Episodes

In this episode, host Ralph Estep, Jr. discusses 10 myths about retirement and debunks them. He covers topics such as the misconception that retirement means no work, the reliance on Social Security for all expenses, the importance of saving for...

Finding purpose in God's kingdom and using one's gifts explores the intersection of faith and financial prosperity, emphasizing the importance of self-reflection, utilizing one's unique gifts, and serving others.

Discover the five tax blunders that can leave you broke. Learn about accurate record keeping, tax credits, planning ahead, seeking professional help, and seizing tax-saving opportunities for your business. Achieve financial stability and growth by avoiding these blunders and making informed decisions with your money.

In this episode of The Ask Ralph Podcast, host Ralph Estep Jr. delves into the decision of financing versus leasing when purchasing a vehicle. He explores the advantages and considerations of each option, helping listeners make an informed choice that aligns with their personal goals and financial situation.

In this episode of The Ask Ralph Show, host Ralph Estep Jr. explores the topic of beneficial ownership reporting, providing valuable insights into who truly owns and controls businesses. These regulations, implemented by FinCen to combat money...

Join Ralph Estep, Jr. on the Ask Ralph Show as he explores crazy tax mistakes and how to fix them.  From deducting pets as dependents to inflating charitable contributions, these stories highlight the importance of staying within tax laws....

In this episode of the 'Ask Ralph' podcast, host Ralph Estep Jr. discusses the importance of staying safe online in the digital age. He begins by asking listeners if they are confident that they are doing everything they can to protect their personal...

In this episode of Ask Ralph, the host, Ralph Estep Jr., discusses the topic of "Getting a Mortgage After Bankruptcy." He acknowledges that declaring bankruptcy can have a significant impact on one's finances, including a drop in credit score and its...

Join Ralph Estep, Jr., on today’s show where he explores the topic “Poor in Life, Rich in Spirit”: Practicing Spiritual Frugality. In our fast-paced and consumer-driven world, it's easy to get caught up in the pursuit of material wealth and possessions. However, there is a deeper spiritual dimension to the way we handle our finances and embrace a frugal lifestyle. Today, we'll explore the biblical perspective on personal frugality and discuss ways to achieve it in our daily lives.

In today's episode of Ask Ralph, "Avoiding the Mailbox is Full." Ralph Estep, Jr., discussed the crucial importance of never allowing your customer to hear the dreaded message, "The person you are calling has a voicemail box which is full."

Join Ralph Estep, Jr., as he discusses why building an emergency savings fund is crucial for financial security and peace of mind. Living paycheck to paycheck without savings leaves individuals vulnerable to unexpected events like job loss, medical...

Join Ralph Estep, Jr. as he discusses the important topic of reporting the sale of a primary residence. He provides information on the essential documents needed for accurate reporting, such as the closing statement, purchase and sales agreement, home...

In this episode of Ask Ralph, host Ralph Estep, Jr. explores the wackiest business news stories that have made headlines. These stories remind us that entrepreneurship is full of surprises and that truth can often be stranger than fiction. The first...

In this episode of Ask Ralph, host Ralph Estep, Jr. discusses the best accounting software for handling accounting tasks in small businesses and the benefits of partnering with a professional accounting firm. Ralph emphasizes that technology has revolutionized...

In this episode of Ask Ralph, host Ralph Estep Jr. addresses the common struggle of finding motivation as a small business owner and offers a solution: focusing on core competencies instead of chasing after the competition. Ralph emphasizes that...

In this episode of Ask Ralph, host Ralph Estep, Jr. explores the topic of navigating stormy financial times with faith and prayer. Ralph emphasizes that life can bring unexpected storms, especially when it comes to finances. Job loss, economic...

Join Ralph Estep Jr. on today's show as he engages in a conversation with Attorney Kevin Baird from the law firm of Baird, Mandalas, Brockstedt & Frederico. Ralph and Kevin have an insightful discussion about estate planning and the essential legal documents which we all need to have in place.

The innocent spouse rules with the Internal Revenue Service are provisions designed to protect taxpayers from the tax liabilities of their current or former spouse. In this episode of the Ask Ralph podcast, host Ralph Estep, Jr. explores this crucial...

Deferred interest loans have become increasingly popular, particularly in the retail sector, as they allow consumers to make purchases without incurring any interest charges for a specified period. While these loans offer flexibility and the...

Ralph Estep, Jr. welcomes listeners to another episode of the Ask Ralph podcast, where he delves into taxes and financial matters. In this episode, he focuses on preparing for tax season and provides valuable guidance on finding a professional...

In this episode of Ask Ralph, we explore the topic of raising your credit score by 200 points in less than five years. Host Ralph Estep Jr. breaks down the importance of credit scores and shares valuable insights on achieving this goal to improve your...

In the latest episode of the Ask Ralph show, host Ralph Estep, Jr. discusses financial New Year's resolutions for 2024. According to a study from WalletHub, almost half of all Americans plan to make finance-related resolutions in the coming year – a...

In this episode of the Ask Ralph show, host Ralph Estep, Jr. discusses the retirement anti-bucket list – 10 experiences retirees don't want to encounter. He starts by addressing the misconception that one must work until a specific age or accumulate...

Today, we're discussing how to save money on your next car purchase. Whether you're in the market for a new or used vehicle, these tips will help you get the best deal possible.   Please share our Podcast will all your friends and family!...