Wise Decisions Episodes
How Can I Avoid Getting Back Into Debt?
You’ve worked hard to pay down debt and build momentum, but now comes the part no one talks about enough— how to protect your progress. In this episode of Financially Confident Christian , Ralph unpacks why staying out of deb...
Are Unused Subscriptions Draining Your Budget?
In this episode of Ask Ralph , we’re zeroing in on a sneaky budget buster: recurring charges for services you’re no longer using. From streaming platforms and fitness apps to forgotten free trials that quietly turned into mon...
Need It or Want It?
Ever feel like every purchase somehow turns into a “need”? In this episode of Ask Ralph , we tackle one of the biggest challenges in personal finance: learning to distinguish between true necessities and discretionary spendin...
How Can You Budget When Paychecks Are Unpredictable?
Struggling to budget because your paycheck feels like a game of roulette? You’re not alone, and I’m here to help! Today, I’m diving into seven super practical tips to help you manage your finances, especially when the income ...
Is Your Credit Card Costing You More Than You Think?
Ever felt like your credit card is this sneaky little gremlin in your wallet, whispering sweet nothings while it drains your bank account? Today, we’re diving into the true cost of credit card debt and how it could be secretl...
Are You Following the World's Wisdom or God's Wisdom in Your Finances?
Ever feel like you’re stuck in a money rut, just spinning your wheels? Well, today we’re diving into the question of how to ditch the world’s wisdom about finances and embrace God’s guidance instead. If you’ve ever found your...
Which Retirement Expenses Should You Never Cut Corners On?
Worried about running out of cash in retirement? Don’t sweat it! Today, we’re diving into the retirement expenses you absolutely should never skimp on. Spoiler alert: we’re talking healthcare, housing, utilities, and nutritio...
I spent too much at Christmas - how do I pay down my credit card debt?
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...
How can I beat the dealership in the finance office?
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...