Episodes

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...

If you’ve taken the bold step of tracking your spending—whether for a day or a full week—this episode is your next move. Ralph walks you through what to actually do with those numbers that are now staring back at you. From co...

Ever feel that knot in your stomach when you swipe your card or check your bank balance? You’re not alone. In this episode of Financially Confident Christian , Ralph gets real about why tracking your spending doesn’t have to ...

If you’ve ever opened your bank app and felt that familiar pit in your stomach—uncertain, overwhelmed, and unsure where your money has gone—you’re not alone. In this episode of Financially Confident Christian , Ralph explores...

If you’ve ever stared at your bank account wondering where your paycheck disappeared to, this episode is for you. Ralph gets real about the confusion and fear that can come from trying to manage money without a clear view of ...

Does the thought of logging into your bank account make your stomach drop? You’re not alone. In this episode of Ask Ralph , Ralph speaks directly to those who feel overwhelmed by their finances, afraid to even look at the num...

In this opening episode of a brand-new series, Ralph tackles a topic that weighs heavy on so many hearts: financial anxiety and the silent battles we fight behind closed doors. Whether you're lying awake at night worrying abo...

Joined again by his good friend Craig, Ralph dives into practical money-saving strategies that go beyond surface-level tips. From rethinking the urge to always buy new, to confronting debt, to starting your first emergency fu...

In this final installment of the Joy of Living Below Your Means series, Ralph brings an encouraging word to those who may be feeling worn out, discouraged, or tempted to give up after slipping on their financial goals. He rem...

Most of us know we should budget, save, or spend with intention—but what if the real battle isn’t in our bank account, but in our hearts? In this powerful episode of Ask Ralph , we move beyond surface-level financial advice a...

Have you ever felt like your faith is strong… but your finances are a mess? You're not alone—and you're exactly who this podcast is for. I’m Ralph Estep Jr., a licensed accountant, business coach, and fellow believer. For ove...

In this episode of Ask Ralph , we explore the powerful connection between faith and finances—and why it’s about so much more than numbers on a spreadsheet. Ralph challenges the idea of simply applying Christian labels to secu...

Tired of feeling like you're doing all the right financial things but still not seeing results? In this episode of Ask Ralph , Ralph zeroes in on a key reason so many people lose momentum on their financial journey: a lack of...

When was the last time you actually reviewed your insurance policies? In this episode of Ask Ralph , Ralph encourages listeners to stop letting automatic payments and brand loyalty lead to wasted money. From car insurance to ...

Ever plan to save money—but somehow never follow through? You’re not alone. In this episode of Ask Ralph , Ralph unpacks why great intentions often fall apart when life gets busy, bills pile up, and willpower fades. But there...

Ever feel like you’re doing all the “right” financial things but still falling short? In this special live episode of Ask Ralph , Ralph and Craig unpack six powerful, everyday habits that faithful stewards can use to find mor...

You’re finally making progress on your debt—and then life happens. A flat tire. A broken appliance. A surprise medical bill. In this episode of Ask Ralph , Ralph shares a powerful and practical strategy to keep small emergenc...

Feeling overwhelmed by your debt total? You’re not alone. In this episode of Ask Ralph , Ralph shares the surprising power of small steps—specifically, how making a single $20 payment toward your smallest debt can break throu...

Debt isn’t just numbers—it’s emotional, spiritual, and heavy. In this episode of Ask Ralph , Ralph kicks off a new focus in the Joy of Living Below Your Means series by tackling the first, most courageous step toward financia...

Still using credit cards while trying to pay them off? You’re not alone—and you’re not broken. In this episode of Ask Ralph , Ralph gets honest about the cycle so many of us find ourselves in: making a payment on our debt, on...

Do you grab the same brand-name items every time you shop—without question? In this episode of Ask Ralph , Ralph breaks down the psychology behind brand loyalty and why it might be quietly sabotaging your budget. From pantry ...

When you need something, is your first instinct to buy it? In this episode of Ask Ralph , Ralph explores the heart of biblical stewardship through three practical options: borrowing, bartering, and buying. Whether it’s a powe...

Do your money habits reflect what matters most? In this episode of Ask Ralph , Ralph and Craig revisit key takeaways from recent episodes on budgeting, meal planning, impulse spending, and more, all rooted in the challenge to...

Feeling powerless when the utility bills roll in each month? You’re not alone. In this episode of Ask Ralph , Ralph shares a fresh, faith-filled approach to managing these unavoidable expenses. Rather than trying to overhaul ...