Emergency Fund Episodes
My Emergency Fund Is Gone - Now What?
Money stress got you down? We totally get it! Today, we’re diving into how to break that pesky worry cycle when your emergency fund takes a hit—like when your car decides to throw a tantrum and eat up your savings. Trust me, ...
Credit Cards Are Not Your Emergency Fund, Here's Why!
So, let’s dive right into it—using a credit card as an emergency fund? Not such a hot idea, my friends. In this bonus episode, we tackle the question: Is your credit card really a good stand-in for cash when life throws you a...
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...
Why Is an Emergency Fund Your Lifeline to Financial Peace?
What if one unexpected bill could knock everything off track? In this episode of Ask Ralph , Ralph Estep Jr. answers a listener’s heartfelt question: “What can I do when I feel like I’m always one emergency away from disaster...