Doing Better with Money By Talking About It with Ralph Estep Jr - 184

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In this episode, I’m joined by Ralph Estep Jr., a seasoned financial coach and host of The Ask Ralph Show. We dive into why simply talking about money can be the game-changer you need to make smarter financial decisions. Ralph and I swap some crazy credit union stories, reflect on the importance of financial literacy, and explore how humility, simplicity, and consistency are core traits of financial success. You’ll walk away from this episode feeling empowered to talk more openly about money and build better habits, one conversation at a time.

💰 This Week’s Money Talking Points

1. What’s a financial mistake you’ve learned to avoid because of others?
2. How important are regular money talks to you?
3. Which of the 5 traits do you need to work on to do better with your money? (Intentionality, Discipline, Learning, Generosity, Gratefulness)

⏱️ Key Timestamps

[02:00] – Quitting my job to become a CFP + why regular money talks made it possible

[04:00] – Why money talks matter: Learning from others' mistakes

[06:30] – Missed opportunities when you don’t talk about money (like prepaying your mortgage)

[08:30] – The power of starting young and saving early

[10:30] – Even high earners live paycheck to paycheck—here’s why

[12:00] – Employer match = free money. Why are you stepping over it?

[16:30] – My hot take on credit card hacking and keeping things simple

[20:00] – Emergency fund reality check: Start with $10/week

[24:00] – Conversations = solutions. Don’t suffer in silence

[27:30] – Let go of shame. Today can be your fresh financial start

[29:00] – Ralph’s 5 traits of financially successful people

🔗 Mentions & Resources

Ralph Estep Jr.'s Website: FinanciallyConfidentChristian.com

FREE BOOK: Mastering Your Finances: financiallyconfidentchristian.com/master

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"Upbeat Forever" Kevin MacLeod (incompetech.com) Licensed under Creative Commons: By Attribution 3.0 http://creativecommons.org/licenses/by/3.0/

Want to be a guest on Money Talk? Send Skyler Fleming a message on PodMatch, here: https://www.podmatch.com/hostdetailpreview/1636686037273x290834786321762400