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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

00:50:00

“Budgets Are a Page of Lies”: Real-World Debt...

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

2026/04/09

Dave Ramsey’s advice can help—until real life shows up.In this episode of The Get Out of Debt Guy, Steve Rhode (the old, original Get Out of Debt Guy) and Damon Day (the new Get Out of Debt Guy) scrap the planned outline and tackle what people actually struggle with: why Dave Ramsey’s “beans and rice” approach works for some…and flat-out fails for others.They break down:What Dave Ramsey gets right (debt is serious, emergency funds matter, snowball wins can work)What he misses (depression, ADHD,

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00:42:51

Tax Refund and Debt: Why Throwing Your Refund at...

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

2026/04/02

Steve Rhode, the old original Get Out of Debt Guy, and Damon Day, the new Get Out of Debt Guy, dig into a hard truth about tax refunds and debt: getting a refund feels good, but using it to make a small dent in credit card balances usually does not solve the bigger problem.In this episode, Steve and Damon talk about why hoping for a windfall is not a real debt strategy, how to use a tax refund as a reset point, and why April is the perfect time to build a smarter plan for getting out of debt. They

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00:45:45

Debt Forgiveness and Taxes: What a 1099-C Means...

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

2026/03/27

What happens when a creditor forgives part of your debt? 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 the tax consequences of debt forgiveness and explain what a 1099-C really means.If you settle debt for less than you owe, the forgiven balance may be treated as taxable income by the IRS. Steve and Damon walk through how canceled debt works, when you may owe taxes, when the insolvency exception

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00:44:51

Why Waiting for Your Tax Refund Is Costing You More...

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

2026/03/19

After filing your taxes, it can feel smart to wait for your refund before making a debt plan. But in this episode, Steve Rhode, the original Get Out of Debt Guy, and Damon Day, the new Get Out of Debt Guy, explain why waiting could be costing you hundreds or even thousands of dollars in credit card interest, personal loan payments, and financial stress. They talk about the real cost of delaying action, how tax refunds are often used as a financial rescue parachute, why so many people procrastinate

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00:46:29

What to Do With Your Tax Refund When You’re in Debt |...

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

2026/03/12

Got a tax refund coming and wondering whether to save it, use it to pay off credit cards, build an emergency fund, or settle debt? 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 smartest ways to use a tax refund when you’re already struggling with debt.They talk about why throwing a refund at credit card debt is not always the best move, how a refund can be used more strategically, when it makes sense to build a cash buffer

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00:43:25

Your Tax Refund Won’t Save You: The Debt Math Most...

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

2026/03/06

Your tax refund feels like a lifeline—until you do the math.In this episode of The Get Out of Debt Guy, Steve Rhode (the original Get Out of Debt Guy) and Damon Day (the new Get Out of Debt Guy) break down why a $3,000–$5,000 refund usually doesn’t “fix” the kind of credit card debt most listeners are carrying. If you’ve got $30,000 to $200,000 in debt, a refund can become a one-time emotional paymentthat barely dents the balance… and then gets charged right back up when life happens (tires,

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00:41:23

The “I’ll Figure It Out Myself” Debt Trap (Why DIY...

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

2026/02/26

You’re smart. You’re successful. You’ve solved hard problems at work and in life. So why is debt the one problem that keeps looping?In this episode, Steve Rhode (the old, original Get Out of Debt Guy) and Damon Day (the new Get Out of Debt Guy) go after the “I’ll figure it out myself” trap — the mindset that helps you win everywhere… except when it comes to credit card debt, personal loans, and financial stress.We break down the three big DIY “solutions” that look logical but often make things

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00:46:13

The Debt Secret Conversation: A Step-By-Step Plan to...

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

2026/02/20

Ever been carrying debt (or a money mess) your spouse doesn’t know about… and you can feel the secret eating you alive?In this episode, Steve Rhode (the old, original Get Out of Debt Guy) and Damon Day (the new Get Out of Debt Guy) lay out a practical roadmap for the hardest conversation most couples will ever have: telling your partner the truth about your debt—without turning it into a relationship-ending explosion.You’ll learn:When NOT to do it (hint: not during a fight… and definitely not at the

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00:51:56

The Real Reason You’re Not Fixing Your Debt Isn’t...

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

2026/02/12

If you’ve run the numbers, know your options, and still haven’t taken action… this episode is for you.Steve Rhode (the old, original Get Out of Debt Guy) and Damon Day (the new Get Out of Debt Guy) get brutally honest about the real reason people stay stuck in debt: fear and shame—not math, not money, not even the solutions.You’ll hear why so much credit card debt comes from essentials, why people only act once the “bucket of chaos” hits the fan, and why protecting a credit score can quietly cost

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00:42:56

Missed Your January Debt Goal? Here’s the February...

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

2026/02/05

January resolutions are cute. February is where the real work starts.In this episode of The Get Out of Debt Guy, Steve Rhode (the old, original Get Out of Debt Guy) and Damon Day(the new Get Out of Debt Guy) talk about how to restart your debt plan on February 5th—without guilt, shame, or fake “perfect budget” nonsense.They break down why people stall (hint: it’s emotion, not math) and why financial literacy classes don’t fix debt behavior unless you understand your money personality and how your

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00:44:26

Debt News Roundup: Lawsuit Surge, Student Loan “Tax...

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

2026/01/29

What really happens when you stop juggling bills and start taking control? In this episode, Steve Rhode and Damon Day go a little off-script (in the best way) and pull back the curtain on what’s happening right now in the debt world—and what you should watch out for before you sign anything.We dig into:Why debt collection lawsuits are climbing—and how collectors use the court system to flip the power dynamic fastThe real danger of ignoring a lawsuit (default judgments, wage garnishments, bank

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00:37:55

You’re Not Bad With Money — You’re Overpaying the...

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

2026/01/22

If you’re making good money and still drowning in debt, this episode is for you.Steve Rhode (the old, original Get Out of Debt Guy) and Damon Day (the new Get Out of Debt Guy) flip the script on the shame that high earners carry. Because your salary isn’t why you’re stuck — it’s the reason you can get out faster than you think.We dig into what’s driving debt right now (hint: it’s not “overspending” for most people), why minimum payments keep even high earners trapped, and why “I’ll deal with it next

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00:37:39

Why “Pay More Than the Minimum” Fails With $80,000+...

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

2026/01/16

How many times have you heard it: “Just pay more than the minimum and you’ll be fine.” Sure—if you’ve got a small balance. But if you’re sitting on $80,000+ in credit card debt, that advice can turn into a slow-motion financial disaster.In this episode, Steve Rhode (the original Get Out of Debt Guy) and Damon Day break down the minimum payment trap with real numbers—how “doing the responsible thing” can still mean decades of payments, massive interest, and the kind of burnout that makes people quit

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00:36:14

“Holy Crap” Moment: Add It Up, Face It, Fix It...

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

2026/01/08

New year, new you… and one number you’ve been dodging for way too long.In this episode, Steve Rhode (the old/original Get Out of Debt Guy) and Damon Day (the new Get Out of Debt Guy) walk you through the most important (and honestly, toughest) first step in getting out of debt: finding your real numbers—how much you owe, and how much cash you’re bleeding every month just to keep the debt treadmill moving.No guilt. No shame. Just facts, clarity, and a plan.You’ll learn:Why most people underestimate

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00:36:24

New Year, Real Debt Strategy: The January Audit +...

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

2025/12/31

It’s the last day of the year…and we’re not doing the same tired “New Year’s resolution” routine. Steve Rhode (the old, original Get Out of Debt Guy) and Damon Day (the new Get Out of Debt Guy) are laying out what actually works: a real strategy you can start today—and real progress you can make in the next 90 days.In this episode, we dig into why debt “resolutions” fail (they’re emotional, not strategic), why budgets usually collapse by February, and how your money personality matters more than

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00:17:27

Debt Anxiety at 2 A.M.: A Holiday Reset When You Feel...

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

2025/12/25

It’s Christmas Day… and if you’re lying awake at 2 a.m. staring at the ceiling thinking, “What am I going to do about my debt?” — this episode is for you.Steve Rhode and Damon Day talk straight about the quiet moment nobody posts on social media: the holiday pressure, the shame spiral, the fear that you’re the only one struggling, and that awful feeling like everyone else is cheerful while you’re drowning in credit card payments.No tough homework today. No “perfect budget” fantasy. Just permission

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00:38:50

Holiday Spending Without Debt: Cash, Boundaries, and...

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

2025/12/17

Christmas is days away, and if your credit cards are already screaming… this episode is your permission slip to stop the shame-spiral, enjoy your people, and not make things worse. We talk holiday spending strategies that actually work—setting real limits, using cash, and choosing experiences over stuff—because the best “gift” is not waking up in January with a financial hangover. We also get into the psychology behind why we overspend (yep, hyperbolic discounting), how to say no without feeling

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00:31:00

The Holiday Debt Spiral You're Pretending Isn't...

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

2025/12/12

It’s December… and if you’re staring down holiday spending while your credit card debt is already heavy, you’re not alone. In this episode, Steve Rhode and Damon Day talk about why so many people avoid looking at their balances during the holidays, what that avoidance really costs you, and how to enjoy the season without turning January into a financial disaster.We dig into the pressure to “keep up,” the dopamine hit of giving, lifestyle inflation, and why high-income households can still be in a

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00:43:18

Side Hustles, Debt & Danger: How to Make Extra Money...

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

2025/12/04

Is your side hustle really helping you get out of debt—or quietly dragging you deeper in? In this episode, Steve Rhode, the old, original Get Out of Debt Guy, and the new Get Out of Debt Guy, Damon Day, break down the truth about side hustles, gig work, and those “make money from home” dreams that can turn into financial nightmares.Steve and Damon talk about the two very different worlds of side hustles: simple, cash-flow gigs like Uber, Lyft, DoorDash, Instacart and Walmart Spark… and the “business

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00:47:08

The Hidden Traps in Debt Relief Ads You’re Seeing...

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

2025/11/24

Every time you open TikTok, Instagram, or Facebook, there’s another slick “debt relief” ad chasing you around. Secret government programs. Guaranteed 80% reduction. Gurus in rented Lamborghinis who “paid off $80,000 in six months.” In this episode, Steve Rhode—the old, authentic, original Get Out of Debt Guy—and the new Get Out of Debt Guy, Damon Day, pull back the curtain on the hidden traps in debt relief marketing you’re being targeted with right now.Steve and Damon deconstruct real-world tactics

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