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  • My Spouse and I Keep Fighting About Money. How Do We Get on the Same Page?
    2026/08/02
    Money fights are the classic couple's showdown, but here's the kicker: it's rarely really about the cash. Today, we're diving into why those arguments keep popping up like bad sitcom reruns. Spoiler alert: it’s not just about dollars and cents, but the deeper fears lurking beneath the surface. My Spouse and I Keep Fighting About Money. How Do We Get on the Same Page? We’ve got a listener who’s feeling the strain of being a saver married to a spender, and trust me, they’re not alone! Stick around as we break down how to turn that financial friction into teamwork and find some peace, because when you’re both on the same side, it’s way easier to kick those money woes to the curb.Read today's blog article Check out the full podcast episode hereCouples often find themselves in a never-ending loop of arguments about money, but what’s really at the heart of these disputes? It’s usually not just about dollars and cents. In this episode, we dive deep into the real issues behind financial fights, which often stem from underlying fears and insecurities. Our listener question highlights a common scenario: a saver and a spender, both of whom love each other but can’t seem to communicate when it comes to finances. We break it down: it’s not about winning the argument; it’s about working together as a team to tackle the real problem at hand. Through honest communication and regular money meetings, couples can find common ground and set shared goals that unite them rather than divide them. By the end of the episode, listeners are left with practical tools and a renewed sense of hope that financial harmony is possible, even for those who see money through very different lenses.Takeaways:Money arguments usually start small, but they can snowball into bigger issues over time. It's wild how a simple purchase can trigger the same argument you’ve had a hundred times before!Surprisingly, money fights are rarely about the cash itself; they're often about deeper fears that we don't even realize we're dealing with.To tackle money issues, couples need to recognize they're on the same team, fighting against the real problem, not against each other. It’s not you versus me, it’s us versus the issue!Regular, calm money meetings can help couples navigate their financial fears and avoid heated arguments. Seriously, schedule those coffee dates to chat about money!It's crucial to discover what fears lie beneath your financial disagreements. Ask each other, 'What are you afraid of?' and listen up!Building a shared financial plan can unite couples and align their goals. When both partners row in the same direction, they can achieve their dreams together.Links referenced in this episode:financiallyconfidentchristian.com/voicemail💛 Join the Financially Confident Christian CommunityIf today’s episode encouraged you, we’d love to invite you to be part of something bigger — the Financially Confident Christian Community.This is where faith and finances come together — a growing family of believers supporting one another, sharing encouragement, and helping spread God’s truth about money.Your membership helps keep the show free for everyone while funding new devotionals, study guides, and outreach resources.👉 Learn more and join the mission at financiallyconfidentchristian.com/joinTogether, we’re helping believers everywhere break the cycle of financial shame and live with confidence in Christ. 🙏Get Ralph's Book on becoming a Financially Confident Christian financiallyconfidentchristian.com/becomingLISTEN NOWWATCH NOW ON YOUTUBE (OUR VIDEO VERSION)WATCH NOW ON RUMBLE (OUR VIDEO VERSION)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 pageLeave A Voicemail Message
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    16 分
  • Everyone in My Family Has Always Been Bad with Money. How Do I Break the Cycle?
    2026/08/01
    Today, we're diving deep into breaking the financial chaos that often gets passed down through generations. If you’ve grown up watching money slip through fingers like sand, don’t sweat it—you're not doomed to repeat it! Everyone in My Family Has Always Been Bad with Money. How Do I Break the Cycle? We’re all about shaking off those old habits that feel like they’re in your DNA. Trust me, it’s totally possible to rewrite your financial story, and I’m here to help you do just that. So, whether you’re feeling anxious about your bank account or just looking to get a grip on your finances, stick around because we’ve got the goods on how to change the game for good!Read today's blog article Check out the full podcast episode hereGrowing up watching money slip away can feel like a family tradition, right? In this episode, we dive into the heavy topic of breaking the cycle of financial chaos that seems to haunt generations. We hear from a listener who's feeling the pressure of their family's financial habits, worried that they'll end up repeating the same mistakes their parents and grandparents made. But we got a refreshing perspective: these patterns aren’t a life sentence; they’re just habits that can be unlearned. We lay out practical steps to help you take control of your finances and rewrite your money stories. It’s all about naming the beliefs we inherit, facing those scary numbers, and learning the basics that no one taught us. Change doesn’t happen overnight, but with consistency, we can break those chains and set ourselves up for a better financial future. So, if you’re ready to flip the script on your financial narrative, tune in and learn how to be the turning point for your family!Takeaways:You can break the cycle of financial chaos in your family, it's totally possible!First things first, recognize the beliefs that have been taught to you about money.Don't avoid your finances; face them head-on to take away their power over you.Learning basic money management skills is crucial, even if no one taught you before.Building one new habit at a time can really change your financial future for the better.You are not destined to repeat your family's financial mistakes; you're the turning point!Links referenced in this episode:financiallyconfidentchristian.com/questionfinanciallyconfidentchristian.com/voicemail💛 Join the Financially Confident Christian CommunityIf today’s episode encouraged you, we’d love to invite you to be part of something bigger — the Financially Confident Christian Community.This is where faith and finances come together — a growing family of believers supporting one another, sharing encouragement, and helping spread God’s truth about money.Your membership helps keep the show free for everyone while funding new devotionals, study guides, and outreach resources.👉 Learn more and join the mission at financiallyconfidentchristian.com/joinTogether, we’re helping believers everywhere break the cycle of financial shame and live with confidence in Christ. 🙏Get Ralph's Book on becoming a Financially Confident Christian financiallyconfidentchristian.com/becomingLISTEN NOWWATCH NOW ON YOUTUBE (OUR VIDEO VERSION)WATCH NOW ON RUMBLE (OUR VIDEO VERSION)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 pageLeave A Voicemail Message
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    14 分
  • Is It Wrong for a Christian to Want to Be Wealthy?
    2026/07/31
    Ever felt a twinge of guilt for wanting to be wealthy? You're definitely not alone! Today, we're diving into the tricky feelings many of us have about money and faith. Is It Wrong for a Christian to Want to Be Wealthy? We’ll explore whether it’s okay to chase those dollar signs while keeping our hearts in check. Our listener's question about the guilt of wanting wealth is front and center, and we’re here to untangle that mess together. So, grab your favorite drink, kick back, and let’s chat about how ambition and faith can totally vibe together without all that guilt weighing us down!Read today's blog article Check out the full podcast episode hereEver find yourself feeling a bit guilty for wanting to stack cash? Yeah, you’re not alone. In this chat, we tackle the age-old question of whether it’s wrong to want wealth. A listener hit us up, wrestling with the notion that money equates to greed, thanks to some mixed messages from the church. It’s about what you worship, not just your wallet. We set the record straight on the classic misquote about money being the root of all evil. Spoiler alert: it’s not money that’s the problem; it’s the love of it. Wealth isn’t a bad thing, especially when it’s used for good—like helping your fam or funding those noble missions you care about. We chat about how to keep your ambitions aligned with your faith, making sure God’s perched on the throne of your life, not your bank account. So, if you’ve ever felt that twinge of guilt for wanting to be wealthy, this episode is your go-to guide to sorting it all out. Let’s unravel this together and learn how to hold our wealth with open hands, all while keeping our hearts in check.Takeaways:It's totally okay to want wealth, but check your heart and motives first.Many believers struggle with guilt about wanting money, but it doesn't have to be that way.Scripture shows us that wealth can be a tool for good, not just a source of greed.The famous saying is misquoted; it's the love of money that's the problem, not money itself.You can be both ambitious and faithful; just keep God at the center of your goals.Write down why you want to be wealthy; clarifying your motives helps you avoid guilt.Links referenced in this episode:financiallyconfidentchristian.com/questionfinanciallyconfidentchristian.com/voicemail💛 Join the Financially Confident Christian CommunityIf today’s episode encouraged you, we’d love to invite you to be part of something bigger — the Financially Confident Christian Community.This is where faith and finances come together — a growing family of believers supporting one another, sharing encouragement, and helping spread God’s truth about money.Your membership helps keep the show free for everyone while funding new devotionals, study guides, and outreach resources.👉 Learn more and join the mission at financiallyconfidentchristian.com/joinTogether, we’re helping believers everywhere break the cycle of financial shame and live with confidence in Christ. 🙏Get Ralph's Book on becoming a Financially Confident Christian financiallyconfidentchristian.com/becomingLISTEN NOWWATCH NOW ON YOUTUBE (OUR VIDEO VERSION)WATCH NOW ON RUMBLE (OUR VIDEO VERSION)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 pageLeave A Voicemail Message
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    14 分
  • Buy Now, Pay Later Is Everywhere. Is It Quietly Wrecking My Finances?
    2026/07/30
    Today, we’re diving into the sneaky world of “buy now, pay later” schemes. It might feel like a sweet deal with those easy payments and no interest, but trust me, your wallet might be singing a different tune come payday. Buy Now, Pay Later Is Everywhere. Is It Quietly Wrecking My Finances? We’re unpacking how these plans can lead to a sneaky pile-up of little debts that add up faster than you can say “shopping spree.” Plus, I’ll share a simple test to help you figure out if you’re actually in the clear or just setting yourself up for a financial faceplant. So, buckle up, grab your favorite drink, and let’s get down to the nitty-gritty of smart spending!Read today's blog article Check out the full podcast episode hereDiving right into the nitty-gritty, we tackle the oh-so-tempting world of 'buy now, pay later' schemes that are popping up everywhere like weeds in a garden. You know the drill: a quick click at checkout promises a hassle-free experience with sweet nothings like 'four easy payments, no interest'. We break down the listener's concern about juggling multiple payments that, while they seem small, can really add up and create a sneaky mountain of debt. It’s like the old saying goes: ‘death by a thousand cuts’ – one small payment here, another there, and suddenly your bank account's looking like a sad puppy. Clarity is key. List out all those little payments because what feels like harmless shopping can turn into a financial avalanche if left unchecked. By the end, we’re armed with a golden rule: if you can't pay for it today with cash, you can't afford it! It’s a simple yet powerful mantra that can save us from the clutches of invisible debt.Takeaways:The allure of 'buy now, pay later' schemes can lead to hidden debt that sneaks up on you.It's super easy to lose track of multiple small payments, but they add up to big problems.Retailers split the pain of spending, making it feel painless, but that's a dangerous trap.Always keep it real: if you can't pay for it today, you can't afford it tomorrow.Being aware of all your payments is key to financial clarity—don't let them hide from you!Self-control is your best friend in a world of slick marketing and tempting clicks.Links referenced in this episode:financiallyconfidentchristian.com/questionfinanciallyconfidentchristian.com/voicemail💛 Join the Financially Confident Christian CommunityIf today’s episode encouraged you, we’d love to invite you to be part of something bigger — the Financially Confident Christian Community.This is where faith and finances come together — a growing family of believers supporting one another, sharing encouragement, and helping spread God’s truth about money.Your membership helps keep the show free for everyone while funding new devotionals, study guides, and outreach resources.👉 Learn more and join the mission at financiallyconfidentchristian.com/joinTogether, we’re helping believers everywhere break the cycle of financial shame and live with confidence in Christ. 🙏Get Ralph's Book on becoming a Financially Confident Christian financiallyconfidentchristian.com/becomingLISTEN NOWWATCH NOW ON YOUTUBE (OUR VIDEO VERSION)WATCH NOW ON RUMBLE (OUR VIDEO VERSION)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 pageLeave A Voicemail Message
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    14 分
  • My Credit Card Balance Keeps Growing Even Though I Stopped Spending. How Do I Get Out?
    2026/07/29
    Feeling like your credit card balance is a stubborn weed that just won’t die? You're not imagining it, and trust me, it’s not your fault. Today, we’re diving into a listener's dilemma about how their card balance keeps climbing despite not spending a dime. My Credit Card Balance Keeps Growing Even Though I Stopped Spending. How Do I Get Out? We’re breaking down the pesky interest rates that are basically the villain of this financial tale, and I’m here to dish out some real solutions to help you escape the quicksand. So, grab a comfy seat, and let’s tackle this together!Read today's blog article Check out the full podcast episode hereEver feel like you're stuck in a financial black hole? You stop using your credit card, but somehow, the balance just keeps creeping up. Welcome to the frustrating world of credit card interest! We dig into a listener's plight, who’s been doing everything right—cutting up the card, making payments—but still feels like they're sinking in quicksand. It’s not just bad luck, my friends; it’s the sneaky little interest rates that are working against you. When your minimum payment is less than the interest accruing on your balance, you’re basically fighting a losing battle. But don’t worry! We've got some solid strategies to help you flip the script. From paying more than the minimum (always!) to tackling those pesky interest rates head-on, we lay out a game plan to help you regain control of your finances. While it may feel like you’re stuck forever, there’s always a light at the end of the tunnel. So grab a pen and take notes; this episode is packed with wisdom that can turn your financial frown upside down!Takeaways:Just because you stopped spending doesn't mean your credit card balance won't grow, it's all about that pesky interest, my friend!If your minimum payment isn't covering the interest, your balance is going to keep climbing, so you gotta throw some extra cash at it.Don't just sit there like a bump on a log; call up your credit card company and ask them to lower that interest rate, it's worth a shot!Building an emergency fund is key, or you'll end up right back in the credit card quicksand when life throws you a curveball.Paying more than the minimum payment is your secret weapon to fighting back against that growing balance, so use it wisely!Remember, you're not alone in this struggle; keep taking small steps and don't lose heart, because freedom from debt is possible!Links referenced in this episode:financiallyconfidentchristian.com/questionfinanciallyconfidentchristian.com/voicemail💛 Join the Financially Confident Christian CommunityIf today’s episode encouraged you, we’d love to invite you to be part of something bigger — the Financially Confident Christian Community.This is where faith and finances come together — a growing family of believers supporting one another, sharing encouragement, and helping spread God’s truth about money.Your membership helps keep the show free for everyone while funding new devotionals, study guides, and outreach resources.👉 Learn more and join the mission at financiallyconfidentchristian.com/joinTogether, we’re helping believers everywhere break the cycle of financial shame and live with confidence in Christ. 🙏Get Ralph's Book on becoming a Financially Confident Christian financiallyconfidentchristian.com/becomingLISTEN NOWWATCH NOW ON YOUTUBE (OUR VIDEO VERSION)WATCH NOW ON RUMBLE (OUR VIDEO VERSION)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 pageLeave A Voicemail Message
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    12 分
  • Should I Keep Giving While I'm Still Drowning in Debt?
    2026/07/28
    Today, we’re diving into one of the trickiest money dilemmas out there: should you give to the church or focus on paying off your debt first? I mean, it’s a real head-scratcher, right? We’ve all been there, feeling that tug-of-war in our hearts. Should I Keep Giving While I'm Still Drowning in Debt? One side says to honor God with your giving, while the other screams, "But you owe so much!" It’s a guilt trip waiting to happen. But here’s the good news: we’re unpacking how to juggle both generosity and smart money moves without the stress. So, grab your favorite snack, kick back, and let’s get into it!Read today's blog article Check out the full podcast episode hereJuggling debt and generosity can feel like trying to balance a tightrope while juggling flaming torches—pretty risky! This episode dives deep into the age-old question: Should you keep giving to your church while you’re drowning in debt? Our listener, who’s about $30,000 in the hole, feels the weight of guilt whether she gives or focuses on paying off her loans. We get real about this struggle. We emphasize that this isn’t just a numbers game; it’s about your heart. God isn’t looking to tally up your giving like some divine accountant. Instead, it’s about the intention behind your giving, how it reflects your relationship with Him, and how it shapes your heart. The episode offers a light-hearted yet sincere exploration of finances, faith, and the grace that comes from making thoughtful decisions. It’s all about striking that balance and finding a personal peace in both areas. So grab your headphones, kick back, and let’s tackle this financial balancing act together!Takeaways:It's a real struggle figuring out whether to give or tackle debt first, and we totally get it.Don't let guilt weigh you down on either side—God wants your heart, not just your money.Generosity isn’t about funding God; it’s about freeing our hearts from the grip of money.You can chip away at that debt while still being generous, and that's a win-win!Make giving a heart issue, not a math problem—find that sweet spot of joy and wisdom.Prayer is key! Take 10 minutes to chat with God about your giving and debt situation.Links referenced in this episode:financiallyconfidentchristian.com/questionfinanciallyconfidentchristian.com/voicemail💛 Join the Financially Confident Christian CommunityIf today’s episode encouraged you, we’d love to invite you to be part of something bigger — the Financially Confident Christian Community.This is where faith and finances come together — a growing family of believers supporting one another, sharing encouragement, and helping spread God’s truth about money.Your membership helps keep the show free for everyone while funding new devotionals, study guides, and outreach resources.👉 Learn more and join the mission at financiallyconfidentchristian.com/joinTogether, we’re helping believers everywhere break the cycle of financial shame and live with confidence in Christ. 🙏Get Ralph's Book on becoming a Financially Confident Christian financiallyconfidentchristian.com/becomingLISTEN NOWWATCH NOW ON YOUTUBE (OUR VIDEO VERSION)WATCH NOW ON RUMBLE (OUR VIDEO VERSION)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 pageLeave A Voicemail Message
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    14 分
  • My Income Is Different Every Month. How Do I Budget When I Never Know the Number?
    2026/07/27
    So, let’s dive into the nitty-gritty of budgeting when your paycheck is as predictable as a cat on a hot tin roof. We’re talking about how to manage that wild ride of income that changes every month. My Income Is Different Every Month. How Do I Budget When I Never Know the Number? I get it, it’s rough out there, especially if you’re hustling like my son, who juggles tips and commissions. But here’s the scoop: we’re breaking down a budget that’s custom-built for the unpredictable, so you can finally stop living paycheck to paycheck and start breathing a little easier. Stick around as we build a budget that flexes with your income without snapping under pressure!Read today's blog article Check out the full podcast episode hereBudgeting advice usually feels like a one-size-fits-all deal, but let’s be real, that’s just not how life works! We’ve got a special episode lined up today where we dig into the nitty-gritty of budgeting when your paycheck looks like a rollercoaster ride. I mean, if you’re living that gig economy life, or working on tips—like my son the barber—sometimes you’re flush with cash, and sometimes you’re scraping by. It can be a real headache trying to plan your finances when your income is as stable as a house of cards. But fear not! We’re here to help you create a budget that’s flexible enough to bend without breaking. We dive straight into how to set a baseline using your lowest monthly income, ensuring you can thrive in those lean months without resorting to a credit card panic. Trust me, we’ll get you on track to manage those ups and downs like a pro.Now let’s talk about how you can build this budget step by step. First, we want you to find your 'floor'—that lowest income month you’ve had in the past year. We want to make sure all your essentials are covered, so when the going gets tough, you’re not left high and dry. Then, we discuss the golden rule of getting a month ahead on your expenses. Imagine living on money you’ve already earned! That’s the dream, right? We wrap up with some practical tips on setting up your accounts, paying yourself a consistent salary, and giving every good month a purpose. This way, when that cash influx hits, you won't just blow it on snacks and new shoes—unless they're really cute, of course! So stick around; we’re making budgeting fun and manageable!Takeaways:Standard budgeting advice is a no-go for folks with unpredictable income like us.You can actually budget based on your worst month, not some pie-in-the-sky average.Getting a month ahead with savings can totally change the budgeting game for you.Paying yourself a steady salary from variable income keeps the budget vibes chill and predictable.Links referenced in this episode:financiallyconfidentchristian.com/questionfinanciallyconfidentchristian.com/voicemail💛 Join the Financially Confident Christian CommunityIf today’s episode encouraged you, we’d love to invite you to be part of something bigger — the Financially Confident Christian Community.This is where faith and finances come together — a growing family of believers supporting one another, sharing encouragement, and helping spread God’s truth about money.Your membership helps keep the show free for everyone while funding new devotionals, study guides, and outreach resources.👉 Learn more and join the mission at financiallyconfidentchristian.com/joinTogether, we’re helping believers everywhere break the cycle of financial shame and live with confidence in Christ. 🙏Get Ralph's Book on becoming a Financially Confident Christian financiallyconfidentchristian.com/becomingLISTEN NOWWATCH NOW ON YOUTUBE (OUR VIDEO VERSION)WATCH NOW ON RUMBLE (OUR VIDEO VERSION)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 pageLeave A Voicemail Message
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    11 分
  • Avalanche or Snowball? Which Debt Do I Actually Pay First?
    2026/07/26
    Today, we’re diving deep into the debt payoff debate, where the math says to tackle one debt first, but your gut is pulling you in another direction. It's a real pickle, and let me tell you, being stuck in this tug-of-war is costing you more than you think. Avalanche or Snowball? Which Debt Do I Actually Pay First? We're breaking down the avalanche and snowball methods to see which one fits your vibe better. Spoiler alert: the best plan isn’t always the one that looks good on paper; it’s the one you can actually stick with. So if you're tired of spinning your wheels and ready to pick a path, hang tight because we’re about to help you get unstuck and rolling toward those financial wins!Read today's blog article Check out the full podcast episode hereNavigating the wild world of debt can feel like being stuck between a rock and a hard place, right? So, let's break it down! We’ve got two main methods to tackle debt: the Avalanche and Snowball approaches. One's all about saving those precious bucks by hitting the highest interest rates first, while the other focuses on knocking out the smallest debts to build that sweet momentum. But here’s the kicker — it’s not just about the math, folks! It’s about what keeps you motivated. If you’re the kind of person who needs those quick wins, the Snowball method might just be your jam. It’s all about getting that little victory under your belt and pushing forward. On the flip side, if you’re all about saving the big bucks in the long run, then the Avalanche method might be calling your name. Ralph breaks it down, reminding us that the best plan is the one we actually stick to. So, whether you’re rolling with snowballs or avalanches, the key is to keep making progress and celebrate those small victories along the way. No one’s expecting you to solve your financial woes overnight, but taking that first step? That’s where the magic happens!Takeaways:When tackling debts, the math suggests paying off one debt at a time, focusing on the highest interest first.Your gut feeling might steer you towards knocking out smaller debts for that sweet sense of victory and progress.Choosing between the avalanche and snowball methods isn't about being smart or dumb; it's about what motivates you to keep going.A solid debt plan should fit your life and keep you engaged, rather than just looking good on paper.Don't ignore the emotional side of debt; it can seriously weigh you down and make progress feel impossible.Celebrate every small win, like paying off a little card, because it fuels your motivation to tackle bigger debts.Links referenced in this episode:financiallyconfidentchristian.com/questionfinanciallyconfidentchristian.com/voicemail💛 Join the Financially Confident Christian CommunityIf today’s episode encouraged you, we’d love to invite you to be part of something bigger — the Financially Confident Christian Community.This is where faith and finances come together — a growing family of believers supporting one another, sharing encouragement, and helping spread God’s truth about money.Your membership helps keep the show free for everyone while funding new devotionals, study guides, and outreach resources.👉 Learn more and join the mission at financiallyconfidentchristian.com/joinTogether, we’re helping believers everywhere break the cycle of financial shame and live with confidence in Christ. 🙏Get Ralph's Book on becoming a Financially Confident Christian financiallyconfidentchristian.com/becomingLISTEN NOWWATCH NOW ON YOUTUBE (OUR VIDEO VERSION)WATCH NOW ON RUMBLE (OUR VIDEO VERSION)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 pageLeave A Voicemail Message
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    15 分