In this episode of the Ask Ralph Show, Ralph Estep Jr. addresses the growing threat of cyber attacks targeting small businesses and faith-based organizations. Through real-life stories, including Catherine, a small business owner, and Michael, a church member from Atlanta, Ralph highlights the emotional and financial toll of ransomware. He…
Joining a credit union means becoming more than a customer—you're an owner. Profits are reinvested to give you better rates, improved services, and lower fees. #CreditUnionBenefits #FinancialOwnership #SmarterBanking
A 20% down payment shouldn't stand in the way of owning your dream home. That's why we created the 5% down payment program—giving more people the opportunity to achieve homeownership. #HomeownershipMadePossible #InnovativeLending #BreakingBarriers
In this episode of the Ask Ralph Show, Ralph Estep Jr. explores the benefits of choosing credit unions over traditional banks. Credit unions stand out by putting people first, offering member-owned structures, local decision-making, and a focus on financial education. Unlike banks driven by shareholder profits, credit unions prioritize community…
At credit unions, it’s not just about numbers—it’s about people. From helping small business owners in tough seasons to empowering first-time homebuyers and supporting local churches, we prioritize relationships and character over spreadsheets. #PeopleFirst #CreditUnionDifference #RelationshipsMatter
Balancing faith and financial success is a challenge many Christians face. In this episode of the Ask Ralph Show, Ralph Estep Jr. responds to listener Mindy, who struggles with the tension between wealth and worship. Ralph shares his own story and practical steps for keeping Christ at the center of…
Your business isn’t just about income—it’s a testimony of God’s faithfulness. Trust Him, prioritize His kingdom, and watch how He provides abundantly. #FaithInBusiness #KingdomPriorities #GodProvides
Challenges are opportunities for growth when we trust God's timing. Remember, He works all things for the good of those who love Him. Stay encouraged and let every obstacle refine you. #TrustGodsTiming #FaithAndGrowth #OvercomingSetbacks
Biblical principles like integrity, stewardship, and service can guide your business to success without compromising your values. Your faith is part of who you are—let it shine through your work. #FaithInBusiness #ChristianEntrepreneur
In this episode of the Ask Ralph Show, Ralph Estep Jr. tackles the financial struggles many couples face, from overwhelming debt to clashing spending habits. Sharing stories like Mark and Lisa’s journey to turn financial conflicts into strengths, Ralph offers a 7-step blueprint for harmony. He also highlights critical year-end…
Struggling with financial battles at home? Try the three-account system: one joint account for household expenses and savings, plus individual accounts for personal spending freedom. It might just be the harmony your finances and relationship need. #MoneyManagement #RelationshipGoals #FinancialHarmony
Monthly financial check-ins can keep your goals on track. Review progress, celebrate victories, and tweak plans when needed—just like Mark and Lisa did. Financial success is a journey, not a one-time setup! #FinancialPlanning #CelebrateWins #MoneyGoals
Turn financial discussions into a bonding experience! Schedule weekly money date nights to talk finances in a relaxed, positive setting—no arguments, just teamwork. #MoneyDateNights #FinancialHarmony #Teamwork
Struggling with tax challenges as a small business owner? In this episode of the Ask Ralph Show, Ralph Estep Jr. shares nine tax-saving strategies that helped his client, Mark, save over $30,000 while retaining his employees. Ralph addresses Michael’s concerns about managing taxes and offers practical tips like reviewing business…
Start funding your retirement accounts now instead of waiting for year-end. And if you’re using a home office, document it properly—photos, measurements, and exclusive use for business are key! Smart planning today secures a better tomorrow. #RetirementPlanning #HomeOfficeDeduction #TaxTips #FinancialGoals #businessowners
Schedule a structure review this week for your business's future! Book a call with me or someone you trust to ensure your setup aligns with your goals and maximizes your potential. Don’t wait—let’s explore better ways to grow your business. #BusinessGrowth #EntrepreneurTips #BusinessStructure #ScheduleAReview #SmallBusinessSuccess
Plan for success by creating an equipment purchase timeline. Whether you need replacements or upgrades to stay ahead, map out your needs and see if you can fit them into this year’s budget. Strategic planning leads to better business results! #BusinessPlanning #EquipmentUpgrade #StayAhead #EntrepreneurTips #SmartInvestments
Struggling with taxes while trying to honor your faith? In this episode of the Ask Ralph Show, Ralph Estep Jr. shares how a small business owner turned a $12,000 tax burden into a $3,000 refund using 11 faith-based strategies. Ralph offers practical tips like maximizing retirement contributions, using tax-advantaged accounts,…
If you're eligible for an employer match in your 401(k), consider it free like a $100 bill waiting to be picked up. Don't miss out! Make sure you're contributing enough to get the match, and then work toward maxing out your contributions for tax savings today and a secure future.…
As a small business owner, it’s easy to overlook retirement contributions—especially at year’s end when cash is tight. But setting up automatic monthly payments to your SEP IRA or traditional IRA ensures you consistently save for your future. Don’t wait until it’s too late—make it automatic and build your retirement…
Whether it's through a Zoom call, phone meeting, or in person, make sure you meet with your broker at least quarterly to review your portfolio. Documenting your cost basis is crucial to avoid scrambling when tax time comes around—many brokers will keep track of this for you, but staying proactive…
Wealth without values isn't true prosperity. Choose a financial advisor who understands and respects your Christian principles, ensuring your financial growth aligns with your faith. #FaithAndFinance #ChristianValues #FinancialAdvisor #IntegrityMatters
Do you get anxious about your retirement savings? In this episode of the Ask Ralph Show, Ralph Estep Jr. tackles the fears many Christians face about their financial future. Through real-life stories, Ralph shares practical tips to avoid common mistakes like emotional investing, chasing trendy stocks, and ignoring diversification. He…
When choosing a financial advisor, look for someone who acts as a fiduciary—putting your interests above their own profits. It's about trust, not just transactions. Do your homework and make sure they're aligned with your goals. #FinancialAdvisor #Fiduciary #MoneyTips #TrustMatters