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PODCAST

Financially Confident Christian

Ralph V. Estep, Jr.

2025 Best Christian Finance Podcast in the U.S. — Best of Best Review I believe money isn’t just about numbers — it’s about confidence, stewardship, and faith. If you’ve ever felt trapped in the cycle of financial shame, I want you to know — you’re not alone, and you don’t have to stay there. I’m Ralph Estep Jr., and on Financially Confident Christian, I help you blend Biblical wisdom with practical financial strategies so you can finally find peace with your money and purpose in your

religion & spirituality christianity

All Episodes

12:44

How Can I Look at My Bank Account Without Panicking?

Financially Confident Christian ·

2025/05/27

Does the thought of logging into your bank account make your stomach drop? You’re not alone. In this episode of Ask Ralph, Ralph speaks directly to those who feel overwhelmed by their finances, afraid to even look at the numbers. Whether it’s unopened bills, ignored bank alerts, or that one credit card balance you just can’t face, this episode offers a lifeline of encouragement. With faith as the foundation, Ralph shares how even a small act of courage can begin to break the cycle of financial fear,

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12:25

Am I the Only One Losing Sleep Over Money?

Financially Confident Christian ·

2025/05/26

In this opening episode of a brand-new series, Ralph tackles a topic that weighs heavy on so many hearts: financial anxiety and the silent battles we fight behind closed doors. Whether you're lying awake at night worrying about bills, overwhelmed by unexpected expenses, or feeling pressure to maintain appearances, you’re not alone—and you’re not without hope. Ralph unpacks the truth behind that lonely question many have asked in the dark: “Am I the only one losing sleep over this?” As he reminds us,

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56:41

LIVE SHOW REPLAY: Is That Brand Name Really Worth It?

Financially Confident Christian ·

2025/05/25

Joined again by his good friend Craig, Ralph dives into practical money-saving strategies that go beyond surface-level tips. From rethinking the urge to always buy new, to confronting debt, to starting your first emergency fund, Ralph walks through real-life examples and listener questions that bring biblical wisdom into everyday decisions. The episode also challenges listeners to reconsider Smart Spending, Debt Payoff, and Is That Brand Name Worth It, Really?Read today's blog articleCheck out the

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11:12

Struggling on Your Financial Journey? How About...

Financially Confident Christian ·

2025/05/24

In this final installment of the Joy of Living Below Your Means series, Ralph brings an encouraging word to those who may be feeling worn out, discouraged, or tempted to give up after slipping on their financial goals. He reminds us that the path to financial confidence isn’t about flawless execution—it’s about faithfulness and consistency. Whether you forgot to track your spending this week or dipped back into an old habit, Ralph emphasizes that God’s grace is new every morning and that every small

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12:03

Are Hidden 'Idols' Affecting Your Finances?

Financially Confident Christian ·

2025/05/23

Most of us know we should budget, save, or spend with intention—but what if the real battle isn’t in our bank account, but in our hearts? In this powerful episode of Ask Ralph, we move beyond surface-level financial advice and get honest about what’s really driving our money decisions. Ralph unpacks the idea of “financial idols”—those sneaky sources of security, status, or self-worth that can quietly take God's place in our financial lives. If you've ever felt anxious about money, even when things

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02:04

Welcome to Financially Confident Christian

Financially Confident Christian ·

2025/05/23

Have you ever felt like your faith is strong… but your finances are a mess? You're not alone—and you're exactly who this podcast is for.I’m Ralph Estep Jr., a licensed accountant, business coach, and fellow believer. For over 30 years, I’ve helped people break the cycle of financial shame and step into freedom. This show isn't about guilt or get-rich-quick promises. It's about truth, transformation, and taking faithful steps toward becoming what I call a Financially Confident Christian.Each day,

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11:50

Beyond the Goal: What's Your Deeper 'Why'?

Financially Confident Christian ·

2025/05/22

In this episode of Ask Ralph, we explore the powerful connection between faith and finances—and why it’s about so much more than numbers on a spreadsheet. Ralph challenges the idea of simply applying Christian labels to secular strategies, and instead invites listeners to rethink money management as a spiritual practice rooted in biblical truth. From giving and saving to spending and investing, every decision becomes a chance to live out your faith with intention. The key? Understanding your deeper

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10:54

What's Your Specific Financial Goal Right Now?

Financially Confident Christian ·

2025/05/21

Tired of feeling like you're doing all the right financial things but still not seeing results? In this episode of Ask Ralph, Ralph zeroes in on a key reason so many people lose momentum on their financial journey: a lack of clarity. Whether you’re budgeting, meal planning, or paying off debt, it’s easy to fall into routine without knowing what you’re aiming for. Ralph introduces the SMART goal framework to help you move from vague intentions to focused action. If you’re ready to turn daily effort

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09:59

Could You Be Overpaying for Insurance?

Financially Confident Christian ·

2025/05/20

When was the last time you actually reviewed your insurance policies? In this episode of Ask Ralph, Ralph encourages listeners to stop letting automatic payments and brand loyalty lead to wasted money. From car insurance to renters and homeowners coverage, rates can creep up year after year, especially if you've never taken the time to compare. With practical guidance and spiritual insight, Ralph challenges you to be proactive, faithful, and diligent with this major expense. If you’re looking to

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09:19

Want to Save Consistently? Why Not Automate It?

Financially Confident Christian ·

2025/05/19

Ever plan to save money—but somehow never follow through? You’re not alone. In this episode of Ask Ralph, Ralph unpacks why great intentions often fall apart when life gets busy, bills pile up, and willpower fades. But there’s a simple, consistent solution: automation. When you set up automatic savings, you remove the pressure to remember or the temptation to spend. If you want to build lasting financial peace, start with a plan that makes saving effortless. This episode will help you turn good

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01:02:23

LIVE SHOW REPLAY Are You Truly Living Below Your...

Financially Confident Christian ·

2025/05/18

Ever feel like you’re doing all the “right” financial things but still falling short? In this special live episode of Ask Ralph, Ralph and Craig unpack six powerful, everyday habits that faithful stewards can use to find more peace, freedom, and consistency in their finances. From packing lunch and canceling unused subscriptions to the 24-hour impulse rule and shopping your house first, they revisit key moments from a week of shows and listener questions. Whether you’re a seasoned budgeter or just

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10:43

How Can You Stop Small Emergencies From Derailing...

Financially Confident Christian ·

2025/05/17

You’re finally making progress on your debt—and then life happens. A flat tire. A broken appliance. A surprise medical bill. In this episode of Ask Ralph, Ralph shares a powerful and practical strategy to keep small emergencies from wrecking your momentum. It’s not about fear—it’s about wisdom. With biblical insight and personal encouragement, Ralph explains how to build a baby emergency fund that acts as a shield against setbacks. If you’re ready to protect your progress and stay the course, this

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10:18

Need Debt Payoff Motivation? Can $20 Make a Difference?

Financially Confident Christian ·

2025/05/16

Feeling overwhelmed by your debt total? You’re not alone. In this episode of Ask Ralph, Ralph shares the surprising power of small steps—specifically, how making a single $20 payment toward your smallest debt can break through discouragement and jumpstart momentum. Using biblical encouragement and relatable personal stories, he unpacks the psychology of progress and how even a tiny victory can reignite your hope and discipline. If you’re feeling stuck or unsure where to begin, this episode offers

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09:35

Trying to Pay Off Debt? Should You Stop Using Credit...

Financially Confident Christian ·

2025/05/15

Debt isn’t just numbers—it’s emotional, spiritual, and heavy. In this episode of Ask Ralph, Ralph kicks off a new focus in the Joy of Living Below Your Means series by tackling the first, most courageous step toward financial freedom: facing your debt. With honesty, compassion, and biblical encouragement, Ralph challenges listeners to stop hiding from what they owe and start bringing it into the light. If you’ve been avoiding balances, dodging statements, or living in dread of what’s due, this

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09:02

Ready to Face Your Debt? Where Do You Start?

Financially Confident Christian ·

2025/05/14

Still using credit cards while trying to pay them off? You’re not alone—and you’re not broken. In this episode of Ask Ralph, Ralph gets honest about the cycle so many of us find ourselves in: making a payment on our debt, only to swipe that card again days later. It’s frustrating, discouraging, and often rooted in good intentions but faulty habits. Ralph explains why stopping the use of credit—temporarily or even permanently—isn’t extreme; it’s a faithful, practical move toward freedom. If you’re

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09:12

Could Switching Brands Save You Money?

Financially Confident Christian ·

2025/05/13

Do you grab the same brand-name items every time you shop—without question? In this episode of Ask Ralph, Ralph breaks down the psychology behind brand loyalty and why it might be quietly sabotaging your budget. From pantry staples to cleaning supplies, we often stick with what we know because of habit, nostalgia, or marketing influence. But what if your trust in those labels is costing you more than it’s worth? This episode encourages you to pause, question your default choices, and explore whether

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09:01

Need Something? Should You Borrow or Barter Before...

Financially Confident Christian ·

2025/05/12

When you need something, is your first instinct to buy it? In this episode of Ask Ralph, Ralph explores the heart of biblical stewardship through three practical options: borrowing, bartering, and buying. Whether it’s a power tool for a weekend project, a serving dish for a gathering, or a book for research, our culture often tells us to hit “buy now.” But Scripture and community invite us into something better—faithful, creative resourcefulness. If you’re striving to spend wisely, reduce clutter,

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54:58

LIVE SHOW REPLAY - Are Your Spending Habits Aligned...

Financially Confident Christian ·

2025/05/11

Do your money habits reflect what matters most? In this episode of Ask Ralph, Ralph and Craig revisit key takeaways from recent episodes on budgeting, meal planning, impulse spending, and more, all rooted in the challenge to live below your means with joy and purpose. They respond to real listener questions and offer practical encouragement for tracking expenses, meal prepping with grace, and sticking to a plan that fits your life. If you’re trying to reconnect your faith with how you handle money

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11:02

Can You Intentionally Lower One Utility Bill This Month?

Financially Confident Christian ·

2025/05/10

Feeling powerless when the utility bills roll in each month? You’re not alone. In this episode of Ask Ralph, Ralph shares a fresh, faith-filled approach to managing these unavoidable expenses. Rather than trying to overhaul everything at once, Ralph challenges listeners to pick just one utility—electricity, water, gas, internet, or phone—and commit to a few simple, consistent changes for 30 days. With biblical encouragement and practical tips, he shows how stewardship starts small and grows with

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10:22

Could You Save Money by Shopping Your House First?

Financially Confident Christian ·

2025/05/09

Ever rush to the store for something, only to realize you already had something like it at home? In this episode of Ask Ralph, Ralph challenges the impulse to buy something new before checking what God has already provided. From forgotten pantry items to tucked-away clothing, books, or tools, Ralph shares how the simple practice of taking inventory can lead to creativity, savings, and deeper gratitude. If you’re ready to cut clutter, spend more wisely, and grow in contentment, start with this

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1,024 results

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