Beste Generous Benefits podcaster (2024)

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What are 7 things I can do to get the highest price when selling my car? 22:44

2h ago22:44

22:44

Are you leaving thousands of dollars on the table when selling your car? Today, Ralph shares a compelling story about a client named Bill, who transformed a $12,000 trade-in offer into an impressive $17,500 through a private sale. Ralph outlines seven essential principles that can help you maximize your car's selling price, including the importance…

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I’ve been scammed online – what are 5 things I should do immediately? 25:37

1d ago25:37

25:37

Have you ever fallen victim to an online scam, leaving you feeling helpless and ashamed? Today, Ralph Estep Jr. shares vital steps you can take in the first 24 hours after being scammed to regain control and begin the recovery process. With powerful stories of individuals who faced similar challenges, Ralph outlines immediate actions you can implem…

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What are 5 things to consider before buying groceries with my credit card? 21:19

2d ago21:19

21:19

Are you feeling trapped in a cycle of credit card debt, especially when it comes to everyday expenses like groceries? Ralph Estep Jr. tackles this issue head-on, sharing five crucial considerations for using credit cards wisely without falling into debt. From the importance of maintaining an emergency fund to understanding the impact of credit util…

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How can I build effective Christian unity? 22:21

3d ago22:21

22:21

Building Christian unity is essential for strengthening both faith and finances within church communities, and today, Ralph dives into this important topic. He addresses a listener's concerns about division in her local church, particularly around financial decisions regarding a building fund versus community outreach. Through examining sobering st…

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My parents failed to prepare for retirement and are now 70 – what can I do to help them? 21:40

4d ago21:40

21:40

Are you worried about your aging parents' financial situation? This episode of the Ask Ralph Podcast dives into practical ways to support them, especially if they haven't adequately prepared for retirement. Ralph Estep Jr. examines the emotional and financial challenges families face when parents are reliant on Social Security alone, often struggli…

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Why don’t I feel like I’m doing well financially – even though I am according to most experts? 22:41

5d ago22:41

22:41

Feeling financially secure on paper but unsettled inside is a common struggle that many face, as highlighted by Shannon's heartfelt letter. Despite earning a solid income, having emergency savings, and contributing to retirement, she experiences anxiety and a sense of inadequacy. Ralph Estep Jr. delves into this paradox, exploring the reasons why f…

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What is an EIN and why would I need one? 19:15

6d ago19:15

19:15

Are you unsure whether you need an EIN (Employer Identification Number) for your small business? Ralph addresses this common confusion, particularly for those starting out as sole proprietors. He explains that while having an EIN isn't legally required for every small business, it offers significant benefits, including easier banking, protection ag…

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Why looking poor can be the key to being rich? 16:59

7d ago16:59

16:59

Looking poor could actually be your secret weapon for building real wealth. Ralph Estep Jr. shares two compelling stories that illustrate how living below your means can lead to financial abundance and the ability to serve others. The episode discusses the societal pressures to appear wealthy, contrasting them with the true essence of prosperity ro…

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How can I avoid losing my retirement benefits to an online scammer? 15:41

8d ago15:41

15:41

Are you worried about losing your retirement savings to online scammers? Ralph Estep Jr. tackles this critical concern by sharing personal stories and practical advice for protecting your financial future. He emphasizes the importance of discernment when it comes to investment opportunities and warns against acting under pressure, a lesson he learn…

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How do I build a death binder and what should I include in it? 20:02

9d ago20:02

20:02

Creating a death binder is a crucial step in ensuring your loved ones are prepared to manage your affairs in the event of the unexpected. Ralph dives deep into the importance of organizing essential documents, accounts, and final wishes to provide peace of mind for both you and your family. Through personal anecdotes, he highlights the challenges m…

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Episode 66 - Trust in God and be Generous 19:00

9d ago19:00

19:00

Send us a text When we act out of our trust in God, we are generous. We see this in the story of Elijah and Widow. We see this in the story of the Widow's mite. How can we trust the Lord to become more generous? Support the show Get in touch with Paul Monthly Subscription to Catholic Money Talk

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What are some of the most popular misconceptions of money in scripture? 27:06

10d ago27:06

27:06

Money is often misunderstood, with many believing that it is the root of all evil or that God desires Christians to be poor. This episode delves into 11 dangerous misconceptions about money in scripture that could be hindering your financial growth and spiritual well-being. Ralph Estep Jr. shares personal stories and biblical insights to clarify ho…

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What are common things that most people don’t know about social security? 20:24

11d ago20:24

20:24

Are you lying awake at night, worried that Social Security won't be enough to cover your retirement? You're not alone; many Christians share this concern about their financial future. Ralph dives into nine critical insights about Social Security that financial advisors often overlook, helping to demystify this important topic. By understanding thes…

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What are 7 alternatives to buying a home in your golden years? 23:30

12d ago23:30

23:30

Feeling overwhelmed by the maintenance of a large family home during retirement? You're not alone, and today, Ralph Estep Jr. challenges the notion that homeownership is the only way to enjoy your golden years. He shares powerful stories of clients who found peace and financial freedom by exploring alternative housing options, such as luxury RV liv…

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What are the differences between the two types of 529 plans? 24:07

13d ago24:07

24:07

Are you feeling overwhelmed about how to finance your child's college education? Ralph breaks down the two types of 529 plans—traditional college savings plans and prepaid tuition plans—providing clarity on how each can effectively contribute to your college funding strategy. Through real-life stories of families who successfully navigated their ed…

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What are 7 credit card debt myths that nobody should believe? 21:06

14d ago21:06

21:06

Are you feeling overwhelmed by credit card debt? You’re not alone—many people are trapped by misconceptions about credit cards that can lead to costly mistakes. Ralph dives into seven dangerous credit card myths that could be costing you thousands, including the false belief that carrying a balance builds credit. He shares a shocking personal story…

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What are the best cash apps and what are best practices for using them? 21:40

15d ago21:40

21:40

Sending money through cash apps can be nerve-wracking, especially with the risk of scams that can lead to significant financial losses. Ralph shares a cautionary tale about a client who lost $5,000 to a cash app scam, highlighting the importance of security and awareness when using these financial tools. He emphasizes that convenience must never co…

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What are the biggest financial challenges for those couples retiring at different times? 20:59

16d ago20:59

20:59

Navigating retirement can be a complex journey, especially for married couples with significant age differences. This podcast dives into real stories of couples who have successfully managed different retirement timelines, highlighting how communication and strategic planning can bridge potential gaps. Ralph addresses a listener's concern about the…

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How do I find joy in the midst of trouble? 24:27

17d ago24:27

24:27

Finding joy amidst life's troubles can feel like an impossible task, but this podcast dives deep into how we can navigate these challenging times. Ralph addresses a heartfelt question from a listener named Vanessa, who is grappling with significant hardships, including job loss and financial strain. Through powerful scripture and inspiring stories,…

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What are the best ways to save money when selling a home? 22:40

18d ago22:40

22:40

Discover how to save thousands when selling your home in this enlightening episode of the Ask Ralph Podcast. Ralph shares valuable insights and real-life success stories from clients who navigated the home-selling process, including how one couple saved a staggering $17,500 by using a flat fee MLS listing service. The episode dives into practical s…

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What do I do if I find myself house rich and cash strapped as an older American? 20:14

19d ago20:14

20:14

Feeling financially trapped in a home you love but can't afford to maintain is a common struggle for many older Americans. This podcast tackles the critical issue of being house rich but cash poor, exploring the emotional and financial toll it takes on individuals like Peter, who is left grappling with expenses after losing his spouse. Ralph shares…

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Why is a wealth tax such a terrible idea? 23:31

20d ago23:31

23:31

Are you concerned about the potential impact of a wealth tax on your savings and financial future? Ralph dives deep into the complexities of this contentious issue, explaining how a wealth tax could adversely affect not just the ultra-wealthy but also middle-class families. He highlights the misconceptions perpetuated by mainstream media, emphasizi…

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What are the 9 riskiest places to give your social security number? 22:49

21d ago22:49

22:49

Feeling uneasy when asked for your Social Security number is a valid concern, and today’s discussion highlights the nine riskiest places where you might be asked to provide it. From gym memberships to job applications and even medical offices, sharing this crucial piece of information can expose you to identity theft. Ralph shares personal anecdote…

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Financial Coaching + Faith w/ Jackson Larimer 48:58

21d ago48:58

48:58

Today’s recorded interview is with Jackson Larimer, owner of Lemonade Stand Financial, who provides personalized financial coaching to couples & families. If you enjoy this episode, you can watch our full video version and over 60 hours of valuable educational content at MeasureTwicePlanners.com.Av Cody Garrett, CFP®

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How can I use my retirement account as an emergency ATM? 19:00

22d ago19:00

19:00

Are you feeling the financial squeeze and considering tapping into your retirement account to cover unexpected expenses? Ralph dives into the complexities of using retirement funds as an emergency ATM, exploring the potential pitfalls of penalties and taxes that could derail your financial future. He shares valuable insights and personal anecdotes,…

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What are the top 5 things people do to stay wealthy? 25:33

23d ago25:33

25:33

Are you struggling to maintain your financial success while balancing your overall well-being? Today, Ralph dives into the top five key strategies that wealthy individuals use to not only grow their finances but also nurture their physical, mental, relational, and spiritual health. Through inspiring stories from clients like Tom, Lisa, John, Maria,…

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