Episodes

You’ve built a budget, you’re tracking your numbers, but some categories still leave you feeling out of control. In this episode, Ralph explores why setting personal spending rules might be the missing piece in your plan. Rat...

You’ve closed on your home, unpacked the boxes, and hung your first picture frame—but then the unexpected bills start arriving. Property taxes, insurance increases, dripping faucets, HVAC issues... suddenly, the financial pic...

You’ve budgeted for your down payment and feel ready to close the deal—until you hear about a list of surprise expenses you hadn’t planned for. In this episode, Ralph unpacks the details of one of the most overlooked parts of...

Applying for a mortgage can feel like stepping into a maze of paperwork, rates, and pressure. In this episode, Ralph breaks down what makes the mortgage process so intimidating—and how you can approach it with clarity and con...

You’ve figured out what you can afford in a home, but how do you turn that into a real plan? In this episode, Ralph shares the practical steps every Christian should take to save, build credit, and avoid stress before signing...

Is homeownership always the right next step—or just a cultural expectation? In this episode, Ralph walks through the spiritual and financial layers of one of life’s biggest decisions: whether to buy a home. From the weight of...

It’s easy to assume that earning more will solve your financial stress—but what if the real problem isn’t income, but habits? In this episode of Financially Confident Christian , Ralph explores the subtle trap of lifestyle cr...

If your paycheck changes from week to week—or even disappears for a stretch—you know how hard it can be to plan ahead with confidence. In this episode of Financially Confident Christian , Ralph addresses the real challenges o...

You’ve been making smart decisions—cutting expenses, tracking your spending, even building up your savings—but something still doesn’t feel right. If you’ve ever looked at your budget and thought, “Maybe I just don’t make eno...

If you’ve been carrying the weight of debt and avoiding your credit report like it’s bad news waiting to happen, you’re not alone—and you don’t have to stay stuck. In this special Sunday recap episode, Ralph walks through six...

Sometimes, all it takes is one number to throw off your financial confidence. If you’ve recently checked your credit score and felt stuck, disappointed, or unsure where to begin, you’re not alone. In this episode, Ralph share...

If you’ve ever looked at your credit report and felt overwhelmed by errors or discouraged by a low score, you’re not alone. In this episode of Financially Confident Christian , Ralph helps you move from frustration to clarity...

For many, a credit score is just a mysterious number—one that seems to hold power over major life decisions like renting a home, getting a car, or even turning on utilities. But what if, instead of avoiding it, you understood...

For many, credit feels like a trap waiting to snap shut—something to avoid completely out of fear of falling back into debt. But what if the problem isn’t credit itself, but how it’s used? In this episode of Financially Confi...

You’ve worked hard to pay down debt and build momentum, but now comes the part no one talks about enough— how to protect your progress. In this episode of Financially Confident Christian , Ralph unpacks why staying out of deb...

When you're stuck in a cycle of high-interest payments and financial stress, those balance transfer or consolidation offers can feel like a lifeline. But are they really the way out, or just another detour that keeps you stuc...

In this special live show episode of Financially Confident Christian , Ralph and co-host Craig respond to real listener questions about the emotional weight of money struggles. From the shame of past financial mistakes to the...

So, you’ve picked your debt payoff strategy—snowball or avalanche—and now you’re ready to hit the gas. But there’s one problem: your budget feels tapped out. In this episode of Financially Confident Christian , Ralph helps yo...

You’ve faced your debt, acknowledged the numbers, and taken a deep breath—but now what? In this episode of Financially Confident Christian , Ralph breaks down the two most popular debt payoff strategies: the debt snowball and...

In this deeply encouraging episode of Financially Confident Christian , Ralph shifts the focus from numbers to narratives—the ones debt tells us about who we are and what we're worth. If you’ve ever felt ashamed, stuck, or li...

You’ve started building your emergency fund—and that’s a huge step toward peace and preparedness. But what comes next? In this episode of Financially Confident Christian , Ralph invites you to look ahead and consider the goal...

When unexpected expenses hit, the stress can feel overwhelming—but what if you were prepared? In this episode, Ralph shares how building an emergency fund isn’t just about having money set aside—it’s about cultivating peace, ...

You’ve tracked your spending, faced the hard truths, and now you’re staring at the numbers asking, “So what do I do with this?” In this episode, Ralph walks through the powerful moment that comes after awareness—the point whe...

What happens when you’re committed to living below your means, but your spouse isn’t on the same page? In this episode of Financially Confident Christian , Ralph tackles one of the most emotionally loaded questions he’s recei...