How can I find financial harmony with my partner?

Are money fights destroying your marriage? Ralph Estep Jr. tackles this pressing issue by sharing a powerful story of transformation for a couple struggling with financial conflicts. He delves into crucial year-end tax moves that could save you thousands, as well as practical advice for turning a side hustle into a thriving business. With insights on charitable giving strategies and smart deductions, Ralph provides a seven-step blueprint to end financial disputes in marriages once and for all. Join the conversation to discover how aligning financial goals with shared values can lead to harmony, financial success, and help you find financial harmony.https://www.askralphpodcast.com/find-financial-harmony/ Podcast Timestamps:00:00 Episode Overview01:55 Bible Verse02:15 Financial Conflicts in Marriage05:52 Mark and Lisa's Transformation06:41 Seven Strategies for Financial Harmony10:39 Income Tax Planning16:09 Small Business Tax Tips18:05 Retirement Contributions: SEP IRA and Solo 401k20:24 Forming an LLC or S-Corp: Tax Implications24:52 Financial Planning and Accountability28:33 Live Q&A and Contest34:46 Final ThoughtsTakeaways: Money conflicts can be detrimental to relationships; try money date nights to improve communication. Shared financial goals with distinct responsibilities can help couples align their financial strategies. Establishing a three account system may ease financial tensions between partners. Pray together and study scripture to guide financial decisions in your marriage. Taking time to reflect on purchases can reduce impulse spending and financial conflict. Consider forming a business entity early to minimize self-employment tax liabilities. Links referenced in this episode:Ask Ralph Insiders Community https://mailchi.mp/askralph.com/groupAsk Ralph Show Live https://askralphpodcast.com/liveWhat is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/  Join our email list and get a free copy of “Mastering Your Finances” at https://askralph.com/Companies mentioned in this episode: Amazon Nerd Wallet Bankrate Goodwill Salvation Army AMVETSLISTEN NOWWATCH NOW ON YOUTUBE (OUR VIDEO VERSION)WATCH NOW ON RUMBLE (OUR VIDEO VERSION)SUPPORT THE SHOWPlease share our Podcast with all your friends and family!Submit your questions or ideas for future shows - email us at ralph@askralph.com or leave a voicemail message on our podcast page

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2025 Best Christian Finance Podcast in the U.S., awarded by Best of Best Review. Money isn’t just about numbers — it’s about confidence, stewardship, and faith. If you've ever felt stuck in the cycle of financial shame, you're not alone — and you don't have to stay there. Welcome to Financially Confident Christian, where we blend Biblical wisdom, practical financial strategies, and daily encouragement to help you break free, build lasting confidence, and honor God with your resources. Hosted by Ralph Estep Jr., a seasoned financial coach with a heart for ministry, each episode offers real-world steps you can take today — no complicated jargon, no judgment — just real hope and real help. Whether you're climbing out of debt, learning to budget with purpose, or dreaming of financial freedom, this is your place to start. One step. One decision. One prayer at a time. Your story isn’t defined by your past. It's shaped by your next faithful step. Let’s walk this journey together.