Financially Confident Christian

Join Ralph Estep, Jr., as he explores some great year-end tax planning strategies. Ralph will give some great ideas for taxpayers to reduce or limit their tax liability. Mentioned in this episode: Post roll for Book Becoming

Join Ralph Estep, Jr., on the podcast where he explorers the importance of supporting small businesses. Ralph discusses the critical aspects of how small business is a life-line to our economy and the communities where they operate. Mentioned in this episode: Post roll for Book Becoming

Join Ralph Estep, Jr., on today's podcast as he explores the Back Door Roth IRA. Ralph explains what it is and how may benefit from it. Don't miss today's episode and the potential tax benefits of the Back Door IRA. Mentioned in this episode: Post roll for Book Becoming

Join Ralph Estep Jr, today as he explores the potential reasons you may owe taxes for 2023. Ralph reviews some potential situations which could lead to a dreaded tax bill and how to prepare for tax filing. Mentioned in this episode: Post roll for Book Becoming

Join Ralph Estep Jr., on today's show as he explores some changes to the form 1099-K and explains how this not only a business issue, but will affect anyone who uses cash apps or other exchange platforms. Ralph explains the newest IRS press release and prepares listeners to it's implementation. Mentioned in this episode: Post roll for Book Becoming

Join Ralph Estep, Jr., as he wraps up his three part series on Nine Common Things That People Avoid Because of Cost and Some Great Money Saving Alternatives. Ralph explores the final areas where listener will save money and contine to enjoy their lives. Mentioned in this episode: Post roll for Book Becoming

Join Ralph Estep, Jr., as he continues his three part series on great money saving alternatives that allow you t continue enjoy life and do the things you thought you could no longer afford to do. Ralpj gives practical ideas to save money and still enjoy your life. Mentioned in this episode: Post roll for Book Becoming

Join Ralph Estep Jr., as he launches Part 1 of a three part series on the  Nine Common Things That People Avoid Because of Cost and Some Great Money Saving Alternatives. Ralph explores money saving options to allow you to continue to enjoy the things which you thought might have become too expensive. Mentioned in this episode: Post roll for Book Becoming

Join Ralph Estep, Jr, on today's podcast as Ralph explores 10 Ways to Save Money During the Holiday Season. Ralph provides some very practical advice about how to have a stress-free and hopefully debt-free holiday season. Mentioned in this episode: Post roll for Book Becoming

Join Ralph Estep, Jr., on today's podcast as he explores the consequences of ignoring your credit score. Ralph offers practical advice on how to improve your credit score and explores the costs of not honoring your credit. Mentioned in this episode: Post roll for Book Becoming

Join Ralph Estep Jr., on today's podcast as he explores the financial impact of putting a loved one in a nursing home. Ralph explores the difficult financial decisions which may need to be made during this highly emotional time and details the financial impact of these often overlooked impacts. Mentioned in this episode: Post roll for Book Becoming

Join Ralph Estep, Jr., on today's podcast as he explores the Top 10 Year End Business Tax Savings Ideas. If you are a business owner, Ralph will share critical steps you may be able to take at year-end to save on your taxes.  Mentioned in this episode: Post roll for Book Becoming

Join Ralph Estep, Jr., on today's podcast as he reviews some listener submitted questions about personal finance. Ralph provides powerful information about budgeting, saving and retirement planning. Mentioned in this episode: Post roll for Book Becoming

The Ask Ralph podcast relaunch. Join Ralph Estep, Jr., as he welcomes everyone back the podcast. During this show Ralph takes listener questions about personal finances. Ralph explores business year-end tax savings strategies and finally Ralph has a frank discussion about the financial impact of nursing or skilled care for a loved one. Join Ralph as he makes the complex simple with practical advic...

The Ask Ralph podcast is coming back! We are working on some great new content. Mentioned in this episode: Post roll for Book Becoming

A recent study taken by American workers found that only 11% of the respondents were able to complete all of their given tasks within the workday. A startling statistic, but one that rings understandable to most of us. On today's show, Ralph outlines some strategies for reducing delay, procrastination and time-wasting at work that you can take with you through life. Submit your questions or ideas...

The American tax system operates on a "pay as you go" basis, meaning, the IRS wants taxes paid as you earn your income, not after. For employees, this means payroll withholding. For retirees, this means opting for withholding on Social Security and retirement distributions. For the self-employed or operator outside of normal withholding system, this can mean making estimated tax payments throughou...

When filing a joint federal tax return, the law holds you and your spouse jointly responsible for the entire tax liability. What this means is that the IRS may collect the tax due from the both of you or either one of you, and is true regardless of future divorce or separation. In some instances, you can file for what is referred to as innocent spouse relief with the IRS. On today's show, Ralph di...

Ever wonder how you and your household compares with spending to the average American? We all know what the biggest expenses, i.e. housing, groceries, utilities and health insurance. But variations in these core expenses and a wide range of others varying based on your location, age and other demographic groups. On today's show, Ralph talks spending and how average Americans push their pennies! Su...

As Tax Day inches closer and closer, it can be tempting to rush through your tax returns while preparing, but we urge you, that could be a bad idea. Rushing tends to result in mistakes, over justifications, lapses and a wide array of errors that can slow the processing of your tax return, resulting in delayed tax refunds or worse, a second glance from the IRS. On today's show, Ralph outlines 4 fou...

Are your personal finances a highly-organized, well-oiled machine? Or is there a lot of room for improvement? The answer to that question is more important than you might think, especially during tax time. Most people anxiously await a big check from Uncle Sam in April, but it turns out a giant tax refund might not be so great after all. On today's show, Ralph discusses the pros and cons towards g...

More than 50% of taxpayers hire a professional to prepare their taxes. With that being said, hiring a profession doe not absolve you of your legal responsibility for what is on your tax return. Mistakes and their consequences are the responsibility of the individual, married couple, or business whose name appears at the top of the return. On today's show, Ralph reviews his tips for picking the bes...

You are required to file a federal income tax return if your income is above a certain level. That level varies quite a bit, depending on your filing status, your age and the kind of income you’re reporting. On today's show, Ralph outlines whether or not you need to file a tax return this 2019 tax season. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at as...

Home ownership is a lifelong dream for millions, and one that comes with its own unique set of pleasures and challenges. But for all the true benefits of homeownership, there are an equal number of myths about what it is like to own and maintain property. On today's show, Ralph debunks some important home ownership myths you need to know! Submit your questions or ideas for future shows, tweet us a...

You have started a business and you aren't making a profit. You've heard that the IRS won't accept business deductions if it considered your business a "hobby", but what it the truth? On today's show, Ralph discusses how the IRS distinguishes between legitimate business and hobby activities, for the purpose of taxes and what that means for you. Submit your questions or ideas for future shows, twee...