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

Steve Rhode
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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

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

    11月24日

    The Hidden Traps in Debt Relief Ads You’re Seeing Right Now

    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 used in debt relief ads and social media videos: fake government program language, illegal upfront fees, emotional scare tactics about wage garnishment, phony “last chance” deadlines, and TikTok/Instagram influencers quietly getting paid to push risky debt settlement programs. You’ll hear how marketers weaponize fear, shame, and hope to sell credit card debt relief, student loan help, and consolidation plans that often leave people worse off. You’ll also learn how to tell the difference between a legitimate option—like nonprofit credit counseling, real debt settlement, or bankruptcy—and a high-pressure sales funnel disguised as financial advice. If you’ve ever wondered whether that “new 2025 federal debt relief program” in your feed is real or just another scam, this episode will show you exactly what to look for before you click, call, or hand over your bank info. For honest, no-BS help with debt, visit: https://getoutofdebt.org To talk with Damon directly about your specific situation, go to: https://damonday.com

    47 分钟
  2. The 50-Year Mortgage Trap, Money Saving Grocery Hacks & A Meaty Mamma Comeback

    11月12日

    The 50-Year Mortgage Trap, Money Saving Grocery Hacks & A Meaty Mamma Comeback

    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 you can use ChatGPT to shrink your grocery budget by turning what’s already in your kitchen into real meal plans. Plus, an entertaining Meaty Mamma update—because personal finance doesn’t always have to be serious to be smart. Links: 💡 Read more at GetOutOfDebt.org 🎙 Connect with Damon at DamonDay.com

    45 分钟
  3. AI Might Take Your Job — Don’t Let It Take Your Future (Smart Money Moves to Make Now)

    11月3日

    AI Might Take Your Job — Don’t Let It Take Your Future (Smart Money Moves to Make Now)

    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 finance issue, not just a tech story• What to do today to stay employable: upskilling, side income, networking• Debt triage in an uncertain job market: cash buffer vs. extra payments, when consolidation, settlement, or bankruptcy makes sense• Cutting burn rate fast, building an emergency fund, and avoiding 401(k) raids• Real talk on gig work (short-term cushion), “safe jobs,” and becoming AI-augmented at work Resources & help:• Read more at GetOutOfDebt.org: https://getoutofdebt.org• Get 1-on-1 coaching with Damon: DamonDay.com https://damonday.com

    45 分钟
  4. Debt Settlement - Should You Take That Credit-Card Settlement? Credit Score, Taxes (1099-C), and Smart Strategy

    10月27日

    Debt Settlement - Should You Take That Credit-Card Settlement? Credit Score, Taxes (1099-C), and Smart Strategy

    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 why you might owe taxes once you’re no longer insolvent. Plus: timing mistakes to avoid, when bankruptcy may be cleaner than multi-year settlements, and how to build a plan that wins the war—not just one battle. Explore more at https://getoutofdebt.org Got questions or want a custom game plan? Damon can help: https://damonday.com

    36 分钟
  5. The College Lie: Why Student Loans Could Be the Worst Investment You’ll Ever Make

    10月20日

    The College Lie: Why Student Loans Could Be the Worst Investment You’ll Ever Make

    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 college 🤖 The future of work in the age of AI 🧠 And how to make smarter money moves for your kids — and yourself If you’ve ever wondered whether college is still a smart financial decision, this episode will open your eyes — and maybe save you decades of debt. 👉 Visit https://getoutofdebt.org for Steve’s full breakdown of college ROI and student-loan traps. 👉 Need personal help getting out of debt? Reach Damon at https://damonday.com.

    54 分钟

  6. 10月13日

    Video Podcast - A Different Plan for Meaty Mama: Hope, Debt, and Finding a Way Forward

    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, smart strategy, and forgiveness over fear. This episode goes beyond quick-fix advice and looks at how personalized financial recovery can help you protect your assets, your health, and your hope. Read more at https://getoutofdebt.org and connect with Damon for a free consultation at https://damonday.com.

    36 分钟
  7. A Different Plan for Meaty Mama: Hope, Debt, and Finding a Way Forward

    10月11日

    A Different Plan for Meaty Mama: Hope, Debt, and Finding a Way Forward

    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, smart strategy, and forgiveness over fear. This episode goes beyond quick-fix advice and looks at how personalized financial recovery can help you protect your assets, your health, and your hope. Read more at https://getoutofdebt.org and connect with Damon for a free consultation at https://damonday.com. The post we talk about in the podcast is The Comprehensive Case Against “The Dave Ramsey Way Is The Only Way”

    36 分钟
  8. Let’s Talk: Finding the Right Path Out of Debt — Without the One-Size-Fits-All Approach

    10月6日

    Let’s Talk: Finding the Right Path Out of Debt — Without the One-Size-Fits-All Approach

    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, personal finance is never truly “one-size-fits-all.” This show invites listeners to think critically, explore all their options, and make informed decisions that fit their unique lives and values. Whether you’re following the Ramsey plan, considering bankruptcy, or somewhere in between, this episode encourages healthy questioning and balanced perspective — because good financial advice should empower, not shame. Visit https://getoutofdebt.org to read the full article and more debt-free resources. Need personalized advice or a judgment-free conversation about your options? Damon offers free consultations at https://damonday.com.

    47 分钟
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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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