“Holy Crap” Moment: Add It Up, Face It, Fix It (Without Guilt or Shame)

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