Becoming Financially Confident copertina

Becoming Financially Confident

Becoming Financially Confident

Di: Ralph V. Estep Jr.
Ascolta gratuitamente

Offerte di stagione | 0,99 €/mese per i primi 3 mesi

A seguire 9,99 €/mese – si applicano condizioni. Puoi disdire mensilmente.
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.Ask Ralph Media, Inc. Giornaliero Successo personale Sviluppo personale
Episodi
  • BFC Weekly Recap: Surveillance Pricing, Credit Unions, Minimum Payments, and Debt Lawsuits

    BFC Weekly Recap: Surveillance Pricing, Credit Unions, Minimum Payments, and Debt Lawsuits
    Oct 17 2026

    In this week’s recap, Ralph Estep Jr. and Juliet revisit the week’s best money moves, from surveillance pricing and credit card minimum payments to why a credit union may be a better home for your savings.

    In This Episode

    ✓ Surveillance pricing and how to check your shopping preferences

    ✓ What to say when a promo rate expires

    ✓ Why the credit card minimum payment keeps you in debt

    ✓ Why you should always request a direct rollover

    ✓ How credit unions and banks differ, and what it means for savings and car loans

    ✓ How to size life insurance by the gap, not a rule of thumb

    ✓ What to do with a court summons or an accidental deposit

    ✓ Why six figures does not guarantee a mortgage

    ✓ How guest Tina paid off about $23,000 with a 401(k) loan

    If you’ve ever wondered whether your bank or your paperwork is costing you more than it should, this recap gives you plenty to check.

    Resources

    Live show:

    https://www.becomingfinanciallyconfident.com/live

    Giveaway:

    https://www.becomingfinanciallyconfident.com/giveaway

    Book a call:

    https://www.ralphestepjr.com/schedule

    Follow Becoming Financially Confident

    LinkedIn:

    https://www.linkedin.com/company/becomingfinanciallyconfident

    Facebook Group:

    https://www.facebook.com/share/g/1HpWqv8jp9/

    Instagram:

    https://www.instagram.com/becomingfinanciallyconfident

    Skool Community:

    https://www.skool.com/becoming-financially-confident-7556

    Have a money question?

    Send it here:

    becomingfinanciallyconfident.com/voicemail

    Companies Mentioned

    KingSumo

    Claude

    Sears and Roebuck

    DuPont
    Mostra di più Mostra meno
    17 min
  • How a 40-Year Banker Paid Off $23,000 of Debt With a 401(k) Loan

    How a 40-Year Banker Paid Off $23,000 of Debt With a 401(k) Loan
    Oct 16 2026

    In today’s episode, Ralph Estep Jr. and Juliet sit down with retired banker Tina Poole and break down convenience store overcharging, AI bill negotiators, and the condo market.

    In This Episode

    ✓ A $3.99 pack of gum rang up at $4.99, and Circle K failed 35% of price checks

    ✓ AI bots now call your cable company and haggle your bill, but who wins when the bots talk to each other?

    ✓ A $260,000 Colorado condo, a $470 monthly HOA, and a buyer who says he feels trapped

    ✓ Tina Poole’s 40 years in banking, $23,000 of divorce debt, and the 401(k) loan that cleared it

    ✓ The Christmas club account, a 40-year savings habit that just paid Tina $650

    ✓ The Christmas bonus giveaway starts Monday, with a prize that grows up to $1,000

    ✓ Money move: check your life insurance and who your beneficiaries are

    If you’ve ever wondered whether the price you saw is the price you paid, this episode will make you look twice.

    Resources

    Watch live:

    https://www.becomingfinanciallyconfident.com/live

    Win Ralph’s Money:

    https://www.becomingfinanciallyconfident.com/giveaway

    Book a call:

    https://www.ralphestepjr.com/schedule

    Follow Becoming Financially Confident

    LinkedIn: https://www.linkedin.com/company/becomingfinanciallyconfident

    Facebook Group: https://www.facebook.com/share/g/1HpWqv8jp9/

    Instagram: https://www.instagram.com/becomingfinanciallyconfident

    Skool Community: https://www.skool.com/becoming-financially-confident-7556

    Have a money question?

    Send it here:

    https://www.becomingfinanciallyconfident.com/voicemail

    Companies Mentioned

    7-Eleven

    Circle K

    The Guardian

    Rocket Money

    Kira

    Verizon

    OpenTable

    Fannie Mae

    Freddie Mac

    KingSumo

    MBNA

    Bank of America

    Chase

    Amazon

    Apple
    Mostra di più Mostra meno
    1 ora e 1 min
  • IRS Employees Snooped 86 Times, and 175 Taxpayers Were Never Told

    IRS Employees Snooped 86 Times, and 175 Taxpayers Were Never Told
    Oct 15 2026

    In today’s episode, Ralph Estep Jr. and Juliet explain how to calculate how much life insurance you need, and why Ralph’s own health nearly priced him out.

    In This Episode

    ✓ IRS employees snooped on taxpayer records 86 times

    ✓ Housing affordability at a 19-year low

    ✓ Why boomers’ $93 trillion may not reach their kids

    ✓ The DIME formula: debt, income, mortgage, education

    ✓ Term vs. whole life, and what a medical exam checks

    ✓ How losing 200 pounds changed Ralph’s rating

    If you’ve been putting off the life insurance conversation, this episode gives you a number to start with.

    Resources

    Watch live:

    https://www.becomingfinanciallyconfident.com/live

    Giveaway:

    https://www.becomingfinanciallyconfident.com/giveaway

    Book a call:

    https://www.ralphestepjr.com/schedule

    Follow Becoming Financially Confident

    LinkedIn: https://www.linkedin.com/company/becomingfinanciallyconfident

    Facebook Group: https://www.facebook.com/share/g/1HpWqv8jp9/

    Instagram: https://www.instagram.com/becomingfinanciallyconfident

    Skool Community: https://www.skool.com/becoming-financially-confident-7556

    Have a money question?

    Send it here:

    becomingfinanciallyconfident.com/voicemail

    Companies Mentioned

    Zillow

    Ethos

    Apple

    Walmart

    Target

    Dunkin’

    Sears and Roebuck

    ID.me
    Mostra di più Mostra meno
    58 min
adbl_web_anon_alc_button_suppression_t1
Ancora nessuna recensione