Is your morning coffee costing you more than you realize? In this episode of Ask Ralph, we take a closer look at one of the most common daily spending habits—and why it matters for Christian stewardship. Ralph unpacks how small, seemingly harmless purchases like coffee can quietly add up to thousands of dollars a year, and more importantly, how these patterns reflect the way we manage God’s resources. If you’ve ever wondered whether it’s time to rethink your routine, this episode will challenge you to reexamine your daily coffee habit.

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You’ll discover the real financial impact of that quick café stop, the opportunity cost it represents, and how small shifts can create margin for generosity, savings, and long-term peace. Ralph offers practical tips for brewing better at home, tracking small expenses, and prayerfully aligning even tiny spending habits with your bigger financial goals. Start today with a heart check—and a fresh cup brewed with intention.

Chapters:

• 00:03 - The Cost of Daily Habits
• 01:56 - Understanding the Impact of Small Daily Expenses
• 03:06 - The Power of Small Changes in Personal Finance
• 05:26 - The 30 Day Challenge: A Path to Better Financial Stewardship
• 06:47 - Financial Insights and Advice

Takeaways:

• That daily coffee run? It's not just a treat; it can cost you a fortune over time!
• Ralph's 30-day challenge is all about brewing your own coffee and seeing the savings add up!
• Small daily expenses can sneak up on you, so keep an eye on those little leaks!
• Stewardship is key, and paying attention to small habits can lead to big changes!

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