{"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":"Should You Rent Your Car on Turo? The Costs, Taxes, and Insurance Nobody Mentions","slug":"should-you-rent-your-car-on-turo-the-costs-taxes-and-insurance-nobody-mentions","published_at":"2026-09-09T21:00:00+00:00","page_url":"https://stenobird.com/podcast/financially-confident-christian-773313/should-you-rent-your-car-on-turo-the-costs-taxes-and-insurance-nobody-mentions","show_page_url":"https://stenobird.com/podcast/financially-confident-christian-773313","url":"https://www.becomingfinanciallyconfident.com/car-on-turo","audio_url":"https://episodes.captivate.fm/episode/7a31316b-4879-4d86-bdf8-0c125a56b12f.mp3","summary":"Ralph Estep Jr. here, licensed public accountant, thirty years in the business, still finding new ways to get surprised by what people don't know about their own money. My cohost Juliet and I go live Monday through Friday, 11:30 to 12:30 Eastern, on Becoming Financially Confident. Before you sign that lease renewal or say yes to a side hustle with your car, listen to this one. Today we broke down how much room you actually have to negotiate rent, the dependent care tax benefit that just got its first increase since 1987, and why the price your pharmacy quotes you isn't always the real price. We also dug into Turo, and I walked through the real costs of renting out your car. Here's what we got into today Nearly 2 in 5 new apartment listings are offering concessions, and I explained why landlords would rather cut you a deal than let a unit sit empty The dependent care FSA limit went from $5,000 to $7,500 per household, and I ran the tax math on what that actually saves a family I walked through why 20 to 25 percent of filled prescriptions aren't priced at the cheapest option, and how I use GoodRx myself before handing over an insurance card The FTC says 1 in 4 credit reports have an error on them, so I talked about why that's worth checking Everybody talks about Turo like it's free money sitting in your driveway. I wanted to know if that's actually true, so I ran the real numbers. Commission, insurance, taxes, wear and tear, all of it. What I found changes whether this side hustle is worth your time. Juliet and I broke down whether either of us would actually rent our car out on Turo, including the three earning plans and what they don't cover In Explain It Like I'm Broke, I walked through my son's actual explanation of benefits statement and the four numbers that matter…","meta_description":"Ralph Estep Jr. here, licensed public accountant, thirty years in the business, still finding new ways to get surprised by what people don't know about th…","key_points":[],"chapters":[],"topics":[],"duration_seconds":3588,"processing_state":"not_requested","actions":[{"name":"request_transcript","method":"POST","url":"https://stenobird.com/v1/public/podcasts/financially-confident-christian-773313/episodes/should-you-rent-your-car-on-turo-the-costs-taxes-and-insurance-nobody-mentions/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/should-you-rent-your-car-on-turo-the-costs-taxes-and-insurance-nobody-mentions.md","description":"Read the agent-friendly Markdown representation of this episode resource."}]}}