ASKRALPHPODCAST

In this episode of the Ask Ralph Podcast, host Ralph Estep Jr. talks about the principles of biblical tithing and offers practical advice on how to develop a giving plan that aligns with both your faith and financial goals. Ralph addresses common concerns about tithing, including how to give when finances are tight, the difference between Old Testament and New Testament teachings on tithing, and the importance of a generous heart. Tune in as Ralph provides insightful financial advice and biblical wisdom to help you navigate your giving journey. https://www.askralphpodcast.com/biblical-tithing-actually/ 00:00 Episode Overview 01:14 Listener Question 02:04 Bible Verse 02:43 Understanding Biblical Tithing 05:24 Practical Steps to Cultivate Generosity 06:39 Growing in Sacrificial Giving 07:53 Final Thoughts 10:12 Outro

Are you confident your home is fully protected? In this episode of the Ask Ralph Show, our host Ralph Estep Jr. demystifies the complex world of homeowners insurance. Responding to a listener's question, Ralph breaks down the eight essential types of coverage every homeowner should know. From dwelling protection to endorsements and riders, he offers practical tips and biblical wisdom on being good stewards of our homes. Whether you're a first-time buyer or long-time owner, this episode equips you with the knowledge to make informed decisions about your home insurance. Don't miss this crucial guide to safeguarding your biggest investment – your home. https://www.askralphpodcast.com/types-of-homeowners-insurance/ Timestamp: 00:00 Episode Overview 01:14 Listener's Question 02:26 Bible Verse 03:12 Demystifying the 8 Types of Home Insurance 03:24 Dwelling Coverage 04:11 Other Structures Coverage 04:46 Personal Property Coverage 05:31 Loss of Use Coverage 06:01 Personal Liability Coverage 06:38 Medical Payments Coverage 07:15 Additional Living Expenses (ALE) 07:46 Endorsements or Riders 08:40 Final Tips and Conclusion

Deciding whether to rent or buy a place is a major decision. It depends on various factors like your financial situation, long-term plans, and personal preferences. Both options have their pros and cons, making it important to weigh them carefully. Taking the time to consider your needs and goals can help you make the best choice for your future. In this Finance Friday edition of the Ask Ralph Show, host Ralph Estep Jr. discusses the pros and cons of renting versus buying a home, offering both financial advice and biblical wisdom to help listeners make an informed decision. He covers practical steps like budgeting and calculating debt-to-income ratios, while emphasizing the importance of seeking guidance from trusted advisors and prayer in this significant life choice. With soaring interest rates and skyrocketing costs, is the American Dream of homeownership still attainable - or even desirable? https://www.askralphpodcast.com/rent-or-buy/ 00:00 Episode Overview 01:07 Listener’s Question 02:05 Bible Verse 02:43 Buying vs. Renting 03:51 The Importance of Seeking Advice 04:37 Practical Steps for Decision-Making 06:59 Emotional Aspects of Homeownership 07:50 Economic Considerations 08:10 Final Thoughts 08:53 Outro

In this episode of the Ask Ralph Podcast, Ralph Estep Jr. takes a look at the Secure Act 2.0 and what it means for your retirement plans. He explains the main changes from this law, like the new age rules for Required Minimum Distributions (RMDs) and easier catch-up contributions for those close to retirement. Ralph also talks about the perks for small business owners and how it affects estate planning. Listen in as Ralph gives simple, practical advice and shares biblical wisdom to help you understand these big changes to your financial future. https://www.askralphpodcast.com/affect-my-retirement/ Timestamps: 00:00 Episode Overview 01:36 Listener Question 02:53 Bible Verse 02:45 Overview of the Secure Act 2.0 03:56 Later Required Minimum Distributions (RMDs) 04:56 Easier Catch-Up Contributions 05:30 Expanded Small Business Retirement Plan Options 06:10 Final Thoughts and Advice 07:12 Outro

In this episode of the Ask Ralph Podcast, host Ralph Estep Jr. addresses a common financial concern: how to boost your credit score quickly, especially if it has dropped below 700. Ralph answers a listener's question about unexpected drops in credit scores and provides practical, actionable advice on improving it. He covers crucial factors like credit utilization, payment history, and hard inquiries, and shares tips on becoming an authorized user on someone else's credit card, requesting credit limit increases, and disputing errors on your credit report. Tune in for Ralph's expert financial guidance and biblical wisdom to help you regain control of your credit score. https://www.askralphpodcast.com/credit-score-has-dropped/ 00:00 Episode Overview 00:52 Listener Question 01:34 Bible Verse 02:03 Understanding Credit Score Drops 05:25 Tips for Improving Credit Score 08:25 Recap and Closing Thoughts 09:31 Outro

Are you feeling overwhelmed by the digital financial landscape? Do you worry about falling victim to online scams or losing your hard-earned money with one wrong click? In this episode of the Ask Ralph Podcast, host Ralph Estep Jr. tackles the challenges of online banking. He addresses common fears and frustrations, offering practical advice to help you navigate the digital financial landscape confidently. Join us as he talks about the top 5 online security measures, recommends trustworthy banking apps, and shares insider tips on protecting yourself from scams. Tune in to learn how to turn the internet from a financial wilderness into your money management oasis. https://www.askralphpodcast.com/best-online-sources/ 00:00 Episode Overview 01:08 Listener’s Question 02:02 Bible Verse 02:24 Choose Reputable Institutions 03:17 Create Strong And Unique Passwords 04:00 Be Wary Of Phishing Scams 04:48 Keep Your Software Up To Date 05:20 Monitor Your Accounts Regularly 06:03 Online Banking Relationship Checklist 08:44 Great Apps For Managing Your Online Banking 09:31 Final Thoughts 10:13 Outro

Are you feeling overwhelmed by credit card offers flooding your mailbox? Do you want to make the most of credit cards without debt? With countless options and tempting rewards, choosing the right card can seem daunting. If you're new to credit cards, you might wonder how to pick the best one for your needs and use it wisely. In this episode of the Ask Ralph Podcast, host Ralph Estep Jr. discussed how to build good credit responsibly, choose the right card for your situation, and navigate the enticing world of rewards without overspending. Tune in to learn how to turn this powerful financial tool into an asset rather than a liability. https://www.askralphpodcast.com/ 00:00 Episode Overview 01:37 Listener’s Question 02:34 Bible Verse 03:06 Why Do You Need A Credit Card? 03:27 Credit Card For Beginners 04:11 Truth On Credit Card Rewards 04:37 Tips For Using Credit Cards Wisely 05:41 Final Thoughts 06:02 Outro

How Do I Stop Comparing Myself to Others and Find Contentment in Christ? | Ask Ralph Podcast In this episode, Ralph Estep Jr. explores the pervasive issue of comparison and how it affects our sense of contentment, especially in our financial lives. Ralph shares practical advice and biblical wisdom to help listeners break free from the comparison trap and find true contentment in Christ. He addresses the challenges of social media, the constant comparison with others, and how to shift focus to gratitude and faith. Join Ralph as he delves into personal stories, listener questions, and actionable steps to embrace a life of peace and fulfillment. https://www.askralphpodcast.com/find-contentment-in-Christ/ 00:00 Episode Overview 01:44 Listener Question from Charlotte 02:44 Bible Verse 03:36 Biblical Perspective on Contentment 05:35 Practical Steps to Overcome Comparison 07:26 Prayer and Closing Thoughts 08:47 Outro

In this episode of the Ask Ralph Podcast, host Ralph Estep Jr. talks about life insurance. He explains how to determine the right amount of life insurance, the differences between term and whole life policies, and which option may be best for your family's needs. Ralph also talks about the costs and gives steps to get the right policy. Tune in as Ralph offers practical financial advice and biblical wisdom to help you make an informed decision on this crucial aspect of financial planning. https://www.askralphpodcast.com/ 00:00 Episode Overview 01:23 Bible Verse 02:06 Listener Question 05:59 How Much Life Insurance Do You Need? 07:04 Term vs. Whole Life Insurance 07:55 Choosing the Right Policy 09:21 Final Thoughts 09:59 Outro

Are you feeling trapped by your mortgage payments? Is there a way to make your hard-earned money work smarter for you? Many homeowners feel overwhelmed by the prospect of refinancing, even when interest rates drop. But what if refinancing could be the key to unlocking your financial freedom? Join Ralph Estep Jr. on his Ask Ralph podcast as he tackles the complex world of mortgage refinancing. Ralph breaks down the different types of refinancing, explains when it makes sense to consider this option, and offers practical advice on approaching the process. He shares a success story of clients who saved thousands by refinancing but also warns of the risks involved in cash-out refinancing. Tune in to discover how refinancing could lower your payments, help you pay off your home faster, or provide funds for major expenses. https://www.askralphpodcast.com/ 00:00 Episode Overview 00:30 Message From The Listener 01:28 Bible Verse 02:06 What Is Refinancing? 02:48 Lower Interest Rates 03:27 Refinancing In A Short Term Loan 04:26 Cash-Out Refinancing 5:10 Two Types Of Refinancing 5:59 What Is The Cost Of Refinancing? 06:48 How Much Will You Save Each Month? 07:16 Understand The Qualifications 08:03 Connecting Refinancing To Our Faith 09:07 Episode Recap 09:39 Final Thoughts And Outro

Confused about the FICA deductions on your paycheck? Wondering about the fate of that portion of your earnings? Whether you're new to the workforce or approaching retirement, grasping FICA's role is essential for your financial health. Join Ralph Estep Jr. on his Ask Ralph podcast as he tackles the often perplexing world of FICA taxes. This episode addresses common concerns workers have about these mandatory contributions. You'll learn what FICA taxes really are, their purpose, and how Social Security and Medicare impact your finances throughout your life. Ralph also examines the long-term sustainability of these programs. By listening, you'll gain clarity on your paycheck deductions and valuable knowledge to help you plan for your financial future more effectively. https://www.askralphpodcast.com/ 00:00 Episode Overview 00:47 Billy’s Question 02:48 Bible Verse 03:21 What is Social Security? 04:44 Problems with Social Security 05:18 What is Medicare? 06:09 Medicare Financial Challenges 06:40 Episode Recap 07:31 Final Thoughts And Outro

In this episode of the Ask Ralph Podcast, host Ralph Estep Jr. shares 10 money-saving tips you didn't learn in school. He talks about practical and unique ways to save more money. From saving spare change to asking for better rates on your bills, Ralph gives different strategies to increase your savings without big lifestyle changes. He also connects these tips to biblical wisdom, highlighting the importance of being careful with your resources. Listen in to learn these savings tips and start improving your financial future. https://www.askralphpodcast.com/secret-saving-rules 00:00 Episode Overview 01:34 Bible Verse 02:25 The Spare Change Jar 03:09 The $5 Bill Savings Challenge 03:57 Negotiate Better Rates 04:36 Cut Back on Toilet Paper 05:07 Cash Back Apps and Sites 05:42 DIY vs Hiring Out 06:22 Scale Down Memberships and Subscriptions 07:06 Taking Coupons to Extremes 07:47 Hide Savings in Other Accounts 08:40 Work Side Gigs 09:30 Final Thoughts 10:54 Outro

Are you struggling with a low credit score that feels like an insurmountable obstacle? Have you ever felt overwhelmed by the power those three little numbers hold over your financial future? In this Technology Tuesday edition of the Ask Ralph Show, host Ralph Estep Jr. discusses credit repair apps and strategies for rebuilding credit. He addresses a listener's concern about credit damage due to job loss and reliance on credit cards. Ralph emphasizes that while technology can help, it's just a tool and not a magic solution. https://www.askralphpodcast.com/rebuild-my-credit/ 00:00 Episode Overview 00:29 Welcome to Technology Tuesday 00:53 Listener Story 01:29 Bible Verse 02:05 Apps for Credit Repair 03:58 Which App Should I Use? 07:15 Ralph’s Tips 08:33 Final Thoughts 09:37 Outro

Are money problems putting strain on your closest relationships? Do arguments over finances leave you feeling stressed and disconnected from loved ones? Money is a common source of conflict for many couples. However, there’s a way to overcome this challenge completely and have a strong and enjoyable relationship with your partner. Listen to this episode of the Ask Ralph podcast, where host Ralph Estep Jr. shares lessons from his mistakes to help you avoid repeating harmful habits. Discover the top money moves wrecking relationships and exactly what to do instead. Find out how better communication, budgeting as a team, and showing gratitude can lift burdens and bring you closer together. https://www.askralphpodcast.com/ 00:00 Episode Overview 00:28 Welcome Back to Motivational Monday 02:04 Bible Verse 02:42 10 Money Habits That Could Be Sabotaging Your Relationships 07:42 Build A Stronger Relationships 09:43 Heal From Your Past Financial Mistakes 10:55 Episode Recap 05:51 How to avoid scams? 07:39 Episode Recap 08:12 Outro

Have you ever struggled with making career decisions that align with your faith? In this episode of the Ask Ralph Podcast, host Ralph Estep Jr. talks about how to make work choices that follow God's will. Ralph shares his personal experiences and gives biblical wisdom to help listeners with their career paths. He discusses practical steps for discerning God's will, staying spiritually strong in any job, and integrating faith with work. Ralph emphasizes the importance of motivation, seeking wise counsel, and maintaining a balance between career and spiritual life. Tune in for actionable advice and spiritual guidance to make informed career decisions. https://www.askralphpodcast.com/according-to-gods-will/ 00:00 Episode Overview 02:09 Bible Verse 02:33 Evaluating Job Opportunities 03:11 Reflecting on Motivations 03:27 Seeking Wise Counsel 03:53 Staying Spiritually Grounded 05:02 Final Thoughts and Prayer 06:20 Outro

In this episode of the Ask Ralph Podcast, host Ralph Estep Jr. discusses the sensitive and common issue of paying off debt in collections and improving credit from a Christian perspective. He explains the financial and emotional challenges of dealing with debt collectors, such as sending cease and desist letters, creating a realistic budget, and negotiating repayment terms. Ralph explores whether it’s wise to settle debts for lump sums or focus on consistent monthly payments. He emphasizes the importance of handling debt with integrity, compassion, and wisdom, providing practical financial advice and biblical wisdom to help listeners achieve financial freedom and peace of mind. https://www.askralphpodcast.com/payoff-debt-in-collections/ 00:00 Episode Overview 01:22 Previous Topic 01:56 Facing Debt in Collections 02:32 Cease and Desist Letters 03:23 Budgeting and Payment Plans 05:39 Negotiating with Debt Collectors 06:27 Rebuilding Credit 07:45 Bible Verse 08:24 Final Thoughts 09:09 Outro

Are you worried about the stability of your retirement savings? With stock market volatility and rising inflation, many are turning to alternative investments like precious metal IRAs. But are they really the golden ticket to a secure financial future? Listen to this episode of the Ask Ralph podcast, where host Ralph Estep Jr. dives into the world of precious metal IRAs, addressing the allure and potential pitfalls of investing your retirement funds in gold, silver, and other precious metals. Ralph breaks down the pros and cons of precious metal IRAs, offering insights on portfolio diversification, inflation hedging, and the risks of putting too much faith in these tangible assets. He also provides practical advice on how to set up a precious metal IRA and warns listeners about red flags to watch out for when dealing with custodians and dealers. https://www.askralphpodcast.com/ 00:00 Episode Overview 00:48 Recap And Show Announcements 01:18 Bible Verse 02:13 What in the world is a precious metal IRA? 03:08 Pros of Precious Metal IRA 03:49 Cons of Precious Metal IRA 04:49 How do you actually invest in Precious Metal IRA? 05:51 How to avoid scams? 07:39 Episode Recap 08:12 Outro

Ever work in one state but live in another? This can create a tax nightmare if you do not handle it correctly. Listen in to this episode of the Ask Ralph podcast, where host Ralph Estep Jr. tackles double taxation problems with remote workers living and working across different states. Ralph Torres -Tips on How to Find and Obtain Payment Protection Tax Cuts for Your Business Ralph offers advice about receiving tax credits, understanding the specific state laws, and reducing your taxable income. Ralph: it is always important to seek advice from a professional, keep track of the time spent in each state, and file correctly as a non-resident. https://www.askralphpodcast.com/ 00:00 Episode Overview 00:21 Recap And Show Announcements 02:06 Bible Verse 02:37 Why will you owe state income taxes where you worked? 03:42 Why will you also owe state income taxes where you lived? 04:14 How may you claim a tax credit? 05:02 How can you determine your state residency status? 05:36 Why should you adjust withholdings or make estimated tax payments? 06:24 How can you file nonresident returns properly? 08:07 Why should you track time spent in each state? 08:59 Why should you pay close attention to retirement contributions? 08:46 Why should you consider the impacts on property and investments? 09:17 Why is it important to maintain good records? 1049 Outro

Many well-intentioned entrepreneurs may unknowingly break the law with their seemingly innocent gigs. From ride-sharing to home rentals, even the most common side hustles can run afoul of local regulations, resulting in hefty fines or worse. In this episode of the Ask Ralph podcast, host Ralph Estep Jr. delves into the surprising ways your side gig might be crossing legal lines. He explores how ride-sharing, short-term rentals, house flipping, and childcare services can violate local ordinances, zoning laws, and licensing requirements. This episode provides crucial insights and practical tips for navigating the complex legal landscape of the side hustles, urging entrepreneurs to do their due diligence before launching into any side business venture. https://www.askralphpodcast.com/ 00:00 Episode Overview 00:24 Recap And Show Announcements 01:50 Bible Verse 02:59 Is Your Side Hustle Illegal? 03:52 Illegal Side Hustle 1: Ride-Sharing Services 04:40 Illegal Side Hustle 2: Be Careful Listing Your Home For Short-Term Rental Sites 05:20 Other Quick Pitfalls To Avoid. 05:53 Researched The Local Regulations Carefully 06:24 What Steps Can You Take To Ensure Your Side Hustle Stays Aboveboard? 08:07 Episode Recap 08:59 Outro

In this episode of the Ask Ralph Podcast, host Ralph Estep Jr. discusses the pros, cons, and alternatives to no credit check loans. He explains the financial and emotional challenges that come with these types of loans, addressing whether they are smart financial moves or debt traps. Ralph dives into the benefits and risks of no credit check loans and payday loans, considering scenarios when they might be useful and when they can cause more harm than good. He also explores safer alternatives for getting quick cash and provides practical financial advice and biblical wisdom to help listeners make informed decisions. https://www.askralphpodcast.com/ 00:00 Episode Overview 01:28 Bible Verse 02:22 What are No Credit Check Loans? 03:40 When are No Credit Check Loans Helpful? 05:05 When are No Credit Check Loans Harmful? 06:23 Pros of No Credit Check Loans 07:19 Cons of No Credit Check Loans 08:41 Alternatives to High-Interest Online Loans 10:13 Tips for Avoiding Debt Traps 11:40 Final Thoughts 12:09 Outro

In this episode of the Ask Ralph Podcast, host Ralph Estep Jr. discusses the ins and outs of home warranties. He explains what home warranties cover and do not cover, their benefits and drawbacks, and the cost associated with them. Ralph also provides practical advice on when to consider purchasing a home warranty and tips for choosing a reliable provider. Tune in to learn more about how home warranties can offer peace of mind and whether they are the right choice for you. https://www.askralphpodcast.com/what-is-a-home-warranty/ 00:00 Episode Overview 01:57 Bible Verse 02:26 What is a Home Warranty? 03:05 What Does a Home Warranty Cover 03:53 What Home Warranties Do Not Cover 04:34 Pros of a Home Warranty 07:13 Cons of a Home Warranty 08:17 Cost of a Home Warranty 09:09 When to Purchase a Home Warranty 09:57 Tips for Choosing a Home Warranty Provider 11:12 Final Thoughts 11:55 Outro

In this Ask Ralph Podcast episode, Ralph Estep Jr. talks about becoming debt-free with Godly wisdom and discipline. Ralph shares insights from the Bible, practical financial advice, and spiritual principles to help listeners break free from the chains of debt and step into financial freedom. He discusses the importance of wisdom, discipline, and faith in managing finances and provides actionable steps such as creating a realistic budget, exploring debt-reduction strategies, and seeking professional help. Tune in for a helpful and inspiring chat about managing your money God's way. https://www.askralphpodcast.com/godly-widsom-and-discipline/ 00:00 Episode Overview 01:05 Recap 02:08 Bible Verse 02:45 Wisdom in Financial Decisions 04:16 Discipline and Budgeting 05:15 Faith and Trusting God's Provision 05:48 Practical Steps to Become Debt-Free 07:16 Final Thoughts and Prayer 08:03 Outro

In this episode of the Ask Ralph Podcast, Ralph Estep Jr. talks about safe deposit boxes. Have you ever wondered where to keep those irreplaceable documents and valuable items? Ralph discusses the pros and cons of using a safe deposit box and what items are best stored in them. He talks about what to keep in them and what's better kept somewhere else. He also looks at other options like home safes and digital storage and shares biblical wisdom on the true treasures in life. Tune in to learn how to keep your stuff safe and remember what's important in life. https://www.askralphpodcast.com/safe-deposit-box/ 00:00 Episode Overview 01:17 Safe Deposit Box 02:39 What to Keep in a Safe Deposit Box 03:33 What Not to Keep in a Safe Deposit Box 04:20 Security of Safe Deposit Boxes 05:08 Alternatives to Safe Deposit Boxes 06:22 Bible Verse 06:52 Biblical Perspective on Treasures 07:15 Final Thoughts 07:39 Outro

Inheriting property can be both a blessing and a burden. On one hand, it represents a valuable asset that could improve your financial situation. Conversely, it can lead to misunderstandings, disagreements, and even legal battles. In this episode of the Ask Ralph podcast, host Ralph Estep Jr. delves into the intricacies of managing inherited properties. He outlines practical steps such as open communication, seeking legal advice, and getting the property appraised. Ralph also emphasizes the importance of being willing to compromise and the benefits of mediation if conflicts arise. https://www.askralphpodcast.com/ 00:00 Episode Overview 00:53 Show Announcements 01:59 Bible Verse 02:41 Action 1: communicate openly and honestly 03:19 Action 2: Seek Medical Guide 03:48 Action 3: get the Property Appraised 04:16 Action 4: consider your options 04:56 Action 5: put everything in writing 05:31 Action 6: be willing to compromise 05:56 Action 7: Try to keep your emotions in check 06:22 Action 8: Seek mediation if necessary 07:12 Episode Recap 08:19 Steps to take if you've inherited a property with someone else 08:57 Outro

Do the complexities of the tax code leave your head spinning and wondering how you'll ever get it right? You're not alone - taxes are a source of stress and anxiety for millions. But there is hope. In this episode of the Ask Ralph podcast, host Ralph Estep Jr. will help you learn practical steps to minimize your audit risk and finally find tax peace of mind. He will tackle the time limit IRS audits have, what records you need to keep, and how you can confidently prepare for an audit. Tune in to get the insider knowledge you need to handle the IRS easily. https://www.askralphpodcast.com/ 00:00 Episode Overview 00:42 Show Announcements 01:25 Bible Verse 01:58 Understand Irs Audit Time Limits 02:49 Exception 1: Substantial Understatement Of Income 03:31 Exception 2: Fraud Or Intentional Misrepresentation 04:05 Exception 3: Unfiled Tax Return 04:52 Minimize Your Audit Risk 05:23 Step 1: File On Time Every Time 05:59 Step 2: Double Check Your Work 06:42 Step 3: Keep a Meticulous Record 07:03 Step 4: Don't Be Afraid To Seek Professional Help 07:48 Episode Recap 08:21 Outro