Impulse Spending Episodes

Lifestyle creep is sneaky, and it might be robbing you of the financial freedom you’ve worked so hard to achieve. We’re diving into how those little expenses can stack up and steal your hard-earned progress. Trust me, it’s li...

Ever feel like your bank account is leaking money, even when you haven’t made a big purchase? In this episode of Financially Confident Christian , Ralph unpacks how those small, unplanned expenses add up and steal your peace ...

In this episode of Financially Confident Christian , Ralph helps listeners tackle the exhausting cycle of chasing “more” and never feeling satisfied. He explores how defining what truly matters can free you from constantly mo...

You’ve built a budget, you’re tracking your numbers, but some categories still leave you feeling out of control. In this episode, Ralph explores why setting personal spending rules might be the missing piece in your plan. Rat...

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...

Do your money habits reflect what matters most? In this episode of Ask Ralph , Ralph and Craig revisit key takeaways from recent episodes on budgeting, meal planning, impulse spending, and more, all rooted in the challenge to...

Ever bought something on a whim—only to regret it later? You’re not alone. In this episode of Ask Ralph , Ralph breaks down the psychology behind impulse spending and introduces a faith-filled, practical tool to help you paus...

Are impulse purchases derailing your financial goals? In this episode of Ask Ralph , Ralph Estep Jr. addresses one of the biggest traps keeping people stuck in the paycheck-to-paycheck cycle: impulse spending. Ralph unpacks w...