Motivational Monday Episodes

In this episode of Ask Ralph , we explore the powerful connection between faith and finances—and why it’s about so much more than numbers on a spreadsheet. Ralph challenges the idea of simply applying Christian labels to secu...

Struggling to find clarity with your finances? In this episode of Ask Ralph , we’re addressing the emotional and spiritual weight of financial confusion—and why the first step forward isn’t a spreadsheet or budget, but prayer...

Imagine this: you’ve just received a hefty inheritance. Exciting, right? But before you rush off to buy that sports car or book that dream vacation, hit the brakes! Today, we’re exploring how to handle an inheritance responsi...

Feeling guilty about having an emergency fund? You’re not alone. Many people wrestle with the idea that saving money might indicate a lack of trust in God. Ralph addresses this struggle head-on, sharing his personal journey f...

Feeling discouraged by rising home prices and overwhelming debt? You're not alone, and there is hope. Ralph Estep Jr. shares how biblical wisdom and practical financial strategies can help you achieve your dream of homeowners...

Navigating the delicate balance of protecting a loved one's financial well-being while preserving their dignity is a heart-wrenching challenge, especially when signs of cognitive decline emerge. Ralph Estep Jr. shares a deepl...

Are you concerned about how to wisely spend your retirement savings while honoring God? Ralph Estep Jr. addresses this common dilemma by exploring the seven best ways Christian retirees can manage their finances for meaningfu...

Are you struggling to make your Social Security check last through the month? Ralph addresses this critical concern, sharing seven powerful strategies to help you maximize your income and maintain a better quality of life. Th...

Choosing a credit union over a traditional bank can significantly impact your financial journey, especially when it aligns with your Christian values. Ralph Estep Jr. shares his extensive experience as a credit union executiv...

Are you feeling anxious about your financial future as you approach retirement in your 50s? Ralph addresses this concern head-on by sharing 19 powerful steps to help you regain control over your savings and ensure financial s...

Are you worried about having enough cash on hand during retirement? Ralph Estep Jr. tackles this crucial concern by sharing a powerful story about a client, Tom, who faced unexpected financial challenges shortly after retirin...

Are you anxious about whether you're saving enough for retirement? You're not alone, as many Christians share this concern, especially when faced with the reality of financial insecurity in their later years. This episode tac...

Are you feeling trapped in a cycle of credit card debt, especially when it comes to everyday expenses like groceries? Ralph Estep Jr. tackles this issue head-on, sharing five crucial considerations for using credit cards wise...

Creating a death binder is a crucial step in ensuring your loved ones are prepared to manage your affairs in the event of the unexpected. Ralph dives deep into the importance of organizing essential documents, accounts, and f...

Navigating retirement can be a complex journey, especially for married couples with significant age differences. This podcast dives into real stories of couples who have successfully managed different retirement timelines, hi...

Are you struggling to maintain your financial success while balancing your overall well-being? Today, Ralph dives into the top five key strategies that wealthy individuals use to not only grow their finances but also nurture ...

Worried about outliving your life insurance? You're not alone, as many people share the same concern about financial security for their loved ones after their policy expires. Ralph Estep Jr. addresses these worries head-on by...

Retirement can bring unexpected financial surprises, and understanding where your money is likely to go is crucial for enjoying your golden years. This episode uncovers the five most common areas where retirees tend to spend ...

Are you feeling anxious about your savings and the stock market? Today, Ralph Estep Jr. dives into the world of Certificates of Deposits (CDs) and explores how they can be a powerful tool for maximizing your savings while min...

Feeling worried about your retirement prospects? Wondering what habits might be preventing you from securing a comfortable retirement? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr., where he breaks down t...

Are you making dangerous mistakes with your credit card? In this episode of The Ask Ralph Podcast , host Ralph Estep Jr. uncovers the most common credit card blunders that lead to overwhelming debt. Ralph draws from personal ...

Struggling to manage finances with your partner? Unsure how to align your financial goals and tackle money-related conflicts? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr. and financial expert Karen Hackm...

Have you ever felt intimidated walking into a car dealership's finance office? Wondered if you're truly getting a fair deal or being taken for a ride? In this episode, we'll uncover the secrets of avoiding common pitfalls whe...

Debit cards may seem like a responsible financial choice, but they could be leaving you vulnerable to devastating fraud and financial losses. In this episode of The Ask Ralph Show, host Ralph Estep, Jr. explores the hidden ri...