chaos? Many people find themselves financially overwhelmed during the festive season, but there’s hope. In Episode 327 of the Ask Ra…
Why don’t I feel like I’m doing well financially – even though I am according to most experts? Struggling with financial peace despite success? In the latest episode of The Ask Ralph Podcast, Ralph Estep Jr. tackles the puzzling ga…
How do I build a death binder and what should I include in it? Creating a “death binder” is one of the most caring ways to prepare your family for the future. In episode 316 of The Ask Ralph Show, Ralph Estep Jr. covers the essentials o…
What are some of the most popular misconceptions of money in scripture? Feeling weighed down by misconceptions about money and scripture? In Episode 315 of the Ask Ralph Podcast, Ralph Estep Jr. dives deep into some of the most widespread misunders…
What are common things that most people don't know about social security? Worried about the stability of your retirement with Social Security as your primary source of income? In this episode, Ralph Estep Jr. of The Ask Ralph Podcast unveils crucia…
What are 7 alternatives to buying a home in your golden years? Are you feeling overwhelmed by the prospect of maintaining a home during retirement? In Episode 313 of the Ask Ralph Podcast, Ralph Estep Jr. discusses seven alternatives to purchasing …