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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:
    Taxpayer Bill of Rights Dec 20, 2018
    Show notes

    On today's show, Ralph reviews and simplifies the complexity of the taxpayer bill of rights which include the right to be informed, receive quality services and to pay no more than the correct amount of tax.

    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, contact him at 302-659-6560 or go to www.askralph.com for more information!

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    Year-End Tax Planning for Small Businesses Dec 18, 2018
    Show notes

    If you are a small business owner, Tax Day has a wholly different connotation than it does for most of America. While most working Americans, are excitedly anticipating the receipt of a big refund check, small business owners dread the annual scramble to gather their K1s, compile deductions, and sort through receipts. On today's show, Ralph reviews year end tax planning strategies for small business owners to get ready for the filing deadline.

    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, contact him at 302-659-6560 or go to www.askralph.com for more information!

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    IRS Offer in Compromise Dec 13, 2018
    Show notes

    Though the majority of Americans wind up getting a refund on their taxes, there are also those who end up owing money to the IRS once their returns are completed. If you are staring at a tax bill you know you ca not pay, do not panic. On today's show, Ralph discusses tax payment options like "offer in compromise" and installment plans for making that tax debt more manageable.

    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, contact him at 302-659-6560 or go to www.askralph.com for more information!

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    Upcoming New Year? Get Organized! Dec 11, 2018
    Show notes

    The new year is rapidly approaching and getting organized early can save you hours of hassles when it comes time to do your taxes or evaluate your finances. On today's show, Ralph discusses six ideas for how to get financially organized before year end!

    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, contact him at 302-659-6560 or go to www.askralph.com for more information!

    Mentioned in this episode:

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    Franchising Success: Before You Sign Dec 06, 2018
    Show notes

    The franchise agreement is the legal agreement that creates a franchise relationship between a franchisor and a franchisee. As a franchisee or prospective franchisee, the franchise agreement is the most critical document to your franchise investment. If you are promised something from a franchisor and you are relying on this promise, it must be contained in the franchise agreement or an amendment to the franchise agreement. On today's show, Ralph concludes our Franchising Success Series with a discussion on everything you need to know before you sign on the dotted line of a franchise agreement.

    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, contact him at 302-659-6560 or go to www.askralph.com for more information!

    Mentioned in this episode:

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    Franchising Success: Disclosure Docs (Part 3) Dec 05, 2018
    Show notes

    To ensure that franchises are giving prospective franchisees the proper amount of information needed to make an educated decision, the agency mandates that a Franchise Disclosure Document (FDD) be provided to the prospective franchisee. On today's show, Ralph finishes his discussion of the Franchise Disclosure Document.

    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, contact him at 302-659-6560 or go to www.askralph.com for more information!

    Mentioned in this episode:

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    Franchising Success: Disclosure Docs (Part 2) Dec 04, 2018
    Show notes

    The FTC requires every franchisor to provide a franchise candidate an FDD which includes 23 Items and exhibits, including the franchisor financials and franchise agreement. The intent of disclosing this information is to enable the prospect to make an informed decision. Although each item is important, some are more important than others. On today's show, Ralph reviews the important parts of the Franchise Disclosure Document (FDD) to help you make a smart decision.

    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, contact him at 302-659-6560 or go to www.askralph.com for more information!

    Mentioned in this episode:

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    Franchising Success: FDD and Me Nov 29, 2018
    Show notes

    Franchising has been and from time to time can be, a shady business. In the past, due to a lack of protections and regulations regarding franchising, distrustful individuals have made use of franchising to run scams. As a result, the FTC requires the development and relay to all prospective franchise contributors of a Franchise Disclosure Document or FDD that provides buyers with validated information to assist in the decision to franchise. On today's show, Ralph discusses the ins and outs of the FDD and what prospective franchisers need to know!

    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, contact him at 302-659-6560 or go to www.askralph.com for more information!

    Mentioned in this episode:

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    Franchising Success: Selecting a Franchise Nov 28, 2018
    Show notes

    With scores of franchise systems operating in dozens of industries, there is no shortage of choices for people interested in buying a franchise. At the same time, the numerous choices can make that decision a challenge for even the most determined would-be franchisee. On today's show, Ralph discusses the facts and figures to assist in deciding the best type of franchise 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, contact him at 302-659-6560 or go to www.askralph.com for more information!

    Mentioned in this episode:

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    Franchising Success: Finding the Right Opportunity Nov 27, 2018
    Show notes

    When considering any new investment, you (should) have a million questions, and getting started in franchising is no exception. What is the best industry? What is the best model? What are the start-up costs for franchises? How do I finance the investment? These are all fair and important questions to explore and on today's show, Ralph investigates the questions that prospective franchise owners should ask and know.

    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, contact him at 302-659-6560 or go to www.askralph.com for more information!

    Mentioned in this episode:

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