Real Answers, No Judgment.
Hi, I’m Steve Rhode, the Get Out of Debt Guy. I know how overwhelming debt can feel—confusing options, endless stress, and the fear of making the wrong move. That’s why I created this site: to give you honest, clear guidance to help you break free from debt and build a better financial future.
No gimmicks. No shame. Just real solutions that work.
You’ve Got Options Here!
- 👉 Got a money question? Ask me for the podcast or search the site for free resources.
- 🎙️ Want to get money-smart without the boring lectures? Check out the Get Out of Debt Guy Podcast below.
- 📬 Stay in the know! Subscribe to my free update newsletter for fresh insights, tips, and the latest strategies to tackle debt and take control of your finances.
- 🤝 Need one-on-one help? Reach out to my go-to debt coach, Damon Day, at DamonDay.com. If I trust him with my friends and family, you can too.
You don’t have to figure this out alone. Start now—and take your first step toward a life without debt.
My Get Out of Debt Guy Podcast
The Get Out of Debt Guy Podcast is where we talk about money, mistakes, and getting back on track—without the boring lectures or judgment. I’ve spent decades helping good people escape bad debt, and on this podcast, I share the real talk, smart strategies, and a few laughs along the way. Because let’s be honest—money stress is no fun, but learning how to fix it doesn’t have to be miserable. If you’re ready for some straight-up, practical advice (with a side of humor), tune in on Apple Podcasts, Spotify, or wherever you get your podcasts!
The Latest Get Out of Debt Guy Posts
When Illness Means Debt — And A New Rule Could Make It Worse
Why the move by the Consumer Financial Protection Bureau (CFPB) may raise the stakes for medical collections — and what you can do about it. Opening: The scenario you didn’t expect You come out of surgery, or a hospital stay,…
College Is “Worth It” for Many—But There is More You Need to Know First
WRAL’s North Carolina story is a useful spark—but the real decision comes down to completion, cost, and what your field actually pays. A recent WRAL report said college “often pays”…
The Comprehensive Case Against “The Dave Ramsey Way Is The Only Way”
A Complete Guide to Critical Thinking About One-Size-Fits-All Debt Advice PART 1: WHAT WE’RE ACTUALLY CRITIQUING The Core Claims of the Ramsey Method Dave Ramsey’s “Baby Steps” system claims to…
Why Bankruptcy Makes More Sense When You’re Older (and the Math Proves It)
Let’s talk about something almost nobody wants to admit out loud:Bankruptcy might actually make more sense the older you get. If that sounds backwards—good. Because we’re about to unpack why…
Startup Star to Inmate: The $175 Million Fraud That Landed Charlie Javice in Prison
If you’ve ever looked at a flashy startup and thought, “Wow, they’ve made it big overnight!”—this story is a gut check. Charlie Javice, once the celebrated CEO of Frank—a company…
Andris Pukke, Repeat Fraudster Sentenced To Eight Years In Prison
United States Attorney for the Southern District of New York, Jay Clayton, announced that ANDRIS PUKKE, a/k/a “Marc Romeo,” a/k/a “Andy Storm,” was sentenced yesterday to eight years in prison…
When “Forever” Means “Not Forever” — What Publishers Clearing House Bankruptcy Means for Winners
Imagine believing you’ve won enough money to be set for life — only to have those payments suddenly stop. That’s exactly what’s happening to many winners of Publishers Clearing House…
Evil in the Name of Good: How Faith Was Weaponized to Drain Victims of Money They Didn’t Have
Federal prosecutors have unsealed indictments that read like the script of a nightmare — one where faith, fear, and guilt were turned into tools of control. At the center of…
Trapped by Design: The Student Loan Rewrite
You’re invited to speak. Just don’t expect anyone to listen. Let’s not sugarcoat this. The Trump administration has officially launched the student loan rulemaking process under the One Big Beautiful…
PSLF Student Loans Go From Lifeline to Landmine – OMG!
You did everything right. You worked for a nonprofit. You made the payments. You followed every confusing instruction the government threw your way. But thanks to a new rule buried…
A Personal Message from Steve
Hey, it’s Steve—The Get Out of Debt Guy.
Look, I know how overwhelming debt, finances, and financial stress can be. Whether it’s credit cards, loans, bankruptcy, or just trying to make ends meet, it can feel like there’s no way out. But there is.
I’ve spent decades helping good people escape bad debt—the right way. No gimmicks, no shame, no debt relief scams—just real, honest advice to help you take back control of your money, payments, and financial future.
Maybe you’ve followed Dave Ramsey, tried the debt snowball, or looked into Ramsey Solutions. Maybe you’re just trying to figure out what makes sense for you. No matter where you are, I’m here to help. I understand that everyone is unique and there is no one-size-fits-all approach to getting good people out of bad debt.
You don’t have to live with financial stress forever. Let’s get you a plan that works for you, your income, your budget, and your life—so you can move forward with confidence.
You’ve got this. And if you need a friend to help you through it, you’ve got me.
— Steve Rhode
The Get Out of Debt Guy