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Doing Better with Money By Talking About It with Ralph Estep Jr - 184
Manage episode 489650258 series 3520760
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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
- What’s a financial mistake you’ve learned to avoid because of others?
- How important are regular money talks to you?
- 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
Sign up for my newsletter: https://money-talk.kit.com/64cbd24b05
Schedule a free Money Talk at https://moneytalk.show/chat
Get your free Money Talk resources at https://moneytalk.show/resources
Sign up for a free trial with MyBudgetCoach and select me as your money coach: https://www.mybudgetcoach.com/coaches/skyler-fleming
Find even more Money Talk at moneytalk.show/quick-links
"Upbeat Forever" Kevin MacLeod (incompetech.com) Licensed under Creative Commons: By Attribution 3.0 http://creativecommons.org/licenses/by/3.0/
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