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Artwork for Becoming Financially Confident

Becoming Financially Confident

Ralph V. Estep, Jr.
Budgeting
Personal Finance
Emergency Fund
Faith
Debt
Financial Literacy
Financially Confident Christian
Social Security
Christian Faith
Credit Card Debt
IRS
Money
Taxes
Inflation
Credit Score
God
Faith-Based Financial Guidance
Bible
Generosity
Homeownership

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 si... more

PublishesDailyEpisodes1309Founded9 years ago
Number of ListenersCategories
Self-ImprovementEducationKids & Family

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Artwork for Becoming Financially Confident

Latest Episodes

Send Us Your Money Questions and Feedback

A listener is carrying $9,600 in credit card debt at 24% interest, and the minimum payments barely seem to make a difference. They're thinking about pausing 401(k) contributions for a year to get rid of the ... more

Send Us Your Money Questions and Feedback

Imagine spending six months working with your spouse to pay off $57,000 in debt, only to discover another $50,000 in credit card debt that was kept secret. That's the difficult situation Ralph Estep Jr. and ... more

Send Us Your Money Questions and Feedback

Ralph Estep Jr. was having a difficult weekend when he found himself shopping for a new iPhone. He already had a perfectly good phone, but upgrading suddenly seemed like a way to feel better. He made it all ... more

Main point: get clarity — know where your money goes so you can give each dollar a job and build real financial confidence. We talk about tiny daily choices that stack up, like skipping that iPhone duo or going down to one car. I shared a childhood s... more

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Recent Guests

Mark Lawley
Co-host of Practical Prepping Podcast, where he teaches practical emergency preparedness
Practical Prepping Podcast
Episode: Inheritance Tax Questions Answered: The $15 Million Rule and Stepped-Up Basis
Tina Poole
Guest with 40 years in banking and founder of a cleaning business
Self-employed (Cleaning Business)
Episode: How a 40-Year Banker Paid Off $23,000 of Debt With a 401(k) Loan
Jason Bochniak
Mortgage lender
Newfound Mortgage Corp.
Episode: A Mortgage Lender Explains Why You Should Date the Rate, Not the Headlines
Karen Hackman
Finance coach who works with couples
Money and Marriage
Episode: BFC Weekly Recap: Mortgage Rates Hit 6.71%, the New $2,000 1099 Rule, and Who Owes Debt After Death
Craig Van Slyke
College professor and host of the podcast AI Goes To College, recently relaunched Live Well and Flourish.
Episode: Why Can’t We Quit Paper Checks—and Are Scammers Cashing In?
Dr. Craig Van Slyke
Professor of Information Systems and co-host of AI Goes to College podcast
Louisiana Tech University
Episode: LIVE REPLAY: What Are 10 Easy Tax Deductions and Credits to Cut Your Tax Bill?
Dr. Alex Watson
Founder of Admire Medical, expert in preventive healthcare and prehabilitation.
Admire Medical
Episode: Can Spending More on Healthcare Now Actually Save You Thousands Later? My interview with Dr. Alex Watson of Admire Medical
Paul Granger
An advocate for living out one's faith through finances and interim campus director of YWAM City Lights
YWAM City Lights
Episode: How do I live out my Christian Faith through my finances? Replay of my interview with Paul Granger

Hosts

Ralph Estep Jr.
Host of the show, licensed public accountant with 30+ years of experience; founder of Saggio Management Group; financial educator and author.
Juliet
Co-host guiding discussions, asking questions, and assisting with segments and interviews.

Reviews

4.7 out of 5 stars from 71 ratings
  • Good quick advice

    I like listening to Ralph and his financial advice. He is easy to listen to and follow along.

    Apple Podcasts
    5
    angry at adds
    United States3 years ago
  • Hey Ralph!!

    Guess what I hate this podcast

    Apple Podcasts
    1
    The fastes runner sonic
    United States7 years ago
  • Great

    This was a great podcast and I hope the following stay just as good.

    Apple Podcasts
    5
    Gage Estep
    United States9 years ago
  • Great explanation

    Excellent podcast

    Apple Podcasts
    5
    UncleSaggio
    United States9 years ago

Listeners Say

Key themes from listener reviews, highlighting what works and what could be improved about the show.

A few listeners mention enjoying the relatable stories and step-by-step frameworks.
Ralph provides clear, practical money guidance that's easy to follow.
The episodes feel like a trusted coaching session, not a lecture.
Some episodes feel very practical and useful for real-life decisions.
Listeners appreciate the non-judgmental tone and actionable takeaways.

Talking Points

Recent interactions between the hosts and their guests.

Hard Pulls vs Soft Pulls: What Applying for Credit Really Costs
Q: When is it actually time to form the LLC, and what does it actually change?
A single-member LLC generally does not change tax treatment by itself, but can provide liability separation when its finances, contracts, and records are kept distinct. An S corporation election may reduce self-employment taxes on income beyond a reasonable salary, but adds payroll, filing, and administrative costs.
Hard Pulls vs Soft Pulls: What Applying for Credit Really Costs
Q: How much does a credit application cost me and should I care?
A hard inquiry can lower a credit score by about five points, while soft inquiries do not affect it. Multiple credit applications can matter, although rate-shopping inquiries for certain loans are generally grouped within a 14-to-45-day window. Estep recommends getting pre-approved before shopping.
Why Adults Are Buying Toys, Plus a Job Scam Fake Check Warning
Q: When somebody passes, do the banks know to go look for a will?
Banks may monitor obituaries and commonly freeze accounts when an account holder dies. A will does not necessarily allow immediate access to accounts; account ownership, beneficiary designations, and transfer-on-death instructions can determine how funds are handled.
Why Adults Are Buying Toys, Plus a Job Scam Fake Check Warning
Q: How do I build a budget that works when my income won't sit still?
Budget for the lowest-income month, set aside taxes as income arrives, pay yourself a consistent amount based on essential expenses, and save the surplus from higher-earning months. Build reserves and consider additional or more consistent income if the lowest month cannot cover essential obligations.
Selling on Facebook Marketplace: Avoid Scams and Know the Tax Rule
Q: What if this resale is not a job job? I'm not making hundreds of dollars or thousands of dollars on it. If I'm just selling it once every quarter or so, does it matter?
Ralph says that selling an item for more than its purchase price creates taxable income, regardless of whether reselling is a regular job. He adds that payment platforms may issue a Form 1099-K once their reporting thresholds are met, and recommends keeping records of costs.

Audience Metrics

Listeners, social reach, demographics and more for this podcast.

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Frequently Asked Questions About Becoming Financially Confident

What is Becoming Financially Confident about and what kind of topics does it cover?

A practical, relationship- and behavior-focused money show where a seasoned CPA and a co-host guide listeners through real-world finances with zero judgment. Episodes center on everyday money decisions—mortgages, taxes for freelancers, debt and estate concerns, and practical money moves—mixed with hands-on segments like 'Explain It Like I'm Broke,' 'The Envelope,' and audience Q&A. Notable for its candid storytelling, emphasis on accountability, and actionable takeaways (from saving strategies to evaluating class-action settlements), the program blends educational guidance with personal finance coaching and a steady stream of new tools and checklists that listeners can apply immediately. A standout trait is the consistent focus on breaking ... more

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Which podcasts are similar to Becoming Financially Confident?

These podcasts share a similar audience with Becoming Financially Confident:

1. Truth Unveiled with Ralph
2. NerdWallet's Smart Money Podcast
3. Crime Junkie
4. Pod Save America
5. Casual Preppers Podcast - Prepping, Survival, Entertainment.

How many episodes of Becoming Financially Confident are there?

Becoming Financially Confident launched 9 years ago and published 1309 episodes to date. You can find more information about this podcast including rankings, audience demographics and engagement in our podcast database.

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What guests have appeared on Becoming Financially Confident?

Recent guests on Becoming Financially Confident include:

1. Mark Lawley
2. Tina Poole
3. Jason Bochniak
4. Karen Hackman
5. Craig Van Slyke
6. Dr. Craig Van Slyke
7. Dr. Alex Watson
8. Paul Granger

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