💸 Unlock Financial Freedom with Ralph! 🔓 Are you feeling trapped by your finances? It's time to break free! In this empowering episode, Ralph tackles the burden of debt head-on and guides you towards financial freedom. 😣 Why does debt feel so heavy? How does it rob us of our…
How do you handle taxes after losing a loved one? In this heartfelt episode of the Ask Ralph Show, Ralph offers guidance to those facing this difficult task. He explains key steps, such as filing final tax returns and understanding estate and inheritance taxes, while sharing Gretchen’s story to illustrate…
Estate management is no DIY project! Professional advice, whether tax complexities, trust questions, or blended family dynamics, is essential. Consult a tax advisor or attorney to ensure everything is handled correctly. It's worth the investment to protect your assets. #EstatePlanning #FinancialAdvice #ProfessionalHelp #TrustsAndTaxes #FinancialSecurity
Notifying the right parties is crucial to protect their identity and finances after a loved one passes. Alert credit bureaus to prevent identity theft and contact the bank to update joint accounts. Don't forget to get multiple copies of the death certificate to make this process smoother. #EstatePlanning #IdentityProtection #FuneralPlanning…
Remember God's peace in tough times, which surpasses all understanding. Romans 8:28 reassures us that God works for the good of those who love Him. Trust in His plan, even when it's hard. #FaithInGod #PeaceInChrist #Romans828 #TrustHisPlan #SpiritualStrength
🌟 **Finding Peace with Your Finances: A Faith-Based Approach** 🌟 Are you feeling weighed down by financial stress or the belief that it’s too late to turn things around? You’re not alone. In this video, Ralph dives into the *heart* of financial struggles and offers a faith-based perspective on finding…
💸 Are you tired of watching your hard-earned money disappear like magic? 💸 🕒 Join us TODAY at 1 PM EST for an eye-opening live show where we dive deep into the financial questions that keep you up at night. 🕒 🏠 Discover the secrets to deducting home equity loan…
What should you do with your 401(k) during a job change? In this episode of the Ask Ralph Show, Ralph answers a listener’s question about navigating this important decision. He breaks down the options—leaving it with your old employer, rolling it into an IRA, transferring it to a new plan,…
A 401(k) loan might seem like a quick fix, but if you leave your job, you may have to repay it within 60 days—or face taxes and penalties. Before borrowing, consider the risks and have a backup plan! #401kLoan #RetirementPlanning #SmartMoneyMoves #FaithAndFinances #AskRalphShow #AskRalph
If you're under 59½, withdrawing from your retirement savings means taxes and penalties. But did you know how much it really reduces your future wealth? Is it worth the risk? #FinancialEducation #RetirementWealth #MoneyMoves #TaxPlanning #SmartInvesting
A Roth 401(k) lets you contribute after-tax dollars through your employer, meaning your money grows tax-free, and withdrawals in retirement are tax-free! Unlike a traditional 401(k), it won’t lower your taxable income now, but the long-term tax benefits can be worth it. #RetirementPlanning #Roth401k #FinancialFreedom #FaithAndFinances #AskRalphShow #AskRalph
**📢 Take Control of Your Finances and Find True Peace! 💰🙏** Are your finances running your life? It's time to take back control and find lasting peace in God's bigger plan for you. In this video, we’ll walk you through **practical steps** to break free from financial stress and align…
Phishing attacks are more common than you think. A simple click on a fake link can compromise your account in seconds. These scams come through texts, social media, and even QR codes. Stay alert, verify messages, and protect your information! #PhishingScam #CyberSecurity #StaySafeOnline #FraudPrevention
Two-factor authentication (2FA) adds an extra layer of security, making it harder for hackers to access your accounts—even if they have your password. Pro tip: Use a separate device for 2FA to keep your accounts even more secure. #CyberSecurity #TwoFactorAuthentication #StaySafeOnline #ProtectYourAccounts
Scammers trick people with fake bank texts every day! Learn how to spot and avoid phishing attacks through SMS, social media, and QR codes. Stay safe! #CyberSecurity #PhishingScam #OnlineSafety
Could losing your phone put your finances at risk? In this episode of the Ask Ralph Show, Ralph shares the story of a listener who lost their phone on vacation and faced serious security threats. He breaks down nine common risks, from phishing scams to stolen devices, and offers simple…
Are you feeling overwhelmed by your finances? You're not alone! In this video, Ralph shares encouragement and practical steps to help you take control of your financial future. 💰✨ Facing the truth about your income, spending, and debt is the first step toward financial freedom. As John 8:32 reminds us,…
If you sell real estate—whether it’s your primary home, vacation house, or investment property—you’ll receive a 1099-S. The settlement agent reports the sale to the IRS, so ensure it’s included in your tax return to avoid issues. #RealEstateTaxes #1099S #TaxReporting #StayCompliant
If your bank or credit union paid you at least $10 in interest during the year, they must send you a 1099-INT. This form reports your earned interest, and yes—it needs to be included in your tax return. Don’t overlook it! #TaxTips #1099INT #InterestIncome #StayCompliant
Your bank sends your 1099-INT to you and the IRS—so if you don’t report it, they’ll notice. Failing to include interest income can lead to penalties or audits. Make sure you report it correctly on your return to stay compliant. #TaxCompliance #1099INT #ReportYourIncome #TaxTips
Feeling overwhelmed by 1099 forms? In this episode of the Ask Ralph Show, Ralph answers a question from Gurney, a freelance graphic designer worried about handling multiple 1099s. Ralph explains the purpose of common forms like 1099-INT, 1099-DIV, and 1099-NEC, sharing a cautionary story about a client who faced a…
📈 Take Charge of Your Finances: Start Tracking Your Net Worth Today! 💰 Are you feeling overwhelmed by your finances? You're not alone—but it's never too late to take control! In this episode, Ralph explains how tracking your net worth can be a game-changer for your financial future. 👉 What…
Could financial struggles be God’s way of pointing you toward a side hustle? In this episode of the Ask Ralph Show, Ralph shares how a side hustle can align with your God-given purpose, improve your finances, and serve others. He offers biblical insights on work and faith while sharing personal…
You’re not in this alone—God has a plan for you. Too often, we try to take control, thinking we know better, but the Creator of the universe has already mapped out a path for us. Surrender, trust, and follow His lead. #TrustGod #FaithJourney #GodsPlan #SurrenderAndTrust
