{"podcast":{"title":"Becoming Financially Confident","slug":"financially-confident-christian-773313","podcast_index_feed_id":773313,"rss_url":"https://feeds.captivate.fm/ask-ralph-podcast/","website_url":"http://www.becomingfinanciallyconfident.com/","image_url":"https://artwork.captivate.fm/c17cbaaa-ac0e-40c1-abbe-52b5e2557b3f/BFC-Podcast-Cover-Final-v2.jpg","author":"Ralph V. Estep, Jr.","episode_count":1257,"summary":"Breaking Free from Financial Shame, one conversation at a time. Most money advice assumes you already know what you're doing. This show doesn't. Becoming Financially Confident is a live weekday show for people who want to get their financial life in order without being lectured, judged, or sold something. Host Ralph Estep Jr. is a Licensed Public Accountant with more than 30 years of experience sitting across the desk from real people and real businesses — the shoebox of receipts, the tax notice nobody wants to open, the budget that never quite balances. He has made his own expensive mistakes, and he talks about them openly. This is not a new voice. Ralph has published more than 1,200 episodes across eight seasons, earned national recognition for his work, and written nearly a thousand articles on money, taxes, technology, and small business. Becoming Financially Confident is the next chapter of that same show, in the same feed — sharper, live, and built around one idea: you are capable of figuring this out. Every show opens with Headlines: what happened in the money world, and why it matters to your money and not just somebody's portfolio. From there, the recurring segments inclu…","last_synced_at":"2026-09-16T10:17:43.701925+00:00","page_url":"https://stenobird.com/podcast/financially-confident-christian-773313"},"episode":{"title":"BFC Weekly Recap: Mortgage Rates Hit 6.71%, the New $2,000 1099 Rule, and Who Owes Debt After Death","slug":"bfc-weekly-recap-mortgage-rates-hit-6-71-the-new-2-000-1099-rule-and-who-owes-debt-after-death","published_at":"2026-09-12T17:30:00+00:00","page_url":"https://stenobird.com/podcast/financially-confident-christian-773313/bfc-weekly-recap-mortgage-rates-hit-6-71-the-new-2-000-1099-rule-and-who-owes-debt-after-death","show_page_url":"https://stenobird.com/podcast/financially-confident-christian-773313","url":"https://www.becomingfinanciallyconfident.com/who-owes-debt","audio_url":"https://episodes.captivate.fm/episode/0f31101b-094b-4546-ae3b-980d91a57bd7.mp3","summary":"Happy Saturday, everybody! Mortgage rates just climbed to a 13-month high, the IRS changed the 1099 threshold to $2,000, and I finally answered the question I get asked more than almost any other: do you owe a dead relative's credit card debt? We also got into what financial confidence really means, the framework I use with clients to give every dollar a job, and a conversation with a finance coach about money and marriage that hit closer to home than I expected. I'm Ralph Estep Jr., a licensed public accountant with 30 years in the business, and I'm joined by my cohost Juliet. We're live every Monday through Friday from 11:30 AM to 12:30 PM Eastern on Becoming Financially Confident. Here's what we got into this week: Reminded everyone about two live class action settlements, Google Play and O'Reilly Auto Parts, both with deadlines this month Broke down why the 30-year mortgage rate climbed to 6.71%, the highest it's been in over a year Walked through the new 1099 rule. Clients only have to send you one if they paid you $2,000 or more, up from $600, and that does not mean the income is tax free Answered the question I get asked constantly about inherited debt. If you're just an authorized user on a card, you are not responsible for what's owed after someone passes away Gave you my money move of the week: add a PIN to your phone carrier account and turn on two-factor authentication on your bank and email before someone can hijack your number Got into what financial confidence actually means, starting with a Federal Reserve stat that stopped me cold, 12% of adults couldn't cover a surprise $400 expense Laid out the Dollar Job Framework, the seven-step process I use with clients (dream, define, discover, design, deploy, debrief, develop) to give every dollar a job before…","meta_description":"Happy Saturday, everybody! Mortgage rates just climbed to a 13-month high, the IRS changed the 1099 threshold to $2,000, and I finally answered the questi…","key_points":[],"chapters":[],"topics":[],"duration_seconds":2643,"processing_state":"not_requested","actions":[{"name":"request_transcript","method":"POST","url":"https://stenobird.com/v1/public/podcasts/financially-confident-christian-773313/episodes/bfc-weekly-recap-mortgage-rates-hit-6-71-the-new-2-000-1099-rule-and-who-owes-debt-after-death/transcription-requests","description":"Idempotently request low-priority transcript generation for this episode."},{"name":"read_markdown","method":"GET","url":"https://stenobird.com/podcast/financially-confident-christian-773313/bfc-weekly-recap-mortgage-rates-hit-6-71-the-new-2-000-1099-rule-and-who-owes-debt-after-death.md","description":"Read the agent-friendly Markdown representation of this episode resource."}]}}