Technology Posts

What to Do With an Inheritance That Grew in the Stock Market  A listener wrote in with a story that's more common than people admit. Her aunt left her $20,000 last year, and she invested it based on advice from someone she was dating at the t…

How to Stop Worrying About Money When You're Starting Over Later in Life  I got a letter recently from a woman turning 69 this year. She apologized to me twice before she even asked her question. She'd lost her mother's inheritance eighteen y…

Adult Child Moved Back Home? Here's How to Tell Helping From Enabling  Nearly half of parents this year say an adult child has moved back home. That's not a rare exception anymore. It's a documented, growing trend. So if your grown child is b…

How Big Should Your Emergency Fund Be When Layoffs Are Everywhere?  More than half of employed Americans say they're worried about losing their job this year. Layoff announcements keep showing up in the news, and a lot of them mention AI rest…

Is Your Work Life Insurance Actually Enough? Here's How to Find Out  Most people with life insurance through their job have never looked at the actual number. They just assume it's enough. That assumption is worth questioning, especially sinc…

Retirement feels far away, until one day it isn't. If you've ever wondered whether you're actually saving enough, you're asking one of the most important financial questions you'll ever face. How Much Should You Save for Retirement? 5 Steps to Kno…

5 Things I Tell Anyone Drowning in Medical Debt They Never Asked For  You didn't overspend. You didn't make a dumb choice. You got sick, or someone you love did, and the bills buried you anyway.  That's the reality a listener wrote to me…

You got the degree. You did what they told you. The door closed anyway. Maybe it happened fast, six months from graduation to rejection. Or maybe it happened slowly, years of lateral moves and dead ends, watching the ladder go nowhere. But either …

You're two months away from a seven-year-old debt disappearing. The car broke down years ago. You stopped paying. And now you're thinking about buying a house and getting a new car within the next year. Do you pay it off now, or let it fall away…

In an age where financial stress seems like a common life companion, many of us find ourselves drowning in credit card debt. It's like making a monthly payment is a mere tread on a never-moving treadmill, isn’t it? I’m Ralph Estep Jr., and today I…

Have you ever logged into your credit app only to feel your heart sink? The numbers staring back at you aren't what they used to be. Maxed-out credit cards and a high utilization rate have your credit score on a slippery slope, making you wonder a…

Have you ever felt like you're fighting a losing battle with your debt? You diligently make every minimum payment, yet the debt doesn't seem to go away, and it's as if you're merely treading water. That creeping sense of failure, that whisper of sha…

That missed payment feels higher than it should, doesn't it? It's not just about the number dropping—it's the shame and that sinking feeling of, "Man, I messed up again, and now it's on my record forever." The fear behind it's real. What if I can't …

In today's world, your financial security extends beyond budgeting and savings. With most of our financial activities happening online, it's crucial to take proactive steps to ensure our money and private information remain secure. If you've ever fe…

As the year winds down, only one in three people takes the time to create a year-end financial checklist. Yet, those who do report experiencing 50% less stress. If you're craving tranquility amidst the usual December chaos, the secret lies not in lu…

In the modern age of digital wisdom, where information is just a click away, an intriguing question arises: Are we prioritizing the right aspects of growth in our personal and professional lives? Behavior vs. Knowledge: Why Your Habits Matter More T…

Investing can often feel overwhelming, like you're searching for the proverbial needle in a haystack. But what if there was a simple way to invest, akin to pressing that 'easy button' from a few years back? Unlocking Financial Confidence: The Easy W…

We recently received a thought-provoking question from a listener: "Ralph, I feel like I've built some momentum with my money, but now I'm asking myself what's next? Do I stay here, or is God nudging me to trust Him more?" This question resonated de…

Does your phone feel glued to your hand? Do you find yourself constantly scrolling, clicking, and browsing online? Beyond draining your attention, all that screen time might be silently draining your bank account. Let’s explore how you can reclaim b…

How Secure Is Your Phone? 9 Shocking Risks You Might Be Ignoring In today's world, our phones are practically an extension of ourselves. We use them for everything from banking and shopping to staying connected with loved ones and accessing vital i…

Locked Out of E-filing? The Secret PIN That Changes Everything! Have you ever been ready to e-file your taxes, only to be stopped in your tracks by a missing PIN? It can be frustrating, especially when you're trying to get your taxes done on time a…

Is ID.me the Future of Digital Identity, or a Privacy Nightmare? ID.me is rapidly becoming a household name, offering a convenient way to verify your identity online for everything from government services to retail discounts. But with convenience …

16 Ways Tech Can Make Life Easier for Older People Welcome back to the Daily Christian Finance Podcast! Did you know that smartphone adoption is now over 60% for people over 70 years old¹? It's clear that technology is changing the way we live, and…

What Are the Top 7 Reasons Why I Should Not Open a CD? For many savers, a Certificate of Deposit (CD) seems like an ideal solution for safety and guaranteed returns. However, it’s essential to consider whether this option aligns with your financial…