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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:
    Business Versus Hobby Apr 02, 2019
    Show notes

    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, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

    Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

    To schedule a consultation with Ralph's team or to schedule your tax preparation appointment, contact him at 302-659-6560 or go to www.askralph.com for more information.

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    Tale of the Ghost Tax Preparer Mar 28, 2019
    Show notes

    Ghost preparers, according to the IRS, “look to make a fast buck by promising a big refund or charging fees based on a percentage of the refund. These scammers hurt honest taxpayers who are simply trying to do the right thing and file a legitimate tax return.” So how do you figure out if you are being scammed by your preparer? On today's show, Ralph discusses the steps on how to not get "ghosted" when choosing a tax preparation service.

    Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

    Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

    To schedule a consultation with Ralph's team or to schedule your tax preparation appointment, contact him at 302-659-6560 or go to www.askralph.com for more information.

    Mentioned in this episode:

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    Respond Don't React Mar 27, 2019
    Show notes

    On today's show, Ralph talks about his experience with responding and not reacting during interactions and how we all can benefit from practice in taking a breath, thinking logically and responding appropriately.

    Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

    Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

    To schedule a consultation with Ralph's team or to schedule your tax preparation appointment, contact him at 302-659-6560 or go to www.askralph.com for more information.

    Mentioned in this episode:

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    VA Home Loans Mar 21, 2019
    Show notes

    The share of service members using VA mortgage loans instead of conventional ones to purchase their first homes more than doubled from before the housing crisis hit to after the dust settled, according to a report from the Consumer Financial Protection Bureau. On today's show, Ralph discusses exactly what a VA home loan is, how to use one and what benefits surround their use in home financing.

    Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

    Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

    To schedule a consultation with Ralph's team or to schedule your tax preparation appointment, contact him at 302-659-6560 or go to www.askralph.com for more information

    Mentioned in this episode:

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    How Scammers Steal Your Money Mar 15, 2019
    Show notes

    Cybercrime has been a lucrative business for swindlers since the early days of the internet. Despite the advancements in security, hackers and criminals will always be one-step ahead of us. That is why it is important for us to become knowledgeable on the common ways that scammers use to steal your hard-earned money so that we can thwart any threats before they become a problem. On today's show, Ralph discusses how scammers and grifters con you out of your money in today's new technology age.

    Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

    Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

    To schedule a consultation with Ralph's team or to schedule your tax preparation appointment, contact him at 302-659-6560 or go to www.askralph.com for more information

    Mentioned in this episode:

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    3 Reasons to Hire a Tax Professional this Year Mar 12, 2019
    Show notes

    Sleepless nights, panic attacks and pounding headaches are feelings that are far too familiar for taxpayers during the spring. But how do you know if you really need the help of a professional tax preparer? On today's show, Ralph discusses reasons why you may need to recruit a tax preparer this year.

    Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

    Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

    To schedule a consultation with Ralph's team or to schedule your tax preparation appointment, contact him at 302-659-6560 or go to www.askralph.com for more information!

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    IRS Audit Red Flags for TY18 Mar 07, 2019
    Show notes

    While the overall risk of being audited is generally low, new changes resulting from the enacted Tax Cuts and Jobs Act (TCJA) could impact your susceptibility of being audited this tax season. On today's show, Ralph discusses some of the most impactful red flags to be aware of this tax year 2018 filing season.

    Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

    Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

    To schedule a consultation with Ralph's team or to schedule your tax preparation appointment, contact him at 302-659-6560 or go to www.askralph.com for more information!

    Mentioned in this episode:

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    Why File Early? Mar 05, 2019
    Show notes

    Whether you do them yourself or pay someone else to do them for you, preparing your income taxes is probably not one of your favorite chores. Knowing you have a refund coming can make the whole process somewhat easier, but gathering your paperwork and ensuring the forms are completed correctly can still be both time-consuming and stressful. On today's show, Ralph discusses the reasons for why it is best to file early when filing your tax returns.

    Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

    Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

    To schedule a consultation with Ralph's team or to schedule your tax preparation appointment, contact him at 302-659-6560 or go to www.askralph.com for more information!

    Mentioned in this episode:

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    Interview with Stefan "The Freak" Talabisco Mar 02, 2019
    Show notes

    A special bonus for our listeners is the full interview with Stefan "The Freak" Talabisco to talk with Ralph about his life as a veteran and up and coming professional boxer. With goals of boxing in venues far and wide, he reminisces about his start, what he loves most and his upcoming event, Saturday March 30, 2019, for the Night of Live Boxing! at the Hockessin Pal Center.

    For more information, check out his Facebook (@frankiepaul) or purchase tickets by calling 609-868-4243.

    For more content, subscribe to our podcast on Apple podcasts or wherever you listen!

    You can also like us on Facebook, follow us on Twitter (@askralphmedia) or email us at askralph@askralphmedia.com.

    Mentioned in this episode:

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    Tax Changes for Military Members Feb 28, 2019
    Show notes

    Recent changes in tax law mean that many in uniform could see big returns when they file their 2018 taxes. On today's show, Ralph discusses how many services members and their families are likely to see substantial reductions in their overall federal taxes for 2018.

    Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

    Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

    To schedule a consultation with Ralph's team or to schedule your tax preparation appointment, contact him at 302-659-6560 or go to www.askralph.com for more information!

    Mentioned in this episode:

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