@askralph.bsky.social
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Rates are climbing. Lenders are tightening up. And small businesses everywhere are feeling the squeeze. When access to capital gets harder, you need strategy — not panic.

#CreditCrunch #SmallBusinessFinance #BusinessTips #EntrepreneurLife
One client bought 10 properties overnight — and lost everything. Real estate can build wealth, but greed and poor planning destroy it fast. Always start with wisdom and stewardship. #InvestingTips #WealthBuilding #ChristianFinance
Trying to time the market is like catching a falling knife — you might get lucky, but you’ll probably get cut. Consistent investing beats perfect timing every time. #InvestingTips #FinancialWisdom #DollarCostAveraging
This episode provides some much-needed financial wisdom, especially if you're investing for beginners and seeking financial independence. Learn how to approach stock market investing with faith and practical steps, and discover how to invest in stocks wisely. #financialfreedom #financialwisdom
It's easy to get caught up in the moment, but remember downturns are temporary, keep your eye on the prize with long term investing. This episode offers essential investing tips and a reminder to stick to your financial planning. Stay focused on your personal finance goals and trust the process in
Unlock the secrets to effective pricing with insights for every entrepreneur! Learn about various pricing strategies and how they impact your online business. Identify your ideal customer profile and implement value-based pricing to boost sales strategies and overall profitability.
Feeling unmotivated? Discover the power of discipline and mindset in this short video! Learn how self improvement and personal growth can lead to a success mindset. Find the motivation you need to achieve your goals! #AtomicHabits #FinancialWisdom #ConsistencyWins
Warren Buffett's wisdom highlights the importance of a diversified portfolio in the stock market. Understanding personal finance and proper investing strategies can safeguard your money. Learn how to avoid financial pitfalls with smart investment choices. #WarrenBuffettWisdom #InvestSmart
“Teach us to number our days that we may gain a heart of wisdom.” – Psalm 90:12. Time is limited. Every moment is a gift. Make intentional choices, set boundaries, and choose what truly matters most. #Psalm9012 #FaithAndWisdom #BiblicalLiving #IntentionalChoices #TimeIsPrecious #ChristianMindset
Many people focus on retirement, but what about other important life skills? Discover how to approach investing for various milestones in life, like buying a house or funding education. Effective money management and financial planning are key. #InvestingTips #FinancialGoals #WealthPlanning
Running a small business means living with uncertainty — but that’s not failure, it’s the price of freedom. Here’s how to build confidence even when the future feels unclear. #SmallBusinessTips #EntrepreneurMindset #BusinessGrowth #MotivationForEntrepreneurs #StartupJourney #MindsetMatters
The video dives into various bible verses, exploring how faith and biblical wisdom can guide our lives. Discover the profound teachings of Jesus Christ and deepen your connection with god through bible reading. Find solace and inspiration as we examine the life and teachings of Jesus.
A 1% investment fee may not sound like much—but over 20 years, it could drain $29,000 from your returns. Small numbers. Huge impact. #InvestSmart #WealthBuilding #HiddenFees #FinancialWisdom
Discover the power of financial automation to take control of your future! This video emphasizes the importance of automating your finances and making smart choices with money management. Learn how to pay yourself first with these simple money tips, which will lead to effective financial planning
Discover the power of consistent saving money and how small amounts can grow significantly through compound interest. This video dives into the basics of finance and investing, showing you how to make your money work for you. Learn essential personal finance and financial planning tips to build a
She felt like a prisoner in her own bakery—until we worked together. In just three months, we trimmed unnecessary costs, switched suppliers, simplified packaging, and cut waste. The result? Her operational costs dropped from 85% to 65%, and for the first time in two years, she was finally able to
Confused about investing? This video simplifies things by explaining how using mutual funds and ETF investing allows you to invest in the entire market. It's a safer, easier way to grow your wealth in the stock market without betting on individual stocks. Learn more about this approach to
I got this email and I said, you know what? People keep saying bonds are the safe bet. What does that really mean? So today on the show, I want to break down what is a bond because I want you to fully understand them, understand why people use them and how they fit into your financial life because
Can artificial intelligence truly replicate human emotions? This episode explores the unique qualities of human dignity and the depth of grief, contrasting them with the capabilities of artificial intelligence. Ralph delves into the ethics of AI and its impact on mental health, reminding us of the
Learn the basics of the stock market with this simple explanation, perfect for investing for beginners. Gain essential financial education and understand how to invest wisely. We'll break down complex concepts, making investing accessible to everyone, so you can navigate Wall Street with confidence
From email to automation to AI — tech keeps changing the way we live and work. But the deeper question is: how do we stay anchored in God’s truth through it all? #FaithFirst #AIandEthics #BiblicalPerspective
Foot traffic can be a game-changer for practices. In retail spaces, your lease isn’t just rent—it’s part of your marketing budget, bringing in new patients you’d never see in an office building. #PracticeGrowth #MarketingStrategy #LocationMatters #FootTraffic
A client once told me, “More than money, I realized I’d been trusting my balance sheet, not my God.” 💡 That’s the real lesson—generosity isn’t about losing dollars, it’s about gaining freedom when we shift our trust from numbers to Him. #TrustGod #FaithOverFinances #Generosity #KingdomLiving
Financial success isn’t something to feel guilty about—it’s an opportunity to glorify God with your resources. True confidence in Him leads to impact, not selfish gain. #FaithAndFinances #Stewardship #GodsPurpose #FinancialWisdom
Real growth isn’t about perfection—it’s about consistency. Even after 30 years in finance, I still make mistakes and lose momentum. You will too. The key is not avoiding failure, but building a foundation strong enough to keep moving forward. #ConsistencyOverPerfection #GrowthMindset