Emergency Fund Episodes

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...

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...

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...