In this episode of Ask Ralph, Ralph guides viewers through the essential process of uncovering their deeper motivations behind their financial goals. Understanding the 'why' behind these goals helps provide resilient and lasting motivation, especially during tough times. Ralph advises on how to identify and connect personal goals with core…
Vague hopes don’t move you forward. One specific goal can. Define it, aim at it, and make real progress. #AskRalphShow #SMARTGoals #FinancialFreedom
In this episode of Ask Ralph, Ralph emphasizes the importance of setting clear financial goals to maintain motivation and progress. Ralph introduces the concept of SMART goals, which stands for Specific, Measurable, Achievable, Relevant, and Time-bound. He breaks down each element and offers practical examples to guide viewers in defining…
You could be overpaying without even knowing it. Review your coverage, ask about discounts, and compare rates today. #SmartMoneyMoves #AskRalphShow #InsuranceTips
In today's episode of Ask Ralph, Ralph discusses the importance of periodically reviewing and comparing insurance policies to avoid overspending. He offers practical steps to help you identify potential savings on car, home, or renter's insurance. Ralph emphasizes setting aside time to review your policies and seek competitive quotes. Additionally,…
Can You Really Borrow Your Way to Savings? Plus LIVE Debt & Emergency Fund Q&A! 🤔 This week on Ask Ralph, we explored unconventional ways to save, faced the debt monster, and started building crucial security. Now, join Ralph LIVE as the he answers YOUR burning questions on borrowing vs.…
Saving manually is hard. Automate it and let it happen in the background. It worked for Ralph—and it can work for you. #SmartMoneyMoves #AskRalphShow #FinancialFreedom
Join Ralph in this episode of 'Ask Ralph' as he explores how automating your savings can help you consistently set aside money without relying on willpower. Ralph breaks down the steps to set up automatic recurring transfers from your checking to savings account, emphasizing the importance of paying yourself first.…
Don’t let small surprises derail your debt progress. Save $500 fast for emergencies only. Cut costs, sell stuff, and protect your momentum. #AskRalphShow #EmergencyFund #DebtFreeJourney
Join Ralph in this exciting episode as he announces the upcoming rebranding of 'Ask Ralph' to 'Financially Confident Christian.' Ralph shares six powerful daily steps to transform your finances, explore their biblical foundations, and respond to listener questions. Special guest Craig provides additional insights and practical tips. Topics include the…
Don’t wait for the perfect moment. Start now with whatever you have. Even $20 toward your smallest debt can build momentum. #AskRalphShow #DebtFreeJourney #FinancialFreedom
Are you fired up about tackling your debt? Join Ralph in this episode of Your Daily Ask Ralph as he discusses the importance of building a small emergency fund to handle life's unexpected expenses. Learn how saving $500 to $1,000 can provide a crucial safety net, allowing you to maintain…
Want to stop the cycle of debt? Start by removing the temptation. Debit or cash only. Spend what you have—nothing more. #AskRalphShow #SmartMoneyMoves #DebtFreeJourney
Feeling overwhelmed by your debt list? Ralph breaks down how making a small extra payment, even as little as $20, can ignite your debt-free journey. Learn about the debt snowball method, the power of small victories, and how to combat feelings of discouragement. Plus, join in a prayer for perseverance…
Stop avoiding the numbers. Gather your statements, list your debts, and sort them by balance. Clarity brings power. #AskRalphShow #DebtFreeJourney #ChristianFinance
In today's episode of 'Ask Ralph,' Ralph guides viewers through the next crucial step in overcoming debt, ceasing the use of credit cards. Building on the previous day's task of listing out debts, Ralph emphasizes the importance of stopping new debt accumulation by temporarily or permanently switching to debit card…
Name brands spend big on ads, and you pay the price. Challenge assumptions, shop smarter, and steward well. #SmartMoneyMoves #AskRalphShow #SaveMoney
In today's episode of 'Ask Ralph,' we take the first courageous step towards financial freedom by getting a clear and honest view of our debts. Ralph guides us through creating a comprehensive list of all debts to illuminate the path to overcoming financial stress and shame. Through practical steps and…
That tool you’ll only use once? Don’t buy it, borrow it! Save money, build community, and practice stewardship by borrowing before buying. #ChristianFinance #MoneyTips #AskRalphShow
Are you ready to move beyond just "getting by" and truly embrace the joy and freedom of living below your means? In this special edition of Ask Ralph, Ralph and his good friend Craig are hitting pause on the daily grind to take a deeper dive! We're revisiting six small…
Join Ralph in this episode of Ask Ralph as he challenges you to take a closer look at your grocery shopping habits. Are you paying more for name brands when store brands offer the same quality? Learn how you can perform a simple, low-risk experiment by swapping a name brand…
That bigger truck or fancy feature might feel necessary, but is it really? Learn how to spot the difference and spend with purpose. #SmartMoneyMoves #AskRalphShow #NeedsVsWants
In this episode of 'Ask Ralph,' Ralph tackles the topic of living below your means by exploring the benefits of borrowing instead of buying. He emphasizes the importance of leveraging community resources to save money, reduce clutter, and build stronger relationships. Ralph provides practical steps for identifying needs, brainstorming borrowing…