Becoming Financially Confident kapak görseli

Becoming Financially Confident

Becoming Financially Confident

Yazan: Ralph V. Estep Jr.
Şimdi ücretsiz dinle, üyelik gerekmez

Season's Savings | £0.99/mo for 3 months

£5.99/mo after 3 months - terms apply. Cancel monthly
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. Günlük Personal Development Personal Success
Bölümler
  • Fake Medicare Ads, Down Payment Gift Letters, and the Fed’s Next Move

    Fake Medicare Ads, Down Payment Gift Letters, and the Fed’s Next Move
    28 Oct 2026

    In today’s episode, Ralph Estep Jr. and Juliet talk through whether Social Security will be there for millennials and how an engaged couple should handle $42,500 in debt before the wedding.

    In This Episode

    ✓ All 100 economists polled expect a Fed rate hike in December

    ✓ 40% of homeowners got family help with a down payment, and why lenders want a gift letter

    ✓ Fake Medicare ads can show up above the real site

    ✓ One Good Question: engaged with $42,500 in debt, where do you start?

    ✓ Side Hustle Corner: why a $50 yard job can pay about $11 an hour

    ✓ Social Security in 2032: what 78% of scheduled benefits means for your check

    ✓ Money Move: save $7 a day in a separate emergency account

    If you’ve ever wondered what Social Security will really pay you, this episode gives you the numbers to plan around.

    Resources

    Watch live:

    https://www.becomingfinanciallyconfident.com/live

    Giveaway:

    https://www.becomingfinanciallyconfident.com/giveaway

    Book a call:

    https://www.ralphestepjr.com/schedule

    Year-End Personal Tax Review:

    https://www.becomingfinanciallyconfident.com/yearend

    Be on the show:

    https://www.becomingfinanciallyconfident.com/stuck

    Medicare:

    https://www.medicare.gov

    Social Security Trustees Report:

    https://www.ssa.gov/oact/tr/2026/II_A_highlights.html

    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

    TikTok: https://www.tiktok.com/@becoming.financial

    Have a money question?

    Send it here:

    https://www.becomingfinanciallyconfident.com/voicemail

    Companies Mentioned

    Congaplex

    Instagram

    Kalshi

    Reuters

    LendingTree

    Netflix

    Google

    Apple

    Safari

    Opera

    Funko Pop

    Toyota

    McDonald’s
    Daha fazlasını göster Daha Az Göster
    1 sa. ve 2 dk.
  • Leaving a Job? Your 401(k) Options and What Cashing Out Really Costs

    Leaving a Job? Your 401(k) Options and What Cashing Out Really Costs
    27 Oct 2026

    In today’s episode, Ralph Estep Jr. and Juliet focus on what to do with your 401(k) when you leave a job, and why cashing it out can cost far more than most people expect.

    In This Episode

    ✓ The FTC sends $15.8 million in Cleo AI refunds by PayPal

    ✓ Consumer confidence jumps to 91.7 as gas prices ease

    ✓ Debt payments eat 52 cents of every dollar of income gain

    ✓ Carla’s $3,800 ER bill in collections and what to ask for first

    ✓ Your four 401(k) options after leaving a job

    ✓ Why cashing out can cost around 40%, and the 60-day rollover trap

    If you’ve ever left a job and wondered what happens to your 401(k), this episode walks you through every option.

    Resources

    Watch live:

    https://www.becomingfinanciallyconfident.com/live

    Giveaway:

    https://www.becomingfinanciallyconfident.com/giveaway

    Book a call:

    https://www.ralphestepjr.com/schedule

    Year-End Personal Tax Review:

    https://www.becomingfinanciallyconfident.com/yearend

    Be on the show:

    https://www.becomingfinanciallyconfident.com/stuck

    IRS rollover rules:

    https://www.irs.gov/retirement-plans/plan-participant-employee/rollovers-of-retirement-plan-and-ira-distributions

    FTC Cleo AI refunds:

    https://www.ftc.gov/enforcement/refunds/cleo-ai-refunds

    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

    Cleo AI

    PayPal

    Fidelity

    Vanguard

    Jeep

    Kubota

    Apple
    Daha fazlasını göster Daha Az Göster
    1 sa. ve 2 dk.
  • How Estimated Taxes Work When Your Freelance Income Jumps Around

    How Estimated Taxes Work When Your Freelance Income Jumps Around
    26 Oct 2026

    In today’s episode, Ralph Estep Jr. and Juliet explain how quarterly estimated taxes work for freelancers with uneven income, plus how to get paid faster and why overdraft fees can hurt your credit.

    In This Episode

    ✓ Average card balance hits $8,000 and one in five families are behind

    ✓ A $35 overdraft fee can follow you into credit denial

    ✓ Phone bill add-ons to look for

    ✓ Quarterly estimated taxes for uneven income

    ✓ Getting slow-paying commercial clients to pay faster

    ✓ Starting a 401(k) at 38 with $400 saved

    ✓ Save Week: $7 a day, $50 by Friday

    If you’ve ever wondered whether you’re sending the IRS the right amount, this episode gives you a simple place to start.

    Resources

    Watch live:

    https://www.becomingfinanciallyconfident.com/live

    Win Our Christmas Bonus giveaway:

    https://www.becomingfinanciallyconfident.com/giveaway

    Book a call:

    https://www.ralphestepjr.com/schedule

    Year-End Personal Tax Review:

    https://www.becomingfinanciallyconfident.com/yearend

    Be on the show:

    https://www.becomingfinanciallyconfident.com/stuck

    IRS estimated taxes:

    https://www.irs.gov/businesses/small-businesses-self-employed/estimated-taxes

    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

    Apple

    Verizon

    T-Mobile

    AT&T

    Starlink

    QuickBooks

    Samsung
    Daha fazlasını göster Daha Az Göster
    1 sa.
adbl_web_anon_alc_button_suppression_t1
Henüz yorum yok