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PODCAST

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

Welcome to the Get Out of Debt Podcast with Steve Rhode, your trusted source for practical debt solutions, budgeting tips, and effective money management strategies. Join us for real-world discussions on overcoming financial challenges. https://www.pinterest.com/getoutofdebtguy/ https://www.instagram.com/thegetoutofdebtguy/ https://bsky.app/profile/getoutofdebtguy.bsky.social https://www.facebook.com/GetOutOfDebtGuy/ https://x.com/getoutofdebtguy

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All Episodes

00:43:08

20 Debt Relief Scams and Sales Tricks to Watch Out...

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

2025/08/18

Debt relief shouldn’t feel like a trap—but for too many people, it is. In this episode of the Get Out of Debt Podcast, your trusted debt coach, Steve Rhode (the original Get Out of Debt Guy), and Damon Day (the new Get Out of Debt Guy), break down 20 manipulative sales techniques used by both for-profit and nonprofit debt relief companies. Discover how to get out of debt wisely by understanding these tactics that get you to sign up—whether it’s the right move or not.From fear-based pressure, fake

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00:40:09

Breaking the Chains: Understanding the Morality of...

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

2025/08/12

Debt isn’t just about numbers—it’s about the emotional, moral, and even spiritual weight it puts on your shoulders. In this episode of The Get Out of Debt Podcast, Steve Rhode, the original Get Out of Debt Guy, and Damon Day, the new Get Out of Debt Guy, dive deep into the centuries-old struggle of the morality of debt and how to get out of debt when you’re stuck. We tackle why guilt and shame can keep you trapped, why lenders share responsibility for the problem, and explore debt advice that

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00:36:49

Smart Expense Cutting Strategies for Getting Out of Debt

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

2025/08/04

Are you ready to learn how to get out of debt while cutting expenses without hating your life? In this episode of the Get Out of Debt Guy Show, I’m joined by Damon Day to unpack simple, sustainable debt advice that makes saving money feel manageable. We explore realistic spending habits that can sabotage your financial goals—like trying to impress others—while providing smarter choices such as buying a used car at the right depreciation point and understanding how technology is transforming car

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00:42:37

Is Your Interest Rate Too High? Plus the Student Loan...

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

2025/07/28

We kick things off by answering a listener’s question: How do I know if my interest rate is too high? Seems simple—until we dig into the loopholes big banks use to dodge state usury laws and how shady tribal loan scams worked… until they didn’t.But buckle up—because what follows is the real headline: a massive, catastrophic overhaul of the federal student loan system that almost nobody is talking about. From new borrowing caps to hidden rule changes that could disqualify you from forgiveness

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00:27:44

Living Too Close to the Edge: Why Financial Choices...

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

2025/07/21

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

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00:27:19

This One Deadline Could Wreck Your College Plans —...

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

2025/07/07

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

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00:25:37

Why Good Bankruptcy Attorneys Lose Clients (And What...

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

2025/06/30

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

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00:35:18

AI Is Coming for Your Job — And It’s Not Waiting

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

2025/06/23

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

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00:27:46

The Secret Guilt That Keeps You Broke — And How to...

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

2025/06/16

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

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00:37:11

The Morality Trap: When Doing the 'Right' Thing Keeps...

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

2025/06/09

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”

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00:37:27

The $50,000 Closet: Why Self-Storage Might Be Storing...

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

2025/06/03

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

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00:46:09

Don’t Buy the Wrong Fix: What Really Works to Get Out...

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

2025/05/27

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 solutionWhat debt relief companies don’t tell youHow to weigh real options like credit counseling vs. bankruptcyThe hidden cost of sticking

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00:07:45

A Listener’s Drowning in Debt at 71—Here’s What I...

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

2025/05/23

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

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00:06:12

How to Pick the Best Credit Card (and Stop Getting...

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

2025/05/21

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,

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00:38:33

Is College Still Worth It? The Truth About Degrees,...

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

2025/05/20

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're weighing student loans, career paths, or just trying to avoid a six-figure mistake, this one’s for

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00:06:16

Why Money Discussions Feel So Damn Hard — And How to...

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

2025/05/16

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://DamonDay.com — real advice, no judgment.

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00:09:00

What I Learned in My 30 Years as a Debt Coach: Hard...

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

2025/05/13

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 people fall, and the joy of seeing my friend Damon Day carry this work forward.If you're ready for

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00:34:57

The Truth About Late Payments and Debt Collectors

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

2025/05/12

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 collectors actually operate, and why being afraid of them might be costing you more than you think.👉 More

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00:11:19

The Credit Trap: How Good Options Disappear While You...

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

2025/05/10

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.📍

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00:10:59

Debt Doesn’t Just Break Your Bank—It Breaks Your Brain

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

2025/05/08

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

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220 results

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