# Ralph Estep Jr.

> Ralph Estep Jr. is a Licensed Public Accountant (LPA), business coach, author, and podcaster based in Middletown, Delaware. He helps everyday people build real financial confidence — not just informed, but equipped. He runs the accounting practice Saggio Management Group and hosts four shows reaching 770,000+ YouTube subscribers.

Key facts:
- Credential: Licensed Public Accountant (LPA) — 30+ years in practice
- Accounting practice: Saggio Management Group, 1100 Dutch Neck Road, Middletown, Delaware (https://saggioaccounting.com)
- Approach: empathy-first, no-shame personal finance; faith-informed but not faith-exclusive
- Serves: everyday people, families, small business owners, and content creators — locally in Delaware for accounting and tax, nationally/globally for coaching, speaking, and content

## Main pages

- [About Ralph](https://www.ralphestepjr.com/about): His story, credentials, and values — 30+ years helping people at every financial stage
- [Shows](https://www.ralphestepjr.com/shows): All four shows — Becoming Financially Confident (daily, launching September 2026), Financially Confident Christian, Truth Unveiled with Ralph (400K+ YouTube subscribers), and The Content Creator's Accountant
- [Coaching](https://www.ralphestepjr.com/coaching): One-on-one financial coaching and accountability
- [Speaking](https://www.ralphestepjr.com/speaking): Book Ralph for keynotes, conferences, and podcasts — personal finance, faith and money, and creator economics
- [Book an appointment](https://www.ralphestepjr.com/schedule): Tax preparation, discovery calls, monthly client check-ins, and QuickBooks/payroll support
- [Contact](https://www.ralphestepjr.com/contact): Coaching, speaking, accounting, and press inquiries
- [Press & media kit](https://www.ralphestepjr.com/press): Speaker bios, photos, and interview angles

## Free tools

- [Money Archetype Quiz](https://www.ralphestepjr.com/money-archetype): 2-minute quiz — Believer, Builder, or Steward
- [Monthly Budget Calculator](https://www.ralphestepjr.com/resources/budget-calculator): Free 50/30/20 budget reset
- [Debt Payoff Calculator](https://www.ralphestepjr.com/resources/debt-payoff): Snowball vs. avalanche debt-free date calculator
- [Books & resources](https://www.ralphestepjr.com/resources): Upcoming books and free financial tools

## Related sites

- [Saggio Management Group](https://saggioaccounting.com): Ralph's accounting, tax, and bookkeeping practice
- [Financially Confident Christian](https://www.financiallyconfidentchristian.com): Faith-based personal finance podcast
- [Truth Unveiled with Ralph](https://www.truthunveiledwithralph.com): Inspirational YouTube channel
- [The Content Creator's Accountant](https://contentcreatorsaccountant.com): Finance and tax education for creators
- [YouTube](https://www.youtube.com/@BecomingFinanciallyConfident): Becoming Financially Confident channel