Financially Confident Christian
Financially Confident Christian

Financially Confident Christian

Ralph V. Estep, Jr.

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Episodes

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2025 Best Christian Finance Podcast in the U.S. — Best of Best Review I believe money isn’t just about numbers — it’s about confidence, stewardship, and faith. If you’ve ever felt trapped in the cycle of financial shame, I want you to know — you’re not alone, and you don’t have to stay there. I’m Ralph Estep Jr., and on Financially Confident Christian, I help you blend Biblical wisdom with practical financial strategies so you can finally find peace with your money and purpose in your plans. Every day, you’ll get real-world steps you can take right now — no confusing jargon, no judgment — just daily encouragement, proven principles, and faith-driven clarity to help you break free, build confidence, and honor God with your resources. Whether you’re paying off debt, learning to budget with purpose, or dreaming of financial freedom, this show is your daily companion for faith-based financial growth. Your story isn’t defined by your past mistakes. It’s shaped by your next faithful step. So hit follow, and let’s walk this journey together — one decision, one prayer, one day at a time.

Recent Episodes

Drifting Without Direction? Will You Let God Lead Your Money?
DEC 15, 2025
Drifting Without Direction? Will You Let God Lead Your Money?
Ever feel like you’re just going through the motions with your finances but not really getting anywhere? Trust me, you’re not alone, and guess what? You’re not failing; you’re just drifting a bit. Drifting Without Direction? Will You Let God Lead Your Money? In this chat, we’re diving into how to stop that drift and start letting God lead your money journey. Instead of getting bogged down by numbers, we’re talking about the power of vision and purpose, which is way more important than any spreadsheet. So, if you’re ready to switch gears from just budgeting to embracing a mission that brings peace and direction, stick around! We’ve got some solid steps lined up to help you find that financial North Star.Read today's blog articleCheck out the full podcast episode hereManaging money can sometimes feel like running on a hamster wheel, doesn’t it? You’re putting in the effort, but you’re not really getting anywhere. That’s exactly the vibe I picked up from a listener who told me they feel stuck with their numbers but don’t have a clear vision. And honestly, I get it. Most of us jump straight into budgeting without understanding the deeper why behind our financial goals.In this episode, I flip the script: instead of starting with a budget, I start with a divine vision. I believe God doesn’t just want us crunching numbers, He wants to guide our financial journey with intention and purpose. I break down how letting God frame the vision can completely transform your relationship with money and keep you from drifting through life financially.Throughout the show, I share real stories from people who shifted their focus from purely numerical goals to faith-driven missions. One couple, for example, aligned their finances with a giving goal before even thinking about savings. Suddenly, their money had a mission, and everything else began to fall into place. By the end of the episode, I offer practical steps that help you let God lead your money decisions. It’s not just about making ends meet, it’s about living with clarity, intention, and faith.So if you’re feeling overwhelmed by the numbers, this episode is for you. Together, we’ll explore how your finances can serve a higher purpose. You might be surprised by how quickly peace replaces anxiety when your money aligns with God’s vision. By the time we wrap up, you’ll have the tools to turn budgeting from a chore into a powerful ministry tool. Let’s dive in and walk this out together!Takeaways: Managing money without a clear vision can feel like you're just drifting along. Starting with God's vision instead of just numbers can transform your financial journey. Having a purpose behind your financial goals creates real staying power and motivation. Peace comes from taking one faithful step at a time in your financial journey. Your budget should be a ministry tool, not just a restriction on your spending. God often provides peace before abundance, teaching us to prepare ourselves for what’s ahead. Links referenced in this episode:financiallyconfidentchristian.com/join💛 Join the Financially Confident Christian CommunityIf today’s episode encouraged you, we’d love to invite you to be part of something bigger — the Financially Confident Christian Community.This is where faith and finances come together — a growing family of believers supporting one another, sharing encouragement, and helping spread God’s truth about money.Your membership helps keep the show free for everyone while funding new devotionals, study guides, and outreach resources.👉 Learn more and join the mission at financiallyconfidentchristian.com/joinTogether, we’re helping believers everywhere break the cycle of financial shame and live with confidence in Christ. 🙏LISTEN NOWWATCH NOW ON YOUTUBE (OUR VIDEO VERSION)WATCH NOW ON RUMBLE (OUR VIDEO VERSION)Please share our Podcast with all your friends and family!Submit your questions or ideas for future shows - email us at [email protected] or leave a voicemail message on our podcast page Leave A Voicemail Message 
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10 MIN
Feeling Stalled? Which New Money Skill Will Grow You Next Year?
DEC 14, 2025
Feeling Stalled? Which New Money Skill Will Grow You Next Year?
We're diving into some real talk about financial growth today, and the big takeaway? Mastering just one financial skill can seriously boost your confidence and your wallet. Feeling Stalled? Which New Money Skill Will Grow You Next Year? We kick things off with a question about which skill to tackle first, and trust me, it’s not about hustling harder but focusing smarter. With only 27% of folks feeling ready to make a solid investment plan, it’s clear we're all a bit lost sometimes. So, let’s break it down, pick your lane, create a sweet 90-day plan, and watch that progress stack up. Join me as we explore how to turn confusion into clarity and start building some serious financial chops!Read today's blog articleCheck out the full podcast episode hereI kick things off with some real talk about growth and finances. Everyone wants to level up their money game, but let’s be honest, not many of us know where to start. Only 27% of adults in the U.S. feel confident about building a solid investment plan. Wild, right? Here’s what I’ve realized: it’s not that we’re lazy, it’s that we often feel completely lost in a sea of options.In this episode, I dive into what it really takes to build financial wisdom. I’ve learned that growth isn’t a happy accident; it’s something we choose to work on intentionally. The magic happens when we focus on mastering one financial skill at a time. Whether it’s budgeting, investing, or something else, choosing just one skill can bring massive clarity and peace of mind. So I walk you through how to pick that one skill and build a solid game plan for the new year.I really hone in on the value of clarity over chaos. I even share a listener’s inspiring story; she’s committed to mastering budgeting and plans to forecast every dollar by March. It’s all about breaking the big goals into manageable chunks. Instead of saying, “I’m going to conquer my finances this year,” I encourage us to think quarter by quarter. This episode is packed with practical steps: pick one skill, set a 90-day plan, and practice weekly. Those quick wins keep the motivation alive.I remind us that true learning comes from doing, not just listening to a podcast or reading a book. When we actually engage with our finances, it’s like exercising a muscle. We build confidence and create a positive feedback loop that keeps us moving forward.I wrap things up by encouraging you to share what you’re learning with someone else. Teaching solidifies our own understanding. This episode isn’t just about money; it’s about growth, intention, and community. I invite you to join the Financially Confident Christian movement so we can grow together. It’s not just about managing money; it’s about managing it God’s way. So grab your pen and paper, write down that one skill you want to master, and let’s crush it together!Takeaways: Only about 27% of US adults feel confident creating an investment plan, which is kinda wild. Choosing just one financial skill to focus on can lead to serious growth and clarity. Setting a 90-day plan for your financial goals makes them way more manageable and achievable. Practicing a skill regularly builds confidence and results, just like hitting the gym consistently. Sharing your financial goals with others helps solidify your learning and keeps you accountable. Remember, the best way to master a skill is to teach it to someone else; it really sticks! Links referenced in this episode:financiallyconfidentchristian.com/join💛 Join the Financially Confident Christian CommunityIf today’s episode encouraged you, we’d love to invite you to be part of something bigger — the Financially Confident Christian Community.This is where faith and finances come together — a growing family of believers supporting one another, sharing encouragement, and helping spread God’s truth about money.Your membership helps keep the show free for everyone while funding new devotionals, study guides, and outreach resources.👉 Learn more and join the mission at financiallyconfidentchristian.com/joinTogether, we’re helping believers everywhere break the cycle of financial shame and live with confidence in Christ. 🙏LISTEN NOWWATCH NOW ON YOUTUBE (OUR VIDEO VERSION)WATCH NOW ON RUMBLE (OUR VIDEO VERSION)Please share our Podcast with all your friends and family!Submit your questions or ideas for future shows - email us at [email protected] or leave a voicemail message on our podcast page Leave A Voicemail Message 
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10 MIN
Why Does Getting Organized Feel So Overwhelming?
DEC 13, 2025
Why Does Getting Organized Feel So Overwhelming?
Why Does Getting Organized Feel So Overwhelming? Ready to tackle that mess? We’re diving into the chaos of clutter and how to transform it into sweet, sweet peace. I’m talking about the three-bin method: scan, file, and shred. Seriously, it's like a magic trick for your paperwork! We all know how overwhelming it can be when papers start piling up, but hey, order isn't about being perfect, it's all about finding that calm in the storm. So, let’s kick those paper piles to the curb and reclaim your sanity because a clear desk equals a clear mind, my friend!Read today's blog articleCheck out the full podcast episode hereYou know the feeling, papers everywhere, digital files multiplying like rabbits, and that constant frustration of searching for a document you swear you just had in your hand. I get it, because I’ve been there too. In this episode, I’m sharing some of my own messy experiences, and honestly, it’ll probably feel like you’re looking in a mirror. Here’s what I’ve learned: order isn’t about being perfect, it’s about finding peace in the middle of the chaos. And really, who couldn’t use a little more peace?With my trusty three-bin method, I break down a simple game plan to start taming the mess: one bin for scanning, one for filing, and one for shredding. I even share a story about a couple who turned a cluttered nightmare into a well-organized system in just one afternoon. The point is, taking that first step isn’t just doable—it can actually feel empowering. When we take control of our space, we’re not just organizing; we’re creating room for clarity, calm, and peace.As the episode goes on, I dig into the practical steps for keeping that order. It’s not a one-time cleanup. It’s a lifestyle shift. I talk about building digital discipline, setting up a central hub for important files, and forming small habits that keep clutter from taking over again. With plenty of humor and real-life moments, I remind us that organization is a rhythm we can learn, not a task we complete once and forget.Takeaways: Getting organized isn’t just about being busy; it’s about creating peace in your life. The three bin method—scan, file, shred—can transform your chaos into calmness in no time. Order in your documents directly leads to more energy and less stress in your life. Keeping your space organized isn't a one-time gig; it's a rhythm that needs to be maintained regularly. Links referenced in this episode:financiallyconfidentchristian.com/join💛 Join the Financially Confident Christian CommunityIf today’s episode encouraged you, we’d love to invite you to be part of something bigger — the Financially Confident Christian Community.This is where faith and finances come together — a growing family of believers supporting one another, sharing encouragement, and helping spread God’s truth about money.Your membership helps keep the show free for everyone while funding new devotionals, study guides, and outreach resources.👉 Learn more and join the mission at financiallyconfidentchristian.com/joinTogether, we’re helping believers everywhere break the cycle of financial shame and live with confidence in Christ. 🙏LISTEN NOWWATCH NOW ON YOUTUBE (OUR VIDEO VERSION)WATCH NOW ON RUMBLE (OUR VIDEO VERSION)Please share our Podcast with all your friends and family!Submit your questions or ideas for future shows - email us at [email protected] or leave a voicemail message on our podcast page Leave A Voicemail Message 
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10 MIN
Why Do I Keep Saying ‘I’ll Do It Later?'
DEC 12, 2025
Why Do I Keep Saying ‘I’ll Do It Later?'
I’m diving into the procrastination trap today, and let me tell you—it’s a slippery slope! Why do I keep saying, “I’ll do it later?” A whopping 71% of us admit to putting things off, and honestly, I thought that number would be higher. We mean well, but our to-do lists just keeps piling up, right? I’m realizing that the secret sauce to breaking this cycle isn’t just motivation—it’s making those micro moves. So if I’m feeling stuck, I’m not going to sweat it; I’m focusing on taking that first step, even if it’s just for 10 minutes. I’m ready to kick those excuses to the curb and get moving!Read today's blog articleCheck out the full podcast episode hereProcrastination is like that annoying friend who never leaves when we want them to. In this chat, I dive deep into the struggle I—and pretty much everyone else—face with putting off those pesky money tasks. I even share some eye-opening stats—like how 20% of U.S. adults are chronic procrastinators (seriously, I thought it would be way higher!). And with 71% of us admitting to procrastinating, yeah… I’m definitely guilty of saying “I’ll do it later” way too often. I’ve got the goods on how to kick that habit to the curb, starting with something I call “micro moves.” These are tiny steps that get the ball rolling and help us shift from that stuck energy into real progress. It’s all about starting small. No need to climb Everest in one go; just need to lace up our boots and take a single step.I even share a personal story about how I finally set up a high-yield savings account after being lovingly put on blast by my wife. It took me just eight minutes! Eight minutes to transform my financial future. That experience really drove home the idea that the key isn’t motivation—it’s motion. I challenge the audience to name their blockers, whether it’s fear, confusion, or perfectionism, and face them head-on. By doing this, we can break the cycle of procrastination and start making progress. If I’ve been putting something off, all I need to do is grab a timer and commit to ten minutes of action. I’m always surprised by how much I can get done in such a short time!Takeaways: Procrastination is super common, with 71% of Americans fessing up to it, so don't sweat it too much. Breaking tasks into tiny, 10-minute actions can help turn procrastination into progress, trust me on this one. Naming your blockers is key; face what holds you back to make real moves forward. Starting small beats waiting for perfect conditions—just dive in and get rolling, peeps! Movement, not pressure, is what gets you unstuck; just take that first step, you'll feel the shift. Celebrate small wins because progress rewrites your story; every step counts in the journey. Links referenced in this episode:financiallyconfidentchristian.com/join💛 Join the Financially Confident Christian CommunityIf today’s episode encouraged you, we’d love to invite you to be part of something bigger — the Financially Confident Christian Community.This is where faith and finances come together — a growing family of believers supporting one another, sharing encouragement, and helping spread God’s truth about money.Your membership helps keep the show free for everyone while funding new devotionals, study guides, and outreach resources.👉 Learn more and join the mission at financiallyconfidentchristian.com/joinTogether, we’re helping believers everywhere break the cycle of financial shame and live with confidence in Christ. 🙏LISTEN NOWWATCH NOW ON YOUTUBE (OUR VIDEO VERSION)WATCH NOW ON RUMBLE (OUR VIDEO VERSION)Please share our Podcast with all your friends and family!Submit your questions or ideas for future shows - email us at [email protected] or leave a voicemail message on our podcast page Leave A Voicemail Message 
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11 MIN
Why Can’t I Keep My Financial Resolutions?
DEC 11, 2025
Why Can’t I Keep My Financial Resolutions?
So, here’s the lowdown: we’re diving into why those New Year’s resolutions tend to crash and burn faster than you can say “gym membership.” I mean, we’re all fired up in January, right? But by February, it’s like we’ve hit a wall. The truth is, it’s not about the willpower; it’s all about having a solid system in place. Why Can’t I Keep My Financial Resolutions? I chat about how to build habits that really stick around, and spoiler alert: simple changes are the way to go. So grab a snack, kick back, and let’s get into making those resolutions a little less “meh” and a lot more “heck yes!”Read today's blog articleCheck out the full podcast episode hereJanuary's like that friend who hypes you up with all the New Year energy, but by February, you're left hanging, feeling like you crashed and burned instead of soaring high. So, let's break it down: resolutions? Not everyone's jam, including me. Sure, they kick off with a bang, but then, bam, reality hits! It’s not about being undisciplined; it’s about having a solid system. James Clear, the guy behind 'Atomic Habits', nails it when he says we don’t rise to our goals but fall to our systems. So, if you find yourself struggling to keep those big plans alive, let’s chat about building habits that actually stick. It’s not about perfection; it’s about persistence. Life’s too short for that January hype to fade into February blues, right?Takeaways: January enthusiasm often crashes by February, but don't sweat it; persistence is key. Resolutions fail not because of laziness, but due to a lack of solid systems. Keep it simple! Focus on one small change instead of overwhelming yourself with too much. Track your progress like a boss; what gets measured gets managed and celebrated! Accountability with a buddy can keep your financial goals alive and kicking. Remember, excitement fades, but good habits are what really get you through the year. Links referenced in this episode:financiallyconfidentchristian.com/join💛 Join the Financially Confident Christian CommunityIf today’s episode encouraged you, we’d love to invite you to be part of something bigger — the Financially Confident Christian Community.This is where faith and finances come together — a growing family of believers supporting one another, sharing encouragement, and helping spread God’s truth about money.Your membership helps keep the show free for everyone while funding new devotionals, study guides, and outreach resources.👉 Learn more and join the mission at financiallyconfidentchristian.com/joinTogether, we’re helping believers everywhere break the cycle of financial shame and live with confidence in Christ. 🙏LISTEN NOWWATCH NOW ON YOUTUBE (OUR VIDEO VERSION)WATCH NOW ON RUMBLE (OUR VIDEO VERSION)Please share our Podcast with all your friends and family!Submit your questions or ideas for future shows - email us at [email protected] or leave a voicemail message on our podcast page Leave A Voicemail Message 
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11 MIN