Episodes
How can I protect myself from identity theft online?
Are you concerned about the safety of your personal information online? Do you want to learn how to protect your digital identity while honoring your faith? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr...
Should you get a home equity loan or a home equity line of credit?
When considering tapping into your home equity, have you ever felt unsure whether to opt for a home equity loan or a home equity line of credit (HELOC)? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as...
How do I manage poverty, wealth, and material needs with a heavenly m…
Are you struggling to balance your financial needs with your spiritual life? Are you wondering how to manage wealth or poverty while keeping your eyes on heaven? Tune in to this episode of the Ask Ralph Podcast with Ralph Est...
How do I get started walking for fitness – a great interview with Dav…
Do you feel like you're stuck in a fitness rut or struggling to find a cost-effective way to stay healthy? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he discusses the multifaceted benefits of wal...
What are the 401K beneficiary rules I need to know and make sure I am…
Understanding 401Ks and retirement accounts can be really confusing. Are you sure your savings will go to your loved ones? What steps do you need to take to make sure your family is taken care of? Tune in to this episode of t...
How do I reduce my taxes when I take money from my 401K or other reti…
Feeling stressed about the taxes on your 401K withdrawals and their effect on your retirement? Listen to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he shares tips to lower taxes on your retirement withdrawa...
How do I make sure I’m not filing a false tax return with the IRS?
Do you ever find yourself torn between taking easy shortcuts and staying honest when filing taxes? Listen to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he shares tips on filing taxes truthfully and steering...
What are some faith-based investing principles and tools I can use to…
Have you ever wondered if you can grow your investments while staying true to your Christian faith? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he discusses faith-based investing principles and to...
How do I repair my bad credit?
Is a bad credit score dragging you down and making it hard to reach your financial goals? Fixing bad credit might seem tough, but it doesn't have to be. Tune into Ralph Estep, Jr. on the Ask Ralph Podcast for clear steps to i...
What does biblical tithing actually mean and how do I develop a givin…
Have you ever wondered if you're giving enough to your church? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he discusses the biblical principles of tithing and how to develop a giving plan that ali...
What are the 8 types of homeowners insurance and which should I have …
Are you confused about which homeowners insurance is best for your home? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he explains the eight different types of homeowners insurance you need to know ...
Is it better to rent or buy a home? How do I decide what’s best for m…
Are you losing sleep over the age-old question: should you rent or buy a home? Imagine the pressure of everyone telling you homeownership is the key to financial security and the American Dream. But with soaring interest rate...
What is the Secure Act 2.0 and how does this affect my retirement?
Are you feeling overwhelmed by the complexities of retirement planning? Does mentioning new legislation like the SECURE Act 2.0 make your head spin? In a world where financial security seems increasingly elusive, many of us a...
My credit score has dropped below 700, what do I need to stop doing …
Are you frustrated by unexpected drops in your credit score? Do you feel like you're doing everything right, yet your score still takes a hit? Many people struggle with maintaining a good credit score, even when they think th...
What are the best online sources for online banking, bill payment and…
Does the idea of online banking make you uneasy? Are you worried that one wrong click could lead to financial disaster? Managing your money online can feel like navigating a minefield in today's digital age. With the constan...
How do I select the credit card which is best for me?
Are you confused by all the credit card offers you get? Do you want to use credit cards wisely without getting into debt? It can be hard to pick the right card when there are so many choices and rewards. If you're new to cred...
How do I stop battling comparison with others and find contentment in…
Are you tired of feeling inadequate when scrolling through social media? Do you constantly compare your financial situation to others, wondering why God hasn't blessed you similarly? Many of us struggle with the painful compa...
How do I evaluate my life insurance needs? How much life insurance do…
How do you evaluate your life insurance needs? Are you confused about the differences between term and whole-life policies? Life insurance is a crucial safety net for our future. It allows us to have peace of mind regarding t...
When it the right time to refinance my home?
Are your house payments making you feel stuck? Want to make your money work better for you? Refinancing might help, but it can be challenging. Tune in to this episode of the Ask Ralph Podcast with Ralph Estep, Jr., as he tack...
What are these FICA taxes taken out of my paycheck and what is the tr…
Do you get upset when you see a big chunk of your pay taken out? Are you confused about FICA taxes? Don't worry; you're not the only one. Many people, especially those new to working, wonder where their money goes and if they...
What are the 10 secret savings rules which they didn’t teach you in s…
Do you ever feel like you should have learned some key money management skills back in school? Are you frustrated by how quickly your paycheck seems to vanish, leaving little to nothing for savings? Many of us struggle with t...
What are some apps I can use to rebuild my credit?
Are you struggling with a low credit score that feels like an insurmountable obstacle? Have you ever felt overwhelmed by the power those three little numbers hold over your financial future? Tune in to this episode of the Ask...
What are the ten money habits which are hurting my relationships?
Are money issues straining your relationships? You're not alone. From financial infidelity to impulsive spending, these destructive patterns are silently eroding trust and intimacy in households across America. But what if th...
How can I make work and career decisions according to Gods will?
Are you struggling to navigate your career path while staying true to your faith? Are you torn between pursuing professional success and honoring God's will for your life? Many Christians grapple with these questions, trying ...