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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

00:45:03

The 50-Year Mortgage Trap, Money Saving Grocery Hacks...

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

2025/11/12

In this episode of The Get Out of Debt Guy Podcast, Steve Rhode — the original Get Out of Debt Guy — and co-host Damon Day dig into two big money topics you’ll want to hear. First, they tackle the controversial idea of a 50-year mortgage, explaining how a slightly smaller monthly payment could actually cost homeowners hundreds of thousands more over time — and why a 50-year adjustable-rate mortgage could be financial quicksand.Then, they pivot from long-term debt to day-to-day savings, showing how

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00:44:35

AI Might Take Your Job — Don’t Let It Take Your...

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

2025/11/03

Steve Rhode — the old, original Get Out of Debt Guy — and the new Get Out of Debt Guy, Damon Day, break down the headlines behind AI, layoffs, and automation without the hype. If you’re worried about job security (especially in white-collar or repetitive roles) and you’re carrying debt, this episode gives you a calm, practical game plan: how to reskill, where to start with AI tools, and the exact money moves to protect your household if the pink slips start flying.We cover:• Why AI is a personal

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00:36:13

Debt Settlement - Should You Take That Credit-Card...

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

2025/10/27

Steve Rhode — the original Get Out of Debt Guy — and Damon Day — the new Get Out of Debt Guy — break down the real-world pros and cons of accepting a credit-card debt settlement. We explain why banks won’t deal early but suddenly send settlement letters before charge-off, how “settled for less than full balance” impacts your credit report, and what the IRS does with forgiven debt (hello, 1099-C). We also demystify IRS Form 982 (insolvency) — when it can eliminate income taxes on canceled debt, and

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00:53:32

The College Lie: Why Student Loans Could Be the Worst...

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

2025/10/20

Is college still worth it — or are we all buying into one of the most expensive myths in America? In this episode, Steve Rhode — the old, original Get Out of Debt Guy — and Damon Day — the new Get Out of Debt Guy — break down what nobody tells you about college debt, trade schools, and real financial ROI.They dig into:🎓 The shocking truth about student-loan default rates💸 Why a two-year trade or vocational program may beat a four-year degree🚗 How Uber and other companies are now paying for

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00:35:37

Video Podcast - A Different Plan for Meaty Mama:...

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

2025/10/13

In this heartfelt episode, Steve Rhode — the original Get Out of Debt Guy — and Damon Day — the new Get Out of Debt Guy — talk about The Meaty Mama, a hardworking YouTube creator juggling gig work, family, and $50,000 in debt. Steve and Damon explore the emotional and financial challenges she faces, including burnout, unstable gig income, and whether selling her condo is really the answer.Together, they unpack what it means to rebuild your financial life without shame — highlighting compassion,

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00:35:37

A Different Plan for Meaty Mama: Hope, Debt, and...

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

2025/10/11

In this heartfelt episode, Steve Rhode — the original Get Out of Debt Guy — and Damon Day — the new Get Out of Debt Guy — talk about The Meaty Mama , a hardworking YouTube creator juggling gig work, family, and $50,000 in debt. Steve and Damon explore the emotional and financial challenges she faces, including burnout, unstable gig income, and whether selling her condo is really the answer.Together, they unpack what it means to rebuild your financial life without shame — highlighting compassion,

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00:46:30

Let’s Talk: Finding the Right Path Out of Debt —...

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

2025/10/06

In this episode, Steve Rhode — the original Get Out of Debt Guy — and Damon Day — the new Get Out of Debt Guy — open up an honest, thoughtful conversation about debt, forgiveness, and financial recovery.Inspired by Steve’s new article The Comprehensive Case Against the “Dave Ramsey Way is the Only Way”, this discussion isn’t about tearing anyone down. It’s about opening up the conversation. Dave Ramsey has helped millions of people, and his principles work for many — but as Steve and Damon explain,

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00:44:09

Can You Go to Jail for Credit Card or Loan Debt? The...

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

2025/09/29

In this episode, Steve Rhode (the old Get Out of Debt Guy) and Damon Day (the new Get Out of Debt Guy) dig into one of the most common fears people have about money: “If I stop paying my credit cards or personal loans, can I go to jail?”We separate fact from fiction, explain why debt misfortune isn’t fraud, and share the real consequences of missed payments. Damon introduces his “shoot the hostage” analogy about credit scores, Steve recalls stories from bankruptcy courts, and together they tackle

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00:43:59

Should You Use Your 401(k) to Pay Off Credit Card...

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

2025/09/22

Is it worth pulling money from your 401(k) to wipe out credit card debt charging you 20% or more? 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, break down the real trade-offs.We tackle the emotional relief of paying off high-interest balances versus the cold math of lost compounding, penalties, and taxes when you tap into retirement savings. With credit card APRs climbing above 20%, and some people paying over

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00:38:11

Laid Off or Terminated? Smart First Moves to Protect...

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

2025/09/16

Losing your job can feel like the floor’s been pulled out from under you—but there are steps you can take right away to steady your finances and protect your future. In this episode of the Get Out of Debt Guy Show, Steve Rhode (the original Get Out of Debt Guy) and Damon Day (the new Get Out of Debt Guy) break down what to do first when you’re laid off, terminated, or facing a sudden loss of income.We also tackle a listener’s question: If your loan is sold to a collection agency, does that mean you

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00:40:14

Cost of Living Reality Check: Your Debt is Lava

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

2025/09/08

Prices are climbing faster than paychecks—and families feel the squeeze. In this episode, Steve Rhode (the old Get Out of Debt Guy) and Damon Day (the new Get Out of Debt Guy) break down the real-world cost pressures hitting households right now: cost of living vs. wages, shrinkflation at the grocery store, Instacart/app markups, rent and housing costs, electricity rising faster than inflation, insurance premiums, and high-interest credit card debt.We keep it plain-English and practical: why this is

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00:47:08

How to Make Real Money After Dark with Gig Apps

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

2025/09/02

Life’s more expensive than ever, and once you’ve cut back on extras, the only way forward is to earn more. In this episode of Get Out of Debt Guy, Steve Rhode talks with Damon Day—the new Get Out of Debt Guy—about how to turn evenings into real money using gig apps like DoorDash, Uber, Instacart, and Amazon Flex. Damon shares the playbook he personally uses to bring in serious side hustle income each month: multi-apping strategies, smart route planning, power blocks, and safety tips for working

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00:42:20

Divorce and Dirty Debt - The Inside Truth

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

2025/08/25

Divorce isn’t just the end of a relationship — it’s often the start of a financial nightmare. In this episode, Steve Rhode, the original Get Out of Debt Guy, and Damon Day, the new Get Out of Debt Guy, dive deep into the ugly mix of money, debt, and divorce. From the skyrocketing cost of contested cases to the fallout of hidden debt, blended families, child support battles, and credit destruction, Steve and Damon reveal how financial mistakes and emotional decisions can ruin lives long after the

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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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213 results

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