Episodes

If you’ve ever looked at your credit report and felt overwhelmed by errors or discouraged by a low score, you’re not alone. In this episode of Financially Confident Christian , Ralph helps you move from frustration to clarity...

For many, a credit score is just a mysterious number—one that seems to hold power over major life decisions like renting a home, getting a car, or even turning on utilities. But what if, instead of avoiding it, you understood...

For many, credit feels like a trap waiting to snap shut—something to avoid completely out of fear of falling back into debt. But what if the problem isn’t credit itself, but how it’s used? In this episode of Financially Confi...

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...

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...

In this special live show episode of Financially Confident Christian , Ralph and co-host Craig respond to real listener questions about the emotional weight of money struggles. From the shame of past financial mistakes to the...

So, you’ve picked your debt payoff strategy—snowball or avalanche—and now you’re ready to hit the gas. But there’s one problem: your budget feels tapped out. In this episode of Financially Confident Christian , Ralph helps yo...

You’ve faced your debt, acknowledged the numbers, and taken a deep breath—but now what? In this episode of Financially Confident Christian , Ralph breaks down the two most popular debt payoff strategies: the debt snowball and...

In this deeply encouraging episode of Financially Confident Christian , Ralph shifts the focus from numbers to narratives—the ones debt tells us about who we are and what we're worth. If you’ve ever felt ashamed, stuck, or li...

You’ve started building your emergency fund—and that’s a huge step toward peace and preparedness. But what comes next? In this episode of Financially Confident Christian , Ralph invites you to look ahead and consider the goal...

When unexpected expenses hit, the stress can feel overwhelming—but what if you were prepared? In this episode, Ralph shares how building an emergency fund isn’t just about having money set aside—it’s about cultivating peace, ...

You’ve tracked your spending, faced the hard truths, and now you’re staring at the numbers asking, “So what do I do with this?” In this episode, Ralph walks through the powerful moment that comes after awareness—the point whe...

What happens when you’re committed to living below your means, but your spouse isn’t on the same page? In this episode of Financially Confident Christian , Ralph tackles one of the most emotionally loaded questions he’s recei...

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 ...

If you’ve ever opened your bank app and felt that familiar pit in your stomach—uncertain, overwhelmed, and unsure where your money has gone—you’re not alone. In this episode of Financially Confident Christian , Ralph explores...

If you’ve ever stared at your bank account wondering where your paycheck disappeared to, this episode is for you. Ralph gets real about the confusion and fear that can come from trying to manage money without a clear view of ...

Does the thought of logging into your bank account make your stomach drop? You’re not alone. In this episode of Ask Ralph , Ralph speaks directly to those who feel overwhelmed by their finances, afraid to even look at the num...

In this opening episode of a brand-new series, Ralph tackles a topic that weighs heavy on so many hearts: financial anxiety and the silent battles we fight behind closed doors. Whether you're lying awake at night worrying abo...

Joined again by his good friend Craig, Ralph dives into practical money-saving strategies that go beyond surface-level tips. From rethinking the urge to always buy new, to confronting debt, to starting your first emergency fu...

In this final installment of the Joy of Living Below Your Means series, Ralph brings an encouraging word to those who may be feeling worn out, discouraged, or tempted to give up after slipping on their financial goals. He rem...

Most of us know we should budget, save, or spend with intention—but what if the real battle isn’t in our bank account, but in our hearts? In this powerful episode of Ask Ralph , we move beyond surface-level financial advice a...

Have you ever felt like your faith is strong… but your finances are a mess? You're not alone—and you're exactly who this podcast is for. I’m Ralph Estep Jr., a licensed accountant, business coach, and fellow believer. For ove...

In this episode of Ask Ralph , we explore the powerful connection between faith and finances—and why it’s about so much more than numbers on a spreadsheet. Ralph challenges the idea of simply applying Christian labels to secu...