Financially Confident Christian

Ralph Estep, Jr. discusses the best tax breaks for seniors in today's episode of the Ask Ralph show. He highlights tax-saving opportunities such as the extra standard deduction for seniors over 65, spousal IRA contributions, qualified charitable distributions (QCDs), and the Medicare premium deduction. Ralph also suggests exploring state-specific senior tax benefits, downsizing homes to take advan...

In this episode of the Ask Ralph show, host Ralph Estep, Jr. discusses the important topic of self-employment tax. He explains that self-employment tax is what individuals who work for themselves must pay on their income, including both employer and employee portions of Social Security and Medicare taxes. Ralph provides a step-by-step guide on how to calculate self-employment tax and then explores...

Ralph Estep, Jr. discusses IRS related identity theft in today's episode of the Ask Ralph show. He emphasizes the importance of responding promptly if the IRS contacts you regarding suspected identity theft and provides steps to take, including contacting the IRS directly and completing Form 14039 - Identity Theft Affidavit. Ralph also highlights the need to protect personal information, monitor c...

Looking for a mortgage? Looking for the best rates? Join Ralph Estep, Jr., as he interviews mortgage expert Jason Bockniak. A great discussion about the mortgage market and the overall economy. Jason dives deep into historical trends and points out some concerning signs he sees in overall economic trends and how that may impact the rates on mortgages. This is a much listen to episode if you are in...

It's a tough choice - When should I take my social security? Let Ralph Estep, Jr., share with you some concrete ideas about the right age to select to take your benefits and the potential pitfalls of making the wrong decision for your specific situation. LISTEN NOW Please share our Podcast will all your friends and family! Submit your questions or ideas for future shows - email us at ralph@askralp...

No more taxes on Social Security! Join Ralph Estep, Jr., as he explores the lawsuit which could significantly disrupt the US tax system. As we eagerly await a US Supreme Court decision, listen as Ralph explores the Moore case and how it may impact your taxes and entire US tax system. LISTEN NOW Please share our Podcast will all your friends and family! Submit your questions or ideas for future sho...

What is the real reason for the season? Join Ralph Estep, Jr., as he shares a special Christmas message about joy, hope and love during the holiday season. All of us at the Ask Ralph podcast wish you a very Merry Christmas and a joyous New Year! Mentioned in this episode: Post roll for Book Becoming

Have you ruined your credit score? Many of us have faced the issue of a low credit score that has impacted our ability to borrow, but don't be discouraged. Join Ralph Estep, Jr., and he explains how credit scores are determined, but more importantly how to fix your credit score. LISTEN NOW Please share our Podcast will all your friends and family! Submit your questions or ideas for future shows -...

Money advice that works, but most people don't want to hear because it takes work to turn these ideas into action. Join Ralph Estep, Jr., as he highlights the four pieces of money advice which will absolutely transform your financial present and provide for a bright financial future.  LISTEN NOW Please share our Podcast will all your friends and family! Submit your questions or ideas for future sh...

Don't make the costly mistake of characterizing someone as an independent contractor when they are really an employee. Ralph Estep, Jr., explores the details related to the process of determining the correct status of workers. Avoid significant penalties and sanctions by listening to this vital podcast. LISTEN NOW Please share our Podcast will all your friends and family! Submit your questions or...

If you are self-employed or a contract worker you need to listen to today's podcast where Ralph Estep, Jr., explores important tax tips to improve your tax situation. From accurate record keeping to entity considerations, Ralph dives into great ideas for significant tax savings. LISTEN NOW Please share our Podcast will all your friends and family! Submit your questions or ideas for future shows -...

Concrete tax tips and valuable discussion for those working as barbers and in the cosmetology industry. From accounting for tips to using cash apps, Ralph Estep, Jr., dives into beneficial tax assistance strategies.  LISTEN NOW Please share our Podcast will 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...

Now is the time to find a new Accountant if you are looking to make a change. As we make our New Year's resolutions - now is a great time to resolve to get your books in order. Ralph Estep, Jr., explores why to select a new accountant and what to look for in a new relationship. LISTEN NOW Please share our Podcast will all your friends and family! Submit your questions or ideas for future shows - e...

People tend to panic when they owe the IRS, but Ralph Estep, Jr., provides the best way to reduce the stress and the remove the fear of the process. It's not something to ignore or put-off and there are steps which everyone should take when they find themselves owing the IRS. LISTEN NOW Please share our Podcast will all your friends and family! Submit your questions or ideas for future shows - ema...

Payroll may be a daunting task and if you make mistakes there are significant penalties for not handling payroll correctly. Ralph Estep, Jr., explores why selecting an accountant to handle payroll is so important and explores some of the problems created when errors are made in payroll processing.  Submit your questions or ideas for future shows - email us at ralph@askralph.com or leave a voicemai...

Join Ralph Estep, Jr., on today's Ask Ralph Show as he demystifyies business valuations. Ralph explores what is meant by a business valuation, why they are important and how the process works.  Mentioned in this episode: Post roll for Book Becoming

Join Ralph Estep, Jr., on today's show as Ralph explores the best year-end tasks to perform when using QuickBooks online to ensure you are ready for tax preparation. Ralph shares specific actions that all businesses should take at year-end. Mentioned in this episode: Post roll for Book Becoming

Join Ralph Estep, Jr., on today's Ask Ralph show as he discussed some crazy tax deductions which are available to content creators. If you work as a content creator this is a must hear podcast. Mentioned in this episode: Post roll for Book Becoming

Join Ralph Estep, Jr., on today's Ask Ralph Show as he answers the question - Should I Pay Off My Mortgage With Retirement Funds? Ralph explores the potential consequences as well as tax costs of such a move.  Mentioned in this episode: Post roll for Book Becoming

Join Ralph Estep, Jr., on today's show as we explores Second Mortgages. Ralph has a discussion about the types of second mortgages as well as the application process. He also delves into the pros and cons of these loans. Mentioned in this episode: Post roll for Book Becoming

Join Ralph Estep, Jr., on today's show as we discusses what to look for when selecting an accountant to handle your taxes and why choosing a licensed accountant is a better option that a simple tax preparer or online software.  Mentioned in this episode: Post roll for Book Becoming

Join Ralph Estep, Jr., on today's podcast as he explores the impact of the New Delaware Paid Leave Program and how it will affect all Delaware businesses with more than 10 employees. Ralph discuss the goals of the program as well as the impact on Delaware employers. Mentioned in this episode: Post roll for Book Becoming

Join Ralph Estep Jr., on today's show as he discusses some Biden Administration updates to the laws related to including student loan debt in bankruptcy. Ralph discusses the new details related to these updated rules. Mentioned in this episode: Post roll for Book Becoming

Join Ralph Estep, Jr., on today's podcast as he explores some very efficient retirement savings for Gig workers and the self-employed. These are some great opportunities for retirement savings. Mentioned in this episode: Post roll for Book Becoming

Join Ralph Estep Jr., on today's podcast as he provides some efficient ways to boost charitable giving and get some fantastic year-end tax savings.  Mentioned in this episode: Post roll for Book Becoming