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Managing finances can feel overwhelming, especially when the details seem endless and confusing. It’s easy to feel lost, unsure of where to start or what steps to take next. With so many options, tools, and advice out there, it’s hard to know what really works. Taking control often starts with breaking things down into simpler steps and finding a system that fits your own needs, not someone else’s. https://www.youtube.com/watch?v=qU62XMAoFFA Ralph Estep, Jr. is a financial expert, entrepreneur, and the principal of Saggio Management Group, where he helps individuals and small businesses with tax preparation, financial management, and tech integration. With over 30 years of experience, including roles as a CFO and founder of Virtuale Success Inc., Ralph is passionate about helping others avoid financial pitfalls. When he’s not hosting the “Ask Ralph” show, he’s raising black angus cattle with his family on Estep Farm LLC. Today, Ralph shares his passion for empowering others to achieve financial freedo