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Monday 9am - 5pm Tuesday 9am - 5pm Wednesday 9am - 5pm Thursday 9am - 5pm Friday 9am - 5pm

Saggio Accounting+PLUS

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Middletown, DE
Saggio Accounting+PLUS

Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Saggio Accounting+PLUS, Accountant, 1100 Dutch Neck Road, Middletown, DE.

Located in Middletown, Delaware, Saggio Accounting +PLUS, is a full service accounting and tax preparation firm offering a full range of accounting services, all designed with you, the valued client, in mind.

10/16/2026

A new podcast episode has just been released. How a 40-Year Banker Paid Off $23,000 of Debt With a 401(k) Loan
In today’s episode, Ralph Estep Jr. and Juliet sit down with retired banker Tina Poole and break down convenience store overcharging, AI bill negotiators, and the condo market.

In This Episode
✓ A $3.99 pack of gum rang up at $4.99, and Circle K failed 35% of price checks

✓ AI bots now call your cable company and haggle your bill, but who wins when the bots talk to each other?

✓ A $260,000 Colorado condo, a $470 monthly HOA, and a buyer who says he feels trapped

✓ Tina Poole’s 40 years in ba...

In today’s episode, Ralph Estep Jr. and Juliet sit down with retired banker Tina Poole and break down convenience store overcharging, AI bill negotiators, and the c…

10/15/2026

A new podcast episode has just been released. IRS Employees Snooped 86 Times, and 175 Taxpayers Were Never Told
In today’s episode, Ralph Estep Jr. and Juliet explain how to calculate how much life insurance you need, and why Ralph’s own health nearly priced him out.

In This Episode
✓ IRS employees snooped on taxpayer records 86 times

✓ Housing affordability at a 19-year low

✓ Why boomers’ $93 trillion may not reach their kids

✓ The DIME formula: debt, income, mortgage, education

✓ Term vs. whole life, and what a medical exam checks

✓ How losing 200 pounds changed Ralph’s rating

If you’ve been putt...

In today’s episode, Ralph Estep Jr. and Juliet explain how to calculate how much life insurance you need, and why Ralph’s own health nearly priced him out. In This…

10/14/2026

A new podcast episode has just been released. Debt Collectors Are Suing More and Winning: Why You Should Never Ignore a Summons
In today’s episode, Ralph Estep Jr. and Juliet focus on why debt collectors are suing more people and winning, and what to do the moment a summons arrives.

In This Episode
✓ Debt collectors are suing more, and 3 in 4 cases end in a default judgment

✓ A $600 deposit from a former employer: whose money is it?

✓ Every $100 in minimum payments cuts thousands off what a lender will approve

✓ Side hustle pitfalls: separate accounts, a tax jar, real pricing, boundaries, and paperwork

✓ Roth vs. tr...

Discover why debt collectors are suing more and winning default judgments. Learn what to do immediately if you receive an official legal summons.

10/13/2026

A new podcast episode has just been released. Banks vs. Credit Unions: Who Owns Your Money and Who Pays You More
In today’s episode, Ralph Estep Jr. and Juliet focus on understanding the differences between backs and credit unions, and why Ralph is such a fan of credit unions.

In This Episode
✓ A startup selling AI audit tools to state tax agencies

✓ 52% of working retirees say money is the reason

✓ Car loan interest deduction: up to $10,000 a year, minus negative equity

✓ Banks vs. credit unions: ownership, rates, fees, and FDIC vs. NCUA safety

✓ Money move: find your real life insurance number

If y...

In today’s episode, Ralph Estep Jr. and Juliet focus on understanding the differences between backs and credit unions, and why Ralph is such a fan of credit unions.…

10/12/2026

A new podcast episode has just been released. Why Cashing Out an Old 401(k) Can Cost Around 40% and What to Do Instead
In today’s episode, we unpack how much Amazon knows about you, cover a few money stories from the news, and answer listener questions, then Ralph kicks off Life Insurance Week with a quick 15-minute check.

In This Episode
✓ What Amazon’s About You page knows about you

✓ How to find and edit your own profile

✓ Money stories from the news that could hit your wallet

✓ Three listener questions on bills, debt, and retirement accounts

✓ Life Insurance Week: a 15-minute check to get started

Resou...

In today’s episode, we unpack how much Amazon knows about you, cover a few money stories from the news, and answer listener questions, then Ralph kicks off Life Ins…

10/10/2026

A new podcast episode has just been released. BFC Weekly Recap: A $600,000 Pig Butchering Scam and a $225,000 IRS Bill
What do a $5.49 phone fee, a $55 weekly holiday plan, and a $225,000 IRS bill have in common?

They can all change how much of your paycheck you actually keep.

In this weekly recap, Ralph Estep Jr. and Juliet cover what you missed from Oct. 5-9: a rising phone fee, a simple Christmas savings plan, tax preparer red flags, a $600,000 scam that came with a $225,000 IRS bill, and why a $5,000 raise pays about $3,500.

In This Episode
✓ A phone fee that keeps climbing

✓ A $55 a week plan to pay for...

What do a $5.49 phone fee, a $55 weekly holiday plan, and a $225,000 IRS bill have in common? They can all change how much of your paycheck you actually keep. In …

10/09/2026

A new podcast episode has just been released. 401(k) Loan Costs: Double Tax, Lost Growth, Job Loss Risk
Thinking about borrowing from your own 401(k)? This episode covers the four costs most people miss, plus a scam tax twist and the Zelle trap.

In This Episode
✓ A pig butchering victim who lost $600,000, then got a $225,000 IRS bill

✓ The friend who pays for everything, and the red flags to watch for

✓ The 401(k) loan: four costs of paying yourself back

✓ A $4,000 hybrid premium and five drawbacks dealers skip

✓ The Zelle "friends and family" trap

✓ Check in on this week's Money Move: list ...

Thinking about borrowing from your retirement plan? Discover the hidden 401(k) loan costs, including double taxation, lost market growth, and job loss risks.

10/08/2026

A new podcast episode has just been released. 4 Car Buying Mistakes That Cost Thousands (Plus Ralph’s 20/4/10 Rule)
If you’ve ever walked onto a car lot without a number in mind, this episode shows you the four mistakes that cost people thousands and the 2410 rule that keeps you in control.

In This Episode
✓ A We Buy Ugly Houses franchise owner’s 15-year sentence for a $40 million fraud, and the one search that could have flagged it

✓ A Georgia tax preparer accused of keeping truck drivers’ IRS payments, and how to confirm yours arrived

✓ Why you pay the IRS directly and ask any preparer for proof of filin...

If you’ve ever walked onto a car lot without a number in mind, this episode shows you the four mistakes that cost people thousands and the 2410 rule that keeps you …

10/07/2026

A new podcast episode has just been released. Good Debt vs. Bad Debt: Three Questions to Sort Every Debt You Carry
If you've ever wondered whether the debt you carry is helping you or holding you back, this episode gives you three questions to find out.

In This Episode
✓ Ralph's 2.5 hour call with a chain of customer service bots pretending to be human

✓ The new IRS app, what it does, and why to download it only from official sources

✓ Four checks for vetting a tax preparer after a former IRS employee's indictment

✓ Side gig or career growth: the after-tax math on $10,000 of side income

✓ Good debt vs. ...

If you've ever wondered whether the debt you carry is helping you or holding you back, this episode gives you three questions to find out. In This Episode ✓ Ralph'…

10/06/2026

A new podcast episode has just been released. Making vs. Having vs. Keeping Money: Where Your Paycheck Really Goes
What do a recalled grill brush, a 31% jump in Thanksgiving airfare, and a $5,000 raise have in common?

They can all affect your wallet in ways you might not expect.

In today’s episode, Ralph Estep Jr. and Juliet unpack the money stories worth paying attention to, from millions of recalled products to rising travel and streaming costs. Then they shift into a bigger conversation about the difference between making money, having money, and keeping money.

You’ll also hear a simple three-number ex...

What do a recalled grill brush, a 31% jump in Thanksgiving airfare, and a $5,000 raise have in common? They can all affect your wallet in ways you might not expect…

Address

1100 Dutch Neck Road
Middletown, DE
19709

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Website

http://www.saggioaccounting.com/

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