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 breathe again. If your credit card balances are higher than your savings account, it’s time for a better plan.

Listen in and learn how to build a safety net, protect your future, and make hard decisions feel a little... less hard.

💻 More free help: https://getoutofdebt.org
🤝 Talk to Damon: https://damonday.com

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’ll cover what’s changing, what’s still unclear, and what actions every parent needs to take now to avoid a costly mistake. This isn’t just a student loan episode—it’s your warning signal.

Get the full breakdown at https://getoutofdebt.org. Damon is available at https://damonday.com.

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. You’ll hear why some attorneys lose clients even when they have the right solution, how fear is often weaponized to sell debt programs, and why being your own advocate is the smartest move you can make.

They also break down:

• The emotional gap most attorneys miss

• Why rebuilding credit after bankruptcy might be easier than you think

• What real debt relief looks like (and what’s just hype)

• The importance of shopping for the right person, not just the right solution

This is the episode for anyone feeling stuck, judged, or confused about their next move.

🔗 For real help and judgment-free advice, visit https://getoutofdebt.org

💬 Want a one-on-one with Damon? Head to https://damonday.com

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 can take right now if you’re carrying debt, juggling long-term financial obligations, or just trying to build a future that won’t be outsourced to a bot.

This is one of those episodes that’s equal parts wake-up call and survival guide.

🔗 Learn more and get free tools at https://getoutofdebt.org

💬 Talk to Damon at https://damonday.com

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 postal Jeeps to garage-office dryers —and explain why guilt is not a financial strategy.

You’ll hear real talk about what actually works to get out of debt, how to flip the mental switch, and why sometimes “so what?” is the smartest thing you can say.

Whether you’re dealing with credit card debt, feeling overwhelmed, or just tired of hiding your financial reality, this episode is your permission to stop beating yourself up and start doing something different.

Damon can help—visit https://damonday.com.

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” might actually be keeping you stuck, and how to find the balance between responsibility and self-preservation.

Visit https://getoutofdebt.org for more support and free resources. Damon can be reached at https://damonday.com.

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 you’ll never visit.

If this hits a little too close to home, maybe it’s time to ask: are you storing stuff or stalling life?

Visit https://getoutofdebt.org for free resources and tips.
Want to talk with Damon? Reach out at https://damonday.com

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 sticking with bad advice

• And why it’s not a failure to legally reset your finances

This episode covers it all, with honest, no-judgment advice and some laughs along the way.

Whether you're in Raleigh, Dallas, or Des Moines, this show is packed with insights for anyone feeling stuck in debt. We also talk about Damon’s custom strategy approach, how to avoid being sold a product instead of finding the right plan, and what Steve learned firsthand after his own bankruptcy.

👉 Visit https://getoutofdebt.org for free resources.
👉 Want personal help? Damon is available at https://damonday.com

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 Trustpilot. If you're wondering whether you can trust a company to handle your debt—or if you’ve been targeted by companies offering to "erase your debt" with no mention of the risks—you'll want to hear this.

I share the key questions to ask before signing up for any debt solution, especially if you’re a senior on a fixed income. I also point you to my free resource, The Ultimate Consumer Guide to Checking Out a Debt Relief Company, and explain why sometimes the right path isn’t the most advertised one.

This episode covers:

• How debt settlement companies often market to seniors in financial crisis

• What those five-star reviews really mean (and how to spot fake patterns)

• Why declining income years demand a different financial strategy

• What options are actually available when you're over 70 and deep in debt

• Who I personally trust to help people find the right solution for them

👉 If this hits close to home—or you know someone who’s falling behind—share this episode and visit GetOutOfDebt.org/podcast to submit your own question.

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, safe, and stress-free.

💡 Whether you’re looking for the best cash-back credit card, travel rewards, or just want to avoid hidden fees, this episode is packed with insights to help you stay in control and out of debt.

Have a question or want personalized advice? Reach out to Damon directly at https://DamonDay.com.

If this episode helped you out, boop that like button and subscribe—because smart money moves should never feel overwhelming.