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

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.

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.

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.

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.

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.

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.

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 apps

• Why Steve’s Amazon FBA business worked for him—and why it’s not for everyone

• The sneaky excuses that keep people from starting a side hustle

• Smart strategies to stack gigs, schedule wisely, and avoid burnout

• Why a side hustle could be your hidden path to building long-term wealth

• What 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.

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 decisions

• Why selling in a panic locks in your losses

• How dollar cost averaging works—and why it might save your sanity

• The truth about debt validation letters and charge-offs

• The 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.

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 rigged

• Old-school saving methods that don’t work anymore (RIP coupon binders)

• How apps like Acorns make saving painless and automatic

• The danger of “false savings” that look smart but cost you

• Steve’s 60-second savings plan anyone can start today

• Why $500 in your emergency fund isn’t enough

• The 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:

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:

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 you

Steve 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.

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.

🎯 Inside This Episode:

• Why paying off collections might not raise your score

• How to master your credit utilization for fast results

• The truth about auto-pay, old credit cards, and hard inquiries

• The simple steps you can take TODAY to start improving your score

• A 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.

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.

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!

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. 🚀