Episodes

Join Ralph Estep, Jr., on today's Ask Ralph Show as he answers the question - Should I Pay Off My Mortgage With Retirement Funds? Ralph explores the potential consequences as well as tax costs of such a move.

Join Ralph Estep, Jr., on today's show as we explores Second Mortgages. Ralph has a discussion about the types of second mortgages as well as the application process. He also delves into the pros and cons of these loans.

Join Ralph Estep, Jr., on today's show as we discusses what to look for when selecting an accountant to handle your taxes and why choosing a licensed accountant is a better option that a simple tax preparer or online software...

Join Ralph Estep, Jr., on today's podcast as he explores the impact of the New Delaware Paid Leave Program and how it will affect all Delaware businesses with more than 10 employees. Ralph discuss the goals of the program as ...

Join Ralph Estep Jr., on today's show as he discusses some Biden Administration updates to the laws related to including student loan debt in bankruptcy. Ralph discusses the new details related to these updated rules.

Join Ralph Estep, Jr., on today's podcast as he explores some very efficient retirement savings for Gig workers and the self-employed. These are some great opportunities for retirement savings.

Join Ralph Estep Jr., on today's podcast as he provides some efficient ways to boost charitable giving and get some fantastic year-end tax savings.

Join Ralph Estep, Jr., as he explores some great year-end tax planning strategies. Ralph will give some great ideas for taxpayers to reduce or limit their tax liability.

Join Ralph Estep, Jr., on the podcast where he explorers the importance of supporting small businesses. Ralph discusses the critical aspects of how small business is a life-line to our economy and the communities where they o...

Join Ralph Estep, Jr., on today's podcast as he explores the Back Door Roth IRA. Ralph explains what it is and how may benefit from it. Don't miss today's episode and the potential tax benefits of the Back Door IRA.

Join Ralph Estep Jr, today as he explores the potential reasons you may owe taxes for 2023. Ralph reviews some potential situations which could lead to a dreaded tax bill and how to prepare for tax filing.

Join Ralph Estep Jr., on today's show as he explores some changes to the form 1099-K and explains how this not only a business issue, but will affect anyone who uses cash apps or other exchange platforms. Ralph explains the n...

Join Ralph Estep, Jr., as he wraps up his three part series on Nine Common Things That People Avoid Because of Cost and Some Great Money Saving Alternatives. Ralph explores the final areas where listener will save money and c...

Join Ralph Estep, Jr., as he continues his three part series on great money saving alternatives that allow you t continue enjoy life and do the things you thought you could no longer afford to do. Ralpj gives practical ideas ...

Join Ralph Estep Jr., as he launches Part 1 of a three part series on the Nine Common Things That People Avoid Because of Cost and Some Great Money Saving Alternatives. Ralph explores money saving options to allow you to con...

Join Ralph Estep, Jr, on today's podcast as Ralph explores 10 Ways to Save Money During the Holiday Season. Ralph provides some very practical advice about how to have a stress-free and hopefully debt-free holiday season.

Join Ralph Estep, Jr., on today's podcast as he explores the consequences of ignoring your credit score. Ralph offers practical advice on how to improve your credit score and explores the costs of not honoring your credit.

Join Ralph Estep Jr., on today's podcast as he explores the financial impact of putting a loved one in a nursing home. Ralph explores the difficult financial decisions which may need to be made during this highly emotional ti...

Join Ralph Estep, Jr., on today's podcast as he explores the Top 10 Year End Business Tax Savings Ideas. If you are a business owner, Ralph will share critical steps you may be able to take at year-end to save on your taxes.

Join Ralph Estep, Jr., on today's podcast as he reviews some listener submitted questions about personal finance. Ralph provides powerful information about budgeting, saving and retirement planning.

The Ask Ralph podcast relaunch. Join Ralph Estep, Jr., as he welcomes everyone back the podcast. During this show Ralph takes listener questions about personal finances. Ralph explores business year-end tax savings strategies...

The Ask Ralph podcast is coming back! We are working on some great new content.

A recent study taken by American workers found that only 11% of the respondents were able to complete all of their given tasks within the workday. A startling statistic, but one that rings understandable to most of us. On tod...

The American tax system operates on a "pay as you go" basis, meaning, the IRS wants taxes paid as you earn your income, not after. For employees, this means payroll withholding. For retirees, this means opting for withholding...