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In today’s episode, Ralph Estep Jr. and Juliet answer a listener with a 704 credit score and nothing in savings, and explain where to start. They also cover paychecks that disappear, Halloween debt, and whether buying equipment for a tax write off makes sense. In This Episode ✓ Denise has a 704 credit score, $6,000 across two cards, and $0 saved, so where does she start? ✓ Andre earns good pay and still waits on the next paycheck ✓ Halloween spending is projected at $13.5 billion, and 24% of celebrators expect to use debt ✓ A $1,000 inflatable splurge splits a family ✓ One Good Question: is an $18,000 year-end purchase worth it for the deduction? ✓ Why merchant cash advances can sink a small business ✓ Wins of the week A good credit score does not mean you are financially stable. If your score looks fine but your savings account is empty, this episode gives you a first step. Resources Watch live: https://www.becomingfinanciallyconfident.com/live Win Our Christmas Bonus: https://www.becomingfinanciallyconfident.com/giveaway Book a call: https://www.ralphestepjr.com/schedule Year-End Personal Tax Review, $199: https://www.becomingfinanciallyconfident.com/yearend Be on the show: https://www.becomingfinanciallyconfident.com/stuck NRF Halloween survey: https://nrf.com/media-center/press-releases/nrf-halloween-survey-shows-consumer-spending-expected-to-reach-13-5-billion LendingTree Halloween study: https://www.lendingtree.com/credit-cards/study/halloween-splurges/ Follow Becoming Financially Confident LinkedIn: https://www.linkedin.com/company/becomingfinanciallyconfident Facebook Group: https://www.facebook.com/share/g/1HpWqv8jp9/ Instagram: https://www.instagram.com/becomingfinanciallyconfident Skool Community: https://www.skool.com/becoming-financially-confident-7556 TikTok: https://www.tiktok.com/@becoming.financial Have a money question? Send it here: https://www.becomingfinanciallyconfident.com/voicemail Companies Mentioned Slate National Retail Federation LendingTree The Financial Gym Ecamm Facebook TikTok Wawa Royal Farms Chevrolet Hummer Hershey’s Charmin Apple

In today's episode, Ralph Estep Jr. and Juliet explain why a credit card limit is not an emergency fund, plus what late tax filers owe and why a bride billed her wedding guests $350. In This Episode ✓ Third-quarter GDP grows 3.4% as September inflation hits 3.6% ✓ What late filers owe after the October 15 extension deadline ✓ How a leaky toilet runs up your water bill ✓ A bride bills every wedding guest $350 ✓ One Good Question: can a $12,000 card limit count as your emergency fund? ✓ An Accountant Reacts: Ralph's RV dream and the life he wants to fund ✓ What It Cost Ralph: the $6,000 repair a week after his first home purchase If you've ever counted your credit limit as savings, this episode will make you rethink it. Resources Join us live (Monday through Friday, 11:30 AM Eastern): https://www.becomingfinanciallyconfident.com/live Enter the Christmas Bonus giveaway: https://www.becomingfinanciallyconfident.com/giveaway Book a call with Ralph: https://www.ralphestepjr.com/schedule Year-End Personal Tax Review ($199): https://www.becomingfinanciallyconfident.com/yearend Be on the show: https://www.becomingfinanciallyconfident.com/stuck IRS failure to file penalty: https://www.irs.gov/payments/failure-to-file-penalty EPA Fix a Leak Week: https://www.epa.gov/watersense/fix-leak-week Follow Becoming Financially Confident LinkedIn: https://www.linkedin.com/company/becomingfinanciallyconfident Facebook Group: https://www.facebook.com/share/g/1HpWqv8jp9/ Instagram: https://www.instagram.com/becomingfinanciallyconfident Skool Community: https://www.skool.com/becoming-financially-confident-7556 TikTok: https://www.tiktok.com/@becoming.financial Have a money question? Send it here: https://www.becomingfinanciallyconfident.com/voicemail Companies Mentioned Venmo Newsweek The Knot TikTok Instagram United Airlines Pace Arrow Starlink Google Meet PiBank Peak Bank EverBank Marcus Ally Capital One

In today’s episode, Ralph Estep Jr. and Juliet talk through whether Social Security will be there for millennials and how an engaged couple should handle $42,500 in debt before the wedding. In This Episode ✓ All 100 economists polled expect a Fed rate hike in December ✓ 40% of homeowners got family help with a down payment, and why lenders want a gift letter ✓ Fake Medicare ads can show up above the real site ✓ One Good Question: engaged with $42,500 in debt, where do you start? ✓ Side Hustle Corner: why a $50 yard job can pay about $11 an hour ✓ Social Security in 2032: what 78% of scheduled benefits means for your check ✓ Money Move: save $7 a day in a separate emergency account If you’ve ever wondered what Social Security will really pay you, this episode gives you the numbers to plan around. Resources Watch live: https://www.becomingfinanciallyconfident.com/live Giveaway: https://www.becomingfinanciallyconfident.com/giveaway Book a call: https://www.ralphestepjr.com/schedule Year-End Personal Tax Review: https://www.becomingfinanciallyconfident.com/yearend Be on the show: https://www.becomingfinanciallyconfident.com/stuck Medicare: https://www.medicare.gov Social Security Trustees Report: https://www.ssa.gov/oact/tr/2026/II_A_highlights.html Follow Becoming Financially Confident LinkedIn: https://www.linkedin.com/company/becomingfinanciallyconfident Facebook Group: https://www.facebook.com/share/g/1HpWqv8jp9/ Instagram: https://www.instagram.com/becomingfinanciallyconfident Skool Community: https://www.skool.com/becoming-financially-confident-7556 TikTok: https://www.tiktok.com/@becoming.financial Have a money question? Send it here: https://www.becomingfinanciallyconfident.com/voicemail Companies Mentioned Congaplex Instagram Kalshi Reuters LendingTree Netflix Google Apple Safari Opera Funko Pop Toyota McDonald’s

In today’s episode, Ralph Estep Jr. and Juliet focus on what to do with your 401(k) when you leave a job, and why cashing it out can cost far more than most people expect. In This Episode ✓ The FTC sends $15.8 million in Cleo AI refunds by PayPal ✓ Consumer confidence jumps to 91.7 as gas prices ease ✓ Debt payments eat 52 cents of every dollar of income gain ✓ Carla’s $3,800 ER bill in collections and what to ask for first ✓ Your four 401(k) options after leaving a job ✓ Why cashing out can cost around 40%, and the 60-day rollover trap If you’ve ever left a job and wondered what happens to your 401(k), this episode walks you through every option. Resources Watch live: https://www.becomingfinanciallyconfident.com/live Giveaway: https://www.becomingfinanciallyconfident.com/giveaway Book a call: https://www.ralphestepjr.com/schedule Year-End Personal Tax Review: https://www.becomingfinanciallyconfident.com/yearend Be on the show: https://www.becomingfinanciallyconfident.com/stuck IRS rollover rules: https://www.irs.gov/retirement-plans/plan-participant-employee/rollovers-of-retirement-plan-and-ira-distributions FTC Cleo AI refunds: https://www.ftc.gov/enforcement/refunds/cleo-ai-refunds Follow Becoming Financially Confident LinkedIn: https://www.linkedin.com/company/becomingfinanciallyconfident Facebook Group: https://www.facebook.com/share/g/1HpWqv8jp9/ Instagram: https://www.instagram.com/becomingfinanciallyconfident Skool Community: https://www.skool.com/becoming-financially-confident-7556 Have a money question? Send it here: becomingfinanciallyconfident.com/voicemail Companies Mentioned Cleo AI PayPal Fidelity Vanguard Jeep Kubota Apple

In today’s episode, Ralph Estep Jr. and Juliet explain how quarterly estimated taxes work for freelancers with uneven income, plus how to get paid faster and why overdraft fees can hurt your credit. In This Episode ✓ Average card balance hits $8,000 and one in five families are behind ✓ A $35 overdraft fee can follow you into credit denial ✓ Phone bill add-ons to look for ✓ Quarterly estimated taxes for uneven income ✓ Getting slow-paying commercial clients to pay faster ✓ Starting a 401(k) at 38 with $400 saved ✓ Save Week: $7 a day, $50 by Friday If you’ve ever wondered whether you’re sending the IRS the right amount, this episode gives you a simple place to start. Resources Watch live: https://www.becomingfinanciallyconfident.com/live Win Our Christmas Bonus giveaway: https://www.becomingfinanciallyconfident.com/giveaway Book a call: https://www.ralphestepjr.com/schedule Year-End Personal Tax Review: https://www.becomingfinanciallyconfident.com/yearend Be on the show: https://www.becomingfinanciallyconfident.com/stuck IRS estimated taxes: https://www.irs.gov/businesses/small-businesses-self-employed/estimated-taxes Follow Becoming Financially Confident LinkedIn: https://www.linkedin.com/company/becomingfinanciallyconfident Facebook Group: https://www.facebook.com/share/g/1HpWqv8jp9/ Instagram: https://www.instagram.com/becomingfinanciallyconfident Skool Community: https://www.skool.com/becoming-financially-confident-7556 Have a money question? Send it here: becomingfinanciallyconfident.com/voicemail Companies Mentioned Apple Verizon T-Mobile AT&T Starlink QuickBooks Samsung

This week was know your numbers week, so I’m here to tell you what stuck, what was hard, and three numbers to carry into next week. The big win was Mark Lawley’s “just in case” folder — a tidy place with passwords and instructions so his family won’t have to guess if something happens. The tough part was Mark grieving his mom and asking real questions about inheritance and IRAs, and we spent the time that needed to be spent. We hit some wild stats — like how a 1% fee can eat about 28% of your retirement over a career and how millions of forgotten 401(k)s hold real money. My money move for the month is to find $250 for your future, we started with $25 this week and next we’re hunting for $7 a day. If you’re stuck, come on the show — go to becomingfinanciallyconfident.com/stuck and tell me where you need help. Thanks for listening to my weekly reflections — I’ll see you Monday. I popped into the studio for a chill 10-minute rundown and I’m calling it my reflections episode. I want to tell you what stuck, what was rough, and which three numbers you should carry with you. Big win: Mark Lawley’s “just in case” folder blew my mind. He’s got passwords, devices, and plans all in one place so his family won’t guess what to do. That landed hard because last week was all about knowing your numbers. We also celebrated real listener wins — people cutting subscriptions and stashing cash. On the flip side, Mark was grieving his mom and we spent the time needed to walk through inheritance and IRAs. That 30-minute segment mattered. I also shared some hard stats: impersonation losses hit $3.5 billion in 2025 and the average scam loss is almost $2,000, 401(k) fees at 1% can shave 28% off retirement (about $155k over a career), and there are 31.9 million forgotten retirement accounts worth $2.13 trillion. I gave practical moves too — biweekly mortgage payoffs can shave years and save big interest, and simple calls to phone companies can cut $50 a month. If you’re stuck, go to becomingfinanciallyconfident.com/stuck, fill the form, and come on the show. We’ll work it out live and break the cycle of financial shame, one convo at a time. Takeaways: I started a weekly reflections episode to share wins, hard moments, and numbers worth carrying into next week.We had Mark Lawley explain his just in case folder so family won't have to guess about finances or passwords.I was moved by Mark's grief and the long inheritance segment showed why real questions need time and care.We talked fraud: my son dodged a scam text, and I urged everyone to call the bank number on their card instead.I dropped real dollar facts: 1% 401k fees can add up big over decades, so watch those retirement costs.We're hunting money leaks next week to find seven dollars a day and get closer to that $250 goal. Links referenced in this episode: becomingfinanciallyconfident.com/stuckbecomingfinanciallyconfident.com/giveawaybecomingfinanciallyconfident.com/yearend Companies mentioned in this episode: becomingfinanciallyconfident.comGoogleState FarmDucks UnlimitedHonda

In this week’s recap, Ralph Estep Jr. and Juliet look at why your Social Security raise is smaller than the headline, plus the 401(k) fees most people never see. In This Episode ✓ Social Security goes up 3.6%, and what Medicare Part B may take back ✓ The viral $200 Social Security bonus is not real ✓ 401(k) fees, forgotten retirement accounts, and a bank text scam ✓ Biweekly mortgage payments and starting to invest early ✓ Inherited IRAs, stepped-up basis, and leaving a plan for your family If you have ever wondered where your money quietly disappears each year, this recap gives you plenty to check. Resources Watch live: https://www.becomingfinanciallyconfident.com/live Win Our Christmas Bonus: https://www.becomingfinanciallyconfident.com/giveaway Book a call: https://www.ralphestepjr.com/schedule Social Security COLA: https://www.ssa.gov/oact/cola/latestCOLA.html Follow Becoming Financially Confident LinkedIn: https://www.linkedin.com/company/becomingfinanciallyconfident Facebook Group: https://www.facebook.com/share/g/1HpWqv8jp9/ Instagram: https://www.instagram.com/becomingfinanciallyconfident Skool Community: https://www.skool.com/becoming-financially-confident-7556 Have a money question? Send it here: becomingfinanciallyconfident.com/voicemail Companies Mentioned Vanguard Demos Mercedes Rolex Apple

In today's episode, Ralph Estep Jr. and Juliet answer guest Mark Lawley's questions about inheritance taxes after a parent passes, plus what the flash PMI, escrow increases, and index funds mean for your budget. In This Episode ✓ Flash PMI at 57.6: business activity is still growing, and prices are rising fastest since August 2022 ✓ Escrow explained: why one increase can hit your budget twice ✓ Index funds without the jargon ✓ Guest Mark Lawley: inheritance tax, the $15 million federal line, and stepped-up basis ✓ Inherited IRAs: the 10-year rule and tax withholding ✓ The "just in case" file every family should have ✓ Week one of the $250 emergency fund challenge wraps with listener voicemails on finding the first $25 ✓ Wins of the week and the Christmas bonus giveaway If a parent's estate, an escrow notice, or your 401(k) fund name has ever left you guessing, this episode gives you plain answers. Resources Watch live: https://becomingfinanciallyconfident.com/live Win our Christmas bonus: https://www.becomingfinanciallyconfident.com/giveaway Year-End Personal Tax Review: https://www.becomingfinanciallyconfident.com/yearend Book a call: https://www.ralphestepjr.com/schedule Practical Prepping Podcast: https://practicalprepping.info S&P Global flash PMI release: https://www.pmi.spglobal.com/Public/Home/PressRelease/07d16568e63346999890940d47639cd9 Follow Becoming Financially Confident LinkedIn: https://www.linkedin.com/company/becomingfinanciallyconfident Facebook Group: https://www.facebook.com/share/g/1HpWqv8jp9/ Instagram: https://www.instagram.com/becomingfinanciallyconfident Skool Community: https://www.skool.com/becoming-financially-confident-7556 Have a money question? Send it here: becomingfinanciallyconfident.com/voicemail Companies Mentioned Meta State Farm Geico QuickBooks 1Password Walmart Ecamm Google Meet

In today's episode, Ralph Estep Jr. and Juliet react to kidulting and the blind box craze, and share how to keep fun spending inside your budget. In This Episode ✓ Kidulting, blind boxes, Funko Pops, and why a Honda Passport beat a Lexus ✓ Why a budget line for fun beats a guilt trip ✓ Initial jobless claims fall to 194,000 while continuing claims rise 25,000 ✓ What to check if your hours get cut, including partial benefits in some states ✓ Biweekly mortgage payments and the one question to ask your lender ✓ How to pay a 30-year mortgage like a 15 ✓ What skipping one year of $200-a-month saving costs by age 65 ✓ Quarterly taxes on a side gig, and extra W-4 withholding as a simpler path ✓ Money move: find $25 for your emergency fund If you've ever added a blind box to your cart and wondered whether it was worth it, this episode gives you a way to decide before you check out. Resources Watch live weekdays at 11:30 AM Eastern: https://www.becomingfinanciallyconfident.com/live Win Our Christmas Bonus: https://www.becomingfinanciallyconfident.com/giveaway Book a call: https://www.ralphestepjr.com/schedule Year-End Personal Tax Review with Ralph, $199: https://www.becomingfinanciallyconfident.com/yearend Be on the show: https://www.becomingfinanciallyconfident.com/stuck Previous episode, Inherited IRA Rules: What the 10-Year Rule Means for Your Taxes: https://www.becomingfinanciallyconfident.com/inherited-ira-rules-1/ Weekly jobless claims report (U.S. Department of Labor): https://www.dol.gov/ui/data.pdf Estimated taxes (IRS): https://www.irs.gov/businesses/small-businesses-self-employed/estimated-taxes Tax Withholding Estimator (IRS): https://www.irs.gov/individuals/tax-withholding-estimator Follow Becoming Financially Confident LinkedIn: https://www.linkedin.com/company/becomingfinanciallyconfident Facebook Group: https://www.facebook.com/share/g/1HpWqv8jp9/ Instagram: https://www.instagram.com/becomingfinanciallyconfident Skool Community: https://www.skool.com/becoming-financially-confident-7556 Have a money question? Send it here: becomingfinanciallyconfident.com/voicemail Companies Mentioned Honda Price Honda Lexus Toyota Mercedes-Benz Rolex Apple Amazon Meta Funko Pop Mart Pokemon Kmart Starbucks Stripe PayPal American Express Whitman's

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, rising home insurance costs, and small business cash flow. In This Episode ✓ A fake fraud-alert text nearly gets Ralph's youngest son to call the scammers back ✓ Home insurance now costs more than property taxes in two-thirds of US counties ✓ 55% of small business owners say cash flow is their top problem ✓ Inheriting a $48,000 IRA: the 10-year rule and the tax bracket trap ✓ Self-employment tax: 15.3% on side hustle income and the four quarterly dates ✓ Which dollars to keep when you cut, and finding your first $25 If you've ever stared at a bill or a text and wondered what to do next, today's episode gives you a place to start. Resources Watch live: https://www.becomingfinanciallyconfident.com/live Win Our Christmas Bonus: https://www.becomingfinanciallyconfident.com/giveaway Year-End Personal Tax Review with Ralph: https://www.becomingfinanciallyconfident.com/yearend Book a call: https://www.ralphestepjr.com/schedule Be on the show: https://www.becomingfinanciallyconfident.com/stuck FTC on 2025 fraud losses: https://www.ftc.gov/news-events/news/press-releases/2026/03/ftc-testifies-joint-economic-committee-agencys-efforts-combat-fraud Home insurance vs. property taxes (Bloomberg Intelligence via Claims Journal): https://www.claimsjournal.com/news/national/2026/10/20/340815.htm Fora Financial 2026 Business Insights: https://www.forafinancial.com/business-insights/ IRS Publication 590-B (inherited IRAs): https://www.irs.gov/publications/p590b Follow Becoming Financially Confident LinkedIn: https://www.linkedin.com/company/becomingfinanciallyconfident Facebook Group: https://www.facebook.com/share/g/1HpWqv8jp9/ Instagram: https://www.instagram.com/becomingfinanciallyconfident Skool Community: https://www.skool.com/becoming-financially-confident-7556 Have a money question? Send it here: becomingfinanciallyconfident.com/voicemail Companies Mentioned Bloomberg Intelligence Fora Financial NerdWallet Duo Security Google Authenticator Bank of America Apple YouTube Rumble Reddit ChatGPT Claude

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 never have chosen, and the old accounts people leave behind. In This Episode ✓ How a one-point fee gap cuts a 401(k) balance by 28% in the Labor Department’s example ✓ Why two target date funds with the same year can cost very different amounts ✓ 31.9 million forgotten 401(k)s holding $2.13 trillion ✓ What fiduciary means and why it matters when you pick a fund ✓ One Good Question: Marcus’s water bill jumps from $75 to $210 ✓ Money move: find your first $25 in cut week If you have never looked at what your 401(k) actually costs, this episode gives you a place to start. Resources Watch live: https://www.becomingfinanciallyconfident.com/live Win Our Christmas Bonus giveaway: https://www.becomingfinanciallyconfident.com/giveaway Book a call: https://www.ralphestepjr.com/schedule Year-end tax review: https://www.becomingfinanciallyconfident.com/yearend Retirement Savings Lost and Found: https://lostandfound.dol.gov/ Follow Becoming Financially Confident LinkedIn: https://www.linkedin.com/company/becomingfinanciallyconfident Facebook Group: https://www.facebook.com/share/g/1HpWqv8jp9/ Instagram: https://www.instagram.com/becomingfinanciallyconfident Skool Community: https://www.skool.com/becoming-financially-confident-7556 Have a money question? Send it here: becomingfinanciallyconfident.com/voicemail Companies Mentioned Vanguard Fidelity Intel Citizens Financial Group Exxon Demos Capitalize Home Depot

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 viral $200 bonus isn’t real. In This Episode ✓ Social Security’s 3.6% raise, about $75 a month before Medicare Part B ✓ The viral $200 bonus that Congress never approved ✓ The Claiming Age Clarity Act and the new age labels ✓ High-yield savings near 4.2% vs. 0.01% at big banks ✓ Wall Street’s $32 billion week and why only 63% of adults can cover $400 ✓ Community Mailbag: paying down a 27% card, a 0% balance transfer, and which bills come first after cut hours ✓ Money move: the $250 emergency fund challenge, starting with your first $25 If your raise, your savings, or your credit card balance feels stuck, this episode shows where to start. Resources Watch live: https://www.becomingfinanciallyconfident.com/live Christmas bonus giveaway: https://www.becomingfinanciallyconfident.com/giveaway Book a call: https://www.ralphestepjr.com/schedule Year-End Personal Tax Review: https://www.becomingfinanciallyconfident.com/yearend Free 5 Days to Financial Confidence: https://www.becomingfinanciallyconfident.com/5days Check your Social Security account: https://www.ssa.gov/myaccount Follow Becoming Financially Confident LinkedIn: https://www.linkedin.com/company/becomingfinanciallyconfident Facebook Group: https://www.facebook.com/share/g/1HpWqv8jp9/ Instagram: https://www.instagram.com/becomingfinanciallyconfident Skool Community: https://www.skool.com/becoming-financially-confident-7556 Tiktok: https://www.tiktok.com/@becoming.financial Have a money question? Send it here: becomingfinanciallyconfident.com/voicemail Companies Mentioned Goldman Sachs Wells Fargo MBNA Netflix Burger King McDonald’s DoorDash Uber Eats Google Meet

In this week’s recap, Ralph Estep Jr. and Juliet revisit the week’s best money moves, from surveillance pricing and credit card minimum payments to why a credit union may be a better home for your savings. In This Episode ✓ Surveillance pricing and how to check your shopping preferences ✓ What to say when a promo rate expires ✓ Why the credit card minimum payment keeps you in debt ✓ Why you should always request a direct rollover ✓ How credit unions and banks differ, and what it means for savings and car loans ✓ How to size life insurance by the gap, not a rule of thumb ✓ What to do with a court summons or an accidental deposit ✓ Why six figures does not guarantee a mortgage ✓ How guest Tina paid off about $23,000 with a 401(k) loan If you’ve ever wondered whether your bank or your paperwork is costing you more than it should, this recap gives you plenty to check. Resources Live show: https://www.becomingfinanciallyconfident.com/live Giveaway: https://www.becomingfinanciallyconfident.com/giveaway Book a call: https://www.ralphestepjr.com/schedule Follow Becoming Financially Confident LinkedIn: https://www.linkedin.com/company/becomingfinanciallyconfident Facebook Group: https://www.facebook.com/share/g/1HpWqv8jp9/ Instagram: https://www.instagram.com/becomingfinanciallyconfident Skool Community: https://www.skool.com/becoming-financially-confident-7556 Have a money question? Send it here: becomingfinanciallyconfident.com/voicemail Companies Mentioned KingSumo Claude Sears and Roebuck DuPont

In today’s episode, Ralph Estep Jr. and Juliet sit down with retired banker Tina Poole and break down convenience store overcharging, AI bill negotiators, and the condo market. In This Episode ✓ A $3.99 pack of gum rang up at $4.99, and Circle K failed 35% of price checks ✓ AI bots now call your cable company and haggle your bill, but who wins when the bots talk to each other? ✓ A $260,000 Colorado condo, a $470 monthly HOA, and a buyer who says he feels trapped ✓ Tina Poole’s 40 years in banking, $23,000 of divorce debt, and the 401(k) loan that cleared it ✓ The Christmas club account, a 40-year savings habit that just paid Tina $650 ✓ The Christmas bonus giveaway starts Monday, with a prize that grows up to $1,000 ✓ Money move: check your life insurance and who your beneficiaries are If you’ve ever wondered whether the price you saw is the price you paid, this episode will make you look twice. Resources Watch live: https://www.becomingfinanciallyconfident.com/live Win Ralph’s Money: https://www.becomingfinanciallyconfident.com/giveaway Book a call: https://www.ralphestepjr.com/schedule Follow Becoming Financially Confident LinkedIn: https://www.linkedin.com/company/becomingfinanciallyconfident Facebook Group: https://www.facebook.com/share/g/1HpWqv8jp9/ Instagram: https://www.instagram.com/becomingfinanciallyconfident Skool Community: https://www.skool.com/becoming-financially-confident-7556 Have a money question? Send it here: https://www.becomingfinanciallyconfident.com/voicemail Companies Mentioned 7-Eleven Circle K The Guardian Rocket Money Kira Verizon OpenTable Fannie Mae Freddie Mac KingSumo MBNA Bank of America Chase Amazon Apple

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 priced him out. In This Episode ✓ IRS employees snooped on taxpayer records 86 times ✓ Housing affordability at a 19-year low ✓ Why boomers’ $93 trillion may not reach their kids ✓ The DIME formula: debt, income, mortgage, education ✓ Term vs. whole life, and what a medical exam checks ✓ How losing 200 pounds changed Ralph’s rating If you’ve been putting off the life insurance conversation, this episode gives you a number to start with. Resources Watch live: https://www.becomingfinanciallyconfident.com/live Giveaway: https://www.becomingfinanciallyconfident.com/giveaway Book a call: https://www.ralphestepjr.com/schedule Follow Becoming Financially Confident LinkedIn: https://www.linkedin.com/company/becomingfinanciallyconfident Facebook Group: https://www.facebook.com/share/g/1HpWqv8jp9/ Instagram: https://www.instagram.com/becomingfinanciallyconfident Skool Community: https://www.skool.com/becoming-financially-confident-7556 Have a money question? Send it here: becomingfinanciallyconfident.com/voicemail Companies Mentioned Zillow Ethos Apple Walmart Target Dunkin’ Sears and Roebuck ID.me