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

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.🎧 Subscribe now and boop that like button if this hits home. For more free resources, visit GetOutOfDebt.org.

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.👉 Get free resources at GetOutOfDebt.org👉 Connect with Damon directly at DamonDay.comYour brighter financial future starts with real support—not empty promises.

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.💡 Free resources: https://getoutofdebt.org💬 Talk to Damon: https://damonday.com

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.👀 Visit https://getoutofdebt.org for free resources and scam alerts.📞 Need help with debt? Damon can help at https://damonday.com

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.💼 Here's what you'll learn:How Damon makes $2,000+ per month in his car with delivery appsWhy Steve’s Amazon FBA business worked for him—and why it’s not for everyoneThe sneaky excuses that keep people from starting a side hustleSmart strategies to stack gigs, schedule wisely, and avoid burnoutWhy a side hustle could be your hidden path to building long-term wealthWhat nobody tells you about taxes, write-offs, and using your gig to fund a 401(k)Whether you're brand new to gig work or looking to level up, this episode is your friendly, no-BS guide to getting out there and making extra money—on your terms.You can find Damon at DamonDay.com

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 not alone, and you’re not doomed.👉 Listen now and visit GetOutOfDebt.org for tools, truth, and a free show guide.This is the debt validation post we talked about: https://getoutofdebt.org/175121/you-are-wrong-if-you-think-your-debt-disappears-if-collectors-dont-respond-in-30-days

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.👀 Inside this episode:Why you’re not bad at saving—the game is riggedOld-school saving methods that don’t work anymore (RIP coupon binders)How apps like Acorns make saving painless and automaticThe danger of “false savings” that look smart but cost youSteve’s 60-second savings plan anyone can start todayWhy $500 in your emergency fund isn’t enoughThe power of compound interest and why your future self will thank you📉 Did you know?According to the U.S. Bureau of Economic Analysis, the average personal savings rate is now under 5%. That means most people aren’t even saving a nickel for every dollar they earn. You can flip that script.Here are the two links I mention in the podcast:Acorns appThis post

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.🧠 It’s not about rejecting everything Ramsey teaches—it’s about making room for options he often leaves out. Like legal bankruptcy relief, better credit habits, and protecting your future instead of punishing your past.This isn’t a takedown. It’s a talk. And if you’ve ever felt overwhelmed trying to “do the right thing” financially, this might be the episode that finally sets you free.🎧 Listen in and decide for yourself.Here are the two links I mentioned in the podcast:Those That File for Bankruptcy Do Better: https://getoutofdebt.org/86125/those-that-file-bankruptcy-do-better-than-those-that-dontPound Foolish: https://www.amazon.com/Pound-Foolish-Exposing-Personal-Industry/dp/159184679X/

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 reach Damon at DamonDay.com

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 Just Helped Big Banks Act Like Payday Lenders—Here’s What That Means for You - https://getoutofdebt.org/174351/congress-just-helped-big-banks-act-like-payday-lenders-heres-what-that-means-for-youThe CFPB Just Told Payday Lenders and Title Loan Companies: “Go Ahead—Take the Money and Run” - https://getoutofdebt.org/174207/the-cfpb-just-told-payday-lenders-and-title-loan-companies-go-ahead-take-the-money-and-run

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.👉 Need real tools and honest guidance? Visit GetOutOfDebt.org for free resources I’ve built from decades of experience helping good people through bad situations.

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.🎯 Inside This Episode:Why paying off collections might not raise your scoreHow to master your credit utilization for fast resultsThe truth about auto-pay, old credit cards, and hard inquiriesThe simple steps you can take TODAY to start improving your scoreA breakdown of the real credit score formula (and how to work it in your favor)💡 Plus: Damon shares the emotional side of rebuilding credit—and why your score doesn’t define you.If you’re tired of the confusion and ready for real answers, this episode is your roadmap to credit clarity.📍 Need personalized help or want to build a custom strategy?Visit DamonDay.com — Damon offers hands-on support to help good people through bad debt situations.🧭 For more free resources, credit guides, and tools to take back control of your money, check out GetOutOfDebt.org.📢 Don’t forget to subscribe, leave a review, and share this episode with someone who needs it.

What if everything you thought you knew about debt elimination was actually keeping you trapped?In this eye-opening episode, Steve pulls back the curtain on the myths, half-truths, and hidden traps that keep millions stuck in the cycle of debt—even when they’re making every payment on time. You’ll hear the real options for getting out for good, from explosive resets like bankruptcy to powerful custom strategies that most people never hear about.If this is already hitting home for you, boop that like button to give this a little love. It helps more people find this message.👀 Ready to stop treading water and finally breathe again?🎧 Hit play now—and don’t forget to subscribe so you never miss an episode.Here are the two links Steve mentioned in the podcast.The bankruptcy study - https://getoutofdebt.org/86125/those-that-file-bankruptcy-do-better-than-those-that-dontHow to easily save your spare change - https://getoutofdebt.org/go/acornsMy free newsletter - https://getoutofdebt.org/subscribeIn this episode, I dive deep into the overwhelming world of debt elimination and explore the often-unspoken truths about how debt elimination affects our lives. We uncover the emotional weight that comes with financial struggle and how even the most responsible individuals can feel like they’re in a never-ending cycle, working hard yet getting nowhere. I share the story of Jason, a relatable figure whose seemingly stable life is overshadowed by the silent battle of financial stress, reminding listeners that they’re not alone in this fight.I introduce three distinct paths to achieving debt elimination so that you can take control of your financial future. First, I discuss the often-taboo topic of bankruptcy. While it may not be what many want to consider, I illuminate how filing for bankruptcy can actually serve as a significant reset, allowing individuals to stop the relentless cycle of payments and regain their financial footing. Studies suggesting that those who file for bankruptcy fare better financially in the long run lend credence to this route as one worth exploring.Next, I detail the brick-by-brick method, also known as the snowball or avalanche approach. I explain how this method involves rolling up your sleeves to tackle debts systematically based on either balance or interest rate. While this process can be slower and may temporarily hinder retirement savings, the satisfaction of watching debts vanish creates an emotional momentum that can propel you forward. I also recommend practical tools like the Acorns app, which helps users save effortlessly while paying down debt, ensuring a brighter financial future.The third path I examine is the negotiator's route, which includes settlements and debt coaching. I introduce my co-host, Damon Day, who specializes in helping individuals negotiate their debts and create personalized plans. Through our conversation, we address the prevalence of scams in the debt relief industry and emphasize the importance of seeking guidance from experienced professionals, especially when the process feels overwhelming.Throughout the episode, I challenge harmful myths surrounding debt and advocate for a shift in mindset, asserting that a person's worth is not tied to their financial struggles. I provide actionable steps for listeners, such as listing their debts, exploring all options—including bankruptcy— and utilizing the wealth of resources available on my website, getoutofdebt.org.As we wrap up our discussion, I reiterate that making minimum payments is not equivalent to a victory in the battle against debt. Real freedom lies in confronting and managing debt head-on. I encourage listeners to embrace their stories, take the first critical steps toward financial independence, and remind them that they hold more power than they might realize. The journey to debt relief is not a straight path, but with determination and the right knowledge, it’s entirely attainable.

Explore the financial implications of financing food. Steve and Damon unpack the true costs of using Klarna for deliveries. In this episode of the Get Out of Debt Guy Podcast, Steve and Damon dive into the mind-boggling world of financing your fries. That’s right—DoorDash is now letting you pay for takeout in installments with Klarna. Sounds convenient… but is it a clever trick or a financial trap?From missed payments tanking your credit score to racking up phantom debt for burgers and burritos, we unpack the real cost of this global trend. You’ll hear why Klarna loves your Big Mac more than you do, how impulse spending feels cheaper when it’s split into four payments, and why this isn’t all that different from charging beer emergencies in the '80s.Plus, Damon shares a contrarian take no one else is talking about (yep, it involves tips, side hustles, and a woman who DoorDashed a $600 Target order), and we hit you with a dose of reality: just because you can finance fast food doesn't mean you should.🍟 Fast food meets funny money—get ready to laugh, learn, and maybe rethink that late-night DoorDash.If this hits close to home, boop that like button and don’t forget to subscribe. And if you’re drowning in Klarna payments or thinking about flipping the script and becoming a delivery driver, Damon’s got your back at DamonDay.com.🚗💸 Final tip: Before you Klarna your cravings, consider delivering the fries instead of financing them.Oh, and you can find Steve at GetOutOfDebt.org

Stop waiting to be debt-free—discover the strategies to start investing today! The biggest lie keeping you broke? Waiting until you're debt-free to start building wealth. In this episode, we reveal why time—not debt—is your biggest asset and how you can start growing your money today with stupid simple strategies. From side hustles that create magical money to apps that invest your spare change, we break down how even $500 a month can turn into millions. Ready to ditch the excuses and start your millionaire journey? Hit play now!Acorns linkMy post comparing Acorns and QapitalMy online payment and savings calculatorThe post we mention where I compared apps to think about.The Penny Stupid Project YouTube channel

Don't let debt hold you back from investing. Here's how to start with ease. Afraid to invest because you’re still in debt? In this episode of the Get Out of Debt Guy podcast, Damon Day and I break down why waiting until you’re debt-free might actually be costing you big time. We get into the mindset traps that keep people stuck, the simple ways to start investing without overcomplicating things, and how even small amounts can grow into something serious over time. We also spill the beans on easy, no-stress investing tools like Betterment, Acorns, and Bloom—because the goal isn’t to get rich overnight, it’s to build real wealth without wrecking your budget. If you’ve ever felt like investing is only for people with money, this episode will change the way you think. Here is the link to the post we talked about: https://getoutofdebt.org/172753/afraid-of-investing-this-is-the-best-way-to-start-even-if-youre-in-debt

Financial anxiety affects many—join Steve and Damon to learn how to regain control over your financial well-being.Feeling like your finances are running the show while you’re barely hanging on? You’re not alone—financial anxiety is real, and it’s more than just numbers. In this episode, Steve and Damon dive into the sneaky ways debt messes with your mental health, the telltale signs of financial stress (spoiler: if you think you have a debt problem, you probably do), and why money struggles aren’t just about budgeting better. They’ll break down why even high earners feel the squeeze, the emotional rollercoaster of debt, and the surprising power of a simple mindset shift. Plus, you’ll hear wild true stories of how financial stress can push people to the brink—and how to stop that spiral in its tracks. If your bills are stacking up and your peace of mind is crumbling, this is the episode you need to hear. Tune in, breathe, and take back control—one step at a time.Here is a link to the Money Personality Test - https://getoutofdebt.org/money-personality-quiz-what-are-your-spending-habits

Your wallet has been under attack, and the people behind it don’t want you to notice. Prices keep climbing, but your paycheck isn’t stretching any further—and while you’re struggling to keep up, someone else is cashing in big time. I just pulled back the curtain to show you who’s really profiting from these price hikes, and trust me, the truth might shock you. Read the full breakdown here: https://getoutofdebtguy.substack.com/p/wait-why-are-prices-going-up-the

You think Medicaid cuts won’t affect you? That's cute but think again. When hospitals lose funding, your bills skyrocket, your insurance premiums climb, and Grandma might be moving in. This isn’t just about “other people”—it’s about your wallet, whether you realize it or not. In this episode, I break down exactly how these cuts will body slam your finances and what you can do before it’s too late. Listen now, and check out the full post at https://getoutofdebt.org/172251/how-to-get-out-of-debt-on-a-low-income

Think credit cards are dangerous? Think again. Some personal finance gurus act like you’re holding a ticking time bomb, but the truth is—credit cards don’t get people into debt, bad decisions do. In this episode, I’ll break down the real way to win the credit game, why a 30-year mortgage might actually be the smartest move, and how store credit cards and “0% interest” deals are designed to sucker you into debt. Plus, I’ll tell you how to grab my FREE Ultimate Debt Repayment Plan to help you take control of your finances. Read more in my latest post: Understanding Types of Debt: Credit Cards, Loans, and Mortgages Explained 👉 https://getoutofdebt.org/172213/understanding-types-of-debt-credit-cards-loans-and-mortgages-explained

Most people think of debt as just money they owe, but what if I told you it’s actually a contract on your future? Every dollar borrowed is time you haven’t worked yet but are already committed to paying back—hours, days, even years of your life already promised away. In this episode, I uncover my recent post on the 7 sneaky debts that are secretly draining your wallet, the hidden financial traps that can cost you more than just money, and how to escape them before they control your future. If you want to keep more of your hard-earned cash and take back control of your life, this is the post you can’t afford to not read. Go to https://getoutofdebt.org/172204/what-is-consumer-debt-and-the-7-sneaky-debts-you-might-not-think-about

In this episode of the Get Out of Debt Guy Podcast, Steve Rhode and Damon Day expose the deceptive tactics some debt relief companies use to trap consumers. Discover how commission-driven salespeople prioritize profits over your financial well-being and learn how to spot the red flags before it’s too late. From the dangers of one-size-fits-all programs to the real risks behind debt settlement, bankruptcy, and credit counseling, this episode offers practical advice to protect yourself and your money. 🎧 Listen now on Apple Podcasts or Spotify.

In this episode of the Get Out of Debt Guy Podcast, Steve Rhode and Damon Day break down the art of prioritizing debt payments and demystifying the debt-to-income (DTI) ratio. Discover why focusing solely on interest rates can backfire and how understanding your DTI can open the door to better financial decisions. With real-world examples, practical strategies, and a healthy dose of humor, Steve and Damon share insights that empower you to take control of your money, reduce financial stress, and build a more secure financial future. Tune in and learn how to manage debt like a pro—without the guesswork.

Feeling trapped in an endless cycle of debt? You’re not alone. Debt burnout is real, and it’s draining more than just your bank account—it’s zapping your energy, wrecking your peace of mind, and making you feel stuck with no way out. In this episode, we’re breaking down the 5 major warning signs of debt burnout, why traditional budgeting might be setting you up for failure, and how to escape the stress without losing your sanity. Plus, I’ll share my own wake-up call moment and the real strategy that works—without burning yourself out even more. If you’re tired of feeling overwhelmed by money, this is the episode you can’t afford to miss. 🚀

In this episode ofGet Out of Debt Guy, I sit down withDamon Day to tackle some of the biggest misconceptions about debt—and trust me, there are plenty! We dive into why so many people struggle to face their financial reality (spoiler: your brain is working against you) and how stress messes with decision-making. We also break down the stigma around bankruptcy, clear up the myths about credit scores, and talk about smarter ways to take control of your debt. Through real-life stories and hard-earned insights, we’re here to help you shift your perspective, take charge, and make confident financial decisions.

Debt has a way of stealing more than just your money—it takes your joy, your peace, and sometimes, even your sense of humor. In this episode, we’re diving into why laughter is the best medicine, even when you’re drowning in bills. We’ll explore how laughter reduces stress, improves mental health, and helps you regain control, even when life feels like a financial disaster. I’ll even share a ridiculous personal story about the time I thought I was using a calculator… only to realize it was my TV remote. Because sometimes, all you can do is laugh. If debt feels too heavy right now, this episode is for you. Hit play, and let’s find a little lightness together. 🚀 🔗 For real strategies to get out of debt, visit: GetOutOfDebt.org.

In this episode, Steve Rhode discusses vital steps after overcoming financial difficulties with Damon Day. We focus on transitioning from escaping debt to ensuring lasting financial stability. Key topics include managing newfound cash flow, preventing emotional spending, and the essential role of a financial coach. Damon offers practical advice on building emergency funds, improving credit quickly, and developing good credit habits. We also explore long-term financial goals through side hustles and skill development, emphasizing that recovery is about sustainable financial health. This conversation is a roadmap for achieving lasting prosperity and accountability in your financial journey moving forward.

Struggling to stay positive when money is tight? Financial stress can feel overwhelming, making it hard to see a way forward. But here’s the truth—positivity isn’t about ignoring your situation, it’s about how you face it. In this video, we’ll share practical strategies to stay optimistic during financial struggles, how to reframe negative self-talk about money, and small mindset shifts that can help you feel more in control. Even when things feel uncertain, you can take small steps toward financial stability and peace of mind—and it all starts with how you think about your situation. Listen now and start building resilience, one positive step at a time. 💡💰 More resources here: 👉 https://oldguyinsights.me/1087/11-struggling-to-find-positivity-try-this-it-actually-works/

This podcast dives deep into the struggles of resilience, offering real-life strategies for bouncing back from failure, overcoming adversity, and developing mental toughness when life knocks you down. Through a raw and honest personal story, it explores the emotional exhaustion of setbacks, the fear of failing again, and the power of self-compassion in rebuilding confidence. Whether you're coping with stress, searching for practical exercises to strengthen emotional resilience, or learning how mindfulness enhances recovery, this script provides the guidance and motivation you need. Visit OldGuyInsights.me for more insights, free resources, and inspiration to help you keep moving forward—even when it feels impossible.

Struggling to stay optimistic when life keeps knocking you down? You’re not alone. Finding hope after unexpected life changes can feel impossible, but optimism isn’t about ignoring reality—it’s about learning how to handle disappointment and stay optimistic in a way that actually works. In this podcast, I’ll share personal stories of resilience and optimism, including a moment as a search and rescue pilot that taught me a valuable lesson about overcoming setbacks with optimism. Plus, I’ll give you practical techniques for cultivating optimism in difficult situations, even when it feels out of reach. If you’ve ever wondered how to move forward after failure, we’ll talk about steps to rebuild optimism after failure and what to do when positivity feels forced. Sometimes, the best way to embrace positivity amidst adversity isn’t forcing a smile—it’s knowing when to give yourself space to process emotions and then take action. So, if you're feeling stuck and struggling to hold onto hope, let’s have a little chat. Your story isn’t over. Keep turning the page. 🔹 Watch now to learn: ✔️ How to handle disappointment and stay optimistic ✔️ The power of taking a “pity day” before moving forward ✔️ A real-life flying experience that proved why hope + action = resilience ✔️ The best strategies to stay positive when plans fail 💬 What’s one thing you’re holding onto hope for right now? Drop it in the comments—I’d love to hear from you. 🔔 Like, subscribe, and visit https://oldguyinsights.me/1019/9-optimism-hard-to-stay-positive-lets-have-a-little-chat/ for more free resources on staying resilient.

Failure feels like the end, but what if it’s actually the best education you’ll ever receive? In this powerful insight, we explore why setbacks are hidden blessings, how to learn from mistakes, and how resilience transforms failure into growth. From life-or-death lessons as a pilot and first responder to the wisdom of history’s greatest achievers, discover how to reframe failure and turn it into your greatest advantage. Visit https://oldguyinsights.me/980/8-failure-the-lesson-you-never-wanted-but-absolutely-need/ for more insights on overcoming obstacles, building resilience, and embracing the lessons failure has to offer.

I know that gratitude can feel like an impossible task when life is heavy, and it may seem like focusing on the good only makes the struggles feel bigger. But here's the thing: gratitude isn't about denying the hard parts of life—it's about finding the small moments of light that can guide you through the darkness. It might be as simple as appreciating the warmth of a cup of coffee or the fact that you made it through the day. Even in the toughest times, those tiny sparks of gratitude can build up and shift how you see your world. It's not about perfection—it's about progress, and with each step, you'll start to see the good that’s always been there, waiting for you to notice. You don’t have to do this alone; starting small is okay. The journey may feel slow, but with each moment of gratitude, you're already moving forward. For more, visit me at OldGuyInsights.me.

Are debt setbacks holding you back? In this podcast, we explore how to turn life’s challenges into opportunities for growth, success, and personal transformation. Learn actionable steps to reframe failures, build resilience, and embrace creativity. Featuring a powerful analogy, relatable stories, and motivational insights, this video will help you see setbacks as setups for a brighter future. Perfect for anyone seeking motivation, positivity, and hope to navigate life’s ups and downs. For more, visit me at OldGuyInsights.me

In this episode, Damon Day and I explore the complexities of borrowing from a 401(k) or home equity line of credit to repay debt. Damon shares insights from his experiences with clients, highlighting situations where utilizing these financial resources can be advantageous and those that may lead to greater challenges. Emphasizing the need for careful planning over impulsive decisions, we discuss common misconceptions regarding tapping into retirement accounts and home equity. We also address the implications of cash flow, market timing, and penalties associated with 401(k) loans, urging listeners to assess their financial health before taking significant actions. Our conversation underscores the importance of long-term thinking and preparation in debt management, advocating for a strategic approach to minimize risks and maximize benefits.

This podcast, part of the Hope, Every Day 365 series, focuses on the transformative power of rewriting the negative narratives we often tell ourselves. By challenging critical self-talk and reframing our internal stories, we can unlock new perspectives, opportunities, and a sense of empowerment. If you’re ready to start editing the script of your life, visit https://oldguyinsights.me/702/5-rewriting-negative-narratives-transform-your-inner-story/ for more details, practical tips, and resources that can help you take the next step in rewriting your story.

Discover how small wins can lead to significant changes in your life by tuning into this motivational podcast. We share practical tips, inspiring stories, and actionable strategies to help you build momentum, stay motivated, and achieve your goals one step at a time. Whether you’re looking for personal growth, confidence building, or simple ways to create lasting success, this episode has you covered. Listen now to take the first step toward a better future, and visit ⁠OldGuyInsights.me⁠ for more insights and tools to keep you moving forward!

In this episode, Steve Rhode and Damon Day, explore the emotional challenges of making tough financial decisions. We discuss the pervasive nature of financial distress and how many individuals feel trapped by their choices. Through personal stories, I illustrate how emotional attachments can hinder decision-making, particularly in areas like debt management. We emphasize the importance of prioritizing actions, overcoming the paralysis of analysis, and the benefits of strategic decisions—such as declaring bankruptcy or selling assets. By sharing various client experiences, we highlight that proactive steps can lead to better financial health. Ultimately, we aim to empower listeners to confront their financial situations, clarify their priorities, and make informed choices that pave the way for stability and fulfillment. You can find Damon at DamonDay.com.

Discover more insights and resources to brighten your path at https://OldGuyInsights.me. Whether you're navigating life’s challenges, seeking motivation, or looking for practical advice, you’ll find tools and guidance to help you move forward with hope and confidence. Visit today for free resources and uplifting perspectives tailored to help you rediscover the light inside you. Let’s take this journey together—because you don’t have to do it alone.

Feeling stuck or overwhelmed? In this heartwarming episode, Steve from Old Guy Insights dives into why hope is more than just wishful thinking—it’s a powerful tool that can light your way forward. Through relatable stories and simple steps, Steve shows you how to nurture hope even in life’s darkest moments. Whether it’s finding strength in small joys or taking the first step toward change, this episode will leave you inspired to keep moving forward. Don’t miss this uplifting message—because no matter how cloudy today feels, hope can help you find the sun again. For more on this show, visit https://oldguyinsights.me

Recovering from a wildfire is overwhelming, but you don’t have to face it alone. I’ve shared everything I know in this video, and I’ve created a free Disaster Recovery Cheat Sheet to guide you step-by-step. You can download it at OldGuyInsights.me.

n this episode, we dive deep into the housing market to uncover why homeownership feels increasingly out of reach for so many. From rising investor activity and rental-focused construction to the challenges of labor shortages and zoning regulations, we explore how these factors shape the current landscape. Want even more insights, data, and resources? Head over to OldGuyInsights.me for detailed show notes and additional information not covered in the episode. Don’t miss it—it’s your go-to source for everything you need to know about navigating today’s housing market!

In this engaging podcast, Steve and Damon tackle the tough topic of rising living costs and stagnant wages, offering relatable anecdotes and practical advice. They explore how societal changes and inflation make it harder to get ahead, touching on everything from skyrocketing housing prices to the hidden costs of eating out. With humor and insight, they provide actionable tips, such as leveraging side hustles and cutting debt, to help listeners regain financial control. Tune in for honest conversations, real-world solutions, and a refreshing take on navigating today’s economic challenges. You can find Damon at DamonDay.com.

In this episode, we take a deep dive into the evolution of the American Dream, from its humble beginnings with Ezekiel Harper in 1776 to the modern-day struggles of Emma Davis in 2025. Is the dream slipping out of reach, or are we simply chasing a new vision? We’ll uncover the hidden forces shaping our lives, debunk myths about blame, and explore whether the challenges we face are uniquely American or part of a global shift. You won’t want to miss this eye-opening journey through history and the future of opportunity. Got questions or thoughts? Submit them at OldGuyInsights.me—That’s me! Let’s navigate these big topics together.

Struggling with credit card debt? You're not alone. In this eye-opening episode, Steve Rode and Damon Day break down the alarming $1.2 trillion credit card debt crisis, discuss why people feel stuck, and share actionable solutions. From the truth about bankruptcy to breaking free from financial shame, this podcast is packed with insights you won’t hear anywhere else. 💡 Resources Mentioned: Connect with Damon Day for personalized debt advice: www.DamonDay.com Steve Rode’s insights and resources: www.OldGuyInsights.me 🎧 Listen for: Why Congress might be the real problem The emotional trap of debt The smartest way to get back on your feet Why it’s time to stop worrying about your credit score Don't forget to like, comment, and subscribe for more financial freedom tips!

In this episode of the Podcast, we explore the shifting landscape of tipping for gig workers, particularly rideshare drivers and food service employees. We discuss "tip fatigue," with 74% of people overwhelmed by constant tipping requests, and highlight declines in tips for rideshare services. The conversation questions whether tipping should compensate for low wages or be a reward for service, while addressing the psychological pressures of electronic tip prompts. We urge listeners to reevaluate their tipping habits and advocate for fair wages in the gig economy.