Inherited IRA Rules: What the 10-Year Rule Means for Your Taxes
In today's episode, Ralph Estep Jr. and Juliet explain what happens when you inherit a $48,000 traditional IRA, plus a fake bank fraud text,...
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Ask Ralph
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Episodes
20 of 1,288 episodes
Target Date Funds Explained: The 401(k) Choice Most People Never Make
In today’s episode, Ralph Estep Jr. and Juliet spend the whole show on 401(k)s, covering the fees nobody sends a bill for, the fund you may...
The Viral $200 Social Security Bonus Isn’t Real, and Your 3.6% Raise Nets $68
In today’s episode, Ralph Estep Jr. and Juliet break down what the 3.6% Social Security raise really nets after Medicare Part B, and why the...
BFC Weekly Recap: Surveillance Pricing, Credit Unions, Minimum Payments, and Debt Lawsuits
In this week’s recap, Ralph Estep Jr. and Juliet revisit the week’s best money moves, from surveillance pricing and credit card minimum paym...
How a 40-Year Banker Paid Off $23,000 of Debt With a 401(k) Loan
In today’s episode, Ralph Estep Jr. and Juliet sit down with retired banker Tina Poole and break down convenience store overcharging, AI bil...
IRS Employees Snooped 86 Times, and 175 Taxpayers Were Never Told
In today’s episode, Ralph Estep Jr. and Juliet explain how to calculate how much life insurance you need, and why Ralph’s own health nearly...
Debt Collectors Are Suing More and Winning: Why You Should Never Ignore a Summons
In today’s episode, Ralph Estep Jr. and Juliet focus on why debt collectors are suing more people and winning, and what to do the moment a s...
Banks vs. Credit Unions: Who Owns Your Money and Who Pays You More
In today’s episode, Ralph Estep Jr. and Juliet focus on understanding the differences between backs and credit unions, and why Ralph is such...
Why Cashing Out an Old 401(k) Can Cost Around 40% and What to Do Instead
In today’s episode, we unpack how much Amazon knows about you, cover a few money stories from the news, and answer listener questions, then...
BFC Weekly Recap: A $600,000 Pig Butchering Scam and a $225,000 IRS Bill
What do a $5.49 phone fee, a $55 weekly holiday plan, and a $225,000 IRS bill have in common? They can all change how much of your paycheck...
401(k) Loan Costs: Double Tax, Lost Growth, Job Loss Risk
Thinking about borrowing from your own 401(k)? This episode covers the four costs most people miss, plus a scam tax twist and the Zelle trap...
4 Car Buying Mistakes That Cost Thousands (Plus Ralph’s 20/4/10 Rule)
If you’ve ever walked onto a car lot without a number in mind, this episode shows you the four mistakes that cost people thousands and the 2...
Good Debt vs. Bad Debt: Three Questions to Sort Every Debt You Carry
If you've ever wondered whether the debt you carry is helping you or holding you back, this episode gives you three questions to find out. I...
Making vs. Having vs. Keeping Money: Where Your Paycheck Really Goes
What do a recalled grill brush, a 31% jump in Thanksgiving airfare, and a $5,000 raise have in common? They can all affect your wallet in wa...
Social Security Benefits for Young Children, Costco for One, and Scam Calls
In today’s episode, Ralph Estep Jr. and Juliet cover many topics. Today’s Topics ✓ T-Mobile’s fee increases to $5.49 per voice line ✓ What T...
BFC Weekly Recap: IRS Collections, Adult Kids Moving Home, and Premium Gas
This week on Becoming Financially Confident , Ralph Estep Jr., a licensed public accountant with more than 30 years of experience, and Julie...
Splitting the Check Without Shame, and Why High Earners Don't Feel Rich
Hosts: Ralph Estep Jr., LPA & Juliet, first-time entrepreneur What happens when even six-figure earners stop feeling high income? In this ep...
What Happens When You Ignore an IRS Notice, Plus the iPhone Siri Settlement
Hosts: Ralph Estep Jr., LPA & Juliet, first-time entrepreneur What happens when a small IRS notice sits unopened in your junk drawer? In thi...
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...
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...