Ask Ralph Podcast: Mastering Your Finances with a Christian Perspective

Recent Episodes

March 28, 2024

Death and Taxes

Dealing with taxes after a loved one's passing? Let's navigate this together! Join Ralph Estep, Jr., as he breaks down death and taxes and provides a roadmap for managing the process during this emotional time. Please sha…
March 27, 2024

Advertising Fails and Mishaps

Ever seen a business ad that left you scratching your head? Join Ralph Estep, Jr., as he explores advertising fails and mishaps. Listen in for a good laugh and some key takeaways!
March 26, 2024

Taxation of Cryptocurrency

Curious about how to navigate cryptocurrency taxes? Join Ralph Estep, Jr., as he breaks down everything you need to know about taxation of cryptocurrency.  From key definitions to tax strategies, we've got you covered. Tune …
March 25, 2024

5 Ways to Payoff Credit Cards

Struggling with credit card debt? Join Ralph Estep, Jr., as he shares 5 practical steps to help you conquer and payoff credit cards for good!  Please share our Podcast with all your friends and family!
March 24, 2024

Give it over to God

Feeling overwhelmed with finances? Our podcast episode "Give it over to God" provides a roadmap to align your financial goals with God's purpose. Take the first step towards financial freedom today! Please share our Podca…
March 23, 2024

Deciphering Reverse Mortgages

Considering a reverse mortgage? Our latest episode dives deep into the pros, cons, and steps to take before making this financial decision. Join Ralph Estep Jr, as he works on deciphering reverse mortgages.

Recent Blog Posts

Unveiling Marketing Mishaps: Lessons from Ads that Missed Their Mark

Unveiling Marketing Mishaps: Lessons from Ads that Missed Their Mark As we navigate the vast landscape of advertising in today's world, we often come across business ads that leave us puzzled, scratching our heads, and questioning the thought proce…

Demystifying Crypto Taxation: A Comprehensive Guide

Demystifying Crypto Taxation: A Comprehensive Guide Cryptocurrency has taken the financial world by storm, with digital assets like Bitcoin and Ethereum becoming increasingly popular avenues for investment and transactions. However, as the crypto m…

How to Strategically Slay Credit Card Debt: A 5-Step Plan

How to Strategically Slay Your Credit Card Debt: A 5-Step Plan Are you feeling overwhelmed by high-interest credit card debt? Do you find yourself struggling to make progress in paying off those balances? You're not alone. Many individuals face sim…

About the Host

Ralph V. Estep, Jr.Profile Photo

Ralph V. Estep, Jr.

Accountant, Author, Farmer and Podcast Host

Ralph V. Estep, Jr. is a highly accomplished professional with a diverse background in finance, accounting, technology, and entrepreneurship. As the principal at Saggio Management Group, Inc., he has demonstrated exceptional leadership and expertise in various roles throughout his career.

Ralph's educational journey began at St. Mark's High School in Newark, Delaware before attending the University of Nebraska where he was an esteemed member of the Cornhusker Marching Band and had the privilege of performing at the Florida Citrus Bowl in Orlando.

Continuing his pursuit of knowledge and excellence, Ralph earned a Bachelor of Science Degree in Accounting from the University of Delaware. He further expanded his academic achievements by obtaining a Master's in Business Administration from Wilmington University.

Throughout his professional journey, Ralph has been recognized for his outstanding accomplishments and commitment to excellence. He is a member of prestigious organizations such as the Golden Key National Honor Society and Beta Gamma Sigma International Business Honor Society.

With an extensive range of professional designations including Licensed Public Accountant (LPA), Accredited Business Accountant (ABA), Accredited Tax Advisor (ATA), Accredited Tax Preparer (ATP), and Internal Revenue Service Registered Tax Preparer (RTRP), Ralph possesses comprehensive expertise in tax preparation and financial management.

Beyond his impressive qualifications, Ralph has actively engaged with various community programs as bo… Read More