🎄 The holiday season is here, and while it’s a time for joy and celebration, it can also bring its fair share of financial stress. Does the thought of overspending or holiday debt sound familiar? You’re not alone—and this week’s episode of Thrive by The Rising Muse has you covered!
In our latest conversation, hosts Naty and Veda sit down with renowned financial expert Ralph Estep Jr. from Saggio Accounting+PLUS. Together, we uncover the keys to celebrating Christmas with intention, love, and financial wisdom. Ralph shares simple yet powerful tips to help you stay within your budget while creating meaningful holiday memories that focus on what truly matters—faith, family, and togetherness.
💡 Here’s a glimpse of what you’ll learn in this episode:
- How to create a holiday spending plan that actually works
- The “24-Hour Rule” for avoiding impulse buys
- Creative gift ideas that won’t break the bank
- How to keep Christ at the center of your Christmas celebrations
Ralph also touches on the emotional side of the season, sharing ways to connect with loved ones, embrace gratitude, and support others who might be struggling. Plus, he’s giving our listeners an exclusive free resource to help make this your most mindful and stress-free holiday yet!
Ralph V. Estep Jr. is a distinguished finance, accounting, and technology professional with a dynamic career spanning decades. As the principal at Saggio Management Group, Inc., Ralph has built a reputation for leadership, innovation, and excellence in financial management and entrepreneurship. His academic achievements include a Bachelor of Science in Accounting from the University of Delaware and an MBA from Wilmington University. Over the years, Ralph has earned prestigious professional designations, including Licensed Public Accountant (LPA) and Accredited Business Accountant (ABA). His career highlights include serving as CFO at Westminster Presbyterian Church, Executive Vice President at American Spirit Federal Credit Union, and controller at a prominent Delaware law firm, where his innovations in financial and operational systems significantly advanced organizational efficiency.
In addition to his professional endeavors, Ralph is deeply committed to leveraging technology to modernize financial practices, founding cutting-edge firms such as The Estep Group and Capital Cloud Solutions. Beyond finance, Ralph co-founded Estep Farm LLC, raising Black Angus cows, and shares his financial expertise through the “Ask Ralph” podcast and radio show. His commitment to community and education is reflected in his mentorship roles and participation in leadership training programs. Happily married to Jennifer Estep with two sons, Ralph balances a thriving career with a rich family life, leaving an indelible mark in both professional and personal spheres.
✨ Ready to shift your mindset this holiday season? Click the link to listen now and learn how you can make Christmas memorable without overspending. Don’t forget to grab your free holiday guide here—it’s our first gift to you this Christmas!
Naty Matos 