Debt isn’t just about numbers—it’s about the emotional, moral, and even spiritual weight it puts on your shoulders. In this episode of The Get Out of Debt Podcast, Steve Rhode, the original Get Out of Debt Guy, and Damon Day, the new Get Out of Debt Guy, dive deep into the centuries-old struggle of the morality of debt and how to get out of debt when you’re stuck. We tackle why guilt and shame can keep you trapped, why lenders share responsibility for the problem, and explore debt advice that re...
Aug 12, 2025•40 min
Are you ready to learn how to get out of debt while cutting expenses without hating your life? In this episode of the Get Out of Debt Guy Show, I’m joined by Damon Day to unpack simple, sustainable debt advice that makes saving money feel manageable. We explore realistic spending habits that can sabotage your financial goals—like trying to impress others—while providing smarter choices such as buying a used car at the right depreciation point and understanding how technology is transforming car ...
Aug 04, 2025•37 min
We kick things off by answering a listener’s question: How do I know if my interest rate is too high? Seems simple—until we dig into the loopholes big banks use to dodge state usury laws and how shady tribal loan scams worked… until they didn’t. But buckle up—because what follows is the real headline: a massive, catastrophic overhaul of the federal student loan system that almost nobody is talking about. From new borrowing caps to hidden rule changes that could disqualify you from forgiveness af...
Jul 28, 2025•43 min
Life doesn't wait — and when the unexpected hits, your finances can crumble fast if you're not ready. In this episode, Steve Rhode, the original Get Out of Debt Guy, and Damon Day, the new Get Out of Debt Guy, dive into the real cost of living paycheck to paycheck, why guilt is keeping you broke, and what smarter financial choices look like when you're staring down layoffs, car trouble, or divorce. This isn’t about judgment — it’s about giving you real options, real strategies, and a chance to b...
Jul 21, 2025•28 min
Big changes are coming for Parent PLUS loans—and most families have no idea. In this episode of The Get Out of Debt Guy Show , Steve Rhode and Damon Day break down the hidden deadlines, confusing rule changes, and massive traps built into the new Parent PLUS system. If you’re planning to help your kid with college—or already have Parent PLUS loans—June 30, 2026 is the line in the sand. Miss it, and you may permanently lose access to income-driven repayment and Public Service Loan Forgiveness. We...
Jul 07, 2025•27 min
Today on The Get Out of Debt Guy Show , Steve and Damon are together in person for a rare live conversation—and they’re diving deep into a topic most people avoid: bankruptcy attorneys . After a lunch with a bankruptcy lawyer, they share insider perspectives on why so many people avoid bankruptcy even when it might be the best option. From emotional roadblocks and bad first impressions to sales tactics from debt relief companies that push people into costly mistakes—this episode unpacks it all. ...
Jun 30, 2025•26 min
In this eye-opening episode, I sit down with Damon Day to talk about the fast-moving threat of artificial intelligence replacing middle-class jobs. From customer service reps to financial analysts and marketing writers, AI isn’t just nibbling around the edges — it’s bulldozing through entire career paths. We talk about what jobs are most at risk, whether upper management is really safe, and how fast this change is coming. (Spoiler: faster than you think.) We’ll also lay out practical steps you c...
Jun 23, 2025•35 min
Debt and guilt go hand-in-hand—and not in a good way. In this episode of the Get Out of Debt Guy podcast, Steve (the original Get Out of Debt Guy) and Damon Day (the new Get Out of Debt Guy) dive into the toxic guilt that keeps people stuck in debt and making bad financial decisions. From draining retirement accounts to hiding credit card debt with more debt, guilt can lead to a spiral of shame, silence, and survival-mode living. Steve and Damon share their personal rock-bottom moments—from cold...
Jun 16, 2025•28 min
Is it more moral to protect your future—or to financially bleed yourself dry trying to pay everyone back? In this episode, Steve, the original Get Out of Debt Guy, and Damon Day, the new Get Out of Debt Guy, unpack the emotional weight and moral confusion around debt, repayment, and financial survival. From the fear of bankruptcy to the guilt of walking away from a debt you can’t afford, we tackle the gray areas most people never talk about. We’ll explain why your sense of “doing the right thing...
Jun 09, 2025•37 min
Steve, the original Get Out of Debt Guy, and Damon, the new Get Out of Debt Guy, crack open the rolling doors of America's $44 billion self-storage obsession. From emotional clutter and forgotten bins to the sneaky subscriptions draining your wallet, this episode is a deep clean for your finances and your soul. Damon shares how he finally closed his last unit after 20 years—and what he found inside. Spoiler: it wasn’t gold. Plus, practical advice on investing the money you're wasting on space yo...
Jun 03, 2025•37 min
Too many people waste thousands chasing the wrong debt solution. In this eye-opening episode, Steve Rhode—the original Get Out of Debt Guy—and Damon Day—the new Get Out of Debt Guy—pull back the curtain on the truth behind debt relief programs, credit counseling, debt settlement, Dave Ramsey plans, and even bankruptcy. We break down: Why people fall for the wrong solution What debt relief companies don’t tell you How to weigh real options like credit counseling vs. bankruptcy The hidden cost of ...
May 27, 2025•46 min
In this episode of the Get Out of Debt Guy podcast, I answer a powerful listener question from a 71-year-old semi-retired filmmaker who’s buried in $30,000 of credit card debt. After losing income from DVD sales, he’s now fielding calls from debt relief companies offering to settle or consolidate his debt—but something doesn’t feel right. We talk about how to spot red flags in the debt relief industry, including fake law firm branding, misleading promises, and manipulated review sites like Trust...
May 23, 2025•8 min
Struggling to choose the right credit card? In this episode of the Get Out of Debt Guy podcast, Damon Day breaks down how to find a credit card that actually works for you—not against you. Learn why the interest rate doesn’t matter if you pay off your balance every month, which rewards are truly worth it, and why using a credit card is often safer than using a debit card. Damon also shares a real-life client story and gives you a simple checklist to make your next credit card decision smart, saf...
May 21, 2025•6 min
Is college still the golden ticket—or just expensive boomer advice? In this episode of the Get Out of Debt Guy podcast, Steve and Damon unpack the myths, numbers, and alternatives to a traditional 4-year degree. They talk about community college, trades, side hustles like DoorDash, and why letting your kid live at home a little longer might be the smartest financial move you can make. If you're weighing student loans, career paths, or just trying to avoid a six-figure mistake, this one’s for you...
May 20, 2025•39 min
Money discussions should be simple—but they rarely are. Fear, anger, mistrust, and emotional baggage make even basic talks feel explosive. In this episode, Damon Day unpacks why money conversations are so hard, what’s really going on underneath, and how to finally talk about money without losing your mind (or your relationship). Need help sorting through your own money mess? Reach out at https://DamonDay.com — real advice, no judgment.
May 16, 2025•6 min
After three decades as a debt coach, I’ve held sobbing clients, watched others walk into disaster, and celebrated life-changing wins with those who were finally ready to act. In this heartfelt episode, I share the biggest lessons I’ve learned—about money, human nature, and what it really takes to change your life. You’ll hear the surprising truth about bankruptcy, the emotional toll of letting people fall, and the joy of seeing my friend Damon Day carry this work forward. If you're ready for cha...
May 13, 2025•9 min
Is missing one payment really the end of the world? Not even close. In this episode, Steve Rhode and Damon Day dig into the real fears around debt—like dodging debt collectors and panicking over late payments—and explain why most of that anxiety is based on myth, not reality. From hilarious behind-the-scenes stories to practical strategies, you’ll learn when missing a payment makes sense, how collectors actually operate, and why being afraid of them might be costing you more than you think. 👉 M...
May 12, 2025•35 min
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. 📍 Need...
May 10, 2025•11 min
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 fina...
May 08, 2025•11 min
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. ...
May 07, 2025•7 min
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 e...
May 01, 2025•8 min
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. ...
Apr 30, 2025•8 min
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 a...
Apr 29, 2025•8 min
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 secr...
Apr 22, 2025•7 min
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. 💡 Free resources: https://getout...
Apr 21, 2025•33 min
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 bu...
Apr 18, 2025•10 min
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
Apr 17, 2025•7 min
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...
Apr 15, 2025•36 min
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 l...
Apr 09, 2025•6 min
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 wo...
Apr 08, 2025•16 min
