Get Out of Debt Guy | Smart Debt Solutions for Your Financial Freedom

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...

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, a...

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 sale...

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 fa...

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, s...

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...

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 i...

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 companie...

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 indu...

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-...

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'r...

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://D...

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 peo...

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 coll...

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 peac...

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 y...

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...

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...

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 gui...

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...

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...

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 d...

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...

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...