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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.

10/08/2026

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…

10/05/2026

A new podcast episode has just been released. Social Security Benefits for Young Children, Costco for One, and Scam Calls
In today’s episode, Ralph Estep Jr. and Juliet cover many topics.

Today’s Topics
✓ T-Mobile’s fee increases to $5.49 per voice line

✓ What T-Mobile’s price lock does not cover

✓ When a flu shot may cost you $0

✓ The $55-a-week Christmas savings plan

✓ Costco Gold Star vs. Executive for a one-person household

✓ Sweepstakes entries and scam calls

✓ Social Security benefits for qualifying children

✓ Separating fixed and variable expenses

Resources
Watch live weekdays at 11:30 AM Eastern:
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In today’s episode, Ralph Estep Jr. and Juliet cover many topics. Today’s Topics ✓ T-Mobile’s fee increases to $5.49 per voice line ✓ What T-Mobile’s price lock d…

10/03/2026

A new podcast episode has just been released. BFC Weekly Recap: IRS Collections, Adult Kids Moving Home, and Premium Gas
This week on Becoming Financially Confident, Ralph Estep Jr., a licensed public accountant with more than 30 years of experience, and Juliet, a first-time entrepreneur, dig into the money decisions that can get expensive fast.

From IRS letters and credit scores to adult kids moving home, rising health insurance premiums, grocery-store financing, car maintenance, medical bills, and surprise expenses, this episode covers the everyday financial choices that can have a much bigger impact than you e...

This week on Becoming Financially Confident, Ralph Estep Jr., a licensed public accountant with more than 30 years of experience, and Juliet, a first-time entrepren…

10/02/2026

A new podcast episode has just been released. Splitting the Check Without Shame, and Why High Earners Don't Feel Rich
Hosts: Ralph Estep Jr., LPA & Juliet, first-time entrepreneur

What happens when even six-figure earners stop feeling high income?

In this episode of Becoming Financially Confident, Ralph Estep Jr. breaks down why a Dollar General CEO says shoppers earning $100,000 or more no longer feel high income, plus a simple grocery price check you can try this week.

Ralph and Juliet also cover how to split a restaurant check without the awkwardness, why one in five Americans call sports betting an inves...

Hosts: Ralph Estep Jr., LPA & Juliet, first-time entrepreneur What happens when even six-figure earners stop feeling high income? In this episode of Becoming Fina…

10/01/2026

A new podcast episode has just been released. What Happens When You Ignore an IRS Notice, Plus the iPhone Siri Settlement
Hosts: Ralph Estep Jr., LPA & Juliet, first-time entrepreneur

What happens when a small IRS notice sits unopened in your junk drawer?

In this episode of Becoming Financially Confident, Ralph Estep Jr. breaks down how an IRS notice can escalate from a CP14 to a final notice, plus what you should do as soon as a letter arrives.

Ralph and Juliet also cover why retirees still need emergency savings, a proposed homebuyer savings match, the iPhone Siri settlement, using AI for money questions, and ...

Hosts: Ralph Estep Jr., LPA & Juliet, first-time entrepreneur What happens when a small IRS notice sits unopened in your junk drawer? In this episode of Becoming …

09/30/2026

A new podcast episode has just been released. Credit Utilization Explained: The 1% to 9% Credit Score Sweet Spot
Hosts: Ralph Estep Jr., LPA & Juliet, first-time entrepreneur

In this episode of Becoming Financially Confident, Ralph Estep Jr. explains

Why parents should put a simple written agreement in place before an adult child moves back home

College freshman money skills: Needs versus wants, compound growth, and responsible credit card use.

Medicaid family caregiver programs: How family caregiver pay may work in some states and why approved hours, paperwork, and state oversight matter.

Credit util...

Hosts: Ralph Estep Jr., LPA & Juliet, first-time entrepreneur In this episode of Becoming Financially Confident, Ralph Estep Jr. explains Why parents should put a…

09/29/2026

A new podcast episode has just been released. Why 42% of Adult Children Expect No Inheritance From Their Parents
Hosts: Ralph Estep Jr, a licensed public accountant of over 30 years + Juliet, a first-time entrepreneur.

Here's what we got into today:

Average credit scores drop for the first time since 2013, and why you should care about yours

What happens when you win $2,000 or more at a casino

HSAs versus FSAs, and why you should put as much as you can if you have an HSA

This week's giveaway update and the money move: checking your withholding

Got a money question for me? Send it to us at becomingfin...

Discover why 42% of adult children expect no inheritance from their parents, plus expert insights on credit scores, HSAs, and winning money at the casino.

09/28/2026

A new podcast episode has just been released. Do Mileage Cards Make You Spend More? Buy Now Pay Later and Car Warranties
Hosts: Ralph Estep Jr, a licensed public accountant of over 30 years + Juliet, a first-time entrepreneur.

Here's what we got into today:

What is direct primary care as a healthcare solution

What to consider when evaluating your mileage credit card benefits

Why stacked buy now, pay later plans at the grocery checkout worry me

What to consider between mechanical breakdown insurance versus a dealer warranty

Thoughts on the proposed 32-hour workweek bill

Our new weekly Amazon gift card giveaw...

Hosts: Ralph Estep Jr, a licensed public accountant of over 30 years + Juliet, a first-time entrepreneur. Here's what we got into today: What is direct primary ca…

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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