Feeling overwhelmed by your debt total? You’re not alone. In this episode of Ask Ralph, Ralph shares the surprising power of small steps—specifically, how making a single $20 payment toward your smallest debt can break through discouragement and jumpstart momentum. Using biblical encouragement and relatable personal stories, he unpacks the psychology of progress and how even a tiny victory can reignite your hope and discipline. If you’re feeling stuck or unsure where to begin, this episode offers practical encouragement and serious debt payoff motivation.

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You’ll learn why quick wins matter, how to create your own debt snowball, and what Scripture says about small beginnings and faithful action. Ralph also guides you through a clear, faith-filled action step to help you make your first targeted extra payment today. It’s not about the amount—it’s about the movement. Tune in, find your $20, and take the first real step toward financial freedom.

Chapters:

• 00:12 - Igniting Your Debt-Free Journey
• 02:11 - Overcoming Financial Discouragement
• 03:40 - Taking Action Against Debt
• 06:56 - The Power of Small Beginnings
• 07:54 - Managing Unexpected Costs During Debt Repayment

Takeaways:

• Feeling overwhelmed by debt is super common, but there’s hope and a path forward!
• Even a small payment like $20 can kickstart your journey to being debt-free!
• Quick wins are key—paying off a small debt first can fuel your motivation!
• Building momentum through small victories helps tackle the big debt mountain ahead!
• Don’t let discouragement keep you down; start with that first tiny payment today!
• Celebrate your progress, no matter how small, and keep the debt attack going strong!

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