Episodes

Ever rush to the store for something, only to realize you already had something like it at home? In this episode of Ask Ralph , Ralph challenges the impulse to buy something new before checking what God has already provided. ...

Does your weekend bring more budget anxiety than joy? In this episode of Ask Ralph , Ralph offers a refreshing reminder: you don’t need to spend big to experience meaningful rest and connection. From outdoor adventures to cre...

Ever bought something on a whim—only to regret it later? You’re not alone. In this episode of Ask Ralph , Ralph breaks down the psychology behind impulse spending and introduces a faith-filled, practical tool to help you paus...

In this episode of Ask Ralph , we’re zeroing in on a sneaky budget buster: recurring charges for services you’re no longer using. From streaming platforms and fitness apps to forgotten free trials that quietly turned into mon...

Think a quick lunch out is no big deal? Think again. In this episode of Ask Ralph , Ralph breaks down how small, convenient choices—like buying lunch every day—can quietly erode your financial goals. He explores the hidden co...

Feeling overwhelmed by finances and not even sure where to start? In this episode of Ask Ralph , Ralph and Craig revisit foundational faith-based steps from the series, The Joy of Living Below Your Means. They begin by tackli...

Is your morning coffee costing you more than you realize? In this episode of Ask Ralph , we take a closer look at one of the most common daily spending habits—and why it matters for Christian stewardship. Ralph unpacks how sm...

Ever feel like every purchase somehow turns into a “need”? In this episode of Ask Ralph , we tackle one of the biggest challenges in personal finance: learning to distinguish between true necessities and discretionary spendin...

Ever feel like your money just isn’t lining up with your goals—or your faith? In this episode of Ask Ralph , Ralph speaks directly to those quiet, persistent feelings of being financially stuck. Whether it’s overspending, mis...

Tired of grocery trips blowing up your budget? You’re not alone. In this episode of Ask Ralph , Ralph breaks down why the grocery store is one of the most financially challenging environments for many families—and how a detai...

Ever found yourself staring into the fridge at 5 PM, stressed and unsure what to make for dinner—again? You’re not alone. In this episode of Ask Ralph , we dig into how that daily dinner panic often leads to overspending, was...

Struggling to stick to your budget—especially in certain spending categories? In this episode of Ask Ralph , we explore a practical and surprisingly powerful solution for those areas that always seem to go over: the envelope ...

Do you ever feel like your past financial mistakes define you? You’re not alone. In this episode of Ask Ralph , Ralph and co-guest Craig dive deep into the emotional and spiritual weight of financial shame—a burden that affec...

Does the word “budget” make you cringe a little? You’re not alone. In this episode of Ask Ralph , we tackle the emotional resistance many people feel toward budgeting—feelings of fear, shame, or overwhelm. Ralph explains why ...

Are you tracking your spending but still feeling overwhelmed? In this episode of Ask Ralph , we take the next step in building financial clarity. Ralph walks through how to analyze your tracked expenses—not just to collect da...

Ever feel like your money disappears the moment it hits your bank account? In this episode of Ask Ralph , Ralph addresses the pain point so many face: that frustrating mystery of vanishing dollars. Whether it’s impulse buys, ...

Is it possible that one small habit could completely shift your financial mindset? In this episode of Ask Ralph , we explore the often-overlooked, yet profoundly powerful impact of gratitude on our money. Gratitude might not ...

Do you ever feel like no matter how much you earn or save, it’s still not enough? In this episode of Ask Ralph , we explore how cultural pressures and constant comparison can fuel financial dissatisfaction—and why the Bible o...

Struggling to find clarity with your finances? In this episode of Ask Ralph , we’re addressing the emotional and spiritual weight of financial confusion—and why the first step forward isn’t a spreadsheet or budget, but prayer...

Are you tired of feeling chained by your finances? In this episode of Ask Ralph , Ralph and Craig dive deep into the habits, mindsets, and spiritual principles that keep so many of us stuck in a cycle of financial stress. Fro...

What if the path to financial peace doesn’t start with getting more, but with giving more? In today’s episode, we’re diving deep into a countercultural idea: that the breakthrough so many believers are praying for might actua...

Ever feel like you’re finally catching your financial breath—then boom, you see a future expense on the horizon, and it knocks the wind right out of you? In this episode of Ask Ralph , we’re talking about those big bills that...

Are credit cards helping you—or quietly hurting your financial peace? In this episode, Ralph Estep Jr. tackles a deeply personal and practical question many Christians wrestle with: how should we think about credit cards? Fro...

What if one unexpected bill could knock everything off track? In this episode of Ask Ralph , Ralph Estep Jr. answers a listener’s heartfelt question: “What can I do when I feel like I’m always one emergency away from disaster...