Ask Ralph - Christian Finance

Ever wondered how to bring up pension income when dating later in life? In this episode of the Ask Ralph Show, "How Can I Discuss Pension Income During the Dating Process?", Ralph Estep Jr. provides practical tips on when and how to introduce the topic of pension income in new relationships. Tune in to learn how to approach this important conversation and build trust along the way. How to Discuss Pension Income in a New Relationship? With Ralph Estep Jr.

In this episode of the Ask Ralph Show, host Ralph Estep Jr. explores the delicate topic of discussing pension income while dating. He shares strategies for introducing financial topics naturally and respectfully, drawing from real-life examples like his client Jeff. Ralph addresses how to use humor, future plans, and current events to make these conversations feel less awkward. He also provides actionable tips for building trust and transparency with a new partner. Whether you're new to dating or returning after a significant life change, Ralph's insights will help you approach financial discussions with confidence and ease.

https://www.askralphpodcast.com/effectively-as-a-couple/ (RELATIONSHIP EXPERT)

https://www.askralphpodcast.com/discuss-pension-income/

What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/ 

Podcast Shownotes:

00:00 Episode Overview

01:16 Listener’s Question

2:19 Bible Verse

3:03 Real-Life Story: Jeff Navigates Pension Conversations

06:12 Creative Ways to Bring Up Pension Income - #1 The "Future Plans" Approach

06:37 #2 The "Volunteer Work" Angle

07:03 #3 The "Funny Story" Tactic

07:26 #4 The "Current Events" Discussion

07:40 #5 The "Grandkid's College Fund" 

10:29 Key Takeaways from Jeff’s Experience #1 Timing is Everything

10:47 #2 Use Natural Openings

11:04 #3 Be Honest and Transparent

11:40 #4 Sense of Humor When Appropriate

12:12 #5 Focus on Shared Values

12:38 #6 Financial Compatibility is an Important Aspect of a Relationship

13:39 Conclusion

Join our email list and get a free copy of “Mastering Your Finances” at https://askralph.com/

Schedule an Appointment with Saggio Management Group, Inc.

https://app.acuityscheduling.com/schedule/fabfb9f2/appointment/8258839/calendar/2141336?appointmentTypeIds[]=8258839

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

Please share our Podcast with all your friends and family!

Submit your questions or ideas for future shows - email us at 

[email protected] 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

Are you receiving calls from debt collectors and wondering if they’re legitimate? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr., where he exposes the top 7 debt collection scams and provides practical advice on how to avoid falling victim to them. What Are the Top 7 Debt Collection Scams to Avoid? With Ralph Estep Jr.

In this episode of the Ask Ralph Show, Ralph Estep Jr. delves into the most common debt collection scams targeting individuals today. He answers a listener’s question about how to spot fake debt collectors and offers seven key red flags to look out for. Using real-life stories, Ralph emphasizes the importance of vigilance and provides actionable steps to protect yourself from these scams.

https://www.askralphpodcast.com/debt-collections-scams/

What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/ 

Podcast Shownotes:

00:00 Episode Overview

01:05 Listener's Question

02:08 Bible Verse

03:02 Story of Ralph’s Client - Sally

05:30 Top 7 Debt Collection Scams to Avoid

06:12: #1 Phantom Debt Scam

06:47 #2 Immediate Payment Demand

07:21 #3 Threat of Arrest

07:56 #4 Odd Payment Method Request

08:58 #5 Identity Theft Setup

10:18 #6 Robocall Debt Collection Call

11:01 #7 Fake Government Agency

12:39 Actionable Steps to Protect Yourself from Debt Scams

12:42 #1 Always Ask for Written Validation of the Debt

13:13 #2 Don’t Give Out Personal Information Over the Phone

13:36 #3 Contact the Original Creditor to Verify

14:03 #4 Never Pay a Debt Using Gift Cards

14:32 #5 Hang Up the Phone

15:58 #6 Register Your Phone Number with the National Do Not Call Registry

16:15: #7 Report to the Federal Trade Commission & State’s Attorney General Office

17:03 Conclusion

Join our email list and get a free copy of “Mastering Your Finances” at https://askralph.com/

Schedule Appointment with Saggio Management Group, Inc. https://app.acuityscheduling.com/schedule/fabfb9f2/appointment/8258839/calendar/2141336?appointmentTypeIds[]=8258839

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

Please share our Podcast with all your friends and family!

Submit your questions or ideas for future shows - email us at 

[email protected] 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

Are you making dangerous mistakes with your credit card? In this episode of The Ask Ralph Podcast, host Ralph Estep Jr. uncovers the most common credit card blunders that lead to overwhelming debt. Ralph draws from personal stories, including the case of Barry, a client drowning in $50,000 of credit card debt, to explain how quickly these financial missteps can spiral out of control. Ralph provides actionable advice to help listeners avoid the same traps and build healthier credit habits. Breaking the Cycle of Credit Card Mistakes and exploring what I should never do with my credit card with Ralph Estep Jr.

In this episode of The Ask Ralph Podcast, Ralph delves into the costly mistakes many people make with their credit cards and how to break free from the debt cycle. From relying on cash advances to juggling multiple cards, Ralph shares valuable insights and actionable advice to help listeners avoid these pitfalls. With real-life examples, faith-based guidance, and intelligent financial strategies, Ralph empowers you to take control of your credit and build a secure financial future.

https://www.askralphpodcast.com/with-my-credit-card/

https://www.askralphpodcast.com/using-your-debit-card/

https://www.askralphpodcast.com/deferred-interest-loans-dont-get-pinched/

What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/

Podcast Shownotes:

00:00 Episode Overview

01:22 Listener's Question

02:42 Bible Verse 

03:49 Story of Ralph’s Client - Barry

05:41 10 Mistakes to Avoid with Your Credit Card - #1 Never Use Credit Card for Cash Advances

06:23: #2 Don’t Make Only the Minimum Payments

07:13 #3 Avoid Maxing Out Your Credit Cards

08:09 #4 Never Use One Credit Card to Pay Off Another

08:59 #5 Don’t Use Your Credit Card for Everyday Purchases You Can’t Afford

10:16 #6 Avoid Making Large Purchases Without A Repayment Plan

12:29 #7 Never Miss a Payment

13:25 #8 Don’t Ignore Your Credit Card Statements

14:35 #9 Avoid Applying for Multiple Cards in a Short Period of Time

15:15 #10 Never Use Your Credit Card for Gambling or Speculative Investments

20:04 Current Landscape of Credit Card Use

21:16 Tips on How to Avoid Pitfalls of Credit Card Misuse - #1 Create a Budget and Stick to It

21:36 - #2 Use Cash or Debit Card for Everyday Purchases

21:58 - #3 Pay the Full Balance Each Month

22:06 - #4 Set Up Automatic Payments

22:15 - #5 Review Credit Card Statements for Errors and Fraudulent Charges

22:21 - #6 Seek Help from a Financial Advisor

25:24 - Outro

Join our email list and get a free copy of "Mastering Your Finances" at https://askralph.com/

Schedule Appointment with Saggio Management Group, Inc.

https://app.acuityscheduling.com/schedule/fabfb9f2/appointment/8258839/calendar/2141336?appointmentTypeIds[]=8258839

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

Please share our Podcast with all your friends and family!

Submit your questions or ideas for future shows - email us at 

[email protected] 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

Have you ever felt stuck in a rut, struggling to find joy in your daily routine? In this episode of the Ask Ralph Podcast, host Ralph dives into the art of finding fulfillment in the mundane. Ralph shares practical strategies to help you rediscover joy and purpose in everyday tasks.

In this episode of The Ask Ralph Podcast, Ralph explores the often-overlooked aspects of daily life that can bring genuine happiness and satisfaction. He provides actionable advice on turning routine tasks into meaningful experiences, including tips for setting intentional goals, practicing mindfulness, and embracing gratitude. Ralph also shares personal anecdotes and insights on maintaining a positive mindset throughout daily chores and responsibilities.

https://www.askralphpodcast.com/joy-in-the-mundane/

00:00 Episode Overview

01:02 Listener's Question

03:08 Bible Verse

05:11 Personal Story of Finding Purpose

08:35 Practical Steps to Rediscover Joy

12:21 Creative Approaches and Mindfulness

15:02 Connecting Daily Life to Faith

17:00 Outro 

Join our email list and get a free copy of “Mastering Your Finances” at https://askralph.com/

Schedule Appointment with Saggio Management Group, Inc. https://app.acuityscheduling.com/schedule/fabfb9f2/appointment/8258839/calendar/2141336?appointmentTypeIds[]=8258839

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

Please share our Podcast with all your friends and family!

Submit your questions or ideas for future shows - email us at 

[email protected] 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

How do you truly live out your Christian faith through your finances? Are you trusting God with your financial decisions, or are fear and control driving your choices? In this episode of the Ask Ralph Show, Ralph Estep Jr. and guest Paul Granger dive into the intersection of faith and finances, offering insights on how to balance spending, saving, and giving in a way that honors God's provision. Tune in to discover how aligning your finances with your faith can lead to deeper trust and true financial freedom.

In this episode of the Ask Ralph show, host Ralph Estep Jr. discusses how to live out one's Christian faith through financial decisions. He revisits an interview with Paul Granger, highlighting radical life choices made to follow God's calling. The show opens with a listener's question from Caroline about balancing spending, saving, and generosity according to Christian values. The episode features insights from Paul Granger's experience, stressing that financial security relies on trusting God's provision and practicing radical generosity. The conversation further delves into Ralph's personal stories of faith-driven financial choices, underlining that everything we have is entrusted to us by God.

https://www.askralphpodcast.com/faith-through-my-finances/

00:00 Episode Overview

00:38 Listener’s Question

01:34 Bible Verse

02:00 Interview with Paul Granger

02:20 Paul's Journey

04:24 The Gift of Salvation

11:36 Faith and Finance

17:29 The Struggle of Financial Fear Among Believers

22:23 Living in an Unconventional Way

31:43 A Miraculous Reconciliation

32:33 The Challenge of Loving Like Christ

33:20 God's Unexpected Provisions

37:47 Broadening Our Perspective

40:42 Experiencing Life Beyond Our Comfort Zone

45:03 The Paradigm Shift in Christian Finance

53:56 The Importance of Community and Accountability

57:20 Final Thoughts

Paul’s Website

Schedule Appointment with Saggio Management Group, Inc. https://app.acuityscheduling.com/schedule/fabfb9f2/appointment/8258839/calendar/2141336?appointmentTypeIds[]=8258839

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

Please share our Podcast with all your friends and family!

Submit your questions or ideas for future shows - email us at 

[email protected] 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

Feeling unsure about how credit scores impact retirement? Wondering if maintaining a good credit score still matters once you've stopped working? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr. as he explains why a solid credit score remains important, even during retirement. Why Does a Good Credit Score Matter Even in Retirement?

In this episode of the Ask Ralph Show, host Ralph Estep, Jr. breaks down the importance of maintaining a good credit score in retirement. Many assume that credit scores become irrelevant after you stop working, but Ralph explains how your credit can still affect your financial decisions. From qualifying for loans, obtaining better insurance rates, or renting a home, Ralph emphasizes how a good credit score offers retirees flexibility and financial stability. He also provides actionable tips for keeping your credit score healthy, even after you’ve stopped working.

https://www.askralphpodcast.com/even-in-retirement/

Timestamps

00:00 Episode Overview

01:00 Listener’s Question

02:51 Bible Verse

03:45 Stories of Ralph’s Clients: Tom & Jerry

09:30 Impact of Credit Scores on Retirees

10:22 Key Steps to Improve Your Credit in Retirement

12:51 Wrap Up 

Schedule an Appointment with Saggio Management Group, Inc.

https://app.acuityscheduling.com/schedule/fabfb9f2/appointment/8258839/calendar/2141336?appointmentTypeIds[]=8258839

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

Please share our Podcast with all your friends and family!

Submit your questions or ideas for future shows - email us at 

[email protected] 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

Have you ever wondered how to ensure your loved ones don’t face a heavy tax burden when they inherit your IRA? In this episode, host Ralph Estep Jr. shares key strategies to ease the financial strain on your heirs. Inspired by a listener question from Kathy, Ralph dives into practical solutions that can help you manage the complexities of inheritance tax planning and safeguard your legacy for future generations. What Steps Can You Take to Reduce Inheritance Taxes for Your Heirs? With Ralph Estep, Jr.

In this episode, Ralph explores various strategies to lower the tax burden on your heirs when they inherit an IRA. From Roth conversions to life insurance funding and charitable remainder trusts, he explains how these approaches can help ensure that your heirs benefit from your legacy without being overwhelmed by taxes. Ralph also uses real-life examples to illustrate how you can effectively pass down your wealth.

00:00 Episode Overview

01:03 - Listener’s Questions

02:56 Bible Verse

04:02 - Real-Life Example: Victor’s Inheritance Story

07:31 Strategy 1 - Roth Conversions Explained

08:00 Strategy 2 - Life Insurance to Cover Taxes

08:23 Strategy 3 - Using a Charitable Remainder Trust

08:50 Strategy 4 - Spend Down Your IRA

09:14 Strategy 5 - Split Over Multiple Beneficiaries

09:59 Strategy 6 Educating Your Heirs

11:59 Step-by-Step Guide to Solving Kathy's Problem

13:17 Recap

Join our email list and get a free copy of “Mastering Your Finances” at https://askralph.com/

Schedule Appointment with Saggio Management Group, Inc. https://app.acuityscheduling.com/schedule/fabfb9f2/appointment/8258839/calendar/2141336?appointmentTypeIds[]=8258839

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

Please share our Podcast with all your friends and family!

Submit your questions or ideas for future shows - email us at 

[email protected] 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

Worried about how your debts will be handled after you pass away? Unsure what this means for your estate and loved ones? Tune in to Episode 262 of the Ask Ralph Show with Ralph Estep Jr. as he explores the crucial topic of debt management after death.

In this episode of the Ask Ralph Show, host Ralph Estep Jr. addresses the important issue of how your debts are managed once you are gone. He provides essential information on the process of handling debts post-mortem and explains the implications for your estate and loved ones. Ralph offers valuable guidance on debt and estate planning to help you navigate these complex issues and ensure your family’s financial future is protected.

https://www.askralphpodcast.com/debts-after-you-die/

[00:00] - Introduction- The Reality of Debts After Death

[01:19] - Listener’s Question: Blake’s Concern

[03:24] - Bible Verse

[04:06] - Bruce’s Story

[06:07] - Understanding Debts After Death: Key Insights

[08:08] - Bruce's Financial Resolution

[09:16] - Actionable Steps to Prevent Burdening Family

[12:10] - The Importance of Estate Planning

[13:36] - Recap and Final Thoughts 

Schedule Appointment with Saggio Management Group, Inc. https://app.acuityscheduling.com/schedule/fabfb9f2/appointment/8258839/calendar/2141336?appointmentTypeIds[]=8258839

Feeling unsure about the relevance of writing checks in a digital world? Wondering if they’re still a valuable tool for managing finances? Tune in to Episode 261 of the Ask Ralph Show with Ralph Estep Jr. as he uncovers why writing checks can still be an important financial practice. Why Should You Still Write Checks? With Ralph Estep Jr.

In this episode of the Ask Ralph Show, host Ralph Estep Jr. addresses the question of why writing checks remains a relevant and effective financial practice. He outlines nine compelling reasons why checks are still valuable, drawing on real client experiences and practical advice. Ralph highlights how checks can complement modern financial methods and provides actionable tips for integrating them into your financial routine. Whether you're re-evaluating the role of checks or seeking better ways to manage your finances, this episode offers essential insights and guidance.

00:00 - Introduction: Why Write Checks in 2024?

01:17 - Listener's Question

03:01 - Bible Verse

04:09 - Stories of Ralph's Clients - Sammy & Benny

07:24 - Nine Reasons to Still Write Checks

10:42 - Actionable Tips for Financial Record-Keeping

12:10 - Conclusion: Balancing Old and New Financial Practices

https://www.askralphpodcast.com/still-write-a-check/

Schedule Appointment with Saggio Management Group, Inc.:

Book your appointment here

https://app.acuityscheduling.com/schedule/fabfb9f2/appointment/8258839/calendar/2141336?appointmentTypeIds[]=8258839

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

Please share our Podcast with all your friends and family!

Submit your questions or ideas for future shows - email us at 

[email protected] 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

Struggling to manage finances with your partner? Unsure how to align your financial goals and tackle money-related conflicts? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr. and financial expert Karen Hackman as they share their insights on effective financial management for couples. What Are the Best Strategies for Couples to Handle Their Finances Together? With Ralph Estep Jr. and Karen Hackman

In this episode, Ralph and Karen dive into key strategies for couples to manage their finances harmoniously. They explore how to align financial goals, address and resolve money-related conflicts, and create a unified financial plan. Karen and Ralph offer practical tips and actionable advice to help couples overcome common financial disagreements and build a stronger financial partnership. Through personal anecdotes and expert insights, this episode provides essential guidance for couples seeking to enhance their financial relationship.

00:00 Episode Overview

01:05 Listener’s Question

02:49 Bible Verse

03:32 Karen Hackman’s Personal Experience of Financial Struggles in Her Marriage

05:47 Advice for Newlyweds or Engaged Couples to Get on the Same Financial Footing Before Marriage.

07:11 Discussion on Whether the Wife or Husband Should Manage The Household Finances

08:48 Strategies for Getting the Reluctant Spouse to Open Up About Finances

10:28 How Karen Helps Couples Create a Budget or "Intentional Spending Plan" 

13:35 Addressing differences in income between spouses

16:22 Advice for newlywed couples on the top financial steps to take

18:01 Discussing when the right time is to have children from a financial perspective.

20:26 Adapting the financial plan as life circumstances change

21:19 Karen's coaching program "Get on the Same Financial Page as Your Spouse"

24:47 Integrating faith and tithing into financial planning

33:36 Strategies for encouraging increased charitable giving

34:54 Karen's contact information and ways for listeners to connect

https://money-and-marriage.ck.page/91cb5000c8 (Intentional Spending Plan)

https://moneyandmarriage.net/ (Reach Karen Hackman)

https://www.askralphpodcast.com/effectively-as-a-couple/

Schedule Appointment with Saggio Management Group, Inc. https://app.acuityscheduling.com/schedule/fabfb9f2/appointment/8258839/calendar/2141336?appointmentTypeIds[]=825883

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

Please share our Podcast with all your friends and family!

Submit your questions or ideas for future shows - email us at 

[email protected] 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