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 wholehear ...
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SeedTime Money (Christian living & Personal Finances)
Bob & Linda Lotich | Christian Financial Coaches
👉 Want to be debt-free this year? Want to stop counting the days til payday? Want to have the money available to do all the dreams God has put on your heart? Well, for the rest of 2024, we are running a 40-week series where we share our 40-week checklist to eliminate debt, build wealth, and give $1 million. Each week, we share specific action steps we took to go from maxed-out credit cards with debt collectors calling to being 100% debt-free and reaching our biggest financial goal of giving ...
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Button Up Podcast| Christian Business Growth Coach, Sales To Profit Growth, Sales Training, Improve Srategy Processes, Faith-led entrepreneur, Improve Sales, Small Business Finance
Polly Ingram | Christian Business Growth Coach, Sales Training, Homebased Business Consultant, Profit Growth Coach, Sales To Profit Mentor, Executive Leadership Skills Trainer, Entreprenurial Supporter, Process Leader
Welcome to the Button Up Podcast show, focused on Sales to Profit Growth, I’m Polly Ingram! Have you been searching for a way to improve sales, modify your process strategies and have an impact on profit growth? Are you feeling like you are working too many hours in your business, without seeing the profits you anticipated? Do you need to sharpen your sales training skills, so you can develop your team members? Could there be a hidden revenue method within your business that you haven’t thou ...
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What is the rule of 55 and how can I use it to reduce my taxes?
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Are you feeling trapped in your job and dreaming of an early retirement? The rule of 55 might just be your ticket to accessing your 401(k) funds without penalties before reaching 59 and a half. Ralph dives deep into this little-known strategy that can potentially save you thousands in taxes and help you achieve financial freedom sooner than you tho…
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Should I purchase special medical insurance when I travel abroad?
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Are you planning a trip abroad and wondering if travel medical insurance is really necessary? In this podcast, we explore the crucial importance of purchasing specialized medical insurance for international travel, especially in light of the financial risks posed by unexpected medical emergencies. Ralph shares personal stories, including a frighten…
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What are some of the best online deals banks offer for opening a new account?
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Are you feeling undervalued by your current bank? This episode dives into the world of online banking, highlighting the incredible perks and bonuses that could significantly boost your financial situation. Ralph Estep Jr. shares valuable insights on how making the switch to an online bank could lead to higher interest rates, substantial sign-up bon…
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What are the 5 most common places retirees spend their money in retirement?
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Retirement can bring unexpected financial surprises, and understanding where your money is likely to go is crucial for enjoying your golden years. This episode uncovers the five most common areas where retirees tend to spend their money: healthcare, housing, travel, family support, and food and entertainment. Through real-life stories from clients,…
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How do I effectively embrace God's gift of rest?
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Are you feeling overwhelmed and struggling to find peace in your hectic life? Today, Ralph addresses the vital question of how to effectively embrace God's gift of rest. He shares personal insights and practical steps to help listeners find balance between their work, faith, and personal lives without burning out. Ralph emphasizes that rest is not …
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(💸28/40) The Hidden Power of Prayer: How Speaking Scripture Unlocked Financial Freedom (FREE DOWNLOAD)
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In this episode, we reveal one of the most significant practices that revolutionized our finances and took us from broke to being able to reach our million dollar giving goal: praying scripture over our finances. 🔎We dive deep into: The truth about why separating God from your finances is holding you back 5 reasons why praying scripture will transf…
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What are the differences between a revocable and irrevocable trust?
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Are you worried about what will happen to your hard-earned assets after you're gone? Understanding the differences between a revocable and irrevocable trust is crucial for protecting your legacy and ensuring your wishes are fulfilled. Ralph Estep Jr. dives deep into the nuances of these two types of trusts, emphasizing how a revocable trust offers …
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What are 9 signs that show that I am financially secure?
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Are you truly financially secure, or do you lie awake at night wondering if your savings can handle unexpected expenses? In this episode, Ralph explores what financial security really means, emphasizing that it’s not just about the numbers in your bank account. From building a solid emergency fund to creating multiple income streams, these factors …
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Why states with no income tax aren’t as affordable as they may seem?
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Are you considering a move to a no-income-tax state, dreaming it will solve all your financial problems? This episode reveals why these states might not be the financial paradise you envision. Host Ralph Estep Jr. shares the cautionary tale of his client Jim, who moved to Tennessee only to be overwhelmed by hidden costs, such as high sales and prop…
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How do I handle lending money to friends and family and what are the tax issues related to making those loans?
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Navigating the tricky waters of lending money to friends and family can be fraught with emotional and financial risks. Ralph dives deep into this topic, emphasizing that it might often be wiser to consider such transactions as gifts rather than loans to preserve relationships. He shares a cautionary tale about Stephanie, who lent her brother money …
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What are 7 ways my bank can help me stick to my budget?
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Are you struggling to keep your spending in check and feeling overwhelmed by your finances? You're not alone. Today, Ralph shares seven powerful ways your bank can help you stick to your budget and regain control of your financial life. From utilizing budgeting tools and spending analysis to setting up alerts and automating savings, these strategie…
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What do experts say about how much is the maximum amount to deposit to a CD?
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Are you feeling anxious about your savings and the stock market? Today, Ralph Estep Jr. dives into the world of Certificates of Deposits (CDs) and explores how they can be a powerful tool for maximizing your savings while minimizing risk. Learn about the benefits of using CDs as an investment vehicle, including creating a CD ladder for balanced per…
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How do I learn to effectively apologize?
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Apologizing effectively is a crucial skill that can save relationships, enhance partnerships, and promote personal growth. In this episode, Ralph dives into the art of making a meaningful apology, emphasizing that simply saying "I'm sorry" often falls short. He shares his own journey of learning to apologize, highlighting the five essential compone…
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(💸27/40) 5 Hidden Money Traps Keeping You in Debt (And How to Escape Them)
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Are you tired of feeling trapped by debt? What if I told you that the key to getting out of debt isn't just about making more money? In this episode, we're tackling the question that's keeping millions of Americans up at night: "Why am I still in debt despite my best efforts?" 🔎We're pulling back the curtain on: 5 hidden mistakes that are likely sa…
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What are 9 terrible pieces of money advice to ignore if you want to get rich?
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Navigating the world of financial advice can be overwhelming, especially with the multitude of contradictory opinions out there. This podcast dives into the nine terrible pieces of money advice that you should ignore if you truly want to build wealth. Ralph shares eye-opening stories from clients who have followed misguided recommendations, leading…
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What are the 7 best investment choices for frugal people?
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Are you feeling too frugal to invest? You’re not alone, and today’s discussion tackles this common concern while highlighting the importance of smart investing for those who are naturally cautious with their finances. Ralph Estep Jr. shares seven excellent investment options tailored for frugal individuals, emphasizing that being thrifty and a savv…
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What is the tax impact of getting a lump sum versus routine payout of retirement?
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In today's episode of the Ask Ralph podcast, we delve into the vital decision of choosing between a lump sum and annual retirement payouts, a choice that can significantly impact your financial future. Ralph Estep Jr unpacks the tax implications, budgeting considerations, and investment opportunities associated with each option, using illustrative …
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How 15 Minutes of Prayer Outperforms 10 Hours of Strategy and the exact prayer habits of the top Christian leaders with Peter Greer
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Today we sit down with Peter Greer, President and CEO of HOPE International, to unpack the revolutionary insights from his new book, "Lead with Prayer." 🔍 Here's what we uncovered: The eye-opening prayer habits of Francis Chan, Mark Batterson, and other Christian powerhouses Why 15 minutes of prayer trumps 10 hours of strategy (and how to implement…
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What are 9 unexpected costs of selling your home?
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Ralph dives into the often-overlooked hidden costs of selling a home, a topic that can leave many homeowners unprepared and financially strained. He outlines nine unexpected expenses, from presale home inspections to capital gains taxes, that can significantly impact your wallet. Ralph emphasizes the importance of budgeting and preparation to manag…
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What do I do when I lose my wallet to protect from identity theft?
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Losing a wallet can lead to more than just a temporary inconvenience; it can be the gateway to a full-blown identity theft nightmare. In this episode, Ralph delves into practical steps you can take to safeguard your identity if you find yourself in such a situation. Learn how to create an inventory of wallet contents and the importance of limiting …
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What are 7 common traits of Americans who can never, ever, retire?
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Feeling worried about your retirement prospects? Wondering what habits might be preventing you from securing a comfortable retirement? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr., where he breaks down the seven common traits of Americans who can never ever retire and provides actionable steps to help you avoid these pitfalls.…
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How can I manage my anxiety by using my faith?
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Are you struggling with anxiety and searching for ways to manage it through your faith? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr., where he answers the powerful question, How Can I Manage My Anxiety by Using My Faith? Ralph shares faith-based strategies to help you overcome anxiety and find peace amidst life’s challenges, o…
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(💸26/40)The Dilbert Effect: How Combining 3 'MicroSkills' Can Make You Extraordinary
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Ever wonder why some people seem to effortlessly climb the career ladder while others stay stuck? We're about to blow the lid off the biggest secret in professional development. In this episode, we dive deep into the game-changing concept of micro-skills - the hidden superpower that can catapult you from average to extraordinary. 🔎Here's what we un…
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