You may be tired of dealing with multi-state tax compliance. If you are under the threat of double taxation and penalties, it can be a severe headache. Crossing state lines when working is a sure trainwreck of taxes gone wrong. This episode of

Is my side hustle actually illegal?

1 day ago 10m 52s

Side gigs and side businesses have become increasingly popular ways to earn extra income. However, many entrepreneurs still need to know the complex web of local laws and regulations governing these operations. Tune in to this episode of the As

Should I get a no credit check or other online loan?

2 days ago 14m 6s

When financial pressures mount and your balance is dwindling, what's your next move? You might think about getting a fast online loan. But, are no credit check loans and payday loans really smart choices, or are they traps? Should we ever consi

What is a home warranty and should I have one?

3 days ago 13m 17s

Are you tired of worrying about expensive home repairs and replacements that could cost thousands of dollars? Have you ever wondered if there was a way to get peace of mind when owning a home? Tune in to this episode of the Ask Ralph Podcast w

How do I become debt free through Godly wisdom and discipline?

4 days ago 9m 47s

Are you drowning in debt and feeling like there's no way out? You're not alone - many people feel overwhelmed by their debt load, and getting ahead is impossible. But there is hope! How do you become debt free through Godly wisdom and disciplin

What should I keep in my safe deposit box? Do I even need one?

5 days ago 8m 56s

Are your most precious possessions safe? Do you worry about losing important documents like your will or property deeds in a disaster? Should you keep it in your safe deposit box? Do you even need one? Tune in to this episode of the Ask Ralph P

What do I do when I inherit property with someone else?

6 days ago 10m 23s

Inheriting a property with someone else, such as a sibling or co-owner, can be an emotionally charged situation rife with potential problems, pains, and frustrations. Managing shared inheritance involves navigating complex legal and family dyna

How many years can the IRS audit my returns?

7 days ago 10m 5s

As a taxpayer, knowing the IRS audit time limits is essential to avoid any surprises. Familiarizing yourself with these time limits and diligently maintaining good record-keeping practices will protect you from unforeseen complications during a

How can you manage unexpected expenses without getting trapped in a debt cycle?

8 days ago 9m 21s

Are you tired of living paycheck to paycheck and want more financial freedom but don't know how to get extra cash without falling into a debt trap? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he offers great options

What is an ETF and is it a safe investment for me?

9 days ago 9m 47s

Have you ever wondered what an ETF is and if it's a safe investment for your portfolio? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he explains all about this common type of investment and explores how it aligns wit

Are Credit Counseling Services Really a Scam or Do They Help People in Debt?

10 days ago 10m 4s

When you're overwhelmed by debt, credit counseling services can seem like a lifeline. But how do you know if they're legitimate or just another scam? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he explores the truth

How Can You Balance Wealth and Generosity Biblically?

11 days ago 11m 16s

When balancing wealth and generosity, have you ever felt torn between enjoying financial success and staying true to your Christian values? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he discusses how to navigate th

How Can Small Business Owners Increase Their Company's Value?

12 days ago 36m 58s

Are you a small business owner feeling stuck and unsure of how to increase the value of your business? Do you find yourself overwhelmed by the day-to-day tasks and unable to step back from operations? Tune in to this episode of the Ask Ralph Po

Should You Put Money Down on Your Next Car Purchase?

13 days ago 11m 1s

When deciding on a car purchase, have you ever felt torn between making the financially optimal choice and the option that would give you the most peace of mind? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he discus

What Really Happens If You Cheat on Your Taxes?

14 days ago 18m 9s

Have you ever been tempted to cut corners on your taxes? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he discusses common tax evasion methods, how the IRS catches tax cheats, and the severe penalties for intentional

Are You Prepared for the Unexpected Expenses of Maintaining a Home?

15 days ago 13m 3s

Imagine you finally get your dream house. You got approved for a mortgage, signed all the papers, and now you have the keys in your hand. But wait, is owning a house really that easy? What about all those extra costs that might pop up unexpecte

How FDIC Insurance Protects Your Bank Deposits?

16 days ago 12m 11s

Have you taken the time to verify that your bank accounts are fully covered by FDIC insurance? What steps would you need to take if your deposits exceeded the $250,000 insurance limit? Tune in to this episode of the Ask Ralph Podcast with Ralph

How to Navigate Credit Card Offers Wisely and Avoid Common Traps

17 days ago 8m 46s

Have you ever been enticed by a credit card offer that seemed too good to be true? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he dives into the world of credit card perks, helping you separate the blessings from th

How to Prepare for a Fear-Free Retirement with Practical and Spiritual Guidance

18 days ago 10m 31s

Does the thought of retirement fill you with excitement or dread? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he addresses common fears retirees face, such as outliving savings, healthcare costs, inflation, and loss

What Do I Do When My Car Lease Ends?

19 days ago 11m 4s

Are you confused about what to do when your car lease ends? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he addresses the common dilemma faced by many: what do I do when my car lease ends, should you turn in your lea

How go I get my adult children to leave the nest?

20 days ago 10m 41s

Do you have grown kids living at home and you're finding it challenging? Want to help them move out and become independent but not sure how to do it in a kind and supportive way? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep

What are Required Minimum Distributions or RMDs?

21 days ago 11m 3s

Are you confused about Required Minimum Distributions and how to manage them effectively in retirement? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he addresses common problems retirees face regarding RMDs, such as

Could AI in Lending Hurt Your Chances of getting a loan?

22 days ago 9m 1s

Want to know how AI is changing the way lending works? Curious about the effects of algorithms assessing your creditworthiness? Join Ralph Estep Jr. in this episode of the Ask Ralph Podcast as he explores the intersection of AI and lending and

Setting Limits on Smartphone Use to Help Children Thrive in a Digital World

23 days ago 8m 16s

Are your kids addicted to using their smartphones? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he discusses concerns that excessive smartphone use can negatively impact children's development. The Alarming Effects o

Debt Free: Bankruptcy And Debt Management To Overcome Your Financial Burden

24 days ago 16m 17s

Are you drowning in debt with no end in sight? Do collection calls have you constantly stressed? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he discusses the complex world of debt management and bankruptcy. Navigati