New year, new you… and one number you’ve been dodging for way too long.

In this episode, Steve Rhode (the old/original Get Out of Debt Guy) and Damon Day (the new Get Out of Debt Guy) walk you through the most important (and honestly, toughest) first step in getting out of debt: finding your real numbers—how much you owe, and how much cash you’re bleeding every month just to keep the debt treadmill moving.

No guilt. No shame. Just facts, clarity, and a plan.

You’ll learn:

• Why most people underestimate debt and overestimate income (your brain is “helpful” like that)

• How to use AnnualCreditReport.com as a starting point (and why you should pull all three reports)

• What to look for on your credit reports (errors, unknown accounts, possible identity theft)

• Why “fake budgets” and vague guesses create bad strategies that don’t work

• The difference between caring about a credit score and protecting your cash flow and future retirement

• Why high-income earners are getting crushed by inflation—and why it’s not just you

Your homework: Add it all up. Write down the total. Then take a photo of that number and keep it in your phone—your “before” picture. Next week, we’ll show you how to turn that number into a real strategy (and why “just pay more than the minimum” is terrible advice for most people).

More no-BS debt help and resources: https://getoutofdebt.org

Reach Damon directly: https://damonday.com

It’s the last day of the year…and we’re not doing the same tired “New Year’s resolution” routine. Steve Rhode (the old, original Get Out of Debt Guy) and Damon Day (the new Get Out of Debt Guy) are laying out what actually works: a real strategy you can start today—and real progress you can make in the next 90 days.

In this episode, we dig into why debt “resolutions” fail (they’re emotional, not strategic), why budgets usually collapse by February, and how your money personality matters more than pretending you’re going to track every penny like a robot. If you’ve got big monthly payments, a decent income, and that constant 2 a.m. anxiety, this is your reset.

You’ll also hear a straight talk breakdown of the options most people are afraid to even discuss—debt settlement, strategic default, credit counseling, and bankruptcy—and why protecting your credit score at all costs can be an expensive mistake. Damon asks the question that changes everything: “How much is your credit score worth?” Then we kick off the January series with one simple, non-judgmental action: track what you actually spend—on paper—starting today.

This is the foundation for January 2026: the January Audit, your real numbers, and a plan you can follow—without shame, without gimmicks, and without “beans and rice” misery.

Get more help and resources at https://getoutofdebt.org

Reach Damon directly at https://damonday.com

Subscribe and show up every Thursday—because 2026 isn’t magic…your strategy is.

It’s Christmas Day… and if you’re lying awake at 2 a.m. staring at the ceiling thinking, “What am I going to do about my debt?” — this episode is for you.

Steve Rhode and Damon Day talk straight about the quiet moment nobody posts on social media: the holiday pressure, the shame spiral, the fear that you’re the only one struggling, and that awful feeling like everyone else is cheerful while you’re drowning in credit card payments.

No tough homework today. No “perfect budget” fantasy. Just permission to take the day off, breathe, and remember: debt is a problem with solutions — not a life sentence.

And when you’re ready (hello, January), we’ll help you shift from surviving to solving with a real strategy for getting out of debt.

More help and resources: https://getoutofdebt.org

Talk with Damon: https://damonday.com