Transparency is key! Ensure you understand your financial advisor's fees upfront, whether it's a percentage of assets, per transaction, or another structure. Avoid surprises by asking the right questions. #FinancialTransparency #KnowYourAdvisor #MoneyMatters #SmartInvesting
Concerned about identity theft? In this episode of the Ask Ralph Show, Ralph Estep Jr. explains how freezing your credit can protect you from fraud. Through stories like Michael’s experience with a recent data breach and Rebecca’s decision to freeze her credit, Ralph underscores the dangers of unauthorized credit activity.…
A credit freeze is like a security system for your financial house—not out of fear, but as wise stewardship of what God has entrusted you. Protect your credit and your peace of mind. #CreditFreeze #FinancialSecurity #WiseStewardship #ProtectWhatMatters #FaithAndFinances
Monitoring your credit report regularly is a smart step in financial stewardship. Use tools like AnnualCreditReport.com or set up accounts with credit bureaus to stay on top of changes. Protect your financial health! #CreditMonitoring #FinancialStewardship #CheckYourCredit #StayInformed
A credit freeze is like an emergency fund for your identity—protecting what God has entrusted you. It’s a proactive way to safeguard against unexpected challenges and secure your financial life. #IdentityProtection #CreditFreeze #FinancialWisdom #Stewardship #ProtectWhatMatters
On tonight’s show – We’ve got some great questions to answer and we’ll answer your questions as well. Are money fights destroying your marriage? Tonight - we're diving into a powerful story of transformation that changed everything for one couple on the brink. Plus, crucial year-end tax moves you need…
Worried about not saving enough for retirement in your 50s? In this episode of the Ask Ralph Show, Ralph Estep Jr. tackles Margaret’s question about catching up on retirement savings when time feels short. Ralph shares 19 practical tips, including tracking expenses, maximizing retirement contributions, diversifying investments, and creating emergency…
Social Security should only cover 30-35% of your retirement income—leaving you to fill in the rest. Create an account on the Social Security Administration website to see your projected benefits and plan accordingly. Don't rely solely on Social Security to maintain your lifestyle. #RetirementPlanning #SocialSecurity #RetirementIncome #InvestSmart #PlanAhead
Time's still on your side in your 50s! The power of compound interest means every dollar counts, especially if your employer offers a 401k match—that’s free money! If you haven't yet, now's the time to prioritize retirement contributions. #RetirementPlanning #CompoundInterest #401k #FreeMoney #MaximizeYourSavings
Pro tip: Use a spreadsheet to track debts, assets, and even that old coin collection! Knowing where you are now is the first step to figuring out your next move. #FinancialPlanning #KnowYourWorth #BudgetingBasics #TakeInventory
When you create a budget, make sure it prioritizes giving and eternal investments over temporary pleasures. It's not about sacrificing joy but aligning your finances with your values. As a capitalist, I believe in enjoying the fruits of your labor, but let’s first invest in what truly lasts. #KingdomFirst #FinancialFreedom…
Before chasing after what you don’t have, take a moment to thank God for the three things you already do. Shifting your focus to gratitude will help you realize how blessed you are. Start a gratitude journal today! #Gratitude #Blessed #MindsetShift
Is materialism weighing you down financially and spiritually? In this episode of the Ask Ralph Show, Ralph Estep Jr. tackles the question: Are your priorities tied too closely to worldly possessions? Ralph shares practical steps to shift your focus, like doing a heart check, practicing gratitude, using a 48-hour rule…
If something in your life doesn’t align with your eternal purposes, it might be time to let it go. For every new item you bring in, challenge yourself to remove two and donate them to someone in need. This simple act can transform not only your space but also your…
Financial hardship isn’t a moral failing—it’s a part of life’s journey. The Bible reminds us of faithful people like Ruth and the widow who faced challenges yet found strength. Release the shame and take steps forward with faith. #FaithAndFinances #NoShame #FinancialHealing #FaithfulJourney
Track your expenses for just one week—you’ll be surprised by what you learn! Start with small changes, like reducing one expense and saving $5 a week for an emergency fund. Small steps lead to big wins. #MoneyMindset #FinancialGoals #SmallStepsBigResults #EmergencyFund
Take a moment to review your subscriptions and bills. Could you share a service or cut out unused subscriptions? Every dollar saved counts! Also, consider reaching out to your church or local programs for support—they’re there to help. #SaveMoney #BudgetTips #FinancialStewardship #CutTheWaste
In this episode of The Ask Ralph Show, Ralph Estep Jr. answers real-life financial questions through a Christian lens. He helps single mom Sarah manage financial stress with biblical wisdom and actionable steps, offers wealth-building advice to Marcus, who struggles despite careful budgeting, and guides business owner Jennifer on balancing…
Social Security payments will rise by 2.5% in 2025, adding about $49 monthly for individuals and $75 for couples. With average checks at $1,976 (individual) and $3,089 (couple), it’s clear that planning beyond Social Security is essential for retirement. #RetirementPlanning #COLAIncrease #FinancialAwareness
Save $100 in a pre-tax retirement account, and it only costs you $70 thanks to tax savings. That’s like getting an instant 30% return! Secure your future while enjoying immediate benefits. #RetirementSavings #TaxBenefits #FinancialPlanning
Social Security isn’t a giant trust fund; today’s workers fund current beneficiaries. With longer lifespans and early collections, the system is under strain. It's time to rethink retirement planning for a secure future. #SocialSecurity #RetirementPlanning #FinancialReality
Are you worried about upcoming changes to Social Security? Wondering how the 2025 updates might affect your retirement plans? In this episode of The Ask Ralph Show, Ralph Estep Jr. breaks down the essential changes to Social Security in 2025, including updates to the Cost of Living Adjustment (COLA), Full…
Retirement is a time for relaxation, but have you accounted for hidden costs? In this episode of The Ask Ralph Show, Ralph Estep Jr. explores the 9 often-overlooked expenses that can strain your retirement budget. From healthcare to inflation, Ralph provides practical steps to plan and safeguard your savings. Tune…
Technology changes fast! Plan to upgrade your devices every 3-4 years and explore free tech training at your local library. Staying connected and updated doesn’t have to break the bank! #TechBudgeting #StayUpdated #LifelongLearning