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Breaking free from financial shame, one conversation at a time. Becoming Financially Confident is a live weekday show for people who want to get their money in order without being lectured, judged, or sold something. Host Ralph Estep Jr. is a Licensed Public Accountant with more than 30 years across the desk from real people and real money, and his own expensive mistakes to show for it. Every show takes one real money problem and works it through to something you can do today. Budgeting, debt, taxes, credit, side hustles, scams, and the retirement you haven't started yet. Most people aren't bad with money. They're ashamed of it. This show is where that stops.