In this episode, Joe Edgar and Ethan Krok welcome Ralph Estep Jr., an accomplished accountant, author, and host of several financial podcasts. Ralph shares his expertise on the challenges facing the Social Security system, exploring potential solutions such as raising the retirement age, means testing, and addressing government spending. He also provides valuable advice for individuals on how to secure their financial future, emphasizing the importance of starting early with savings and managing personal finances effectively. The conversation delves into Ralph's personal story, including his unique journey into cattle farming and experiences from his upbringing that shaped his passion for empowering people through financial literacy. Tune in to gain a deeper understanding of the multifaceted issues surrounding Social Security and practical tips for financial confidence.