Bonus Episodes

Gas is up almost 30% from last year, my flood insurance deadline is closer than I thought, and my paycheck isn't doing what I assumed. This is a preview before our daily live show later today at 11:30 AM Eastern. I'm Ralph Estep Jr., a licensed public accountant with 30 years in the business, and I'm joined by my cohost Juliet Chuang. Starting today, we're live every weekday at 11:30 AM Eastern talking about money without the shame. Takeaways: Inflation affects different expenses differen...

Alright, folks, let’s talk about No Spend September! This month, we’re diving into a challenge where we only buy what we absolutely need. Think of it as a financial detox: no impulse buys, no late-night snack runs, just the essentials—like rent, groceries, and maybe a little fuel for your ride. We’re aiming for freedom and discipline, not restrictions, as we discover the joy of living with less. So, grab your coffee, get comfy, and let’s figure out how to reset our finances and our faith togethe...

Worrying about your finances? Yeah, that might just be more than a bad habit—it’s actually a sin. Today, we’re diving into why stressing over dough is a big deal and how it can mess with your peace of mind. We’ll explore some wisdom straight from the Bible, reminding us that God’s got our backs when it comes to our needs. Instead of letting financial anxiety rule our lives, we’re chatting about how to swap that worry out for some good ol’ prayer and trust. So grab your favorite drink, kick back,...

Ralph Estep Jr. dives into a listener's burning question about budgeting stress, tackling the age-old dilemma of whether to ditch the budget when it feels like a weight on your shoulders. Sheila, the listener, is feeling the pressure, and Ralph starts by dissecting why budgeting can feel like a straight jacket instead of a tool for freedom. He relates budgeting to dieting—both can sound restrictive and daunting. But, he flips the script by suggesting we think of budgeting not as a restrictive me...