What Are The Steps I Can Take To Finally Take Control Of My Finances-My Interview With Robert Plank Ask Ralph

9:36

Are credit cards helping you—or quietly hurting your financial peace? In this episode, Ralph Estep Jr. tackles a deeply personal and practical question many Christians wrestle with: how should we think about credit cards? From managing shame and anxiety around debt to exploring the biblical principles of stewardship, contentment, and trust, Ralph walks listeners through the spiritual and emotional weight of credit card use. With honest encouragement, practical next steps, and scriptural insight, this conversation helps you discern whether credit cards are your friend or foe . Read today's blog article Check out the full podcast episode here Whether you’re carrying a balance, considering a new card, or simply trying to navigate modern money tools with wisdom, this episode provides clarity and grace. Learn how to take the first faithful step toward freedom—and how one simple action can rebuild your confidence, quiet the shame, and align your finances with your faith. Chapters: 00:04 - Understanding Emotional Weight 01:59 - Drowning in Debt: A Call for Help 03:22 - Breaking Free from Shame 04:45 - Taking Control of Your Finances 07:37 - Journey to Financial Peace 08:31 - Navigating Financial Surprises Takeaways: Feeling overwhelmed by debt is super common, and you're definitely not alone in this. Taking small, focused steps can help you regain control over your financial life. Targeting the smallest debt first can actually boost your confidence and motivation. It's important to gather your statements and face your financial situation head-on with bravery. Channeling your energy into one specific debt can help you feel empowered and less trapped. Remember, progress is possible, and every little win counts towards your financial freedom. LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST Please share our Podcast with all your friends and family! Submit your questions or ideas for future shows - email us at ralph@askralph.com or leave a voicemail message on our podcast page Leave A Voicemail Message Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances ! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon…

Ask Ralph - Christian Finance

1
Why Is an Emergency Fund Your Lifeline to Financial Peace? 11:14

hace 1 day11:14

11:14

What if one unexpected bill could knock everything off track? In this episode of Ask Ralph , Ralph Estep Jr. answers a listener’s heartfelt question: “What can I do when I feel like I’m always one emergency away from disaster?” Ralph explores the anxiety so many people feel about unexpected expenses and introduces a powerful, biblical solution—starting a $500 emergency fund. With wisdom from Proverbs and real-life examples, this episode encourages listeners to build a cushion of security during their financial “summer” to prepare for the inevitable “winter.” Creating a starter emergency fund can be your lifeline to financial peace. Read today's blog article Check out the full podcast episode here Ralph shares actionable strategies for how to save your first $500—whether it’s cutting back on coffee runs, selling unused items, or using your next tax refund—and reminds us that the journey to financial freedom begins with one intentional step. He challenges listeners to take that step this week and lean into faith, discipline, and God’s provision. If you’re tired of living with financial anxiety and ready to build real peace of mind, this episode will give you the motivation and tools to get started. Chapters: 00:13 - Facing Unexpected Financial Challenges 02:02 - Overcoming Financial Anxiety 05:06 - Building Your Emergency Fund: The Starter Solution 05:47 - Starting Your Emergency Fund: The First Step to Financial Security 10:22 - Taking the First Step Towards Financial Freedom Takeaways: Feeling like you're one unexpected bill away from disaster is super common, trust me! Building a starter emergency fund of $500 is a game changer for your peace of mind. The ant from Proverbs teaches us to prepare for financial storms before they hit. Living without a financial buffer is exhausting, so let's make that starter fund happen! You can get creative to save that $500, like cutting small expenses or selling unused stuff. This journey towards financial freedom starts with small, manageable steps, so let's take them! LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST Please share our Podcast with all your friends and family! Submit your questions or ideas for future shows - email us at ralph@askralph.com or leave a voicemail message on our podcast page Leave A Voicemail Message Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances ! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon…

Ask Ralph - Christian Finance

1
How Can I Kick Impulse Buying to the Curb and Save Money? 11:39

hace 3 días11:39

11:39

Are impulse purchases derailing your financial goals? In this episode of Ask Ralph , Ralph Estep Jr. addresses one of the biggest traps keeping people stuck in the paycheck-to-paycheck cycle: impulse spending. Ralph unpacks why those “gotta-have-it” moments feel good for a second but wreak havoc on your finances. Using Proverbs 21:20 as a guide, he challenges listeners to replace impulsive “gulping” with intentional stewardship—starting with one simple tool: the Power Pause. This small habit will help you kick impulse buying to the curb for good . Read today's blog article Check out the full podcast episode here You’ll learn how emotional triggers like stress, boredom, and comparison fuel poor spending habits—and how a 24-hour pause can disrupt that cycle, strengthen financial self-control, and bring lasting peace. Ralph offers four key questions to ask before any unplanned purchase, helping you move from reaction to wisdom. Whether you’re working on saving, building a budget, or simply trying to make better financial decisions, this episode offers a powerful mindset shift and actionable steps to help you steward God’s resources well. Chapters : 00:10 - Breaking the Cycle of Impulse Spending 02:16 - Understanding Impulse Spending 05:14 - Breaking the Cycle of Impulsive Spending 05:30 - The Power Pause: A New Approach to Impulsive Spending 08:29 - The Power of the Pause Takeaways: Impulse buying can lead to that all-too-familiar buyer's remorse we all dread after splurging. Taking a moment to pause before making purchases can drastically change your financial game. It's all about being intentional with your spending to avoid ending up broke and stressed. Ralph emphasizes the importance of a 24-hour pause to rethink those impulse buys. Understanding the triggers behind impulse spending, like stress and boredom, is crucial for change. The key to financial peace is learning to say 'no' to impulse and 'yes' to intentionality. LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST Please share our Podcast with all your friends and family! Submit your questions or ideas for future shows - email us at ralph@askralph.com or leave a voicemail message on our podcast page Leave A Voicemail Message Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances ! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon…

Ask Ralph - Christian Finance

1
Why Is Budgeting Your Secret Weapon to Financial Freedom? 13:04

hace 4 días13:04

13:04

Are you feeling that paycheck-to-paycheck pressure? Yeah, we’ve been there. Today, Ralph Estep Jr. is keying in on how to break free from that cycle of financial stress and shame. He’s here to share a simple biblical strategy that can help unlock your financial freedom and give you some much-needed breathing room. We're diving into real talk about money, tracking your expenses, and, yes, even budgeting! By the end of this episode, you’ll discover the secret weapon to financial freedom! Read today's blog article Check out the full podcast episode here If you’ve ever felt the weight of financial shame, Ralph Estep Jr. is here to lift you up! This episode tackles the all-too-common feeling of running out of money before the next paycheck arrives. Ralph shares his journey through financial struggles, reminding us that living paycheck to paycheck isn’t God’s best for us. He discusses the importance of stewardship and understanding where our money goes. Ralph provides practical steps for breaking free from financial anxiety. He emphasizes tracking expenditures as the first step towards awareness, leading to control over our finances. Ralph lays out a simple challenge for listeners—keep a log of every dollar spent for the next week. This exercise might reveal surprising insights into our spending habits. Chapters: 00:15 - Unlocking Financial Freedom 02:39 - Understanding Financial Stewardship 04:38 - Understanding Your Finances: A Challenge to Track Your Spending 06:30 - Building Financial Awareness and Control 07:43 - Understanding Your Expenses 10:20 - Transitioning to Financial Freedom Takeaways: Living paycheck to paycheck isn't a must; it's not God's best for you. Awareness of your finances is key, so track every dollar that comes in and out. Creating a budget gives you control over your money and helps guide your spending. Impulse purchases can derail your financial plans; awareness is the first step to prevention. God wants you to have peace and security with your finances, so take action today. Start by understanding your income and expenses to create a financial roadmap for success. LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST Please share our Podcast with all your friends and family! Submit your questions or ideas for future shows - email us at ralph@askralph.com or leave a voicemail message on our podcast page Leave A Voicemail Message Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances ! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon…

Ask Ralph - Christian Finance

1
LIVE SHOW REPLAY - Ready to Thrive, Not Just Survive? Your Financial Breakthrough Starts Now! 55:46

hace 5 días55:46

55:46

Feeling trapped in the paycheck-to-paycheck cycle? You’re not alone, and today we’re diving deep into why many of us feel this way and how we can break free from the chains of financial shame and anxiety. Ralph Estep Jr. and co-host Craig Van Slyke, Ph.D., tackle the emotional and practical aspects of financial struggles, offering insights and solutions grounded in biblical wisdom. Are you ready to thrive, and not just survive? Read today's blog article Check out the full podcast episode here This episode explores the concept of financial security, emphasizing that merely surviving financially isn’t truly living. The discussion unveils hidden traps like lifestyle creep and emotional spending, while providing practical steps to regain control of your finances. The goal? To empower listeners to take actionable steps towards financial freedom, ensuring that they not only manage their money better but also align their financial practices with their values and beliefs. Expect an encouraging conversation that feels like a chat with friends, filled with relatable anecdotes and a sprinkle of humor to lighten the serious topic of personal finance. Chapters: 00:11 - Escaping the Paycheck to Paycheck Trap 01:04 - Breaking the Cycle of Financial Shame 10:43 - Lifestyle Creep and Financial Pitfalls 13:51 - Understanding Needs vs. Wants 20:54 - The Emotional Toll of Financial Stress 24:13 - Taking Control of Your Finances 34:19 - Celebrating Small Wins in Weight Loss and Finances 39:58 - Teaching Financial Literacy to the Next Generation 44:01 - The Importance of Intentionality in Financial Planning 49:02 - Financial Awareness and Legacy Planning 52:40 - Taking Action: Steps Towards Financial Improvement Takeaways: You're totally not alone in feeling stuck financially; many people are in the same boat, trust me! Living paycheck to paycheck is a trap, but guess what? You can escape it, and we're here to help! It's super important to distinguish between needs and wants to break free from emotional spending and financial shame. Start small with your financial goals—building a budget or savings can lead to big changes over time! Embrace the journey of financial growth; celebrate those little wins because they add up to something huge! Talking about money with your family is key—teach your kids about budgeting so they can avoid financial traps later! LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST Please share our Podcast with all your friends and family! Submit your questions or ideas for future shows - email us at ralph@askralph.com or leave a voicemail message on our podcast page Leave A Voicemail Message Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances ! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon…

Ask Ralph - Christian Finance

1
What Legacy Will You Leave? Can You Build Wealth That Matters? 11:15

hace 6 días11:15

11:15

What comes after financial freedom? When the debt is paid down, and you finally have breathing room, it’s time to ask a deeper question—what kind of legacy are you building? In this episode of Ask Ralph , we shift the focus from budgets and bank balances to something much more lasting: the impact your money—and your values—can have beyond your lifetime. Ralph unpacks what it means to build wealth that matters, rooted in purpose, faith, and the kind of stewardship that echoes through generations. So, have you ever paused to consider if you can Build Wealth That Matters? Read today's blog article Check out the full podcast episode here You’ll learn the difference between simply managing money and intentionally building with it. Ralph challenges listeners to write their own financial legacy vision statement and explains why you don’t need a million dollars to leave something meaningful behind. Whether you’re just beginning to move past survival mode or already thinking about generational impact, this episode offers clarity, encouragement, and practical steps to start shaping a legacy that reflects God’s Kingdom and your values. Chapters: 00:04 - Understanding Life After Financial Freedom 01:49 - Building a Financial Legacy 04:49 - Aiming for Financial Success 05:22 - Creating Your Financial Legacy Vision Statement 08:59 - A Prayer for Purpose and Legacy 09:30 - Building Your Legacy: A Vision for the Future Takeaways: Understanding your financial legacy helps you aim beyond just surviving paycheck to paycheck. Building a vision for your finances creates clarity in your spending and saving decisions. Financial freedom isn’t just about money; it’s about the impact you can make for others. Writing down your legacy vision statement can motivate you to manage your finances purposefully. Too many people live life on autopilot; aim to build something meaningful instead. Remember, you’re not just managing money; you’re creating a legacy for future generations. LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST Please share our Podcast with all your friends and family! Submit your questions or ideas for future shows - email us at ralph@askralph.com or leave a voicemail message on our podcast page Leave A Voicemail Message Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances ! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon…

Ask Ralph - Christian Finance

1
Small Wins, Big Change: Can You Build Financial Momentum? 9:58

hace 7 días9:58

9:58

Feeling stuck in your finances, even though you’re doing “everything right”? You’re not alone—and you’re probably doing better than you think. In this episode of Ask Ralph , we explore the underestimated power of small wins in your financial journey. Ralph shares how small, consistent steps like saving $20, skipping that $6 coffee, or paying off a $50 balance aren’t insignificant—they’re foundational bricks in something much bigger. This isn’t about perfection or overnight results. It’s about showing up, brick by brick, and building momentum through Small Wins that lead to Big Change . Read today's blog article Check out the full podcast episode here You’ll learn how to reframe your progress through the lens of stewardship, discover how faithfulness in little things can lead to transformation, and take on Ralph’s 7-Day Momentum Challenge to start tracking and celebrating your own wins. Whether you’re overwhelmed by the big picture or feeling discouraged by slow progress, this episode is a reminder that God honors your consistency. Stewardship starts small—but it builds momentum that lasts. Chapters: 00:01 - The Struggles of Managing Finances 01:35 - Building Momentum Through Small Wins 05:06 - Mindset and Progress 06:13 - Embracing Your Journey: The Importance of Faithfulness 08:26 - Building for a Purpose Takeaways: Small wins are crucial for overcoming financial shame and anxiety; celebrate them! You don't need to hustle harder; just keep showing up and being consistent. Track your small victories daily to build momentum and recognize your progress. Remember, progress isn't always loud, but it is always real and meaningful. Take part in the seven day Momentum Challenge to identify and celebrate small wins. God sees your efforts and values your faithfulness, regardless of how slow progress feels. LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST Please share our Podcast with all your friends and family! Submit your questions or ideas for future shows - email us at ralph@askralph.com or leave a voicemail message on our podcast page Leave A Voicemail Message Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances ! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon…

Ask Ralph - Christian Finance

1
Budgeting Broken? Can You Really Break the Cycle? 9:36

hace 8 días9:36

9:36

Do you ever feel like your money is in control—and you’re just along for the ride? You’re not alone. In this episode, Ralph Estep Jr. offers a thoughtful exploration of the emotional challenges tied to financial management, including the shame and anxiety that often accompany budgeting struggles. So, do you want to learn how to break the cycle of a broken budget? Read today's blog article Check out the full podcast episode here Through a candid discussion, Ralph emphasizes that it’s not about being lazy or broken; it’s about having a plan—his 3P plan to be precise! He shares how budgeting isn’t a punishment but a pathway to freedom, allowing us to say 'yes' to what truly matters. Ralph breaks down the steps to taking control of your finances without the guilt. By the end of the episode, you’ll feel empowered to take action and start budgeting with intention, knowing that small steps lead to big changes. Chapters: 00:13 - Creating a Better Financial Plan 02:34 - The Importance of Budgeting 03:30 - Understanding Budgeting: The 3P Framework 05:44 - Understanding Financial Emotions 08:08 - Financial Strategies for Success Takeaways: Budgeting is about giving every dollar a job, not just deprivation or restriction. You're not your financial mistakes; it's all about growth and learning in the process. The 3P plan: Plan, Prioritize, and Practice your budgeting for financial freedom. Celebrate small wins along your budgeting journey; every step counts towards progress. Don't aim for perfection in budgeting; focus on consistency and persistence instead. Tithing should come from trust, not guilt; it's about a cheerful giving heart. LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST Please share our Podcast with all your friends and family! Submit your questions or ideas for future shows - email us at ralph@askralph.com or leave a voicemail message on our podcast page Leave A Voicemail Message Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances ! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon…

Ask Ralph - Christian Finance

1
Is Money Stress Crushing Your Faith? 7:48

hace 9 días7:48

7:48

Living paycheck to paycheck can feel like a never-ending cycle of anxiety and shame. Ralph Estep Jr. gets real about the emotional toll that financial stress can take, not just on our wallets but on our entire lives. He shares relatable stories of late-night worries and grocery line fears, shining a light on how these pressures can seep into our faith and relationships. It’s a heavy topic, but Ralph doesn’t leave us hanging in despair. He offers a glimmer of hope and a clear path forward. Is Money Stress Crushing Your Faith? Remember, God meets us there. Read today's blog article Check out the full podcast episode here Ralph suggests practical steps to start shifting our mindset and finding peace amidst the chaos. This episode is both a wake-up call and a comforting embrace, reminding us that we’re not alone in this struggle and that with faith, we can break free from the chains of financial shame. Chapters: 00:21 - Understanding Financial Stress 01:37 - The Emotional Toll of Financial Shame 02:36 - The Impact of Financial Stress 03:51 - Building a Daily Spiritual Habit 05:55 - Finding Peace in Burdens 06:11 - Introduction to Budgeting and Planning Takeaways: Many of us have experienced the anxiety of money troubles, from grocery store checks to rent payments. Financial stress impacts not just your wallet but also your mind, relationships, and faith. God cares about your financial worries; you're invited to cast those burdens onto Him. Building a daily habit of prayer, even just two minutes can help ease financial anxiety. You don't have to pretend everything's okay; God knows your struggles and wants to help you. Take one financial burden today, write it down, and pray over it to find peace. LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST Please share our Podcast with all your friends and family! Submit your questions or ideas for future shows - email us at ralph@askralph.com or leave a voicemail message on our podcast page Leave A Voicemail Message Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances ! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon…

Ask Ralph - Christian Finance

1
Why Am I Still Broke? Uncovering The Hidden Root Causes 8:26

hace 10 días8:26

8:26

Today, we’re diving into the real reasons why so many of us find ourselves stuck in that paycheck-to-paycheck cycle, even if we're pulling in decent cash. It's not just about how much you make; it’s those sneaky habits and mindsets that keep us chained to financial stress. Together, we’ll explore how emotional spending and lifestyle creep can trip us up, and we'll share some practical tips to help you break free. So, grab your notepad, and let's get to work on answering the question, Why Am I Still Broke? Read today's blog article Check out the full podcast episode here Ever wonder why your paycheck disappears faster than you can say 'budget'? Ralph Estep Jr. is here to shed some light on the hidden habits that leave us broke despite making good money. It turns out that the path to financial freedom isn't just about how much cash flows into your wallet; it’s also about how you manage what you have. Ralph shares how emotional spending and lifestyle choices can lead to financial shame. We’re diving deep into the importance of distinguishing between needs and wants, along with practical steps to identify those patterns that keep us in a cycle of financial anxiety. Ralph encourages us to reflect on our spending behaviors and challenges us to make small yet impactful changes. Are you ready to take charge of your finances and step into a future free from shame? Let’s get to work! Chapters: 00:03 - Understanding Financial Struggles 01:36 - Understanding Financial Challenges: The Cycle of Lifestyle Creep 04:03 - Understanding Emotional Spending and Its Impact 06:07 - Understanding Needs vs. Wants 06:54 - Understanding Financial Needs and Wants Takeaways: Feeling stuck financially often has less to do with income and more with spending habits. We often confuse needs and wants, leading to unnecessary financial strain and anxiety. Identifying emotional spending patterns is crucial to breaking the cycle of financial shame. Creating a needs versus wants list can help clarify where your money is actually going. It's important to ask if purchases honor God's provision and align with your financial goals. Small changes in spending can lead to significant financial improvements over time. LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST Please share our Podcast with all your friends and family! Submit your questions or ideas for future shows - email us at ralph@askralph.com or leave a voicemail message on our podcast page Leave A Voicemail Message Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances ! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon…

Ask Ralph - Christian Finance

1
Why Does Living Paycheck to Paycheck Feel So Hard to Escape? 7:49

hace 11 días7:49

7:49

Feel like you're on a hamster wheel—working hard, getting paid, but always feeling broke right after? You're not alone! Today, we're diving into the illusion of financial stability that many of us cling to while living paycheck to paycheck. Ralph Estep Jr. is here to help us see that this cycle isn’t just exhausting; it's also a trap that keeps us from building a solid foundation for our future. We’ll talk about how recognizing this pattern is the first step towards freedom and how to take small, actionable steps to break free from financial anxiety. Does your financial situation feel hard to escape? Read today's blog article Check out the full podcast episode here In this heartfelt discussion, Ralph Estep Jr. tackles the heavy burden of financial shame and anxiety that many of us carry. Ralph emphasizes the importance of recognizing this cycle as a trap, not a stable way of living. He shares practical steps, like keeping a financial awareness journal, to help listeners understand their spending habits. This episode is not just about the numbers; it’s about restoring hope and peace of mind. Ralph reminds us that small changes can lead to significant improvements in our financial lives. As we journey together towards financial freedom, we’ll find that we’re not alone, and with God’s guidance, we can break free from the chains of financial anxiety. Join us for this enlightening conversation and take the first step towards a brighter financial future! Chapters: 00:03 - Stuck on a Treadmill 01:34 - Breaking Free from Financial Traps 03:00 - The Impact of Financial Stress on Well-Being 04:29 - Starting Fresh: The Path to Financial Awareness 04:35 - Tracking Your Expenses: A Journey to Financial Awareness 06:42 - Understanding the Cycle of Fear and Action Takeaways: Living paycheck to paycheck can create a false sense of security that keeps us stuck. Recognizing the cycle of financial stress is the first step towards breaking free from it. Tracking every expense for a week can uncover surprising insights about your spending habits. Small steps in financial awareness can lead to significant changes in your financial future. It's crucial to acknowledge that financial issues affect more than just our wallets; they affect our peace of mind. Prayer and seeking God's guidance can provide strength and clarity in our financial journey.…

Ask Ralph - Christian Finance

1
LIVE REPLAY: What are 11 Surprising Things the Bible Says About Wealth? 53:47

hace 12 días53:47

53:47

Ralph Estep Jr. and Dr. Craig Van Slyke dive into the world of biblical financial wisdom, tackling the heavy stuff like financial shame and anxiety. The main point? Wealth isn’t the enemy, but our relationship with money can seriously mess with our spiritual health. So, if you’ve ever felt weighed down by your wallet or anxious about your bank balance, you'll be interested to know what the Bible Says About Wealth! Read today's blog article Check out the full podcast episode here Ralph Estep Jr. and Dr. Craig Van Slyke dive into a thought-provoking discussion on biblical financial wisdom, addressing the often misunderstood relationship between wealth and spirituality. They challenge common perceptions, such as the belief that money is inherently evil or that wealth is a sign of divine favor. Instead, they explore 11 surprising truths from the Bible about wealth, emphasizing that money itself isn't the issue, but rather our attachment to it and how we choose to manage it. From the dangers of wealth to the blessings that it can bring when viewed through a faithful lens, the episode encourages listeners to reflect on their financial habits and consider how their faith influences their approach to money. Chapters: 00:02 - Understanding Biblical Perspectives on Money 04:07 - Exploring Biblical Wisdom on Wealth 14:12 - The Love of Money and Its Consequences 25:31 - The Test of Wealth and Generosity 28:50 - The Ripple Effect of Generosity 43:05 - The Illusion of Wealth and Contentment 53:02 - Closing Reflections and Next Steps Takeaways : Wealth can be dangerous to your spiritual health; it's a tool, not a master. God may bless you with wealth, but remember to recognize Him as the source. Contentment is better than wealth; peace and faith matter more than riches. The love of money can lead to all kinds of evil; check your motives and priorities. Resources Join Ralph's email list and get a free copy of “Mastering Your Finances” at https://askralph.com/ Craig's Podcast: Live Well and Flourish Craig's Podcast: Ai Goes to College LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST Please share our Podcast with all your friends and family! Submit your questions or ideas for future shows - email us at ralph@askralph.com or leave a voicemail message on our podcast page Leave A Voicemail Message Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances ! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon…

Ask Ralph - Christian Finance

1
Are You Struggling to Trust God with Your Finances? Find Peace and Purpose in His Plan 12:11

hace 13 días12:11

12:11

Are you tossing and turning at night, fretting over your finances? You’re not alone! Today, Ralph Estep Jr. dives into the heavy topic of trusting God with our money. He’s here to remind us that financial peace is possible, even when it feels like the bills are piling up! Ralph emphasizes that understanding God’s ownership of everything we have is the first step toward releasing that financial anxiety. So, if you’re ready to shift your perspective, find purpose in your finances, and take actionable steps rooted in faith, stick around and reflect on whether you've been able to Trust God with Your Finances Read today's blog article Check out the full podcast episode here In this episode of 'Ask Ralph,' financial evangelist Ralph Estep Jr. addresses the common struggle of trusting God with finances amidst economic uncertainties. Ralph emphasizes the importance of understanding that God owns everything, which shifts perspective from financial anxiety to trust in divine provision. He provides practical steps: prioritizing prayer, embracing tithing, and shifting one's mindset from worry to faith. Using biblical references and personal anecdotes, Ralph offers a foundation for financial peace by advocating for active stewardship and contentment with God's provision. Chapters: 00:28 - Finding Peace in Financial Turmoil 02:26 - Understanding God's Ownership of Finances 06:14 - Embracing Financial Faith 07:30 - Trusting God in Times of Financial Anxiety 09:30 - Finding True Peace and Contentment Takeaways: If you're tossing and turning at night worrying about money, you're not alone; let's tackle that together. Trusting God with your finances means recognizing that everything you have ultimately belongs to Him. Prayer and tithing are essential steps in building a solid financial foundation rooted in faith. Shifting your mindset from fear to trust can help you find peace with your finances. Contentment is key; it's not about how much you have but how much you trust God. Even if times are tough, remind yourself that God is always there to provide for you. LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST Please share our Podcast with all your friends and family! Submit your questions or ideas for future shows - email us at ralph@askralph.com or leave a voicemail message on our podcast page Leave A Voicemail Message Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances ! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon…

Ask Ralph - Christian Finance

1
Want to Stop Worrying About Money? Create a Plan That Gives You Freedom and Stability 15:52

hace 14 días15:52

15:52

Are you tired of that knot in your stomach every time you think about your finances? Trust me, you’re not alone! Today, we’re diving into how to stop worrying about money and start living with peace. We’ll explore creating a financial plan that aligns with your faith and helps you manage God’s blessings like a pro! Imagine stepping away from that paycheck-to-paycheck grind and finding true financial freedom. So, grab your headphones and tune in if you’re ready to swap anxiety for peace and Stop Worrying About Money Read today's blog article Check out the full podcast episode here Imagine living without the relentless stress of financial chaos. Ralph Estep Jr. expertly tackles the feelings of inadequacy that often accompany financial struggles in this episode. He recognizes that many of us feel trapped by debt and the pressures of living paycheck to paycheck. With relatable anecdotes and biblical wisdom, Ralph lays out a roadmap for breaking free from these chains. He discusses the importance of having a financial plan rooted in God’s principles, encouraging listeners to shift their mindset from one of scarcity to one of stewardship. With actionable tips on budgeting and prioritizing giving, this episode is a lifeline for anyone feeling overwhelmed by their finances. Join Ralph as he inspires us to take those first steps toward freedom and stability. Chapters: 00:17 - Creating a Financial Plan Aligned with Faith 03:22 - Understanding God's Word on Financial Worry 04:22 - Understanding Biblical Stewardship 09:36 - Saving with Purpose 12:22 - Starting Small: Overcoming Financial Overwhelm 14:07 - Exploring Trust in Financial Stewardship Takeaways: Financial anxiety can feel like a heavy weight, but there's a way to break free from that worry and gain peace. God wants us to live without financial worry, trusting Him as our ultimate provider and stewarding our resources wisely. Creating a financial plan rooted in biblical principles is essential for achieving freedom and stability in life. Living within your means is key to avoiding debt and allows you to plan for the future with confidence. Saving with a purpose helps prepare for unexpected expenses and allows for generosity in times of need. Start small, track your expenses, and take one step at a time towards financial freedom and stability. LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST Please share our Podcast with all your friends and family! Submit your questions or ideas for future shows - email us at ralph@askralph.com or leave a voicemail message on our podcast page Leave A Voicemail Message Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances ! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon…

Ask Ralph - Christian Finance

1
Tired of Living Paycheck to Paycheck? Let’s Build a Solid Foundation for Your Future. 12:41

hace 15 días12:41