Những podcast Ralph Christian hay nhất (2024)

1
Why is a wealth tax such a terrible idea? 23:31

18h ago23:31

23:31

Are you concerned about the potential impact of a wealth tax on your savings and financial future? Ralph dives deep into the complexities of this contentious issue, explaining how a wealth tax could adversely affect not just the ultra-wealthy but also middle-class families. He highlights the misconceptions perpetuated by mainstream media, emphasizi…

1
What are the 9 riskiest places to give your social security number? 22:49

2d ago22:49

22:49

Feeling uneasy when asked for your Social Security number is a valid concern, and today’s discussion highlights the nine riskiest places where you might be asked to provide it. From gym memberships to job applications and even medical offices, sharing this crucial piece of information can expose you to identity theft. Ralph shares personal anecdote…

1
How can I use my retirement account as an emergency ATM? 19:00

3d ago19:00

19:00

Are you feeling the financial squeeze and considering tapping into your retirement account to cover unexpected expenses? Ralph dives into the complexities of using retirement funds as an emergency ATM, exploring the potential pitfalls of penalties and taxes that could derail your financial future. He shares valuable insights and personal anecdotes,…

1
What are the top 5 things people do to stay wealthy? 25:33

4d ago25:33

25:33

Are you struggling to maintain your financial success while balancing your overall well-being? Today, Ralph dives into the top five key strategies that wealthy individuals use to not only grow their finances but also nurture their physical, mental, relational, and spiritual health. Through inspiring stories from clients like Tom, Lisa, John, Maria,…

1
What are some ways I can develop spiritual grit? 27:48

5d ago27:48

27:48

Are you feeling spiritually drained, especially when faced with life's challenges? This podcast dives into the concept of developing spiritual grit, a crucial element that can transform not only your spiritual journey but also your financial life. Host Ralph shares personal experiences and practical steps to cultivate resilience in your faith, emph…

1
What do I do if the bank closed my account? 27:17

6d ago27:17

27:17

What should you do if your bank unexpectedly closes your account? This episode dives into the financial nightmare many face when locked out of their own money, leaving them unable to pay bills and access funds. Ralph addresses a listener's urgent plea for help, providing practical steps to navigate this crisis and prevent future account closures. F…

1
What are the top 9 reasons why small businesses fail? 27:21

7d ago27:21

27:21

Are you a small business owner feeling overwhelmed by the challenges that come with running your own venture? You're not alone—many entrepreneurs face struggles that can lead to failure. This podcast dives into the top nine reasons why small businesses fail, from lack of market research to burnout, and offers valuable insights on how to avoid these…

1
Is it true that I can lose my passport if I don’t pay my taxes? 18:31

8d ago18:31

18:31

Are you worried about losing your passport due to unpaid taxes? This episode dives into the serious concern many face when financial obligations clash with their travel dreams. Host Ralph Estep Jr. addresses a listener's question about the IRS's power to revoke passports for tax delinquents, revealing that it’s indeed possible but not an automatic …

1
How can I buy a house with no income? 20:52

9d ago20:52

20:52

Are you dreaming of homeownership but feeling trapped by your financial situation? Ralph explores the reality that it is possible to buy a house without a steady income while also highlighting the critical pitfalls to avoid. He shares a cautionary tale about a client named John, whose decision to liquidate his 401K to purchase a home led to an $80,…

1
What is meant by surveillance pricing and does it cost us more? 21:33

10d ago21:33

21:33

Surveillance pricing is a creeping reality in today's digital economy, impacting how much you pay for everyday products. As Ralph explores the unsettling practice of dynamic, personalized pricing, he reveals how companies use your online behavior and data to determine what price to charge you. This can lead to significant disparities in pricing for…

1
What happens if I outlive my life insurance? 20:47

11d ago20:47

20:47

Worried about outliving your life insurance? You're not alone, as many people share the same concern about financial security for their loved ones after their policy expires. Ralph Estep Jr. addresses these worries head-on by exploring what happens when a life insurance policy runs out and offers practical strategies to ensure your family's financi…

1
How can I use faith to rebuild my daily motivation? 15:23

12d ago15:23

15:23

Are you feeling stuck in your financial journey and struggling to find motivation? Ralph shares his personal story of how faith can reignite that spark and drive you toward achieving your goals. He addresses a heartfelt listener message from Alison, a small business owner torn between her entrepreneurial ambitions and spiritual growth. Through rela…

1
BONUS EPISODE - ASK RALPH SHOW LIVE FROM OCTOBER 15, 2024 44:35

13d ago44:35

44:35

Join Ralph in this engaging episode of the Ask Ralph podcast, where he tackles the critical question of how long to keep personal and business records, revealing that the IRS recommends retaining them for seven years. As he shares his extensive expertise, Ralph emphasizes the importance of understanding tax implications, especially for small busine…

1
What are the 7 insurance options to consider to protect your retirement – a discussion all about supplemental insurance? 17:24

13d ago17:24

17:24

Are you worried about unexpected medical bills that Medicare might not cover? Ralph Estep Jr. dives into the world of Medicare supplemental insurance, explaining how these policies can protect your hard-earned savings from potentially overwhelming healthcare costs. With real-life stories, he illustrates the stark difference between those who opted …

1
How much money do I need to have saved to cover health care costs in retirement? 22:32

14d ago22:32

22:32

Are you worried about the staggering healthcare costs in retirement? Ralph dives into the critical question of how much money you really need to save for medical expenses as you age, highlighting that the average couple retiring in 2023 should expect to spend around $315,000 on healthcare. With many retirees facing financial ruin due to unexpected …

1
What is the rule of 55 and how can I use it to reduce my taxes? 15:58

15d ago15:58

15:58

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…

1
Should I purchase special medical insurance when I travel abroad? 16:53

16d ago16:53

16:53

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…

1
What are some of the best online deals banks offer for opening a new account? 17:01

17d ago17:01

17:01

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…

1
What are the 5 most common places retirees spend their money in retirement? 17:39

18d ago17:39

17:39

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,…

1
How do I effectively embrace God's gift of rest? 14:31

19d ago14:31

14:31

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 …

1
What are the differences between a revocable and irrevocable trust? 16:53

20d ago16:53

16:53

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 …

1
What are 9 signs that show that I am financially secure? 26:10

21d ago26:10

26:10

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 …

1
Why states with no income tax aren’t as affordable as they may seem? 16:01

22d ago16:01

16:01

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…

1
How do I handle lending money to friends and family and what are the tax issues related to making those loans? 15:20

23d ago15:20

15:20

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 …

1
What are 7 ways my bank can help me stick to my budget? 17:11

24d ago17:11

17:11

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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Podcast Ralph Christian

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1
Ask Ralph - Christian Finance

Ralph V. Estep, Jr.

1
Why is a wealth tax such a terrible idea? 23:31

1
What are the 9 riskiest places to give your social security number? 22:49

1
How can I use my retirement account as an emergency ATM? 19:00

1
What are the top 5 things people do to stay wealthy? 25:33

1
What are some ways I can develop spiritual grit? 27:48

1
What do I do if the bank closed my account? 27:17

1
What are the top 9 reasons why small businesses fail? 27:21

1
Is it true that I can lose my passport if I don’t pay my taxes? 18:31

1
How can I buy a house with no income? 20:52

1
What is meant by surveillance pricing and does it cost us more? 21:33

1
What happens if I outlive my life insurance? 20:47

1
How can I use faith to rebuild my daily motivation? 15:23

1
BONUS EPISODE - ASK RALPH SHOW LIVE FROM OCTOBER 15, 2024 44:35

1
What are the 7 insurance options to consider to protect your retirement – a discussion all about supplemental insurance? 17:24

1
How much money do I need to have saved to cover health care costs in retirement? 22:32

1
What is the rule of 55 and how can I use it to reduce my taxes? 15:58

1
Should I purchase special medical insurance when I travel abroad? 16:53

1
What are some of the best online deals banks offer for opening a new account? 17:01

1
What are the 5 most common places retirees spend their money in retirement? 17:39

1
How do I effectively embrace God's gift of rest? 14:31

1
What are the differences between a revocable and irrevocable trust? 16:53

1
What are 9 signs that show that I am financially secure? 26:10

1
Why states with no income tax aren’t as affordable as they may seem? 16:01

1
How do I handle lending money to friends and family and what are the tax issues related to making those loans? 15:20

1
What are 7 ways my bank can help me stick to my budget? 17:11

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