Get Out of Debt Guy | Smart Debt Solutions for Your 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.

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 grieving

• The real reason you can’t move forward yet—and how to know when you’re ready

• What a widower taught a doctor (and Steve) about starting over after deep loss

• How to shift from shame to forward motion—without pretending you're okay

This 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 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.

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 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.

👉 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 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:

Acorns app

This 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-dont

Pound Foolish: https://www.amazon.com/Pound-Foolish-Exposing-Personal-Industry/dp/159184679X/