Episodes

As a taxpayer, knowing the IRS audit time limits is essential to avoid any surprises. Familiarizing yourself with these time limits and diligently maintaining good record-keeping practices will protect you from unforeseen com...

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...

Have you ever wondered what an ETF is and if it's a safe investment for your portfolio? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he explains all about this common type of investment and explore...

When you're overwhelmed by debt, credit counseling services can seem like a lifeline. But how do you know if they're legitimate or just another scam? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he...

When balancing wealth and generosity, have you ever felt torn between enjoying financial success and staying true to your Christian values? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he discusses...

Are you a small business owner feeling stuck and unsure of how to increase the value of your business? Do you find yourself overwhelmed by the day-to-day tasks and unable to step back from operations? Tune in to this episode ...

When deciding on a car purchase, have you ever felt torn between making the financially optimal choice and the option that would give you the most peace of mind? Tune in to this episode of the Ask Ralph Podcast with Ralph Est...

Have you ever been tempted to cut corners on your taxes? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he discusses common tax evasion methods, how the IRS catches tax cheats, and the severe penalti...

Imagine you finally get your dream house. You got approved for a mortgage, signed all the papers, and now you have the keys in your hand. But wait, is owning a house really that easy? What about all those extra costs that mig...

Have you taken the time to verify that your bank accounts are fully covered by FDIC insurance? What steps would you need to take if your deposits exceeded the $250,000 insurance limit? Tune in to this episode of the Ask Ralph...

Have you ever been enticed by a credit card offer that seemed too good to be true? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he dives into the world of credit card perks, helping you separate th...

Does the thought of retirement fill you with excitement or dread? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he addresses common fears retirees face, such as outliving savings, healthcare costs, ...

Are you confused about what to do when your car lease ends? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he addresses the common dilemma faced by many: what do I do when my car lease ends, should y...

Do you have grown kids living at home and you're finding it challenging? Want to help them move out and become independent but not sure how to do it in a kind and supportive way? Tune in to this episode of the Ask Ralph Podca...

Are you confused about Required Minimum Distributions and how to manage them effectively in retirement? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he addresses common problems retirees face regar...

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 ...

Are your kids addicted to using their smartphones? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he discusses concerns that excessive smartphone use can negatively impact children's development and ...

Are you drowning in debt with no end in sight? Do collection calls have you constantly stressed? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he discusses the complex world of debt management and b...

Are you tired of feeling weighed down by the guilt of past financial mistakes? Fed up with the sleepless nights spent worrying about debt and how to get your finances back on track? Tune in to this episode of the Ask Ralph Po...

Picture yourself as an entrepreneur, juggling countless responsibilities and feeling overwhelmed by your business's demands, leaving little time for yourself and loved ones. Ever felt like you're trying to do it all, only to ...

Are you tired of feeling like you're just treading water with your finances, working hard but never making progress? Do you find yourself constantly reacting to unexpected expenses instead of being in the driver's seat? Tune ...

Are you tired of tax season stress and surprises? Do the words "IRS penalties" keep you up at night? Tune in to this Tax Talk Thursday episode with Ralph Estep Jr. as he reveals the most common penalty pitfalls taxpayers face...

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 influencer dreams too good to be true? What is the dark reality behind the so-called desirable career? Join Ralph Estep, Jr. as he peels back the curtain to reveal the influencer world's enticing promises and hidden chall...