Wacky Wednesday Episodes

Are you leaving thousands of dollars on the table when selling your car? Today, Ralph shares a compelling story about a client named Bill, who transformed a $12,000 trade-in offer into an impressive $17,500 through a private ...

Looking poor could actually be your secret weapon for building real wealth. Ralph Estep Jr. shares two compelling stories that illustrate how living below your means can lead to financial abundance and the ability to serve ot...

Are you feeling overwhelmed by credit card debt? You’re not alone—many people are trapped by misconceptions about credit cards that can lead to costly mistakes. Ralph dives into seven dangerous credit card myths that could be...

Feeling uneasy when asked for your Social Security number is a valid concern, and today’s discussion highlights the nine riskiest places where you might be asked to provide it. From gym memberships to job applications and eve...

Are you dreaming of homeownership but feeling trapped by your financial situation? Ralph explores the reality that it is possible to buy a house without a steady income while also highlighting the critical pitfalls to avoid. ...

Navigating the tricky waters of lending money to friends and family can be fraught with emotional and financial risks. Ralph dives deep into this topic, emphasizing that it might often be wiser to consider such transactions a...

Ralph dives into the often-overlooked hidden costs of selling a home, a topic that can leave many homeowners unprepared and financially strained. He outlines nine unexpected expenses, from presale home inspections to capital ...

Ever wondered how to bring up pension income when dating later in life? In this episode of the Ask Ralph Show, "How Can I Discuss Pension Income During the Dating Process?", Ralph Estep Jr. provides practical tips on when and...

Worried about how your debts will be handled after you pass away? Unsure what this means for your estate and loved ones? Tune in to Episode 262 of the Ask Ralph Show with Ralph Estep Jr. as he explores the crucial topic of de...

Have you ever wondered what secrets banks are keeping from you? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr. as he talks about bank secrets that could cost you money. What are 10 things that banks don’t ...

How can I help my newborn start off on the right financial path? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr. as he talks about giving your child the gift of excellent credit. How do I get my infant on t...

Have you thought about whether to start collecting Social Security benefits early? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr. as he explains the advantages and disadvantages of starting Social Security...

Have you ever thought about whether there's a special trick to handling money in your personal life and as a business owner? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr. as he talks about cash flow manag...

Are you tired of feeling like your money is slipping right through your fingers? What if there are expenses you could drop right now and wouldn't even miss them? Tune in to this episode of the Ask Ralph Show with Ralph Estep ...

Are you struggling to rebuild your credit after a financial crisis? Feeling overwhelmed by debt and looking for guidance? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he discusses strategies for re...

Are you tired of feeling stuck in a financial rut, unable to improve your credit score no matter what you do? Discover the hidden power of great credit and how it can transform your financial life, opening doors and saving yo...

Do you ever find yourself torn between taking easy shortcuts and staying honest when filing taxes? Listen to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he shares tips on filing taxes truthfully and steering...

Are you frustrated by unexpected drops in your credit score? Do you feel like you're doing everything right, yet your score still takes a hit? Many people struggle with maintaining a good credit score, even when they think th...

Do you ever feel like you should have learned some key money management skills back in school? Are you frustrated by how quickly your paycheck seems to vanish, leaving little to nothing for savings? Many of us struggle with t...

Side gigs and side businesses have become increasingly popular ways to earn extra income. However, many entrepreneurs still need to know the complex web of local laws and regulations governing these operations. Tune in to thi...

Are you tired of living paycheck to paycheck and want more financial freedom but don't know how to get extra cash without falling into a debt trap? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he o...

Want to know how AI is changing the way lending works? Curious about the effects of algorithms assessing your creditworthiness? Join Ralph Estep Jr. in this episode of the Ask Ralph Podcast as he explores the intersection of ...

Did you ever consider the hidden truths behind common jobs? Join Ralph as he uncovers eye-opening facts about professions like bank tellers, flight attendants, and public defenders, revealing overlooked aspects of the workfor...

Are you tired of your grocery bills eating up your budget? Join Ralph Estep, Jr., as he shares 6 practical tips that can cut your costs by 20% and maximize your grocery budget! Don't miss out on our listeners' advice either! ...