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    Business

    Becoming Financially Confident

    Breaking Free from Financial Shame, one conversation at a time.

    Most money advice assumes you already know what you’re doing. This show doesn’t.
    Becoming Financially Confident is a live weekday show for people who want to get their financial life in order without being lectured, judged, or sold something. Host Ralph Estep Jr. is a Licensed Public Accountant with more than 30 years of experience sitting across the desk from real people and real businesses — the shoebox of receipts, the tax notice nobody wants to open, the budget that never quite balances. He has made his own expensive mistakes, and he talks about them openly.

    This is not a new voice. Ralph has published more than 1,200 episodes across eight seasons, earned national recognition for his work, and written nearly a thousand articles on money, taxes, technology, and small business. Becoming Financially Confident is the next chapter of that same show, in the same feed — sharper, live, and built around one idea: you are capable of figuring this out.

    Every show opens with Headlines: what happened in the money world, and why it matters to your money and not just somebody’s portfolio. From there, the recurring segments include:

    Do the Math — one real financial decision run all the way to the number.
    The Envelope — a full teardown of a single financial product, account, or government program.
    Yes or No — a question that usually gets “well, it depends” gets an actual answer.
    Side Hustle Corner — what a side gig really pays after expenses, self-employment tax, and the hours nobody counts.
    Explain It Like I’m Broke — plain-English translation of the jargon that keeps people from asking.
    Scam of the Week — the ones running right now, and how to spot them before they cost you.
    Bill of the Week — a line-by-line look at something everybody pays and almost nobody reads.
    Homework — one task, free, finishable in fifteen minutes, with a check-in before the week is out.
    Wins of the Week — listeners who did the thing, and what actually happened when they did.
    What It Cost Me — Ralph puts his own money mistakes on the table.

    This show is for the person making good money who still can’t say where it goes. The couple who have been meaning to build a budget for four years. The 52-year-old who opened the retirement statement and closed it again. The freelancer who just got a tax bill they weren’t expecting. If you have ever felt like everyone else got a manual you never received, you are the reason this show exists.

    Here is the thing nobody says out loud: most people aren’t stuck because they lack discipline. They’re stuck because they’re ashamed — of the balance, of the mistake, of the years they didn’t start. Shame keeps the statement unopened and the question unasked, and an unasked question never gets answered. So this show asks them out loud, without flinching and without judgment, and then hands you the actual tools.

    Not just informed. Equipped.

    Live at 11:30 AM Eastern, Monday through Friday, with the full episode in your podcast feed by 5:00 PM the same day. Weekly highlights drop every Saturday.

    Ralph Estep Jr., LPA, is the founder of Saggio Management Group, an accounting practice he has run in Middletown, Delaware for more than 30 years. He is a financial educator, author, business coach, and podcast host.

    Subscribe, and start breaking free from financial shame — one conversation at a time.

    Advertise
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    Latest Episodes:
    Converting Personal Vehicles to Business Use Feb 09, 2024
    Show notes

    Ralph Estep Jr., discusses the process and benefits of converting personal vehicles to business use. He explains how this can lower taxes, provide deductions, and offers tips on documentation, deduction methods, and insurance considerations.

    LISTEN NOW

    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


    Common Tax Jargon Feb 08, 2024
    Show notes

    Baffled by tax jargon? Demystify terms like adjusted gross income, itemized deductions, tax brackets, and tax credits. Listen now to learn more!

    LISTEN NOW

    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


    Weird Side Hustles Feb 07, 2024
    Show notes

    In this episode of the Ask Ralph podcast, Ralph Estep, Jr. discusses some truly bizarre and interesting side hustles. These include being a professional bed warmer, sleeper, mourner, mermaid, pet psychic, scare actor, bridesmaid or groomsman, slime maker, line sitter, human mannequin, and snake milker. These unconventional methods of making money challenge commonly held perceptions about generating income and underscore the endless opportunities available in the world of side hustles.

    LISTEN NOW

    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


    Cybersecurity for Entreprenuers Feb 06, 2024
    Show notes

    In this episode of the Ask Ralph podcast, host Ralph Estep, Jr. delves into the importance of cybersecurity for small businesses and entrepreneurs, emphasizing that they accounted for 43% of all cyber attacks in 2020. He offers concrete strategies and practical steps that businesses can take to buffer against cyber attacks. This includes developing a strong password policy, enabling two-factor authentication, updating software regularly, and educating employees about cybersecurity. Other measures include using robust firewall and antivirus software, conducting regular cybersecurity assessments and audits, as well as implementing strict access controls. The podcast also advises on cybersecurity insurance and effective response to suspected security breaches. A comprehensive cybersecurity checklist for small businesses is mentioned to be available upon visiting the Ask Ralph podcast webpage.

    LISTEN NOW

    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


    Overcoming Fear of Failure: Taking Risks in Business and Finance Feb 05, 2024
    Show notes

    In this episode of the 'Ask Ralph' podcast, host Ralph Estep, Junior, discusses how overcoming the fear of failure can unlock greater levels of success in business and personal finance. He proposes eight concrete steps: embracing the unknown, weighing potential risks and rewards, fostering a growth mindset, creating a supportive network, pursuing ongoing education, planning for contingencies, trusting one's intuition, and maintaining self-belief. Emphasizing that failure should not be seen as a dead end but a stepping stone to success, Ralph encourages audience participation through reviews and feedback.

    LISTEN NOW

    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


    Finding Strength in Times of Trouble - Trusting God's Plan Feb 04, 2024
    Show notes

    Ralph Estep Jr. explores how to find strength in times of trouble and trust in God's plan. He emphasizes the importance of surrendering to God's guidance, seeking his wisdom, and cultivating resilience, gratitude, and mindfulness. Ralph also encourages setting goals, embracing change, and celebrating personal strengths. The episode concludes with a prayer and a reminder that trusting in God's plan empowers us to overcome any challenge.

    LISTEN NOW

    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


    Capitalize on Strengths, Overcome Weaknesses: A Conversation with Professor Craig Van Slyke Feb 03, 2024
    Show notes

    Ralph introduces Craig, a podcast host of "Live Well and Flourish" who shares practical wisdom to live an excellent life. The discussion is focused on leveraging personal strengths and accepting weaknesses, emphasizing the importance of knowing oneself and making informed decisions for living a life of virtue and reason.

    LISTEN NOW

    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


    Pass-Through Entities Explained Feb 02, 2024
    Show notes

    Join Ralph Estep, Jr. as he explains Pass Through Entities and provides an in-depth explanation of pass-through entities such as LLCs and corporations. It covers topics such as how these entities work, the tax benefits they offer, and the steps to create one for a business. Ralph emphasizes the importance of consulting with professionals for legal and tax advice. Additionally, Ralph highlights the potential tax savings, personal liability protection, and ability to deduct business losses that come with using pass-through entities.

    LISTEN NOW

    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


    Don't Miss These Tax Credits Feb 01, 2024
    Show notes

    In this episode of the Ask Ralph podcast, host Ralph Estep, Jr. explains the difference between tax credits and deductions. He also explores common tax credits for the 2023 tax return, such as the child tax credit and the earned income tax credit. Additionally, Ralph delves into lesser-known credits like the lifetime learning credit and the residential energy efficient property credit.

    LISTEN NOW

    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


    Crazy Business Ideas That Actually Worked Jan 31, 2024
    Show notes

    Join Ralph Estep, Jr., as he explores Crazy Business Ideas That Actually Worked and discusses the secrets behind seemingly crazy ventures that became incredibly successful. He explores how these ideas defied the odds, tapped into deep desires, and solved problems we didn't know we had. Estep also highlights some remarkable success stories like the iPhone and Airbnb, as well as notable business failures like new Coke and the Segway. Ralph emphasizes the importance of understanding market needs, being agile and responsive, effective communication and branding, and learning from both successes and failures in the world of business.

    LISTEN NOW

    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


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