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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:
    Part 1: Tax Code Changes for 2018 Dec 25, 2017
    Show notes

    Standard deductions doubled, mortgage interest and SALT caps, and a phase-out of itemization are just a few of the big changes for taxpayers in 2018. If you are struggling to figure out exactly how the tax overhaul will affect you, you've come to right place. On today's show, Ralph gives is an overview of the new provisions and what it means for your returns in 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.

    Mentioned in this episode:

    Post roll for Book Becoming


    Women in Business: Interview with Hope Lopez Dec 24, 2017
    Show notes

    Women are opening up new small business at a faster pace than men according to recent reports. But many still face higher hurdles for success than their male counterparts. On today's show, Ralph sits down with Hope Lopez of El Azteca Mexican Restaurants in Dover to discuss what it takes to successfully run a small business and the unique challenges female entrepreneurs face in today's economy.

    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 El Azteca Mexican Restaurant in Dover at 859 N. Dupont Highway, Dover DE 19901 or their newest location in Rehoboth at 20672 Coastal Hwy, Rehoboth Beach, DE 19971.

    Visit their website for more information (http://www.aztecadelaware.com).

    Link to Federal Reserve Report: https://www.newyorkfed.org/medialibrary/media/smallbusiness/2016/SBCS-Report-WomenOwnedFirms-2016.pdf

    Mentioned in this episode:

    Post roll for Book Becoming


    Radio Broadcast: December 23rd, 2017 Dec 23, 2017
    Show notes

    Originally aired on Saturday, December 23rd, 2017 on WILM 1450 in Wilmington and WDOV 1410 in Dover, Delaware. On today's show Ralph discusses the most recent tax code overhaul, reviews how it is going to affect you in the coming year, then speaks with the founder of Blue Earl Brewing Company and local brew master, Ron Price, about the importance of managing cash flow and building strong local relationships when growing your business.

    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 (www.blueearlbrewing.com).

    Don't forget to check out the brewery's Big Earl Bottle Series and attend their 3rd Annual Christmas Party on Saturday, December 23rd from 5-11PM at "The Juke". For more information visit www.blueearlbrewing.com/copy-of-event-3-2

    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.

    Mentioned in this episode:

    Post roll for Book Becoming


    Entrepreneurial Time Wasters Dec 21, 2017
    Show notes

    Being a new entrepreneur is stressful, and that stress is compounded when you start realizing just how little time there is in a day. Your energy and creativity may feel limitless, but your time isn't. On today's show, Ralph discusses tips for making your workday more productive and efficient.

    Submit you 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 discussed in show: https://ohiocpa.com/utilities/displaynewsitem/2017/11/13/avoid-these-8-entrepreneurial-time-wasters


    Retirement Saving: Roth IRA vs. 401k Dec 19, 2017
    Show notes

    There are many decisions that we all must make about retirement. One of the most perplexing relates to the types of retirement account options available, and where we should put our money first. On today's show, Ralph clears the air on the 401k vs. Roth IRA debate so you can make the best financial decision possible for your retirement savings.

    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.


    Small Business Outsourcing with Dr. Trevor Ennis Dec 18, 2017
    Show notes

    For a startup or small business, any reduction in overhead lets you shift more revenue to operational growth, while simultaneously freeing up your time. Outsourcing can provide continuity, operational expense control and risk management. It can also improve your work/life balance. On today's show, Ralph sits down with Dr. Trevor Ennis of Middletown Chiropractic and Rehabilitation Center to discuss the benefits of outsourcing for businesses seeking to manage time and better patient/client care.

    Submit you 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.

    For more information on Dr. Trevor Ennis, Middletown Chiropractic & Rehabilitation Center and their new location in Dover, visit their website at www.middletownchiropractors.com, or give them a call directly at (302) 415-3646 to schedule an appointment for a free x-ray and consultation today.


    Radio Broadcast: December 16th, 2017 Dec 16, 2017
    Show notes

    Originally aired on Saturday, December 16th, 2017 on WILM 1450 in Wilmington and WDOV 1410 in Dover, Delaware. On today's show Ralph reviews options for Roth IRA and 401K planning, lists some top time wasters for entrepreneurs and sits down with Hope Lopez, co-owner of El Azteca Mexican Restaurant in Dover to discuss being a female small business owner. 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.

    Check out El Azteca Mexican Restaurant in Dover at 859 N. Dupont Highway, Dover DE 19901. Visit their website for more information (http://www.aztecadelaware.com). Don't forget to stop by their newest location in Rehoboth Beach, Delaware!

    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.


    Choosing Your Entity Type Dec 14, 2017
    Show notes

    Of all the choices you make when starting a business, one of the most important is the type of legal structure you select for your company. Not only will this decision have an impact on how much you pay in taxes, it will affect the amount of paperwork your business is required to do, the personal liability you face and your ability to raise money. On today's show, Ralph discusses how to choose the right legal entity for your business and best fits your needs.

    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.


    Holiday Scams to Avoid Dec 12, 2017
    Show notes

    The holiday season is in full swing which also means scammers are out in full force. From gift card scams to "secret shopper" swindling, scam artists crank into high gear during the holiday season. Cybercriminals are stepping up their game to steal your money and personal information during the holidays. On today's show, Ralph discusses some holiday scams to be on the look out for this season so that your holiday can stay merry and bright.

    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.


    Year End Tax Planning Dec 10, 2017
    Show notes

    There is still uncertainty over when or if tax reform will be implemented; regardless, you may be able to save a bundle on your taxes if you make the right moves before the end of the year. On today's show Ralph outlines some end of the year tax planning strategies for reducing 2017 tax liability.

    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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