Debts Episodes
How Can I Avoid Getting Back Into Debt?
You’ve worked hard to pay down debt and build momentum, but now comes the part no one talks about enough— how to protect your progress. In this episode of Financially Confident Christian , Ralph unpacks why staying out of deb...
Where Can I Find Extra Money to Pay Off Debt Faster?
So, you’ve picked your debt payoff strategy—snowball or avalanche—and now you’re ready to hit the gas. But there’s one problem: your budget feels tapped out. In this episode of Financially Confident Christian , Ralph helps yo...
What Debt Payoff Strategy Actually Works for You?
You’ve faced your debt, acknowledged the numbers, and taken a deep breath—but now what? In this episode of Financially Confident Christian , Ralph breaks down the two most popular debt payoff strategies: the debt snowball and...
Is Your Debt Lying to You About Who You Are?
In this deeply encouraging episode of Financially Confident Christian , Ralph shifts the focus from numbers to narratives—the ones debt tells us about who we are and what we're worth. If you’ve ever felt ashamed, stuck, or li...
How Can You Stop Small Emergencies From Derailing Debt Payoff?
You’re finally making progress on your debt—and then life happens. A flat tire. A broken appliance. A surprise medical bill. In this episode of Ask Ralph , Ralph shares a powerful and practical strategy to keep small emergenc...
Need Debt Payoff Motivation? Can $20 Make a Difference?
Feeling overwhelmed by your debt total? You’re not alone. In this episode of Ask Ralph , Ralph shares the surprising power of small steps—specifically, how making a single $20 payment toward your smallest debt can break throu...
Trying to Pay Off Debt? Should You Stop Using Credit Cards?
Debt isn’t just numbers—it’s emotional, spiritual, and heavy. In this episode of Ask Ralph , Ralph kicks off a new focus in the Joy of Living Below Your Means series by tackling the first, most courageous step toward financia...
Ready to Face Your Debt? Where Do You Start?
Still using credit cards while trying to pay them off? You’re not alone—and you’re not broken. In this episode of Ask Ralph , Ralph gets honest about the cycle so many of us find ourselves in: making a payment on our debt, on...
What happens to your debt when you’re no longer here?
Losing a loved one is already an overwhelming experience, but discovering they left behind a mountain of hidden debt can make it even more challenging. In this episode, we tackle the tough realities of managing a deceased fam...
How Can Faith and Wisdom Break the Chains of Debt?
Feeling like you’re buried under a mountain of debt? Yeah, it can feel like a relentless thief robbing you of your peace and joy. Today, we’re diving into how your faith in God can help you break those chains of financial des...
Could Diligence and Discipline Slash Your Shopping Bill?
It's all about breaking free from that pesky financial despair today! Ralph Estep Jr., our financial evangelist, tackles the real-world struggles of living paycheck to paycheck, crushing debt, and the dream of a stress-free r...
I 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 delve...
What happens to your debts after you die?
Worried about how your debts will be handled after you pass away? Unsure what this means for your estate and loved ones? Tune in to Episode 262 of the Ask Ralph Show with Ralph Estep Jr. as he explores the crucial topic of de...