Credit Utilization Explained: The 1% to 9% Credit Score Sweet Spot
Hosts: Ralph Estep Jr., LPA & Juliet, first-time entrepreneur In this episode of Becoming Financially Confident , Ralph Estep Jr. explains W...
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Ask Ralph
Looking to take your financial knowledge to the next level? Whether you are looking to save taxes or improve your business, Ask Ralph will bring you new information designed to make the comp...
Episodes
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Why 42% of Adult Children Expect No Inheritance From Their Parents
Hosts: Ralph Estep Jr, a licensed public accountant of over 30 years + Juliet, a first-time entrepreneur. Here's what we got into today: Ave...
Do Mileage Cards Make You Spend More? Buy Now Pay Later and Car Warranties
Hosts: Ralph Estep Jr, a licensed public accountant of over 30 years + Juliet, a first-time entrepreneur. Here's what we got into today: Wha...
BFC Weekly Recap: Fake Bank Logins, Widow Fraud, and a $200 Amazon Refund
Hosts: Ralph Estep Jr, a licensed public accountant of over 30 years + Juliet, a first-time entrepreneur. This week was heavy on scams and m...
A Mortgage Lender Explains Why You Should Date the Rate, Not the Headlines
Hosts: Ralph Estep Jr, a licensed public accountant of over 30 years + Juliet, a first-time entrepreneur. Here's what we got into today: The...
Why TurboTax's Mistake Led to a $10,000 IRS Bill and 50% Penalty
Hosts: Ralph Estep Jr, a licensed public accountant of over 30 years + Juliet, a first-time entrepreneur. Here's what we got into today: A f...
$1,000 Kids Savings Account, FSA Deadlines, and Your Airline Refund Rights
Hosts: Ralph Estep Jr, a licensed public accountant of over 30 years + Juliet, a first-time entrepreneur. Here's what we got into today: Con...
The Dollar Job Framework: How to Discover Where Your Money Goes
Hosts: Ralph Estep Jr, a licensed public accountant of over 30 years + Juliet, a first-time entrepreneur. Here's what we got into today: A M...
How a $694 Million Settlement Wipes Out Car Loan Debt, Even After Repossession
Hosts: Ralph Estep Jr, a licensed public accountant of over 30 years + Juliet, a first-time entrepreneur. Here's what we got into today: Amw...
BFC Weekly Recap: A $250,000 Catfish Scam, a Reverse Mortgage Mistake, and a Stolen Checkbook
Hosts: Ralph Estep Jr, a licensed public accountant of over 30 years + Juliet, a first-time entrepreneur. Here are some of the highlights fr...
3 Numbers to Check on Your Auto Insurance Declaration Page
Hosts: Ralph Estep Jr, a licensed public accountant of over 30 years + Juliet, a first-time entrepreneur. Here's what we got into today: Ren...
An Accountant Reacts to a $1.3 Million Love Scam and Our Own Timeshare Regrets
Hosts: Ralph Estep Jr, a licensed public accountant of over 30 years + Juliet, a first-time entrepreneur. Here's what we got into today: The...
What's on your credit report, and is Rover worth your time
Hosts: Ralph Estep Jr, a licensed public accountant of over 30 years + Juliet, a first-time entrepreneur. Here's what we got into today: Why...
Savings Account vs 529 vs the New Trump Account for a New Grandbaby
Join Ralph Estep Jr (licensed public accountant) & Juliet (not an accountant) as they dive into: What options are there saving for a grandch...
Overdraft Fees, Unclaimed State Money, and How Balance Transfers Really Work
Hosts: Ralph Estep Jr, a licensed public account of over 30 years + Juliet, a first-time entrepreneur Here's what we got into today: I broke...
BFC Weekly Recap: Mortgage Rates Hit 6.71%, the New $2,000 1099 Rule, and Who Owes Debt After Death
Happy Saturday, everybody! Mortgage rates just climbed to a 13-month high, the IRS changed the 1099 threshold to $2,000, and I finally answe...
She Finally Understood Why Her Husband Was Fine With Debt
Happy Friday! Before you sign anything with a debt collector on the phone, there's a letter that can stop them in their tracks, and there's...
He was a spender, and she was a saver. It almost broke their marriage.
For thirty years people have handed me their tax documents and their secrets in the same folder. Today I handed Juliet mine. I'm Ralph Estep...
Should You Rent Your Car on Turo? The Costs, Taxes, and Insurance Nobody Mentions
Ralph Estep Jr. here, licensed public accountant, thirty years in the business, still finding new ways to get surprised by what people don't...
Why 37 Percent of Adults Can't Cover a $400 Emergency and How to Fix It
The Federal Reserve asks Americans the same question every year: if you got hit with an unexpected $400 expense right now, how would you pay...