Spending Episodes

Ever notice how happiness seems to come with a receipt these days? We chase the next big purchase, the next upgrade, the next latte, hoping it’ll spark that feel-good moment. It’s easy to believe joy is something we have to b...

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...

Have you ever looked at your bank statement and thought, Where did it all go? In this episode of Financially Confident Christian , Ralph invites us to go beyond habits and social pressure to explore how our spending decisions...

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...

It’s easy to assume that earning more will solve your financial stress—but what if the real problem isn’t income, but habits? In this episode of Financially Confident Christian , Ralph explores the subtle trap of lifestyle cr...

If you’ve taken the bold step of tracking your spending—whether for a day or a full week—this episode is your next move. Ralph walks you through what to actually do with those numbers that are now staring back at you. From co...

Ever feel that knot in your stomach when you swipe your card or check your bank balance? You’re not alone. In this episode of Financially Confident Christian , Ralph gets real about why tracking your spending doesn’t have to ...

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...

Feeling powerless when the utility bills roll in each month? You’re not alone. In this episode of Ask Ralph , Ralph shares a fresh, faith-filled approach to managing these unavoidable expenses. Rather than trying to overhaul ...

Are you struggling with the financial aftermath of holiday spending? Ralph Estep Jr. shares the inspiring story of Henry, who turned his $10,000 credit card debt into a debt-free success in just ten months. This episode delve...