Small Wins Episodes

When you're stuck in a cycle of high-interest payments and financial stress, those balance transfer or consolidation offers can feel like a lifeline. But are they really the way out, or just another detour that keeps you stuc...

When was the last time you actually reviewed your insurance policies? In this episode of Ask Ralph , Ralph encourages listeners to stop letting automatic payments and brand loyalty lead to wasted money. From car insurance to ...

Feeling trapped in the paycheck-to-paycheck cycle? You’re not alone, and today we’re diving deep into why many of us feel this way and how we can break free from the chains of financial shame and anxiety. Ralph Estep Jr. and ...

Feeling stuck in your finances, even though you’re doing “everything right”? You’re not alone—and you’re probably doing better than you think. In this episode of Ask Ralph , we explore the underestimated power of small wins i...