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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:
    Annual Check-Up Series: Personal Debt Jan 15, 2018
    Show notes

    Every year, you get poked and prodded by your doctor to make sure you stay healthy. You should take similar care of your financial well-being with an annual checkup of essentials, such as your credit situation, retirement savings and life insurance. No needles or ice-cold stethoscopes required. On today's show, Ralph reviews personal debt and strategies to make the best out of your financial situation with our first episode of our annual check-up series.

    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.

    Mentioned in this episode:

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    Financial Resolutions for the New Year Jan 12, 2018
    Show notes

    The New Year is a great time to overhaul your life for the better, and one excellent place to start is by making solid financial resolutions that can help get you closer to your money goals, whether it means increasing your retirement savings or setting funds aside for a down payment on a house. On today's show, Ralph lists some new year's resolutions to make and better your financial picture 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.

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    10 Steps to Get Ready for Tax Preparation Jan 10, 2018
    Show notes

    Tax season is rapidly approaching and it is important to do your homework before your the season begins. Getting organized early can save you hours of hassles when it comes time to do your taxes or hand them over to your accountant. On today's show, Ralph discusses ten steps to take to get ready for tax preparation.

    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.

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    New Year, New Small Business Resolutions Jan 08, 2018
    Show notes

    If you are a fan of setting individual goals for the new year, you must make sure not to forget about your business. Take the opportunity to examine your company’s financial health and look for ways to make improvements. On today's show, Ralph reviews resolutions to make for your business to help it stay in shape in 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.

    Mentioned in this episode:

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    6 Things Your Tax Preparer Doesn't Want You To Know Jan 05, 2018
    Show notes

    Paying an expert to prepare your taxes is simple and makes a lot of sense, but finding the right person to prepare your taxes can be difficult. It is important to make sure you thoroughly understand your preparer's competence and experience so that you aren't leaving money on the table. On today's shows, Ralph discusses how to find the best and most qualified tax preparer this tax 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.

    Mentioned in this episode:

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    How Tax Reform will Affect Families Jan 03, 2018
    Show notes

    Most Americans will get a tax cut this year under the plan Congress passed recently, but figuring out exactly how much your family will save is tricky. In fact, for many families circumstances can vary widely depending on factors like income, the number of children or where you live. On today's show, Ralph takes a look at how 8 different families will be affected by the newly passed tax bill set to take effect in the coming tax years.

    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.

    Link to Article: https://www.bloomberg.com/news/articles/2017-12-20/how-the-tax-bill-will-affect-eight-american-families

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    Questions to Ask When Selecting a Tax Preparer Jan 01, 2018
    Show notes

    With tax season just around the corner, now is the time to start thinking about not just when you will file your taxes, but how. In fact, you may be looking at hiring a professional to file your return on your behalf -- and if so, you wouldn't be alone. On today's show, Ralph reviews questions to ask when selecting a tax preparer this 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.

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    Radio Broadcast: December 30th, 2017 Dec 30, 2017
    Show notes

    Originally aired on Saturday, December 30th, 2017 on WILM 1450 in Wilmington and WDOV 1410 in Dover, Delaware. On today's show Ralph talks tax preparer dos and don'ts, questions to ask when choosing someone this tax season, and outlines how 8 different American families will be affected by the new tax reform bill. If you have any questions or ideas for future shows, please email us at askralph@askralphmedia.com.

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

    Advertisers:

    For more information on Haass Family Butcher Shop, give them a call at (302) 734-5447 or visit their store at 3997 Hazlettville Road in Dover (https://www.haassmeats.com/).

    For more information on Sawyer Sanitation, give them a call at (302) 678-8240 and mention "Ask Ralph" to receive $5.00 off your service.

    For more information on Saggio Accounting+Plus, visit www.saggioaccounting.com or give them a call at (302) 659-6560 to schedule a consultation today.

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    Cash Flow and Community with Ron Price of Blue Earl Brewing Co. Dec 29, 2017
    Show notes

    Cash flow is a key indicator of financial health and the life-blood of any small business. Equally important to having a solid cash flow is the relationship a small business has with its community. If you are running your business well, chances are your most avid supporters are the people buying your product or service, thus keeping your cash flow manageable. On today's show, Ralph speaks with Ron Price, founder of Blue Earl Brewing Company in Delaware about the importance of managing cash flow and building strong local relationships when growing your business.

    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.

    Check out Blue Earl Brewing Company in Smyrna at 210 Artisan Drive, Smyrna DE 19977 for a tour or stop by the taproom "The Juke" and enjoy fine craft beers, delicious eats and amazing live entertainment. Visit their website for more information (https://www.blueearlbrewing.com/).

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    Part 2: Tax Code Changes for 2018 Dec 27, 2017
    Show notes

    Moving expense deduction suspended, changes in employee fringe benefits, and all new tax brackets for individuals under the newly passed tax overhaul from Congress set to take effect starting in 2018 for many taxpayers. Lots of people asked us how the new law would affect them. On today's show, Ralph outlines more of the changes in the Tax Cuts & Jobs Act of 2018 and what it means for your returns going into the new year.

    Submit your tax questions and Ralph will answer them on an upcoming show! Tweet us at @askralphmedia, send us a message on Facebook or email us at askralph@askralphmedia.com. Visit www.askralphmedia.com for more information.

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