We restart our phones when they freeze. We unplug the Wi-Fi when it cuts out. We reboot our computers without a second thought. But when our finances lock up? We stall. We panic. We wait—sometimes for years. And all the while, the stress grows. The shame deepens. The options shrink. But here’s the truth: You …
Millions swear by Dave Ramsey’s advice—but what if following it blindly is costing you more than you realize? In this episode, Steve opens up a respectful but honest conversation about: We’re not here to bash Dave—we’re here to question what’s right for you. Because financial freedom doesn’t come from one-size-fits-all advice. It comes from critical …
🎯 What “Debt Free” Really Means Let’s get real about something that should be simple—but never really is: Getting debt free. Sounds straightforward, right? Pay off what you owe, and boom—you’re free. But if you’re feeling overwhelmed, frozen, or completely burned out trying to chase that dream, you’re not the problem. The real issue? There …
Debt elimination isn’t just about numbers—it’s about freedom. But here’s the painful reality: most people trying to get out of debt are playing a game they were never meant to win. In the latest episode of The Get Out of Debt Guy Podcast, I pull back the curtain on what debt elimination really takes. Spoiler …
Feeling like your finances are running the show while you’re barely hanging on? You’re not alone—financial anxiety is real, and it’s more than just numbers. In this episode, Steve and Damon dive into the sneaky ways debt messes with your mental health, the telltale signs of financial stress (spoiler: if you think you have a …
In the maze of debt relief options, one wrong turn could cost you nearly half a million dollars in lost retirement savings. Many consumers trust nonprofit credit counseling agencies to help them navigate their debt, but the reality is far more expensive than advertised. Before committing to a Debt Management Plan (DMP) or filing for …
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 …
Think credit cards are dangerous? Think again. Some personal finance gurus act like you’re holding a ticking time bomb, but the truth is—credit cards don’t get people into debt, bad decisions do. In this episode of The Get Out of Debt Guy Podcast, I’ll break down the real way to win the credit card game, …
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 …