How can I start the New Year on the best financial path?

Feeling overwhelmed by financial struggles is a common experience, especially as the new year begins. Ralph Estep Jr. addresses this very concern by sharing powerful strategies to help listeners start their financial journey on the right foot. He emphasizes the importance of prayer and reflection, creating a practical budget, and building an emergency fund to ensure financial stability. Through a compelling story about a church member named Betty, who faced hidden financial troubles despite her public persona, Ralph highlights the necessity of transparency in relationships and seeking help. This episode offers not just guidance but also hope for those feeling lost in their financial chaos, encouraging listeners to take actionable steps toward financial freedom and start the New Year on the best financial path.Read the Full Blog Post Herehttps://www.askralphpodcast.com/best-financial-path/Podcast Timestamps:00:00 Episode Overview02:05 Listener Question: Harper's Financial Struggles03:41 Biblical Guidance for Financial Hope04:37 Betty's Story: Hidden Financial Struggles14:32 Steps to Financial Recovery20:02 Call to Action (How to Book a Call With Ralph)23:11 Action Steps for Financial Success24:55 ClosingTakeaways: Start the new year by reflecting on your past financial choices and seeking God's guidance. Create a practical budget using the 10-45-25-20 framework to manage your finances. Building a safety net with an emergency fund can provide peace of mind during financial struggles. Consider working with a financial advisor who aligns with your Christian values for better guidance. Admit when you need help and seek support from your community and church. Transform your financial struggles into a ministry to help others facing similar challenges. 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/LISTEN 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.