Episodes

The episode of Ask Ralph podcast hosted by Ralph Estep Jr., focuses on the benefits, costs, and risks associated with personal financial apps such as Mint, Personal Capital, Pocket Guard, and YNAB. The podcast describes how t...

In this episode, host Ralph Estep, Jr. discusses common myths about retirement and debunks them. He covers topics such as the misconception that retirement means no work, the reliance on Social Security for all expenses, the ...

In this episode of the Ask Ralph podcast, host Ralph Estep Jr. discusses how individuals can find their purpose and success by using their unique gifts according to religious teachings. He emphasizes the importance of self-re...

In this podcast episode, Ralph Estep Jr. discusses the five tax blunders that can leave you broke. He highlights the importance of keeping accurate records, taking advantage of tax credits and deductions, planning for taxes t...

In this episode of Ask Ralph, the podcast dedicated to answering finance-related questions, host Ralph Estep, Jr. explores the topic of financing versus leasing when it comes to purchasing a car. Ralph then delves into the d...

In this episode of The Ask Ralph Show, host Ralph Estep Jr. explores the topic of beneficial ownership reporting, providing valuable insights into who truly owns and controls businesses. These regulations, implemented by FinC...

Join Ralph Estep, Jr. on the Ask Ralph Show as he explores crazy tax mistakes and how to fix them. From deducting pets as dependents to inflating charitable contributions, these stories highlight the importance of staying wi...

In this episode of the 'Ask Ralph' podcast, host Ralph Estep Jr. discusses the importance of staying safe online in the digital age. He begins by asking listeners if they are confident that they are doing everything they can ...

In this episode of Ask Ralph, the host, Ralph Estep Jr., discusses the topic of "Buying a Home After Bankruptcy." He acknowledges that declaring bankruptcy can have a significant impact on one's finances, including a drop in ...

Join Ralph Estep, Jr., on today’s show where he explores the topic “Poor in Life, Rich in Spirit” In our fast-paced and consumer-driven world, it's easy to get caught up in the pursuit of material wealth and possessions. Howe...

In today's episode of Ask Ralph, Ralph Estep, Jr., discussed the crucial importance of never allowing your customer to hear the dreaded message, "The person you are calling has a voicemail box which is full." He explores alte...

Join Ralph Estep, Jr., as he discusses why building an emergency savings plan is crucial for financial security and peace of mind. Living paycheck to paycheck without savings leaves individuals vulnerable to unexpected events...

Join Ralph Estep, Jr. as he discusses the important topic of reporting the sale of a primary residence. He provides information on the essential documents needed for accurate reporting, such as the closing statement, purchase...

In this episode of Ask Ralph, host Ralph Estep, Jr. explores the wackiest business news stories that have made headlines. These stories remind us that entrepreneurship is full of surprises and that truth can often be stranger...

In this episode of Ask Ralph, host Ralph Estep, Jr. discusses the best technology for handling accounting tasks in small businesses and the benefits of partnering with a professional accounting firm. Ralph emphasizes that tec...

In this episode of Ask Ralph, host Ralph Estep Jr. addresses the common struggle of finding motivation as a small business owner and offers a solution: focusing on core competencies instead of chasing after the competition. R...

In this episode of Ask Ralph, host Ralph Estep, Jr. explores the topic of navigating stormy financial times with faith and prayer. Ralph emphasizes that life can bring unexpected storms, especially when it comes to finances. ...

Join Ralph Estep Jr. on today's show as he engages in a conversation with Attorney Kevin Baird from the law firm of Baird, Mandalas, Brockstedt & Frederico. Ralph and Kevin have an insightful discussion about estate planning ...

The innocent spouse rules with the Internal Revenue Service are provisions designed to protect taxpayers from the tax liabilities of their current or former spouse. In this episode of the Ask Ralph podcast, host Ralph Estep, ...

Deferred interest loans have become increasingly popular, particularly in the retail sector, as they allow consumers to make purchases without incurring any interest charges for a specified period. While these loans offer fle...

Ralph Estep, Jr. welcomes listeners to another episode of the Ask Ralph podcast, where he delves into taxes and financial matters. In this episode, he focuses on preparing for tax season and provides valuable guidance on find...

In this episode of Ask Ralph, we explore the topic of raising your credit score by 200 points in less than five years. Host Ralph Estep Jr. breaks down the importance of credit scores and shares valuable insights on achieving...

In the latest episode of the Ask Ralph show, host Ralph Estep, Jr. discusses financial New Year's resolutions for 2024. According to a study from WalletHub, almost half of all Americans plan to make finance-related resolution...

In this episode of the Ask Ralph show, host Ralph Estep, Jr. discusses the retirement anti-bucket list – 10 experiences retirees don't want to encounter. He starts by addressing the misconception that one must work until a sp...