Episodes
Why should I wait until 70 to collect social security?
This episode tackles critical financial questions that many listeners are grappling with, including the timing of Social Security benefits and the nuances of tithing on tax refunds. Ralph Estep, Jr. shares a compelling case s...
What are ways to distribute wealth to my heirs to prevent tax issues?
Are you worried about how to pass your wealth to your children without losing a significant portion to taxes? Ralph Estep tackles this pressing concern in today's show, offering smart strategies for tax-efficient wealth distr...
How do I handle my taxes when I live in one state and work in another?
Feeling overwhelmed by the complexities of state taxes when living in one state and working in another? You’re not alone, and this episode dives deep into the nuances of navigating multi-state taxation. Ralph Estep addresses ...
What are the steps I can take to finally take control of my finances-…
What happens when an 8-year-old boy suddenly finds himself managing household finances? Ralph Estep Jr. shares his transformative journey from childhood responsibilities to becoming a financial evangelist, helping others brea...
What are 16 ways that tech can make life easier for older people?
Are you feeling the weight of caring for aging parents who are determined to maintain their independence? This episode tackles the pressing issue of how technology can empower seniors to stay safe, connected, and independent....
What do I do if I suspect my Mom has dementia and she’s still handlin…
Navigating the delicate balance of protecting a loved one's financial well-being while preserving their dignity is a heart-wrenching challenge, especially when signs of cognitive decline emerge. Ralph Estep Jr. shares a deepl...
How can I break the cycle of classic humanism and embrace true Christ…
Feeling a sense of emptiness despite outward success is a common struggle, and today's discussion dives deep into this very issue. Peter, a successful CEO, grapples with how to integrate Christian principles into his business...
What are treasury inflation protected securities (TIPS) and why shoul…
Are you concerned about inflation eroding your savings? This episode dives into treasury inflation-protected securities (TIPS), a powerful investment tool designed to help safeguard your money from the damaging effects of inf...
Your Daily Guide to Financial Freedom: Welcome to Ask Ralph
Welcome to Ask Ralph. Discover the transformative power of financial wisdom in the Ask Ralph Show trailer, where Ralph Estep Jr. combines biblical truth with practical advice to help you break free from the shackles of debt a...
If my social security number has already been compromised – how do I …
Have you ever received a notification that your Social Security number was found on the dark web? If so, you're not alone, and it's a terrifying experience that can leave you feeling vulnerable and helpless. Ralph Estep share...
What are 12 sources of non-taxable income?
Are you tired of watching your hard-earned money vanish into taxes? Discover how you can retain more of your income legally by exploring 12 sources of non-taxable income that the IRS can't touch. Ralph Estep Jr. dives into th...
How can I start the New Year on the best financial path?
Feeling overwhelmed by financial struggles is a common experience, especially as the new year begins. Ralph Estep Jr. addresses this very concern by sharing powerful strategies to help listeners start their financial journey ...
What are the top 7 reasons why I should not open a CD?
Are you considering a certificate of deposit (CD) for your savings? Before you lock away your cash, it's crucial to understand that putting your money in a CD might not be the best choice for your financial future. Ralph Este...
What are the 7 best things for retirees to spend their savings on?
Are you concerned about how to wisely spend your retirement savings while honoring God? Ralph Estep Jr. addresses this common dilemma by exploring the seven best ways Christian retirees can manage their finances for meaningfu...
How do I create an Estate plan with a Kingdom impact?
Creating an estate plan with a kingdom impact is a profound way to ensure your legacy continues to bless others long after you're gone. Ralph Estep Jr. dives deep into the importance of balancing financial stewardship for you...
What are the top upgrades you can make to your home which make it har…
Home improvements can sometimes backfire, making your house harder to sell rather than increasing its value. Ralph shares a cautionary tale about his client Harold, who invested over $75,000 in upgrades, only to face an unexp...
Why I probably shouldn’t consider a reverse mortgage?
Are you considering a reverse mortgage as a way to tap into your home's equity? Ralph Estep Jr. dives deep into the potential pitfalls of these loans, highlighting how they may not be the financial blessing they appear to be....
How do I prepare for handling my 2024 tax preparation?
Feeling overwhelmed about the upcoming tax season? You’re not alone, as many small business owners, like Noah from Oregon, share the same anxiety about preparing their taxes correctly. This podcast dives into practical strate...
What is the true meaning of Christmas from a Christian perspective?
Are you feeling overwhelmed by the commercialization of Christmas? Ralph addresses this concern head-on, emphasizing that the true meaning of Christmas is about celebrating God's greatest gift—Jesus Christ—rather than the mat...
How can I negotiate the best deal when buying a used car?
Are you feeling anxious about buying a used car? You're not alone, as many people dread stepping onto a car lot, fearing they might be taken advantage of. Today, Ralph Estep Jr. shares a transformative story about his client ...
What are 7 ways to make the most of my social security check?
Are you struggling to make your Social Security check last through the month? Ralph addresses this critical concern, sharing seven powerful strategies to help you maximize your income and maintain a better quality of life. Th...
How do I navigate inflation while maintaining generosity?
Are you feeling the pinch of inflation and struggling to maintain your generosity? You're not alone, as many are facing the difficult choice of cutting back on giving while trying to make ends meet. This episode addresses the...
How do I handle auto insurance if my kids are away at school?
Can a Christian parent cut corners on car insurance to make ends meet? This heart-wrenching dilemma faced by many families is explored as Ralph Estep Jr. dives into the complexities of financial decision-making from a faith-b...
Why should I designate a trust as a retirement account beneficiary?
Are you worried about what will happen to your retirement accounts if the unexpected occurs? Today, Ralph dives into the critical topic of naming a trust as a beneficiary for retirement accounts, a decision that can save your...