In this episode of The Ask Ralph Show, Ralph addresses the often-overlooked non-financial aspects of retirement. He discusses five critical changes that retirees face beyond finances, such as loss of structured routine, identity shifts, and changes in social circles. Ralph offers practical strategies for handling these transitions with confidence and…
No savings? One unexpected expense could derail your finances. Learn why building an emergency fund is more important than paying off debt first! #moneytips #FinancialFreedom #AskRalphShow
In this episode of the Ask Ralph Show, financial evangelist Ralph explores managing finances with unpredictable income. He outlines seven practical tips to budget effectively, offering insights and real-life examples like Fiona's story. Ralph emphasizes the importance of faith, essential expenses, emergency funds, and community support. Listener Craig's predicament with…
Free tax software seems convenient, but a single mistake can cost you thousands. Avoid IRS penalties and back taxes—invest in expert guidance! #taxtips #FinancialWisdom #AskRalphShow
In this episode of the Ask Ralph Show, Ralph explores why free or cheap tax and accounting advice can often be a costly mistake. He discusses the pitfalls, such as the cost of mistakes, opportunity costs, time and effort, and emotional toll. Ralph also highlights the substantial long-term benefits of…
📺 Join us LIVE for an insightful episode of Ask Ralph! 📺 🔍 Are your adult children still living at home? Are you struggling to support them financially while also planning for your own future? You're not alone! 💭 Today, we dive into a listener's poignant question about the challenges…
Don’t let tax issues overwhelm you—know your rights and take action. The Taxpayer Advocate Service can help resolve IRS disputes and ensure fair treatment. Stay proactive and in control of your financial future. #smartmoneymoves #TaxHelp #AskRalphShow
How the Taxpayer Advocate Service Can Help You: A Christian Perspective In this episode of Ask Ralph, financial evangelist Ralph discusses how the Taxpayer Advocate Service (TAS) can be your lifeline when dealing with tax issues and the IRS. Ralph explains the role of TAS, how it can assist you,…
Financial struggles can feel overwhelming, but faith provides peace and guidance. Start with prayer—Philippians 4:6-7 reminds us not to be anxious but to present our worries to God. Trust that His peace will guard your heart and mind. #faithandfinances #FinancialWisdom #SmartMoneyMoves #AskRalphShow
Feeling crushed by money woes? You're definitely not alone! In today’s chat, we're diving deep into how to keep your faith strong even when your finances feel like they’re pulling a fast one on you. We’ve got some real talk on practical steps to navigate those tough times while leaning…
This episode discusses the misconception that true wealth comes from material possessions like big houses and fancy addresses. Instead, we highlight how real wealth is derived from fulfilling relationships and meaningful experiences
Join Ralph and special co-host Craig Van Slyke as they explore tough financial questions with a blend of practical tips and humor. Topics include managing debt from a Christian perspective, dealing with societal expectations about renting versus owning homes, and safeguarding elderly parents from fraud. Ralph and Craig offer heartfelt…
Plan ahead and avoid extra charges! Use your bank’s ATM locator to find in-network ATMs and withdraw cash before you need it. Don’t let avoidable fees eat into your hard-earned money! #SmartBanking #PlanAhead #FinancialWisdom
Without a budget, it's easy to overspend and lose track of where your money is going. A solid budget helps you save, give, and stay financially stable. Take control of your finances today! #BudgetWisely #FinancialFreedom #SpendWithPurpose
Are hidden banking habits draining your hard-earned money? In this episode of the Ask Ralph Show, Ralph answers a listener’s question about managing unexpected fees and overlooked expenses like overdraft charges and ATM fees. Using real-life examples, he offers simple, practical steps to avoid these pitfalls, such as tracking spending,…
Don’t wait until it’s too late—monitor your spending as it happens! Set up alerts, use budgeting apps, and always know what’s coming in and going out. Stay in control of your finances. #SmartMoneyMoves #TrackYourSpending #FinancialControl #FinancialWisdom
Are car dealerships using tactics to confuse you? In this episode of the Ask Ralph Show, Ralph answers a question from Michael about the four square method—a common sales strategy designed to pressure buyers. Ralph breaks it down and shares 10 practical tips to help you stay in control, like…
Walking into a dealership with a pre-approved loan puts you in control. It helps you avoid high-interest rates and gives you leverage in negotiations. Don’t let them manipulate the numbers—be prepared! #CarBuyingTips #PreApproval #SmartShopping
Car salespeople use the four-square method to shift your focus toward monthly payments. But is this really the best way to negotiate a deal? Know the strategy before stepping into the dealership! #CarBuyingTips #Negotiation #FourSquareMethod
Walking into a dealership without knowing a car’s fair market value disadvantages you. Do your homework, check prices online, and walk in with confidence! #CarBuyingTips #Negotiation #KnowYourWorth
Feeling weighed down by credit card debt? In this episode of the Ask Ralph Show, Ralph answers a heartfelt question from Cora, who’s overwhelmed by mounting balances. Ralph shares practical steps to take control, like paying off balances, tracking expenses, and avoiding impulse spending. He also explores the emotional traps…
Social media makes it easy to believe that more spending equals more happiness. But is it worth the financial stress? Don’t let highlight reels pressure you into debt. True success isn’t about keeping up—it’s about financial peace. #MindfulSpending #DebtFreeJourney #FinancialFreedom #AskRalphShow #AskRalph #FaithAndFinances
Swiping a credit card makes buying easy, but does it lead to impulsive decisions? Instant gratification feels good, but long-term financial consequences can add up. Let’s talk about breaking the cycle. #SmartSpending #CreditCardTips #FinancialWisdom #AskRalphShow #AskRalph #FaithAndFinances
When you swipe your card, it doesn’t feel like real money—until the bill arrives. This "painless payment" effect makes it easier to overspend without realizing it. Stay mindful and track your spending before it adds up! #SmartSpending #DebtFreeLiving #FinancialWisdom
