{"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":"Overdraft Fees, Unclaimed State Money, and How Balance Transfers Really Work","slug":"overdraft-fees-unclaimed-state-money-and-how-balance-transfers-really-work","published_at":"2026-09-15T00:00:00+00:00","page_url":"https://stenobird.com/podcast/financially-confident-christian-773313/overdraft-fees-unclaimed-state-money-and-how-balance-transfers-really-work","show_page_url":"https://stenobird.com/podcast/financially-confident-christian-773313","url":"https://www.becomingfinanciallyconfident.com/unclaimed-state-money","audio_url":"https://episodes.captivate.fm/episode/3ab311dc-dbd7-4760-b750-90447ae3057b.mp3","summary":"Hosts: Ralph Estep Jr, a licensed public account of over 30 years + Juliet, a first-time entrepreneur Here's what we got into today: I broke down the LIHEAP heating assistance program, why renters qualify too, and why applying this week matters since the money goes first come, first served I explained how to call your bank and opt out of debit and ATM overdraft coverage so you stop paying that $35 fee I talked through escheat laws and how to check missingmoney.com for cash your state may be holding, including the story of the $3,500 my grandmother recovered after my grandfather passed away Juliet and I worked through a mailbag question on 0% balance transfer offers, including the fees hidden in the fine print and how they affect your credit utilization I answered a question on tackling credit card debt, comparing personal loans, home equity lines of credit, settlements, and bankruptcy I answered a question about what changes financially when you have a baby, including insurance deadlines, daycare costs, and setting up a will and guardian Got a money question for me? Send it to us at becomingfinanciallyconfident.com/voicemail . Or come watch us live every weekday, 11:30 am ET at becomingfinanciallyconfident.com/live . Have a great week, everybody. Links mentioned in this episode: becomingfinanciallyconfident.com/stamps becomingfinanciallyconfident.com/wallet becomingfinanciallyconfident.com/ezwill Follow us on our socials: LinkedIn Facebook Group Instagram Skool Community Shoutout to Practical Prepping ! Thank you, Mark and Krista! https://practicalprepping.info/podcast","meta_description":"Hosts: Ralph Estep Jr, a licensed public account of over 30 years + Juliet, a first-time entrepreneur Here's what we got into today: I broke down the LIHE…","key_points":[],"chapters":[],"topics":[],"duration_seconds":3533,"processing_state":"not_requested","actions":[{"name":"request_transcript","method":"POST","url":"https://stenobird.com/v1/public/podcasts/financially-confident-christian-773313/episodes/overdraft-fees-unclaimed-state-money-and-how-balance-transfers-really-work/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/overdraft-fees-unclaimed-state-money-and-how-balance-transfers-really-work.md","description":"Read the agent-friendly Markdown representation of this episode resource."}]}}