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Home > Ask Ralph > Are Credit Cards Your Friend or Foe?


	Podcast:		Ask Ralph
	Episode:		Are Credit Cards Your Friend or Foe?
	Category:		Business
	Duration:		00:09:36
	Publish Date:		2025-04-17 07:00:00
	Description:		Are credit cards helping you—or quietly hurting your financial peace? In this episode, Ralph Estep Jr. tackles a deeply personal and practical question many Christians wrestle with: how should we think about credit cards? From managing shame and anxiety around debt to exploring the biblical principles of stewardship, contentment, and trust, Ralph walks listeners through the spiritual and emotional weight of credit card use. With honest encouragement, practical next steps, and scriptural insight, this conversation helps you discern whether *credit cards are your friend or foe.* Read today's blog article Check out the full podcast episode here Whether you’re carrying a balance, considering a new card, or simply trying to navigate modern money tools with wisdom, this episode provides clarity and grace. Learn how to take the first faithful step toward freedom—and how one simple action can rebuild your confidence, quiet the shame, and align your finances with your faith. Chapters: 00:04 - Understanding Emotional Weight 01:59 - Drowning in Debt: A Call for Help 03:22 - Breaking Free from Shame 04:45 - Taking Control of Your Finances 07:37 - Journey to Financial Peace 08:31 - Navigating Financial Surprises Takeaways: Feeling overwhelmed by debt is super common, and you're definitely not alone in this. Taking small, focused steps can help you regain control over your financial life. Targeting the smallest debt first can actually boost your confidence and motivation. It's important to gather your statements and face your financial situation head-on with bravery. Channeling your energy into one specific debt can help you feel empowered and less trapped. Remember, progress is possible, and every little win counts towards your financial freedom. LISTEN NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST 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 Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon
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