Ask Ralph - Christian Finance

Dec 21 2024 597 ep. 14 mins

Ask Ralph - Christian Finance Podcast artwork

Are you a Christian longing to honor God in every aspect of your life, including your finances? The Ask Ralph Podcast is your guide to finding financial freedom, making wise money decisions, and aligning your resources with your faith. Your host, Ralph Estep, Jr., brings a unique combination of expertise and genuine experience to the table. He's an accountant, a business coach, a podcast host, an author, a farmer – but above all, a husband, father, and a man seeking to follow Jesus wholeheartedly. Ralph has been through the highs and lows of managing money - he's made mistakes, learned powerful lessons, and wants to share that journey with you. Expect a refreshing blend of practical advice and Biblical principles. We'll cover everything from creating a rock-solid budget and ditching debt to building ethical businesses and exploring the transformative power of generous giving. Whether you're a business owner yearning to integrate your faith into your work, or simply a person desiring wise stewardship of what you've been given, this podcast is for you. Get ready to ditch financial stress, gain clarity and confidence, and use your resources to fulfill God's calling in your life.

Religion & Spirituality Business Education

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How do I handle auto insurance if my kids are away at school?

Dec 21 2024 39 mins

Can a Christian parent cut corners on car insurance to make ends meet? This heart-wrenching dilemma faced by many families is explored as Ralph Estep Jr. dives into the complexities of financial decision-making from a faith-based perspective. The episode tackles questions about the morality of debt, the biblical view on life insurance, and practical advice for managing finances dur

Why should I designate a trust as a retirement account beneficiary?

Dec 20 2024 19 mins

Are you worried about what will happen to your retirement accounts if the unexpected occurs? Today, Ralph dives into the critical topic of naming a trust as a beneficiary for retirement accounts, a decision that can save your family from unnecessary taxes and complications. He shares his own journey, highlighting how a revocable living trust not only provides peace of mind but also

What are some new tax issues facing us in 2025?

Dec 19 2024 26 mins

Has the thought of 2025 tax changes kept you up at night? Ralph Estep Jr. addresses the looming expiration of the Tax Cuts and Jobs Act and its potential impact on your financial future. He shares the story of David, a small business owner grappling with uncertainty, highlighting the importance of preparation and resilience in the face of changing tax laws. With insights on estate

Why do people obsess over a 800 credit score when this score is just as good?

Dec 18 2024 24 mins

Chasing that elusive 800 credit score could be the very thing blocking your financial blessings. Ralph shares the heartfelt story of Jennifer, who has put her life on hold due to her obsession with her 765 credit score, highlighting how this fixation can lead to unnecessary anxiety and missed opportunities. Drawing from his extensive experience as a credit executive, Ralph reveals

What are 7 warning signs that my computer has been hacked?

Dec 17 2024 25 mins

Catherine, a small business owner, faced a devastating cyberattack that locked her out of her entire life's work, demanding a ransom in Bitcoin. This harrowing experience serves as a crucial reminder of the increasing threats posed by cybercriminals, particularly to small businesses and faith-based organizations. Ralph Estep Jr. shares valuable insights on the seven warning signs t

Why should I choose a credit union over a traditional bank?

Dec 16 2024 25 mins

Choosing a credit union over a traditional bank can significantly impact your financial journey, especially when it aligns with your Christian values. Ralph Estep Jr. shares his extensive experience as a credit union executive, highlighting the key differences between institutions that prioritize profits and those that genuinely care for their members. Through compelling stories, h

How can we express our love for Christ in our daily lives?

Dec 15 2024 22 mins

Are you caught in the conflict between your financial ambitions and your spiritual values? Many Christians, like Mindy from New York, grapple with the tension of pursuing wealth while desiring to honor God in their lives. Ralph shares his powerful journey of reconciling faith and finances, emphasizing that success does not have to come at the cost of spiritual integrity. By integra

How can I find financial harmony with my partner?

Dec 14 2024 36 mins

Are money fights destroying your marriage? Ralph Estep Jr. tackles this pressing issue by sharing a powerful story of transformation for a couple struggling with financial conflicts. He delves into crucial year-end tax moves that could save you thousands, as well as practical advice for turning a side hustle into a thriving business. With insights on charitable giving strategies an

What are 9 steps I can take right now in my business for a better tax situation next year?

Dec 13 2024 23 mins

Are you feeling overwhelmed by your tax obligations as a small business owner? You're not alone, and today we tackle that very issue. Ralph shares nine battle-tested steps that helped Mark save over $30,000 on his taxes while keeping his employees. From reviewing your business structure to maximizing deductible expenses, these strategies merge smart financial planning with faithful

What are 11 tax related new years resolutions I should adopt?

Dec 12 2024 30 mins

Are you grappling with the financial strain of tax season, caught between your obligations to pay taxes and your commitment to generous giving? Ralph shares powerful insights by revealing 11 biblical tax resolutions that helped one small business owner turn a daunting $12,000 tax bill into a surprising $3,000 refund. These strategies aim to align your financial decisions with your