Today, I'm reaching out because I really wanna know if this show is hitting home for you. I’ve been doing this podcast for almost three years, and lately, I’ve been feeling like I’m talking to a wall sometimes—like, is anyone out there? I’m all about breaking that financial shame cycle and helping you feel confident, but I need your feedback to keep this train rolling. So, if you've been vibing with the show, or even if you’ve got some constructive criticism, hit me up! Let’s make this thing even better together, and hey, if you haven’t shared the show yet, now’s your chance—let’s spread the love! Got a Minute? Help Me Make This Show Better!

Takeaways:

1. This episode is all about connecting heart to heart and seeking your feedback, friends.
2. I've been doing this daily show for almost three years now, and I need your input.
3. Feeling a bit down today, so I want to hear if the show helps you at all.
4. Your thoughts really matter to me, so please share what you love or hate about the show.
5. If you've enjoyed the show, sharing it with your peeps would mean the world to me.
6. Help me make this show better by telling me what topics you want to hear about next!

If 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/join

Together, we’re helping believers everywhere break the cycle of financial shame and live with confidence in Christ. 🙏

Get Ralph's Book on becoming a Financially Confident Christian financiallyconfidentchristian.com/becoming

LISTEN NOW

WATCH 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

ralph@askralph.com or leave a voicemail message on our podcast page

Leave A Voicemail Message

Ready to kick back and chat about saving money without the usual stress? Today, we’re diving into how to build wealth the lazy way—yep, you heard me right, lazy! We’re all about ditching the pressure and relying on a solid system instead of willpower, which can be as fickle as a cat in a room full of rocking chairs. I’ll break down how to automate your savings so you can keep cash flowing without having to think about it every five seconds. How Can You Automate Your Savings—The Lazy Way to Build Wealth? Forget the guilt and shame; we’re talking about making savings work for you, even on those days when life throws you curveballs. Let’s get into it and find out how a little automation can bring you big peace!

Read today's blog article

Check out the full podcast episode here

This episode dives deep into the art of saving money without breaking a sweat. We kick things off by addressing the struggle of trying to save when life gets hectic, and let's be real—who hasn’t felt that pinch? I share that relying on sheer willpower is a tough gig. It kinda wears you out, right? Instead, I introduce the idea of setting up a system. Systems are rock solid; they don’t get moody or forget to pay the bills. So, what’s the magic trick? Automating your savings! We’re talking about setting up automatic transfers so that saving becomes as easy as pie—no stress, no shame, just smooth sailing. I emphasize that saving doesn’t have to feel like a chore. By automating it, you can save money without even thinking about it. It’s all about making those small, consistent changes that lead to big results over time. I encourage everyone to start with something as small as 10 bucks and build from there. Trust me, once you get that momentum going, you’ll feel like you're finally moving forward without the usual stress. As we wrap up, I remind you that the goal isn’t to be perfect but to be consistent. Life can get loud, and saving can get drowned out by all those urgent needs. Automating your savings is like giving your future self a big ol’ hug, ensuring that even on tough days, your savings are still growing. In short, it’s about working smart, not hard, and building a financial future that feels good without all the hustle and bustle. So grab that automated savings plan and let your money do the heavy lifting!

Takeaways:

1. Saving doesn't have to feel hard or stressful; set up an automatic system instead.
2. You’ve got to pay yourself first before life’s expenses take their bites out of you.
3. Your brain makes tons of decisions daily, so let automation handle your savings effortlessly.
4. Small, consistent transfers can lead to big changes in your financial habits over time.
5. Life isn’t always perfect, but a simple savings system keeps you on track regardless.
6. Emotions can mess up your spending; automation helps you save before feelings even kick in.

Links referenced in this episode:

1. financiallyconfidentchristian.com/join

If today’s episode...

Ever feel like a bill just crashed your party, even though you knew it was coming? Yeah, we’ve all been there. Why Do Predictable Expenses Feel Like Emergencies? Today's chat is all about how to tackle those predictable expenses without losing your cool—enter the sinking fund. This nifty budgeting tool helps you stash away a little cash each month for those known expenses, turning those “oh no” moments into “we got this” vibes. We’re diving into why planning isn’t panic, but rather a way to bring peace into your financial life. So, grab a drink, kick back, and let’s figure out how to keep those budget waves from crashing down on us!

Read today's blog article

Check out the full podcast episode here

Ever felt that heart-sinking feeling when a bill lands in your lap, even if you saw it coming? Yeah, we’ve all been there. We kick things off with this relatable moment and dive into why predictable expenses can feel like an emergency. I got a solid suggestion: sinking funds. Think of them as your budgeting lifeboat that helps keep you afloat when those waves of bills try to drown you. Instead of letting those known expenses crash your budget party, you can set aside a little cash each month, so when the time comes, you’re ready to rock. No more panic, just peace of mind. Throughout the episode, I drop some real talk about how many of us are one surprise bill away from financial chaos. I share stats showing how many adults would struggle with a $400 surprise expense. It’s not about being irresponsible; it’s about our budgets not being built to handle the year’s curveballs. I emphasize that sinking funds can change the game by spreading the weight of those big bills into manageable, bite-sized pieces. It’s a total game-changer for your financial well-being. As the chat wraps up, I urge you to take action by starting just one sinking fund. Whether it’s for car repairs, holiday shopping, or even that long-awaited vacation, it’s time to get proactive about our finances. The key takeaway? Small steps lead to big changes, and planning for the predictable means we can breathe a little easier and walk with confidence in our financial journey. Let’s do this!

Takeaways:

1. Feeling stressed about predictable expenses? You might need a sinking fund to ease that anxiety!
2. Sinking funds turn those big scary bills into manageable little payments you can handle easily.
3. Planning for known expenses helps you avoid financial panic when those bills show up uninvited.
4. Taking small steps now, like saving $10 a month, can lead to big financial peace later.
5. Don't let surprises derail your budget; set aside funds for predictable costs like car repairs or Christmas gifts.
6. A sinking fund is just a smart way to budget for those annual expenses that keep sneaking up on you.

Links referenced in this episode:

1. financiallyconfidentchristian.com/join

If today’s episode encouraged you, we’d love to invite you to be part of something bigger —...