Get Out Of Debt Guy Show

Easy access to credit can feel like a lifeline—but it’s often a trap that silently drains your future. In this episode, Damon breaks down why waiting to deal with your debt might feel safe, but actually costs you your best options. You’ll hear the story of someone who waited too long, why most people delay action until it’s almost too late, and what you can do right now to reclaim control and peace of mind. Don't wait until you're out of choices—choose happiness, not financial martyrdom.

Ever felt like your brain just shuts down when bills pile up? That’s not weakness—it’s survival mode. In this episode, Steve shares the science behind debt panic, why even high earners like John can fall hard, and how shame, stress, and fear hijack your ability to make good decisions. You’ll hear real stories, practical advice, and why finding a real debt coach—not a salesperson—is the lifeline you might need. Featuring a shoutout to expert coach Damon Day and Steve’s own experience facing financial crisis.You can find Damon at https://DamonDay.com

Everyone tells you to be debt-free—but what if that goal is a trap? Damon shares the story of Anthony, a man who paid everything off… and still ended up back in debt. In this eye-opening episode, Damon unpacks the real definition of debt (hint: it’s not just credit cards and loans) and explains why the fantasy of “zero balance” might actually cost you more than it saves. If you’ve ever chased the scoreboard or felt like you're falling behind—even after doing everything right—this one’s for you.You can reach Damon at https://DamonDay.com

We all say we want to raise financially savvy kids—but what if we’re accidentally setting them up to fail? In this episode, Damon Day dives into why one-off financial literacy classes aren’t enough, how kids actually learn about money, and why giving them real experience (yes, even with a credit card) might be the smartest move you make as a parent.You'll hear the story of Marcus, a teen who aced his finance class but still found himself drowning in debt—and what his journey reveals about the emotional side of money most lessons leave out. Damon also breaks down the science behind why short-term gains from finance education often fade, and how your own spending habits might be your child’s most powerful classroom.This one’s part wake-up call, part practical guide—and it might just change how you think about teaching money forever.

Struggling to save money—even when you know you should? In this powerful episode, Steve Rhode dives deep into the most effective saving techniques that actually work in real life. With over 30 years of experience helping people get out of debt, Steve shares unforgettable stories about emotional spending, budgeting breakdowns, and how small changes can lead to big savings. You'll learn why guilt fails, how to create better money habits, and how to stop fighting about finances with your partner. Whether you’re new to saving or trying to rebuild after setbacks, this episode offers real-world money advice, practical tools, and hope. Featuring smart saving strategies, Dollar Cost Averaging tips, and insights into financial wellness that go way beyond the numbers.

If you’ve ever felt like you’re drowning in debt, confused by the system, and overwhelmed by empty promises, this episode is for you. Damon Day, the new Get Out of Debt Guy, is rolling solo today to talk about what real debt help looks like — and why having the right debt coach by your side can change everything.You’ll hear real stories of people like Mark and James, who escaped the trap of debt relief scams, avoided bad deals, and took smart steps like strategic bankruptcy to rebuild credit and reclaim their future. Damon breaks down why most "debt solutions" you find online are really just sales pitches—and what real financial advice should sound like: no pressure, no magic tricks, just clear options, honest answers, and a path forward.If you're tired of guessing, stressing, and second-guessing, tune in for a heart-to-heart that could be your first real step toward financial freedom.

You can share a bed, a future, and even a family—but if you can’t share your financial truth, the cracks will show. In this episode, Steve unpacks why financial intimacy is often harder than physical intimacy, how hidden money secrets can quietly destroy relationships, and what happens when one partner finally decides to come clean. Plus, you'll hear the powerful story of a man who waited too long to be honest—and lost the love of his life.If you—or someone you know—is carrying a financial secret, don't wait. Get a plan in place with help from debt coach Damon Day at DamonDay.com.

When you're broke, being smart with money isn't enough. In this episode, Steve Rhode (the old Get Out of Debt Guy) and Damon Day (the new Get Out of Debt Guy) unpack the hidden costs of living in debt—how fees, interest, lost time, and limited options keep people stuck. From $14 billion in late fees to the myth of credit scores over freedom, this is the must-hear reality check about what debt is really costing you. And more importantly, what you can do about it.

We reboot our phones, our routers, even our laptops when they freeze—without hesitation. But when our finances lock up? We stall. We panic. We wait. Why is that?In this episode of The Get Out of Debt Guy podcast, Steve shares a powerful, immersive story about the hidden emotional roadblocks that keep people stuck—and the simple, life-changing power of a financial reboot.If you’re ready to reset your money and reclaim your peace, visit GetOutOfDebt.org for real help.Need someone to help you build a personalized plan? Talk to Damon at DamonDay.com—he’s still helping good people through tough times.

Feeling stuck in debt? Starting over might sound like failure, but it could be the smartest, most freeing move you’ll ever make. In this episode, Damon Day shares why hitting reset isn’t the end—it’s the exit. If you’re ready to breathe again, this one’s for you.Want to talk to Damon? Visit https://damonday.com

Is fixing your credit really that hard—or are scammers just making a fortune convincing you it is? In this episode, Steve Rhode, the original Get Out of Debt Guy, and Damon Day, the new Get Out of Debt Guy, break down the surprisingly simple truth about credit repair—and the dangerous line where it crosses into credit fraud. From bogus CPNs to sketchy piggybacking services, we’re calling out the tricks that cost people billions every year.You’ll learn what actually works to improve your credit score, why your Credit Karma number might not matter, how to legally clean up errors, and why no one needs to spend a fortune to get their financial life back.

If you’ve just hit rock bottom—or you're stuck in the guilt, fear, and shame of financial failure—this episode is for you.In this raw and compassionate conversation, Steve shares what really keeps people from starting over, and why the problem isn’t your finances—it’s the weight you’re still carrying. You’ll hear powerful stories from his time as the debt coach on the reality show Starting Over, including one unforgettable moment with a woman buried in financial shame… and the two surprising lessons he walked away with.We’ll talk about:Why advice like “just be grateful” doesn’t help when you’re grievingThe real reason you can’t move forward yet—and how to know when you’re readyWhat a widower taught a doctor (and Steve) about starting over after deep lossHow to shift from shame to forward motion—without pretending you're okayThis episode isn’t a lecture. It’s a light in the dark. And if you’re feeling stuck, scared, or lost... I promise, there’s a path forward—and it starts here.

Is it possible to make extra money without burning yourself out in a second job you hate? Damon Day says yes—and in this episode, he’s walking you through the side hustles that actually work.Whether you're trying to avoid late bills, kill off debt, or just want a little breathing room in your budget, this episode breaks down exactly how to get started. Damon shares real results from testing side gigs like DoorDash, Uber Eats, Instacart, Lyft, Walmart Spark, and more—plus the truth about what works, what wastes your time, and how to know the difference.

The market’s tanking. Your retirement account just took a nosedive. And TikTok says a magic letter can make your debt vanish. Deep breath.In this episode of The Get Out of Debt Guy Podcast, I’m joined by Damon Day to unpack how fear—not numbers—is the real danger when it comes to both investing and debt. We’ve seen it all: folks yanking their retirement funds at the worst moment, others clinging to internet myths hoping a certified letter will scare off a debt collector. Spoiler alert: it won’t.Here’s what we get into:What stock market crashes teach us about emotional money decisionsWhy selling in a panic locks in your lossesHow dollar cost averaging works—and why it might save your sanityThe truth about debt validation letters and charge-offsThe emotional toll of chasing bad advice disguised as “debt tips”Whether your 401(k) is in free fall or you’re wondering if that letter to a collector really worked, this episode brings real talk with no scare tactics. Just insight, a little humor, and a reminder: you’re

Feel like you’ve failed at saving money? You’re not alone—and you’re not broken. In this episode, Steve, The Get Out of Debt Guy, shares how saving money has changed over the decades and how the system is wired to keep you spending. But here’s the good news: you can still build real savings—without pain, guilt, or spreadsheets.

Millions swear by Dave Ramsey’s advice—but what if following it blindly is costing you more than you realize?In this episode, Steve opens up a respectful but honest conversation about:- Why Dave’s advice works for some… and hurts others.- The hidden cost of the “pay it all off first” mindset.- Why relying only on debit cards might be riskier than you think.- What the U.S. Constitution says about bankruptcy (yes, really).- How lost retirement time can quietly rob you of a million dollars.- The moral guilt around debt—and whether it’s helping or harming you.We’re not here to bash Dave—we’re here to question what’s right for you. Because financial freedom doesn’t come from one-size-fits-all advice. It comes from critical thinking, compassion, and math that actually works.

Feeling overwhelmed by debt and not sure how to get debt free? You’re not alone—and the truth is, getting debt free isn’t a one-size-fits-all journey. In this episode, I break down why your path to becoming debt free should be based on your life, your goals, and your unique challenges—not some cookie-cutter plan.We’ll talk about: • Why becoming debt free is more emotional than mathematical • The panic and fear that lead people to make poor choices • Real stories of people who felt hopeless and found relief • How talking to someone like me can uncover options you never knew you had • The many different paths to getting debt free—some of which might surprise youSteve always says, “Debt is nothing but math wrapped in emotion”—and once you understand that, everything changes. If you’re feeling stuck, ashamed, or unsure where to start, this episode is for you.This isn’t about quick fixes or one-size-fits-all solutions. It’s about finding your way to a life that’s truly debt free—and emotionally free too.You can re

Payday loans, overdraft fees, and financial protection—everything you thought was regulated just got turned upside down. In this eye-opening episode, consumer debt experts Steve Rhode and Damon Day expose how Congress quietly revived a dangerous banking loophole, while the Consumer Financial Protection Bureau (CFPB) stripped away critical protections against unauthorized withdrawals from payday lenders, title loans, and high-interest installment loans. If you've ever struggled with payday loans, overdraft charges, or found yourself trapped in high-interest debt, you can't afford to miss this. Steve and Damon break down exactly how these changes can impact your bank account, why overdraft fees are spiking from $5 to $35 or more, and what practical steps you can take right now to protect your money. Packed with clear financial advice, actionable debt solutions, and the truth banks don’t want you to know—this is the podcast episode your wallet needs.The two posts referenced in this podcast are:Congress J

When someone you care about is in a debt crisis, knowing how to help without making things worse is harder than it sounds. In this episode, I break down what to say (and what not to say) to someone going through a financial crisis—and how your support can be the thing that helps them find a way out.We’ll talk about why a debt crisis isn’t just about money—it’s about fear, shame, and feeling stuck. And I’ll show you how to avoid the common emotional traps that lead to bad decisions and lasting regret.If you’re facing a debt crisis yourself, or you’re trying to help someone else through it, this episode is for you.

Struggling with a low credit score and don’t know where to start? In this episode of The Get Out of Debt Guy Podcast, Damon Day pulls back the curtain on the credit score improvement tips that actually work—no fluff, no gimmicks, and no shady “credit repair” schemes.Whether you’re dealing with collections, maxed-out cards, or just trying to rebuild after a financial hit, this episode breaks down exactly how credit scores are calculated—and how to start improving yours today. You’ll hear real stories, like Carlos, who turned a 545 score into a 710 without falling for credit repair traps.