Planning Episodes
How Can I Enjoy a Debt-Free Holiday Season This Year?
Alright, folks, we’re diving into how to rock a totally debt-free holiday season this year, and guess what? It's not too early to start planning! We’re talking about ditching that post-holiday financial hangover and kicking o...
How Can Setting Up Fall Routines Save My Time and Money?
School’s back in, and let me tell ya, chaos is knocking at the door! If you wanna save some time and cash as the fall craziness unfolds, you've hit the jackpot with today’s chat. We're diving into how to whip up some smart ro...
How Can I Afford My Kids’ Activities Without Going Broke?
Remember when a stick and some imagination were all we needed to have a good time? Fast forward to today, and kids’ interests come with schedules, equipment lists, and a surprising amount of logistics. Whether it's gymnastics...
How Can I Plan for Future Expenses and Avoid Financial Surprises?
Ever feel like you’re finally catching your financial breath—then boom, you see a future expense on the horizon, and it knocks the wind right out of you? In this episode of Ask Ralph , we’re talking about those big bills that...
How can I start the New Year on the best financial path?
Feeling overwhelmed by financial struggles is a common experience, especially as the new year begins. Ralph Estep Jr. addresses this very concern by sharing powerful strategies to help listeners start their financial journey ...