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The Content Creator's Accountant

The Content Creator's Accountant

By: Ralph Estep Jr.
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About this listen

Where business meets creativity — and clarity meets cash flow. You’ve got the ideas, the passion, and the drive. But let’s be honest — turning that creative energy into a profitable, sustainable business can feel overwhelming. I’m Ralph Estep Jr. — a licensed accountant, business coach, and fellow creator behind Ask Ralph Media — and I’m here to help you make sense of the money side of your creative business. Each week, I pull back the curtain on the financial side of the creator economy — from taxes and pricing to systems, scaling, and strategy — so you can stop guessing and start growing with confidence. No fluff. No hype. Just real-world advice from someone who’s helped hundreds of creators build businesses that actually support their lives — not drain them. Whether you’re a YouTuber, podcaster, freelancer, or coach, this show will help you: ✅ Structure your business the smart (and tax-efficient) way ✅ Understand your numbers so you can make data-driven decisions ✅ Protect your income from burnout, bad advice, and the IRS ✅ Build a business that supports your creative calling It’s time to get your finances as dialed-in as your content. So hit follow and join me each week on The Content Creator’s Accountant — where I help you turn your creativity into a business that truly pays off.Ask Ralph Media, Inc. Economics
Episodes
  • Avoid These 5 Common Creator Business Mistakes
    Jan 20 2026

    If you’re a creator hustling hard but still feeling the financial pinch, this one’s for you. In this episode, I’m diving deep into Avoid These 5 Common Creator Business Mistakes that could be quietly draining your wallet without you even realizing it. We’re talking about the stuff that keeps you up at night—mixing personal and business funds, trusting platform dashboards way too much, and pushing taxes to the back burner. My goal is to help you whip your financial game into shape so you can focus on creating without the constant stress. By the end of this episode, you’ll have clear, practical steps to cut through the fog and take real control of your creator journey. Let’s get into it.

    Read today's blog article

    Check out the full podcast episode here

    Ever feel like you’re just spinning your wheels in this creator game? Trust me, I get it. That’s why today I’m diving headfirst into the murky waters of creator finances—the stuff most people completely skip over. You know those quiet moments when you’re brushing your teeth and that annoying question pops into your head: “Am I even doing the money part right?” Yeah… I’ve been there too. You’re out here posting videos, editing until your eyes are blurry, pouring everything into your content—and yet when it comes to the money, it feels like you’re walking through a fog. In this episode, I’m peeling back the layers on five sneaky creator mistakes that might be costing you way more than just time. Think mixing personal and business funds isn’t a big deal? Spoiler alert: it is. Trusting platform dashboards instead of doing your own tracking? You might want to rethink that. Don’t even get me started on taxes—they have a way of sneaking up on you like an uninvited guest at a party. I’m sharing this from both sides of the table—30 years in the accounting world and life as a creator myself. I’ll walk you through how to cut through the chaos, create some calm, and turn your passion project into a legit, thriving business without losing your mind in the process. So grab a snack, kick back, and let’s start fixing those money habits—one step at a time.

    Takeaways:

    1. Creators often feel overwhelmed by the business side of things, leading to anxiety and confusion.
    2. It's super important to separate personal and business finances to gain clarity and reduce stress.
    3. Tracking your actual received income rather than estimated earnings helps avoid financial panic and confusion.
    4. Setting aside a percentage for taxes from the get-go can save you from future financial surprises and stress.

    Links referenced in this episode:

    1. contentcreatorsaccountant.com/helpme

    Companies mentioned in this episode:

    1. AdSense
    2. PayPal
    3. Stripe

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    24 mins
  • LLC vs. S-Corp: What’s Right for You in 2026?
    Jan 13 2026

    Today, I want to take a closer look at business structures for creators, specifically the differences between LLCs and S Corps. I know how overwhelming it can feel to make the right choice, but I’ve learned that clarity always beats confidence. If you’ve ever questioned whether you’re making the best decision for your business, I want to guide you through it. We’ll explore how to separate your personal and business finances, when an LLC might be the ideal choice, and how an S Corp could help you save on taxes. This is my take on LLC vs. S-Corp: What’s Right for You in 2026? From my experience, navigating business structures requires thoughtful consideration. I’ve seen many creators pause in that familiar moment of uncertainty—knowing they need to make a decision but unsure which path is right. That quiet uncertainty can carry real consequences if ignored. By understanding the distinctions between LLCs and S Corps, and deciding which aligns with your goals in 2026, you can protect your business, optimize your finances, and move forward with confidence.

    Read today's blog article

    Check out the full podcast episode here

    Now, let’s get real about LLCs. They’re not a golden ticket to lower taxes; they’re a legal structure designed to keep your business and personal finances separate. Simply having an LLC doesn’t mean you’re using it correctly. I’ve seen creators who assumed they were fully protected, only to face harsh consequences when a brand deal went sideways—suddenly, everything landed on them personally. The key takeaway is this: an LLC is about risk management first, not just tax strategy. I’ve helped creators untangle their financial complexities by establishing systems and structures that actually work for them. When it comes to S Corporations, there’s a common misconception that they’re automatically a “step up.” In reality, an S Corp is simply a tax election, and it only saves you money if the numbers align. I remember working with a podcaster who jumped into S Corp territory on a whim, only to get overwhelmed by payroll requirements and unexpected fees. The lesson here is clear: don’t rush decisions based on trends or advice from TikTok. Take the time to understand your situation, build from the ground up, and ensure your structure supports your goals—without unnecessary financial stress. My goal is to help you set up your business in a way that lets you sleep easy at night, confident that it’s structured right. Together, we’ll break it down and find the structure that best fits your creative hustle.

    Takeaways:

    1. The key to navigating your creator business isn’t just about rushing into decisions; it’s about taking a step back and understanding your unique situation.
    2. When it comes to LLCs and S Corps, clarity trumps confidence every time; knowing your numbers is where it all starts.
    3. Creating a solid business structure matters, but it only works if you actually use it correctly; don’t mix personal with business.
    4. Don't just follow what worked for someone else; your creator journey is uniquely yours, so build your own setup that fits you.

    Links referenced in this episode:

    1. http://contentcreatorsaccountant.com/helpme

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    19 mins
  • STOP! Creators — Don’t File Taxes Until You Watch This
    Jan 6 2026

    How much cash have you unknowingly handed over to the IRS? Yeah, it’s a bummer—but STOP! Creators — Don’t File Taxes Until You Watch This. In this episode, I’m diving into the tax deductions most creators completely overlook, the kind that quietly leave hundreds or even thousands of dollars on the table every single year. I break it all down in plain English—no fancy jargon, no confusing loopholes—just real talk about what you can actually deduct so you keep more of your hard-earned cash. I walk you through five easy deductions that could save you serious money this year, from studio gear and internet bills to the phone you’re basically attached to all day. Grab a comfy seat, maybe a snack, and let me help you set things up so you keep more of what you earn while you’re out there creating magic.

    Read today's blog article

    Check out the full podcast episode here

    Ever wondered how much cash you’ve handed over to the IRS without even realizing it? Most creators have—and it’s honestly wild. I see creators leave hundreds, sometimes thousands of dollars on the table every single year. The crazy part is that it’s not because you’re doing anything wrong; no one ever sat you down and explained what you can actually deduct. That’s exactly why I’m breaking this down for you today. I’m diving into the golden nuggets of deductions every creator needs to know. I walk you through five simple, practical deductions that can save you serious money right now. Studio gear is a big one—if it helps you shoot, edit, or produce content, there’s a strong chance it’s deductible. I’ve seen creators assume they weren’t “big enough” to write off a $1,200 lens, only to realize they could and save $384 just by claiming it correctly. Subscriptions are another sneaky area. Those monthly fees for tools like Adobe, Canva, or other platforms add up fast, and if they support your content, they absolutely count. Phone and internet bills matter too, because let’s be honest—you’re online constantly for your business. Travel tied to your creative work can also be deductible, which surprises a lot of creators when they learn how it really works. By the end of this conversation, my goal is for you to feel confident about keeping more of your hard-earned cash where it belongs—in your pocket. Buckle up and let’s get into it.

    Takeaways:

    1. If you're a content creator, knowing what you can deduct is crucial to keeping your hard-earned cash instead of giving it all to the IRS.
    2. Many creators leave a ton of money on the table every year simply because they don’t know about potential deductions available to them.
    3. Your studio gear, subscriptions, and even your phone bills can often be deducted, so don't sleep on tracking these expenses!
    4. Documenting your expenses properly is a game changer, and using a dedicated business account can save you from losing deductions come tax season.
    5. Travel expenses related to content creation are often deductible, and documenting the purpose of your trips is key to claiming them.
    6. Setting up your business structure right from the start can save you a heap of trouble down the line, so don’t just wing it!

    Links referenced in this episode:

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    18 mins
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