TheBitCast

Becoming Financially Confident

Autor: Ralph V. Estep, Jr.

Breaking Free from Financial Shame, one conversation at a time. Most money advice assumes you already know what you're doing. This show doesn't. Becoming Financially Confident is a live weekday show for people who want to get their financial life in order without being lectured, judged, or sold something. Host Ralph Estep Jr. is a Licensed Public Accountant with more than 30 years of experience sitting across the desk from real people and real businesses — the shoebox of receipts, the tax notice nobody wants to open, the budget that never quite balances. He has made his own expensive mistakes, and he ta...

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  1. Inherited IRA Rules: What the 10-Year Rule Means for Your Taxes – Becoming Financially Confident
  2. Target Date Funds Explained: The 401(k) Choice Most People Never Make – Becoming Financially Confident
  3. The Viral $200 Social Security Bonus Isn’t Real, and Your 3.6% Raise Nets $68 – Becoming Financially Confident
  4. BFC Weekly Recap: Surveillance Pricing, Credit Unions, Minimum Payments, and Debt Lawsuits – Becoming Financially Confident
  5. How a 40-Year Banker Paid Off $23,000 of Debt With a 401(k) Loan – Becoming Financially Confident
  6. IRS Employees Snooped 86 Times, and 175 Taxpayers Were Never Told – Becoming Financially Confident
  7. Debt Collectors Are Suing More and Winning: Why You Should Never Ignore a Summons – Becoming Financially Confident
  8. Banks vs. Credit Unions: Who Owns Your Money and Who Pays You More – Becoming Financially Confident
  9. Why Cashing Out an Old 401(k) Can Cost Around 40% and What to Do Instead – Becoming Financially Confident
  10. BFC Weekly Recap: A $600,000 Pig Butchering Scam and a $225,000 IRS Bill – Becoming Financially Confident
  11. 401(k) Loan Costs: Double Tax, Lost Growth, Job Loss Risk – Becoming Financially Confident
  12. 4 Car Buying Mistakes That Cost Thousands (Plus Ralph’s 20/4/10 Rule) – Becoming Financially Confident
  13. Good Debt vs. Bad Debt: Three Questions to Sort Every Debt You Carry – Becoming Financially Confident
  14. Making vs. Having vs. Keeping Money: Where Your Paycheck Really Goes – Becoming Financially Confident
  15. Social Security Benefits for Young Children, Costco for One, and Scam Calls – Becoming Financially Confident
  16. BFC Weekly Recap: IRS Collections, Adult Kids Moving Home, and Premium Gas – Becoming Financially Confident
  17. Splitting the Check Without Shame, and Why High Earners Don't Feel Rich – Becoming Financially Confident
  18. What Happens When You Ignore an IRS Notice, Plus the iPhone Siri Settlement – Becoming Financially Confident
  19. Credit Utilization Explained: The 1% to 9% Credit Score Sweet Spot – Becoming Financially Confident
  20. Why 42% of Adult Children Expect No Inheritance From Their Parents – Becoming Financially Confident
  21. Do Mileage Cards Make You Spend More? Buy Now Pay Later and Car Warranties – Becoming Financially Confident
  22. BFC Weekly Recap: Fake Bank Logins, Widow Fraud, and a $200 Amazon Refund – Becoming Financially Confident
  23. A Mortgage Lender Explains Why You Should Date the Rate, Not the Headlines – Becoming Financially Confident
  24. Why TurboTax's Mistake Led to a $10,000 IRS Bill and 50% Penalty – Becoming Financially Confident
  25. $1,000 Kids Savings Account, FSA Deadlines, and Your Airline Refund Rights – Becoming Financially Confident
  26. The Dollar Job Framework: How to Discover Where Your Money Goes – Becoming Financially Confident
  27. How a $694 Million Settlement Wipes Out Car Loan Debt, Even After Repossession – Becoming Financially Confident
  28. BFC Weekly Recap: A $250,000 Catfish Scam, a Reverse Mortgage Mistake, and a Stolen Checkbook – Becoming Financially Confident
  29. 3 Numbers to Check on Your Auto Insurance Declaration Page – Becoming Financially Confident
  30. An Accountant Reacts to a $1.3 Million Love Scam and Our Own Timeshare Regrets – Becoming Financially Confident