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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:
    Ways to Secure Your Retirement May 11, 2018
    Show notes

    Enjoying a comfortable retirement begins with having a strategic plan for saving and investing. Part of that means being sensitive to certain financial pitfalls that can derail your long-term goals and shrink your nest egg in the process. On today’s show, Ralph outlines five tried and true ways to get the retirement you want while managing the life you have currently.

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

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    Get Moving on Your Extension May 09, 2018
    Show notes

    Maybe you filed a tax extension back in April because you were missing some of the paperwork, needed more time due to complications, or simply procrastinated. Regardless of the reason, you filed an extension and now have an additional six months to file. On today’s show, Ralph outlines reasons for finishing up your return filing sooner rather than later for those on extension.

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

    Mentioned in this episode:

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    The Great Debate: Traditional VS. Roth IRA May 07, 2018
    Show notes

    There are dramatic differences between traditional and Roth individual retirement accounts (IRA) and what you do not understand about the particular rules that apply to them can cost you. On today’s show, Ralph discusses the differences between these two very different retirement plan contribution accounts and the applicable tax regulations.

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

    Mentioned in this episode:

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    How Not to Owe at Tax Time May 04, 2018
    Show notes

    Are you wondering why you owed so much in taxes this year? Want to make sure you never owe a big tax bill or any bill at all – when you file your income taxes? On today’s show, Ralph outlines what steps you need to take throughout the year to make sure your tax bill is paid before your file.

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

    Mentioned in this episode:

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    Factors Affecting Social Security May 02, 2018
    Show notes

    The importance of Social Security for retired Americans simply can not be overstated. Further, understanding what you will be paid from Social Security and what factors can effect that payout are equally important. On today’s show, Ralph discuss the various factors that may affect your Social Security payout.

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

    Mentioned in this episode:

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    401(k) Features to Know and Love Apr 30, 2018
    Show notes

    On today’s show, Ralph discusses features and benefits to contributing to 401(k)s for those staring early and those starting late.

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

    Mentioned in this episode:

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    Should I Retire? Apr 28, 2018
    Show notes

    Retirement is about the alignment of two things: money and values. When deciding if you should retire, that means you have to know if you can afford to - and you have to know what retirement means to you. On today’s show, Ralph talks about retirement and helps answer the questions surrounding the major life change.

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

    Mentioned in this episode:

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    Are Social Security Benefits Taxable? Apr 25, 2018
    Show notes

    Many Americans do not know that depending on your income, you could have to pay your federal income tax rate on up to 85% of your Social Security benefits. On today’s show, Ralph reviews the tax regulations regarding Social Security and applicable income limits so that you are not blind sided come 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, contact him at 302-659-6560 or go to www.askralph.com for more information!

    Mentioned in this episode:

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    Lame Excuses for Non/Late Filers Apr 23, 2018
    Show notes

    Did your forget to file your taxes? Were you too busy to submit your return? Was tax filing just too confusing? On today’s show, Ralph talks lame excuses for filing late and not filing and whether that excuse holds any weight with the IRS.

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

    Mentioned in this episode:

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    IRS Red Flags to Know Apr 20, 2018
    Show notes

    So you have filed your 2017 tax return, or filed an extension, and may have one nagging question: Am I going to be audited by the IRS?For most people, even the prospect of an IRS tax audit can raise your blood pressure. On today's show, Ralph review 12 of the top IRS red flags that could trigger an audit.

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

    Mentioned in this episode:

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