Recently, a question landed in my email that perfectly encapsulated a common misconception about investing: "Isn't investing just for rich people? Doesn't it require tons of money or secret knowledge?" This belief is a pervasive myth, and it’s…
Can Small Financial Steps Really Change Your Life? Let’s be honest: when you’re staring down a mountain of bills, living paycheck to paycheck, or feeling the weight of your financial mistakes, hearing someone say “just take small …
Building Your Financial House on the Rock: 5 Biblical Pillars for Lasting Financial Peace Welcome, friends, to another opportunity to explore how our faith intersects with our finances. Many Christians today find themselves navigating a landscape o…
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 7 things I can do to get the highest price when selling my car? Are you wondering if you’re getting the best deal when selling your car? This question often plagues sellers, but in Episode 325 of the Ask Ralph Podcast, Ralph Estep Jr…
Why looking poor can be the key to being rich? Do you ever feel overwhelmed by the pressure to showcase wealth in a world that values appearances? You’re not alone. In Episode 318 of The Ask Ralph Podcast, Ralph Estep Jr. reveals the surprisi…
Are You Sharing Your Social Security Number in These Risky Places? Ever feel uneasy when someone asks for your Social Security number? You’re right to be cautious. In Episode 304 of the Ask Ralph Podcast, host Ralph Estep Jr. dives into the r…
Should You Purchase Special Medical Insurance When Traveling Abroad? | Essential Travel Tips Are you planning an international trip? Have you considered the importance of special medical insurance? If you’ve ever faced a medical emergency in …
What Are the Top 5 Areas Retirees Spend Their Money On? As you approach retirement, one question often looms: where will all that money you’ve saved go? In a recent The Ask Ralph Podcast episode, host Ralph Estep Jr. tackled this very questio…
Should You Lend Money to Family and Friends? A Guide to Managing Emotions and Taxes Have you ever found yourself in an awkward position where a friend or family member asks you for a loan? It’s not just the financial risk that comes into play…
9 Unexpected Costs of Selling Your Home (And How to Prepare for Them) Selling your home can be an exciting milestone, but it also comes with hidden costs that can eat into your profits if you’re unprepared. In this episode of The Ask Ralph Po…
How Can You Discuss Pension Income During the Dating Process? Talking about finances, especially pensions, while dating later in life can be daunting. In Episode 269 of the Ask Ralph Show, Ralph Estep Jr. answers the question, How can you discuss p…
What are 10 things that banks don’t want you to know which could cost you money? Banks often have practices that aren't immediately obvious to consumers. Understanding this and asking the right questions can help you make more informed financ…
How do I get my infant on the course to great credit? Setting your newborn up for financial success involves a few strategic steps. Join Ralph Estep Jr. on the Ask Ralph Show as he explores how to set up your newborn for financial success, emphasiz…
Why should I consider collecting social security benefits early? The timing of when you start collecting Social Security benefits can significantly impact your financial future. Deciding to start benefits early might affect your long-term financial …
What Are Some Essential Money Management Tips For Individuals As Well As Business Owners? Handling money effectively in both your personal life and as a business owner requires a unique approach. The challenges of managing finances in these two are…
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…
How Do I Rebuild My Credit After A Financial Crisis? Rebuilding credit after a financial crisis can be a challenging and stressful process. It involves patience, persistence, and careful financial planning. Join Ralph Estep Jr. on the Ask Ralph Sho…
What Are Seven Financial Perks of Maintaining Great Credit? Imagine finding a secret weapon that saves you thousands of dollars every year. This hidden gem could greatly improve your finances, offering unexpected relief and boosting your savings. I…
How do I make sure I’m not filing a false tax return with the IRS? Are you worried about trading your comfy bed for a cot just to save a few bucks on your taxes? You're not alone. Navigating the complex world of taxes can be daunting, and it'…
My Credit Score Has Dropped Below 700: What Do I Need To Stop Doing Right Away To Improve My Credit Score? Do you find yourself scratching your head every time you check your score, wondering why it's going down? Many people feel confused and…
Financial Saving: What 10 Secret Tips School Didn’t Teach You? Do you ever feel like you missed some crucial money management lessons in school? You’re not alone. Many of us were never taught the practical skills of personal finance and…
What are the 5 alternatives to personal loans that can help you achieve financial freedom without debt? Life often throws unexpected expenses our way—whether it's car repairs, medical bills, or simply the need for a little financial breathing…
Hidden Home Costs Revealed - What Really Adds Up Over Time? Owning a house can seem straightforward at first, but there are often unexpected costs that can arise. Beyond the mortgage, homeowners have to budget for property taxes, insurance, mainten…