Episodes
What do I do if I find myself house rich and cash strapped as an olde…
Feeling financially trapped in a home you love but can't afford to maintain is a common struggle for many older Americans. This podcast tackles the critical issue of being house rich but cash poor, exploring the emotional and...
Why is a wealth tax such a terrible idea?
Are you concerned about the potential impact of a wealth tax on your savings and financial future? Ralph dives deep into the complexities of this contentious issue, explaining how a wealth tax could adversely affect not just ...
What are the 9 riskiest places to give your social security number?
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...
How can I use my retirement account as an emergency ATM?
Are you feeling the financial squeeze and considering tapping into your retirement account to cover unexpected expenses? Ralph dives into the complexities of using retirement funds as an emergency ATM, exploring the potential...
What are the top 5 things people do to stay wealthy?
Are you struggling to maintain your financial success while balancing your overall well-being? Today, Ralph dives into the top five key strategies that wealthy individuals use to not only grow their finances but also nurture ...
What are some ways I can develop spiritual grit?
Are you feeling spiritually drained, especially when faced with life's challenges? This podcast dives into the concept of developing spiritual grit, a crucial element that can transform not only your spiritual journey but als...
What do I do if the bank closed my account?
What should you do if your bank unexpectedly closes your account? This episode dives into the financial nightmare many face when locked out of their own money, leaving them unable to pay bills and access funds. Ralph addresse...
What are the top 9 reasons why small businesses fail?
Are you a small business owner feeling overwhelmed by the challenges that come with running your own venture? You're not alone—many entrepreneurs face struggles that can lead to failure. This podcast dives into the top nine r...
Is it true that I can lose my passport if I don’t pay my taxes?
Are you worried about losing your passport due to unpaid taxes? This episode dives into the serious concern many face when financial obligations clash with their travel dreams. Host Ralph Estep Jr. addresses a listener's ques...
How can I buy a house with no income?
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. ...
What is meant by surveillance pricing and does it cost us more?
Surveillance pricing is a creeping reality in today's digital economy, impacting how much you pay for everyday products. As Ralph explores the unsettling practice of dynamic, personalized pricing, he reveals how companies use...
What happens if I outlive my life insurance?
Worried about outliving your life insurance? You're not alone, as many people share the same concern about financial security for their loved ones after their policy expires. Ralph Estep Jr. addresses these worries head-on by...
How can I use faith to rebuild my daily motivation?
Are you feeling stuck in your financial journey and struggling to find motivation? Ralph shares his personal story of how faith can reignite that spark and drive you toward achieving your goals. He addresses a heartfelt liste...
BONUS EPISODE - ASK RALPH SHOW LIVE FROM OCTOBER 15, 2024
Join Ralph in this engaging episode of the Ask Ralph podcast, where he tackles the critical question of how long to keep personal and business records, revealing that the IRS recommends retaining them for seven years. As he s...
What are the 7 insurance options to consider to protect your retireme…
Are you worried about unexpected medical bills that Medicare might not cover? Ralph Estep Jr. dives into the world of Medicare supplemental insurance, explaining how these policies can protect your hard-earned savings from po...
How much money do I need to have saved to cover health care costs in …
Are you worried about the staggering healthcare costs in retirement? Ralph dives into the critical question of how much money you really need to save for medical expenses as you age, highlighting that the average couple retir...
What is the rule of 55 and how can I use it to reduce my taxes?
Are you feeling trapped in your job and dreaming of an early retirement? The rule of 55 might just be your ticket to accessing your 401(k) funds without penalties before reaching 59 and a half. Ralph dives deep into this litt...
Should I purchase special medical insurance when I travel abroad?
Are you planning a trip abroad and wondering if travel medical insurance is really necessary? In this podcast, we explore the crucial importance of purchasing specialized medical insurance for international travel, especially...
What are some of the best online deals banks offer for opening a new …
Are you feeling undervalued by your current bank? This episode dives into the world of online banking, highlighting the incredible perks and bonuses that could significantly boost your financial situation. Ralph Estep Jr. sha...
What are the 5 most common places retirees spend their money in retir…
Retirement can bring unexpected financial surprises, and understanding where your money is likely to go is crucial for enjoying your golden years. This episode uncovers the five most common areas where retirees tend to spend ...
How do I effectively embrace God's gift of rest?
Are you feeling overwhelmed and struggling to find peace in your hectic life? Today, Ralph addresses the vital question of how to effectively embrace God's gift of rest. He shares personal insights and practical steps to help...
What are the differences between a revocable and irrevocable trust?
Are you worried about what will happen to your hard-earned assets after you're gone? Understanding the differences between a revocable and irrevocable trust is crucial for protecting your legacy and ensuring your wishes are f...
What are 9 signs that show that I am financially secure?
Are you truly financially secure, or do you lie awake at night wondering if your savings can handle unexpected expenses? In this episode, Ralph explores what financial security really means, emphasizing that it’s not just abo...
Why states with no income tax aren’t as affordable as they may seem?
Are you considering a move to a no-income-tax state, dreaming it will solve all your financial problems? This episode reveals why these states might not be the financial paradise you envision. Host Ralph Estep Jr. shares the ...