Why Another Loan Won’t Fix Your Credit Card Debt
Steve Rhode and Damon Day explain why another loan or a 401(k) withdrawal rarely fixes credit card debt, plus nursing home forms, hospital bills and scams.
Scam
See my research, posts, and articles on scams, including common tactics, warning signs, and how to protect yourself. Click the link to stay informed!
Look Broke for a Year So You’re Not Broke for 10 Years
Steve Rhode and Damon Day explain why looking broke for a year beats staying broke for 10, and how appearances, credit scores and old debt drain retirement.
Budgets Suck. Watch What’s Left at the End of the Month
Steve Rhode and Damon Day explain why budgets fail, how debt relief payments squeeze people on Social Security, and why tires and repairs aren’t emergencies.
Why Your Bank Won’t Deal Until You’re Behind
Steve Rhode and Damon Day discuss why banks won’t negotiate credit card debt until you fall behind, and why a strategy matters more than your credit score.
This Week in Debt: Settlement Cash, Fed Myths, Scam Alerts
Amazon Prime refunds, a Lemonade breach payout, the Fed rate-cut myth, an AI voice-clone scam, and viral collector advice, explained plainly this week.
They Said It Was You on the Phone. AI Cloned Your Voice From 3 Seconds of Video.
AI can clone your family member’s voice from a few seconds of a social media video. Here’s what the FBI documented — and the two defenses that actually work.
Paying Back Debt as Self-Punishment (and Findom)
Steve Rhode and Damon Day on why people punish themselves to repay debt they could legally erase — a 71-year-old refusing bankruptcy, and a man trapped in…
The Real Cost of Staying in Debt
Steve Rhode and Damon Day reveal the true cost of carrying debt: how one $120 meal can cost your future self $3,000 — and why waiting is the priciest choice.
Why Fear Keeps You Stuck in Debt, Not Money
Steve Rhode and Damon Day reveal why fear and shame — not money — keep people trapped in debt. Learn how to name your fear, handle collectors, and stop letting your credit score hold you hostage.
New Email Scam Targets Planning and Zoning Applicants
Fraudsters are impersonating local government planning staff via email, demanding fake approval fees from property developers. They mine public meeting agendas for real project details. Multiple cities affected.
