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 be the definitive path out of debt: The Baby Steps: The Core Dogma: The Revenue Model: Total annual revenue: Estimated $200+ million Key observation: His …
You can train for split-second decisions, but no one trains you for financial stress at home. Imagine if you could just whip out the taser to stop your bills? Between long shifts, dangerous situations, and the emotional toll of the job, cops face a level of pressure most people can’t comprehend. But behind the badge? …
I had a client once who tried to pay their electric bill with a credit card while eating instant noodles for the fourth meal in a row. But he was really curious if debt relief can help with personal loans. Good question. Not because they loved sodium bricks in soup form (although, let’s be honest, …
You’ve probably seen the ads: 🚨 “Get free government debt relief programs now!”🚨 “Erase your debt—no cost, no problem!”🚨 “Special stimulus program wipes out what you owe!” Sounds amazing, right? Well, here’s the thing—those ads are lying to you. There’s no secret government program handing out debt erasers like Oprah giving away cars. BUT—and this …
Does This Sound Familiar? You check your bank account, and there’s barely enough to get through the week. Living on a low income sucks. Another bill comes, and your stomach drops. You stop answering unknown calls—because you already know it’s a debt collector. Every paycheck disappears the moment you get it. You lie awake at …
Ever feel like your debt is some kind of evil villain, laughing as you throw money at it every month? 😅 Yeah, me too—been there, done that. But here’s the thing: A debt payoff calendar could be the game-changer you need. This simple, step-by-step debt repayment tool helps you get out of debt faster by …
Let’s be real—debt isn’t just about money. It’s about stress, exhaustion, and feeling like no matter what you do, you’re stuck in an endless cycle. If you’ve been worrying about bills, dodging bank statements, or feeling hopeless about your financial future, you might be experiencing debt burnout—and the worst part? Most people don’t even realize …
In this episode of Get Out of Debt Guy, Damon Day and I discuss a major problem keeping people stuck in debt: misconceptions. I wrote an article explaining why so many people believe their financial situation will magically fix itself… even when all signs point the other way. We get into the science behind it—how …
Introduction: The Truth About Debt No One Talks About I remember the moment debt took over my life. I had a stack of overdue bills sitting on my kitchen table—credit card statements, past-due notices, letters with big, bold warnings like “FINAL NOTICE” and “IMMEDIATE ACTION REQUIRED.” Every time I looked at them, my stomach tightened. …
Ever looked at an apple and thought, “That’s red,” only to realize that color is just your brain interpreting light waves? Wild, right? Well, your perception of debt works the same way. What you think is happening with your money isn’t always what’s actually happening—and that disconnect can cost you big time. The Reality Filter: …