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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.

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    Latest Episodes:
    Getting Ready for Tax Time Jan 10, 2024
    Show notes

    Ralph Estep, Jr. welcomes listeners to another episode of the Ask Ralph podcast, where he delves into taxes and financial matters. In this episode, he focuses on preparing for tax season and provides valuable guidance on finding a professional accountant, gathering necessary documents, and reviewing completed returns for accuracy. Estep emphasizes the benefits of working with a qualified accountant who can navigate complex tax laws, maximize deductions and credits, and provide tax planning advice. He advises listeners to consider the accountant's credentials, experience, communication style, and availability when making their selection.

    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


    7 Ways to Raise Your Credit Score by 200 Points Jan 09, 2024
    Show notes

    In this episode of Ask Ralph, we explore the topic of raising your credit score by 200 points in less than five years. Host Ralph Estep Jr. breaks down the importance of credit scores and shares valuable insights on achieving this goal to improve your credit score.

    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


    New Years Financial Resolutions Jan 08, 2024
    Show notes

    In the latest episode of the Ask Ralph show, host Ralph Estep, Jr. discusses financial New Year's resolutions for 2024. According to a study from WalletHub, almost half of all Americans plan to make finance-related resolutions in the coming year – a significant increase from last year. However, many individuals anticipate challenges in sticking to their financial plans due to economic uncertainties.

    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


    10 Experiences You Don't Want as a Retiree Jan 07, 2024
    Show notes

    In this episode of the Ask Ralph show, host Ralph Estep, Jr. discusses the retirement anti-bucket list – 10 experiences retirees don't want to encounter. He starts by addressing the misconception that one must work until a specific age or accumulate a certain amount of savings before retiring. With proper planning and guidance from a retirement professional, individuals may discover they can retire sooner or transition into part-time work while maintaining financial stability.

    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


    Saving Money on Your Next Car Jan 06, 2024
    Show notes

    Today, we're discussing how to save money on your next car purchase. Whether you're in the market for a new or used vehicle, these tips will help you get the best deal possible.

    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 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


    Common Estate Planning Mistakes Jan 05, 2024
    Show notes

    Today, we're discussing common estate planning mistakes that you should avoid at all costs. Did you know that two out of three Americans don't have any estate planning documents? That's according to Caring.com’s 2023 Wills and Estate Planning survey.

    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 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


    IRS Penalty Review - Breaking News! Jan 04, 2024
    Show notes

    Join Ralph Estep, Jr. as he announces IRS updates regarding automatic penalty relief for taxpayers who had balances due in 2020-2021 but did not receive notices, covering eligibility criteria, ensuring address updated to receive refunds, and options if unable to fully pay like payment plans and offers in compromise. Other key points are creating an online IRS account to access tax information, importance of resolving IRS issues before escalation to liens/levies, and sharing the podcast.

    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 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


    Starting a Small Business - An interview with Amanda Nauman Jan 03, 2024
    Show notes

    Are you considering starting a small business? Join Ralph Estep, Jr. as he interviews Amanda Nauman of Zenliven Wellness. Together, they delve into Amanda's journey as a massage therapist and wellness business owner, shedding light on the challenges she encountered when transitioning from being an employee to running her own venture. Amanda reveals how she established a solid groundwork for her business by collaborating with Saggio Accounting and other experts who helped her navigate unexpected aspects of entrepreneurship. Ralph also explores topics such as strategic planning, monitoring business performance, and the pivotal relationships that lay the foundation for small businesses to thrive successfully.

    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 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


    Emergency Withdrawals From 401-K Plans - Pros and Cons Jan 02, 2024
    Show notes

    Ralph Estep, Jr. discusses the pros and cons of emergency withdrawals from 401(k) plans. He highlights that while hardship withdrawals provide immediate funds during crises without repayment requirements, they can deplete retirement savings and incur taxes and penalties. Additionally, emergency withdrawals often lead to an increase in credit card debt due to high-interest rates and potential difficulty in repayment. Ralph suggests alternatives such as creating an emergency fund, utilizing loan options within 401(k) plans, or seeking financial assistance from government programs or nonprofit organizations. Consulting professionals like Saggio Management Group Inc. is recommended for personalized guidance on navigating these decisions.

    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 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


    Inflation Woes - Where Americans Say Their Expenses Have Gone Up Jan 01, 2024
    Show notes

    Ralph Estep, Jr. addresses the issue of rising inflation in today's episode of the Ask Ralph show. He discusses areas where Americans have seen increased expenses and provides practical tips for saving money during times of inflation. Ralph suggests strategies such as downsizing or finding more affordable housing options, planning meals in advance to avoid impulse purchases, utilizing energy-efficient practices to reduce energy costs, and exploring alternative transportation methods. He emphasizes the importance of regularly reviewing budgets and seeking personalized advice from professionals like Saggio Management Group Inc. for tailored financial solutions.

    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 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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