Podcasts about get out of debt

Steve Rhode, the old Get Out of Debt Guy, and Damon Day, the new Get Out of Debt Guy, dig into one of the biggest money mysteries out there: why do so many people with decent incomes still feel completely broke?This episode starts with the honest truth that debt problems can feel like financial Groundhog Day. The details change, but the panic, pressure, and confusion are often the same. Steve and Damon talk about why people in debt crisis can get pushed into quick decisions, how debt relief companies and financial “solutions” may have their own agenda, and why it is so hard to know who to trust when you are scared and trying to survive.They also get into the reality of rising costs, housing, food, transportation, kids' activities, lifestyle expectations, budgeting, emergency savings, credit cards, debt settlement, bankruptcy, and the simple but painful rule of holes: when you are in one, stop digging.The big takeaway is this: getting out of debt is not just about cutting expenses. It is about creating breathing room, understanding your real numbers, making better decisions, and finding a way to get on the asset train before it leaves the station.You can find more debt help, articles, and resources at GetOutOfDebt.orgDamon Day offers free consultations and can be reached at DamonDay.com

Curious? Take The Free Money Stress Quiz!Ready? Buy Our Simplified Budget System Now!If you're tired of sending your hard-earned money to credit cards, loans, and debt payments every month, this episode is for you. In this episode, we're talking about what getting out of debt really looks like, common mistakes people make, and how to create a plan that helps you keep more of your money.Because the goal isn't just making payments forever. The goal is getting your money back.Let's Take Our Relationship To The Next Level:1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coachingThis podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.Click here to view our privacy policy.

God Exhorts Us: “1) Do not fear; 2) Continue to tithe; 3) Get out of debt; 4) Help our brothers and sisters in need; and 5) Pray” MESSAGE SUMMARY: In the Bible, you can find five exhortations, from the God, that are right on point for our tough times in America: 1) Do not fear; 2) Continue to tithe; 3) Get out of debt; 4) Help our brothers and sisters in need; and 5) Pray. The people in Malachi's day were withholding what was God's, and they were paying a price. But even in those conditions of sin, God said to the nation, in Malachi 3:7, “From the days of your fathers you have turned aside from my statutes and have not kept them. Return to me, and I will return to you, says the LORD of hosts. But you say, ‘How shall we return?'.”. God does not change – God today is the same faithful Creator of the Universe as He was in the time of Malachi. Return to God, both as an individual and as a nation; and see how God will bless us!   TODAY'S PRAYER: Lord, help me to be still and to wait patiently for you in silence. In Jesus' name, amen. Scazzero, Peter. Emotionally Healthy Spirituality Day by Day (p. 125). Zondervan. Kindle Edition. TODAY'S AFFIRMATION: Today, I affirm that, because I am in Jesus Christ, God isn't finished with me yet (Philippians 1:6). “I can do everything through Him who gives me strength.”. (Philippians 4:14). SCRIPTURE REFERENCE (ESV): Malachi 2:1-17; Malachi 3:7; Malachi 3:16-18; Psalms 41:1-13. A WORD FROM THE LORD WEBSITE: www.AWFTL.org. THIS SUNDAY'S AUDIO SERMON: You can listen to Archbishop Beach's Current Sunday Sermon: “The Day of Pentecost – The Promise Fulfilled”, at our Website: https://awordfromthelord.org/listen/ DONATE TO AWFTL: https://mygiving.secure.force.com/GXDonateNow?id=a0Ui000000DglsqEAB

How to Get Out of Debt Without Ruining Your Future by Ken Gross

Welcome to the Financial Freedom & Wealth Trailblazers Podcast! In today's episode, we're talking about how to get out of debt and stop living paycheck to paycheck.  Kathy Cuevas is a personal finance coach and founder of Financial Freedom Pathway, where she primarily helps women master their money, eliminate debt, and build lasting wealth. After a 20-year career as a high school business and personal finance teacher—where she taught thousands of students the fundamentals of financial literacy—Kathy retired in 2022 to pursue her passion for helping adults achieve financial freedom.Kathy's expertise doesn't come from theory—it comes from lived experience. She's navigated her own financial mistakes, from credit card debt and poor spending decisions to the hard lessons learned through divorce and starting over financially. These experiences taught her what actually works in real life, not just on paper.With over 20 years of hands-on stock market investing experience and a rental property portfolio she's built since 2007, Kathy brings real-world expertise to her coaching. She guides clients through budgeting, debt management, credit improvement, retirement planning, and investing with a personalized approach that balances financial responsibility with life's pleasures—no restrictive "financial diets" required.Kathy's mission is simple: help people get out of debt, create sustainable budgets, and live happier, less stressful, financially free lives. Through one-on-one coaching, she walks alongside her clients every step of the way, transforming financial overwhelm into clarity and confidence.Connect with Kathy Here: https://www.linkedin.com/in/kathycuevas/https://www.facebook.com/1FinancialFreedomCoach/https://www.youtube.com/@FINANCIALFREEDOMPATHWAY-v3phttps://www.instagram.com/financial.freedom.pathway/https://www.financialfreedompathway.us/Grab the freebie here: Email  FFPathway@gmail.com for a free spending plan Excel worksheet with a video tutorial===================================If you enjoyed this episode, remember to hit the like button and subscribe. Then share this episode with your friends.Thanks for watching the Financial Freedom & Wealth  Trailblazers Podcast. This podcast is part of the Digital Trailblazer family of podcasts. To learn more about Digital Trailblazer and what we do to help entrepreneurs, go to DigitalTrailblazer.com.Are you a coach, consultant, expert, or online course creator? Then we'd love to invite you to our FREE Facebook Group where you can learn the best strategies to land more high-ticket clients and customers. QUICK LINKS: APPLY TO BE FEATURED: https://app.digitaltrailblazer.com/podcast-guest-applicationDIGITAL TRAILBLAZER: https://digitaltrailblazer.com/

What I wish I knew in my 20s - how to be good with money! Out of college, I had some debt, and even though I was working hard, I got into credit card debt by buying things I didn't need with money I didn't have. By the time my husband & I got married, we both had student loans and credit card debt and cars to pay off! How did we get out of debt? How do you make a budget? How do you use money wisely? Check out this episode to find out what would have helped me in my 20s, so that you can give your best life!Let's connect!Follow me on TikTok @givingyourbestlifeJoin me on YouTubeShop my books hereWith gratitude, Stephanie❤️

Ready for a dose of financial TRUTH? In this episode of the Building Your Money Machine Show, I'm breaking down the smartest way to get out of debt—no sugarcoating, no recycled advice. Forget what everyone else in the personal finance world is telling you. This isn't about the fastest route; it's about the SMARTEST moves for your future.We're talking real numbers (yes, the kind that make your eyes water), facing those financial sleepless nights, and, most importantly, how to build actual wealth while you crush your debt. Because guess what? Life doesn't pause just because you're digging out—and neither should you.I'm sharing the unconventional (maybe even “controversial”) strategy that lets you break free from debt while building your money machine at the SAME TIME. If you're tired of the all-or-nothing debt destroyer method that leaves you broke and exhausted, this episode is for you.IN THIS EPISODE, YOU'LL HEAR:Why killing debt alone isn't enough—and how to build momentum (and money) at the same timeThe simple “recipe” to pay off destructive debt without blowing up your financial futureHow to plug the holes in your bucket, ditch the panic, and stop being one emergency away from disasterAvalanche vs. Snowball vs. EMOTIONAL debt: which method will actually work for YOU?How to stop shame and behavior traps from eating your wealth-building dreams aliveIf you're ready for a real talk, edgy advice, and a strategy that works—hit play now. Don't just get out of debt... get out of it for good, and start stacking your future.RECOMMENDED EPISODES FOR YOUIf you liked this episode, click here to enjoy these and more:https://melabraham.com/show/When Does Investment Income Finally Beat Your Day JobI'm Politely Begging You To Get Good with MoneyEvery Financial Trap Middle Class People Fall Into ExplainedRich People Don't Buy Luxury...They Buy These 8 ThingsPsychology of Families Who Stay Rich For GenerationsRECOMMENDED VIDEOS FOR YOU If you liked this video, you'll love these ones:When Does Investment Income Finally Beat Your Day Job: https://youtu.be/bRyW3hxzRac I'm Politely Begging You To Get Good with Money: https://youtu.be/tEJ89xF2ZZ0 Every Financial Trap Middle Class People Fall Into Explained: https://youtu.be/kn5nCbd5FOU Rich People Don't Buy Luxury...They Buy These 8 Things: https://youtu.be/clc7oX7VJUQ Psychology of Families Who Stay Rich For Generations: https://youtu.be/phB_2VcYPbA ORDER MY NEW USA TODAY BESTSELLING BOOK:Building Your Money Machine: How to Get Your Money to Work Harder For You Than You Did For It!The key to building the life you desire and deserve is to build your Money Machine-a powerful system designed to generate income that's no longer tied to your work or efforts. This step-by-step guide goes beyond the general idea of personal finance and wealth creation and reveals the holistic approach to transforming your relationship with money to allow you to enjoy financial freedom and peace of mind.Part money philosophy, part money mindset, part strategy, and part tactical action, these powerful frameworks will show you how to build your money machine.When you do you'll also get over $1100 in wealth resources & bonuses for FREE! TAKE THE FINANCIAL FREEDOM QUIZ:Take this free quiz to see where you are on the path to financial freedom and what your next steps are to move you to a new financial destiny at http://www.YourFinancialFreedomQuiz.com

Credit Canada credit counsellor Brandon Thonson joins Bruce Sellery to unpack the current state of household debt in Canada, where consumers now owe $1.77 for every dollar earned. Brandon shares what he's seeing on the front lines, from people using debt to service debt, to mortgage renewals jumping 15–20%, to a 39% increase in counselling requests at Credit Canada. He identifies the warning signs that debt is becoming unmanageable, explains what to expect during a credit counselling session, and outlines solutions, including debt consolidation programs, conversations with financial institutions, and Credit Canada's GOLD coaching program. A compassionate, no-judgment conversation about taking control of your finances. Find out more at creditcanada.com and connect on Facebook, X, LinkedIn, Instagram, YouTube and TikTok.

Credit Canada credit counsellor Brandon Thonson joins Bruce Sellery to unpack the current state of household debt in Canada, where consumers now owe $1.77 for every dollar earned. Brandon shares what he's seeing on the front lines, from people using debt to service debt, to mortgage renewals jumping 15–20%, to a 39% increase in counselling requests at Credit Canada. He identifies the warning signs that debt is becoming unmanageable, explains what to expect during a credit counselling session, and outlines solutions, including debt consolidation programs, conversations with financial institutions, and Credit Canada's GOLD coaching program. A compassionate, no-judgment conversation about taking control of your finances. Find out more at creditcanada.com and connect on Facebook, X, LinkedIn, Instagram, YouTube and TikTok.

Got a tax refund coming and wondering whether to save it, use it to pay off credit cards, build an emergency fund, or settle debt? In this episode, Steve Rhode, the original Get Out of Debt Guy, and Damon Day, the new Get Out of Debt Guy, break down the smartest ways to use a tax refund when you're already struggling with debt.They talk about why throwing a refund at credit card debt is not always the best move, how a refund can be used more strategically, when it makes sense to build a cash buffer first, and why every financial decision needs a real plan behind it. They also dig into debt settlement, debt consolidation loans, 1099-C tax issues, forgiven debt, insolvency, and how financial stress can wreck clear thinking.If you're dealing with credit card debt, tax refund decisions, debt payoff confusion, or just want practical debt relief advice without the shame and nonsense, this episode is for you.You'll also hear about helpful free tools at GetOutOfDebt.org, including the Your Brain on Debt quiz and the 1099-C calculator, designed to help you make smarter money decisions before panic takes over.Get more help at https://getoutofdebt.orgReach Damon directly at https://damonday.com

Welcome to the Financial Freedom & Wealth Trailblazers Podcast! In today's episode, we're talking about how to get out of debt and build a solid financial future. Terri is a financial coach and educator who came to America chasing the American Dream—only to quickly learn that no one explains how money, debt, or credit scores really work. Like many immigrants, she entered the system without financial education, which led her into deep debt and nearly to bankruptcy.Through hard lessons, discipline, and self-education, Terri turned her financial life around, paid off debt, and rebuilt her confidence. Today, she helps women, immigrants, and young adults break destructive money habits, understand money with clarity, and build financial stability.Terri's mission is simple but powerful: to help people save for a rainy day and retirement—without living broke in the process. Her work is rooted in empathy and lived experience, and her message is clear—no matter how overwhelming your situation feels, with the right plan and support, financial peace is possible.Connect with Terri Here: www.linkedin.com/in/terricoachinghttps://www.facebook.com/terri.klein.52?mibextid=wwXIfr&mibextid=wwXIfrhttps://www.instagram.com/your_coach_terri?igsh=NTc4MTIwNjQ2YQ%3D%3D&utm_source=qrhttps://share.google/LhQjbjofC050Vsa0hwww.terrinkfinancialcoaching.comGrab the freebie here: https://calendly.com/yourcoachterri/claritycall===================================If you enjoyed this episode, remember to hit the like button and subscribe. Then share this episode with your friends.Thanks for watching the Financial Freedom & Wealth  Trailblazers Podcast. This podcast is part of the Digital Trailblazer family of podcasts. To learn more about Digital Trailblazer and what we do to help entrepreneurs, go to DigitalTrailblazer.com.Are you a coach, consultant, expert, or online course creator? Then we'd love to invite you to our FREE Facebook Group where you can learn the best strategies to land more high-ticket clients and customers. QUICK LINKS: APPLY TO BE FEATURED: https://app.digitaltrailblazer.com/podcast-guest-applicationDIGITAL TRAILBLAZER: https://digitaltrailblazer.com/

January resolutions are cute. February is where the real work starts.In this episode of The Get Out of Debt Guy, Steve Rhode (the old, original Get Out of Debt Guy) and Damon Day(the new Get Out of Debt Guy) talk about how to restart your debt plan on February 5th—without guilt, shame, or fake “perfect budget” nonsense.They break down why people stall (hint: it's emotion, not math) and why financial literacy classes don't fix debt behavior unless you understand your money personality and how your subconscious drives spending decisions.Then they pivot to the ugly reality: scams are everywhere—IRS and “TurboTax” tax scams, Amazon-style texts, gift card scams, crypto scams, and even debt consolidation traps that leave you deeper in debt. With consumer protections weakening, the message is simple: nobody is coming to save you—so you have to become your own financial watchdog.How to restart your debt plan in February (even if January slipped away)Why tracking spending beats “making a budget”The #1 mistake behind debt consolidation loans (cash flow vs. debt balance)How scammers pressure smart people into fast decisions (and why it works)A practical “one action this week” challenge to build momentumTools mentioned on GetOutOfDebt.orgMoney Personality TestContract Decoder (to translate confusing financial terms)Scam-o-meter (to help spot red flags)Get weekly updates and scam alerts: https://getoutofdebt.orgReach Damon for a free consultation: https://damonday.comIf you've been stuck, overwhelmed, or quietly panicking… this episode is your reset. February counts. Motion creates momentum—and momentum creates change.

Subscribe to Simplify My Money: https://www.debtfreedad.com/newsletters/simplify-my-money In this episode of the Debt-Free Dad podcast, host Amber shares why overly strict budgets often fail and how incorporating planned fun into your budget can lead to better financial outcomes. Learn practical steps to include joy in your financial plan without derailing your debt-free goals. Discover how flexible, enjoyable budgeting can help you build consistency, avoid burnout, and achieve long-term financial freedom. Join us to find out how getting out of debt doesn't have to mean sacrificing all the things you love.Support the showThe Totally Awesome Debt Freedom Planner https://www.debtfreedad.com/planner Connect With Brad Website- https://www.debtfreedad.com Facebook - https://www.facebook.com/thedebtfreedad Private Facebook Group - https://www.facebook.com/groups/debtfreedad Instagram - https://www.instagram.com/debtfreedad/ TikTok - https://www.tiktok.com/@debt_free_dad YouTube - https://www.youtube.com/@bradnelson-debtfreedad2751/featured Thanks For Listening Like what you hear? Please, subscribe on the platform you listen to most: Apple Podcasts, iHeartRadio, Spotify, Tune-In, Stitcher, YouTube Music, YouTube We LOVE feedback, and also helps us grow our podcast! Please leave us an honest review in Apple Podcasts, we read every single one. Is there someone that you think would benefit from the Debt Free Dad podcast? Please, share this episode with them on your favorite social network!

993. Laura answers a listener's question about stopping retirement contributions to get out of debt faster.Find a transcript here. Have a money question? Send an email to money@quickanddirtytips.com or leave a voicemail at (302) 364-0308.Find Money Girl on Facebook and Twitter, or subscribe to the newsletter for more personal finance tips.Money Girl is a part of Quick and Dirty Tips.Links:https://www.quickanddirtytips.com/https://www.quickanddirtytips.com/money-girl-newsletterhttps://www.facebook.com/MoneyGirlQDT Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

❓⁠Have a money question? Ask Ramsey is here to help!⁠ Ken Coleman and Jade Warshaw answer your questions and discuss: “I feel let down by my husband's spending habits?” ”We're in $600,000 of student loan debt and have a baby on the way. How do we work the baby steps?” “I keep going deeper into debt because of my spending habits” “Our home mortgage is 40% of our income, should we refinance?” “How do I talk to my in-laws about the $48,000 my wife owes them?” “We offered $24,000 for our daughter's wedding, they want to spend half of it on the wedding and keep the other half” “How are we supposed to pay $2459 for health insurance premiums?” “Should I pay off the mortgage incrementally or should I invest the money until I can pay off the house in full?” “What's the difference between sinking funds and recurring expenses?” “My wife thinks I'm jumping the gun by getting life insurance for a baby we are planning for” “We're $176,000 in debt, should we sell our cars?” “How do I pay off debt and plan for the future as a single mom?” “My mortgage has a balloon payment, how do I pay this off?” Next Steps: ✔️⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠

In this episode, you'll learn the best financial advice you'll ever hear.It's your guide to taking control of your money and learning the rules of how to make it, save it, and spend it better.Maybe you're trying to pay down debt.  Maybe you're wondering how you'll ever afford a home.  Maybe you're doing “okay,” but you don't feel confident about the future, and you don't know the best place to invest your money.Or maybe you want to know what really works to save money, make more money, invest money, and how to stop feeling like you're behind.  This episode will show you exactly what to do. Today, Mel is joined by David Bach. David is one of the most trusted voices in personal finance for a reason: He teaches the rules of money in a way that makes you feel calm, capable, and in control. He's a 10-time New York Times bestselling author behind The Automatic Millionaire, and he's here to give you the simple money habits and tools that you can apply to your life today.  You'll learn: -The rules of money that determine whether you build wealth or stay stuck (no matter what you earn) -”The 2 escalators to wealth” and how you can get on them-The money mistake that can wreck your future even if you've “done everything right” -What every couple needs to know about money before it's too late -The exact stocks to invest in over the long term-The exact blueprint of what you should do with your 401k-The $27.40/day formula that turns into $4.4 million-Why you can start feeling better about your life before you're debt-free -Specific advice for women, including what every widow needs to know-The easiest ways to take control of your finances with the greatest payoff As David puts it, either you have a plan for your money, or someone else does.  Your plan starts here.  For more resources related to today's episode, click here for the podcast episode page.   If you liked the episode, check out this one next: More of the Best Financial Advice You'll Ever Hear.Connect with Mel:   Order Mel's new product, Pure Genius ProteinGet Mel's newsletter, packed with tools, coaching, and inspiration.Get Mel's #1 bestselling book, The Let Them TheoryWatch the episodes on YouTubeFollow Mel on InstagramThe Mel Robbins Podcast InstagramMel's TikTokSubscribe to SiriusXM Podcasts+ to listen to new episodes ad-freeDisclaimer Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

This episode was sponsored by Apache Consults   LightSpeed VT: https://www.lightspeedvt.com/ Dropping Bombs Podcast: https://www.droppingbombs.com/ In this high-stakes Dropping Bombs episode, attorney and investor Gabriel Vadasz shares his rise from selling a delivery app at 19 to building (and selling) a law firm, flying Apache helicopters, and now quarterbacking $500M+ SEC settlements and private equity exits as head of Apache Consults.   Gabriel  reveals how he slashes $100M+ debts down to pennies on the dollar for clients, why big law firms overbill and bleed entrepreneurs dry (and exactly how he fixes it), and insider strategies for protecting and exiting businesses. Plus, his bold run for Arizona Senate to crush bureaucracy and government overreach once and for all.   If you're building, scaling, negotiating deals, or fed up with red tape—this is pure gold. Watch now, arm yourself, and take control.  

Check out our Bootcamp!Book A Free Financial Coaching Call!Budget besties, this one's for you if you've ever said “I wanna be debt-free... but I'm not giving up my lattes, date nights, or vacations.”

God Exhorts Us: “1) Do not fear; 2) Continue to tithe; 3) Get out of debt; 4) Help our brothers and sisters in need; and 5) Pray” MESSAGE SUMMARY: In the Bible, you can find five exhortations, from the God, that are right on point for our tough times in America: 1) Do not fear; 2) Continue to tithe; 3) Get out of debt; 4) Help our brothers and sisters in need; and 5) Pray. The people in Malachi's day were withholding what was God's, and they were paying a price. But even in those conditions of sin, God said to the nation, in Malachi 3:7, “From the days of your fathers you have turned aside from my statutes and have not kept them. Return to me, and I will return to you, says the LORD of hosts. But you say, ‘How shall we return?'.”. God does not change – God today is the same faithful Creator of the Universe as He was in the time of Malachi. Return to God, both as an individual and as a nation; and see how God will bless us!   TODAY'S PRAYER: Lord, help me to be still and to wait patiently for you in silence. In Jesus' name, amen. Scazzero, Peter. Emotionally Healthy Spirituality Day by Day (p. 125). Zondervan. Kindle Edition. TODAY'S AFFIRMATION: Today, I affirm that, because I am in Jesus Christ, God isn't finished with me yet (Philippians 1:6). “I can do everything through Him who gives me strength.”. (Philippians 4:14). SCRIPTURE REFERENCE (ESV): Malachi 2:1-17; Malachi 3:7; Malachi 3:16-18; Psalms 41:1-13. A WORD FROM THE LORD WEBSITE: www.AWFTL.org. THIS SUNDAY'S AUDIO SERMON: You can listen to Archbishop Beach's Current Sunday Sermon: “Why We Do Christmas”, at our Website: https://awordfromthelord.org/listen/ DONATE TO AWFTL: https://mygiving.secure.force.com/GXDonateNow?id=a0Ui000000DglsqEAB

Is your side hustle really helping you get out of debt—or quietly dragging you deeper in? In this episode, Steve Rhode, the old, original Get Out of Debt Guy, and the new Get Out of Debt Guy, Damon Day, break down the truth about side hustles, gig work, and those “make money from home” dreams that can turn into financial nightmares.Steve and Damon talk about the two very different worlds of side hustles: simple, cash-flow gigs like Uber, Lyft, DoorDash, Instacart and Walmart Spark… and the “business opportunity” side hustles like Amazon FBA, drop shipping, and guru-led online courses that can leave you with more credit card debt than profit. Steve shares his real Amazon FBA experience (including starting with $20–25k in inventory and building it into a serious business), while Damon explains how he consistently earns around $40/hour in the gig economy by stacking apps, knowing his market, and refusing unprofitable rides.They dig into:Why so many people go into debt “trying” to get out of debt with side hustlesThe danger of high-priced “done-for-you” websites and Amazon storesProfit vs. revenue (and why a $15, 30-mile ride can actually lose you money)How to think about car costs, IRS mileage, taxes, and 1099 contractor realityWhen it's smarter to drive Lyft or do Instacart than to swipe a card for another courseHow to test your market for 60–90 days and know when it's time to pivotIf you're thinking about starting a side hustle to pay off credit cards, avoid bankruptcy, or just keep up with inflation, this episode will help you avoid the emotional traps, slick marketing, and bad math that can wreck your finances.For more straight-talk on getting out of debt, visit GetOutOfDebt.org:

Snag Our Simplified Budget System!Budget besties, whew — grab your tissues and your coffee. In this powerful episode, we sit down with Mackenzie, a wife, mama of two, and full-time working powerhouse navigating a major life pivot after her husband lost his job. Spoiler: this conversation is about so much more than money.From a job loss to reworking their budget and leaning into a new side hustle, Mackenzie walks us through the real life stuff — the stress, the faith, and the tough decisions that so many of us face but don't always talk about.We dig into:

In this episode of The Get Out of Debt Guy Podcast, Steve Rhode — the original Get Out of Debt Guy — and co-host Damon Day dig into two big money topics you'll want to hear. First, they tackle the controversial idea of a 50-year mortgage, explaining how a slightly smaller monthly payment could actually cost homeowners hundreds of thousands more over time — and why a 50-year adjustable-rate mortgage could be financial quicksand.Then, they pivot from long-term debt to day-to-day savings, showing how you can use ChatGPT to shrink your grocery budget by turning what's already in your kitchen into real meal plans. Plus, an entertaining Meaty Mamma update—because personal finance doesn't always have to be serious to be smart.Links:

If you've ever felt tempted to call one of those “we'll fix your debt for you” companies — this episode is for you. Today, we're pulling back the curtain on debt consolidation, settlement, and relief companies, and explaining how their promises can actually hurt your credit, delay progress, and drain your savings.Instead, we'll show you how to DIY your own debt relief plan — without paying someone else to do what you can do (better!) yourself. You'll learn how to organize your debt, negotiate with creditors, and build a system that puts you in control.This one's packed with real talk, stories from our coaching clients, and encouragement for anyone ready to finally make progress on their debt — the smart way.

Steve Rhode — the old, original Get Out of Debt Guy — and the new Get Out of Debt Guy, Damon Day, break down the headlines behind AI, layoffs, and automation without the hype. If you're worried about job security (especially in white-collar or repetitive roles) and you're carrying debt, this episode gives you a calm, practical game plan: how to reskill, where to start with AI tools, and the exact money moves to protect your household if the pink slips start flying.We cover:• Why AI is a personal finance issue, not just a tech story• What to do today to stay employable: upskilling, side income, networking• Debt triage in an uncertain job market: cash buffer vs. extra payments, when consolidation, settlement, or bankruptcy makes sense• Cutting burn rate fast, building an emergency fund, and avoiding 401(k) raids• Real talk on gig work (short-term cushion), “safe jobs,” and becoming AI-augmented at workResources & help:• Read more at GetOutOfDebt.org: https://getoutofdebt.org• Get 1-on-1 coaching with Damon: DamonDay.com https://damonday.com

Today's episode is about how to get out of debt, save & invest without a strict budget in midlife with Germaine Foley. We're exploring midlife money mindset and how to create the financial future that feels right to you. My guest is Germaine Foley.  Germaine is a Certified Life and Money Coach for women who make good money but aren't building wealth. She helps them take control of their finances and build wealth without losing the freedom to travel &/or buy nice things. Learn more: https://suzyrosenstein.com/podcast/ep-430-how-to-get-out-of-debt-save-invest-without-a-strict-budget-in-midlife/

Millions of people feel like they are drowning in debt. $700+ car payments, tens of thousands in student loans and credit card balances, and month after month, payment after payment, it feels like a dent hasn't even been made. Listen in as your coach shares ideas and suggestions inspired by a podcast episode she was listening to from BiggerPockets.com. Questions@creditkristi.comFinish Financially Free Book on Amazon: https://a.co/d/eBOMxuK

On this Sunday Ask Suze & KT Anything episode, KT asks Suze your questions about smart investing, trusts for children, worrying about a financial crash and so much more. Watch Suze’s YouTube Channel Jumpstart financial wellness for your employees: https://bit.ly/SecureSave Protect your financial future with the Must Have Docs: https://bit.ly/3Vq1V3GGet your savings going with Alliant Credit Union: https://bit.ly/3rg0YioGet Suze’s special offers for podcast listeners at suzeorman.com/offerJoin Suze’s Women & Money Community for FREE and ASK SUZE your questions which may just end up on the podcast. Download the app by following one of these links: CLICK HERE FOR APPLE: https://apple.co/2KcAHbH CLICK HERE FOR GOOGLE PLAY: https://bit.ly/3curfMISee omnystudio.com/listener for privacy information.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3304: Jackie Beck emphasizes two foundational, yet often overlooked, steps to finally break free from debt: stop borrowing and stay committed through the ups and downs. Her practical advice reframes debt not as a budgeting puzzle but a mindset shift, encouraging listeners to build support systems, establish emergency funds, and plan for the inevitable surprises that come with financial transformation. Read along with the original article(s) here: https://www.jackiebeck.com/want-to-get-out-of-debt-dont-forget-the-most-important-step/ Quotes to ponder: "You have to quit borrowing in order for any get out of debt method to work." "When you're in a hole and want to climb out, the first step is to put down the shovel." "The most important thing when it comes to quitting debt is remembering that there are always alternatives to borrowing." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3304: Jackie Beck emphasizes two foundational, yet often overlooked, steps to finally break free from debt: stop borrowing and stay committed through the ups and downs. Her practical advice reframes debt not as a budgeting puzzle but a mindset shift, encouraging listeners to build support systems, establish emergency funds, and plan for the inevitable surprises that come with financial transformation. Read along with the original article(s) here: https://www.jackiebeck.com/want-to-get-out-of-debt-dont-forget-the-most-important-step/ Quotes to ponder: "You have to quit borrowing in order for any get out of debt method to work." "When you're in a hole and want to climb out, the first step is to put down the shovel." "The most important thing when it comes to quitting debt is remembering that there are always alternatives to borrowing." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3304: Jackie Beck emphasizes two foundational, yet often overlooked, steps to finally break free from debt: stop borrowing and stay committed through the ups and downs. Her practical advice reframes debt not as a budgeting puzzle but a mindset shift, encouraging listeners to build support systems, establish emergency funds, and plan for the inevitable surprises that come with financial transformation. Read along with the original article(s) here: https://www.jackiebeck.com/want-to-get-out-of-debt-dont-forget-the-most-important-step/ Quotes to ponder: "You have to quit borrowing in order for any get out of debt method to work." "When you're in a hole and want to climb out, the first step is to put down the shovel." "The most important thing when it comes to quitting debt is remembering that there are always alternatives to borrowing." Learn more about your ad choices. Visit megaphone.fm/adchoices

Losing your job can feel like the floor's been pulled out from under you—but there are steps you can take right away to steady your finances and protect your future. In this episode of the Get Out of Debt Guy Show, Steve Rhode (the original Get Out of Debt Guy) and Damon Day (the new Get Out of Debt Guy) break down what to do first when you're laid off, terminated, or facing a sudden loss of income.We also tackle a listener's question: If your loan is sold to a collection agency, does that mean you don't owe the debt anymore? Damon shares a wild personal story about fighting Citibank in court, and Steve explains why documentation and planning matter more than online myths.From managing credit cards and unemployment benefits, to side hustles like DoorDash and Instacart, this conversation is packed with real-world strategies to avoid common mistakes when income stops.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3284: Jackie Beck reminds us that the feeling of “I'll never get out of debt” is normal at different stages of the journey, but it doesn't mean freedom is out of reach. By narrowing your focus to the very next step, celebrating progress, and refusing to get stuck on the big picture, you can steadily build momentum and eventually cross the finish line debt-free. Read along with the original article(s) here: https://www.jackiebeck.com/im-never-gonna-get-this-paid-off/ Quotes to ponder: "Chances are a solid plan is exactly what you need to turn that feeling of despair into success." "Sometimes the best thing you can do when paying off debt is to focus on something other than your debt." "Don't look at the big picture, unless you're looking back at how far you've come." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3284: Jackie Beck reminds us that the feeling of “I'll never get out of debt” is normal at different stages of the journey, but it doesn't mean freedom is out of reach. By narrowing your focus to the very next step, celebrating progress, and refusing to get stuck on the big picture, you can steadily build momentum and eventually cross the finish line debt-free. Read along with the original article(s) here: https://www.jackiebeck.com/im-never-gonna-get-this-paid-off/ Quotes to ponder: "Chances are a solid plan is exactly what you need to turn that feeling of despair into success." "Sometimes the best thing you can do when paying off debt is to focus on something other than your debt." "Don't look at the big picture, unless you're looking back at how far you've come." Learn more about your ad choices. Visit megaphone.fm/adchoices

Prices are climbing faster than paychecks—and families feel the squeeze. In this episode, Steve Rhode (the old Get Out of Debt Guy) and Damon Day (the new Get Out of Debt Guy) break down the real-world cost pressures hitting households right now: cost of living vs. wages, shrinkflation at the grocery store, Instacart/app markups, rent and housing costs, electricity rising faster than inflation, insurance premiums, and high-interest credit card debt.We keep it plain-English and practical: why this is happening, how it shows up in everyday budgets, and realistic steps to protect your cash flow (cutting debt, smarter shopping, avoiding app markups, and building savings so your future isn't on a treadmill). Plus, a candid chat about retirement math—why “$7,000 a month” won't buy in 10–20 years what it buys today—and how getting out of debt sooner can change your entire trajectory.Helpful links:• Get more free help and guides: GetOutOfDebt.org — https://getoutofdebt.org• Talk with Damon one-on-one: DamonDay.com — https://damonday.com

The Money Memo SeriesMoney Memo #1: Get Out of Debt - Infinite Banking or NOT!In this Money Memo the message is that if YOU don't get out of debt, you won't get OUT of debt. Most people spend all they earn.Most people go in debt, stay in debt and show their children how to be debt slaves without even paying attention to it. You don't have to be like most people. You can't even optimize your situation by starting a whole life policy for Infinite Banking if you don't get out of debt and stay out of debt. Whose dreams do you want to build anyway?RESOURCES:Here's our story of paying off TENS of thousands of dollars with Infinite Banking!https://bit.ly/GetOutOfDebtWithInfiniteBanking⚔️ LIVE & LEAVE A LASTING LEGACY

From credit cards and car loans to family expectations back home, getting into debt in Dubai can be easier than getting out of it. Helen hears one worker’s debt story – and gets advice from the experts. Meanwhile, as a new survey finds 45% of Gen Z workers want a job with more social interaction, has the appeal of remote working waned? And if you’re finding it challenging to get your kids to pull their weight at home, we discuss weaponised incompetence – and how to rid your home of it…See omnystudio.com/listener for privacy information.

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Listen for great get-out-of-debt advice from some of our most popular guests! Featuring Canadian financial experts from Hoyes Michalos and Chris Enns, founder of Rags to Reasonable, and Danielle Park, author of Juggling Dynamite. From spotting predatory financial advisors to the importance of building an emergency fund, this episode is packed with practical, real-world tips and strategies you can start using today to get out of debt! 00:00 – The Snowball vs. Avalanche Method with Licensed Insolvency Trustee Joel Sandwith 01:20 – How to Avoid Predatory Financial Advice with Danielle Park 04:40 – How to Realistically Start Managing Your Money with Chris Enns 07:45 – Predatory Credit Advisors – What You Need to Know cont. 11:30 – Why Canadians Aren't Prepared for Financial Emergencies with Scott Terrio 13:00 – Snowball and Avalanche Method – Advanced Tips 16:30 – Why Your Perspective on Loans Matters 19:50 – Getting Out of Debt and Building Savings Has To Be Practical with Danielle Park 22:35 – Key Indicators of Debt Trouble – When to Seek Help 25:00 – A “Holistic” Approach to Paying Off Debt? Danielle Park on Debt Free in 30:  Building Wealth In A Challenging World Chris Enns on Debt Free in 30: Managing Money on a Variable Income Juggling Dynamite | Debtasized: How our reliance on credit leads to price inflation Learn More: Snowball Vs. Avalanche Debt Methods – Which One is Best? Hoyes Michalos Free Canadian Credit Rebuilding and Repair Course Sign Up for the Monthly Debt Free Digest Disclaimer: The information provided in the Debt Free in 30 Podcast is for entertainment and informational purposes only and is not intended as personal financial advice. Individual financial situations vary and may require personal guidance from a financial professional. The views expressed in this episode do not necessarily reflect the opinions of Hoyes, Michalos & Associates, or any other affiliated organizations. We do not endorse or guarantee the effectiveness of any specific financial institutions, strategies, or digital tools/apps discussed.

Debt relief shouldn't feel like a trap—but for too many people, it is. In this episode of the Get Out of Debt Podcast, your trusted debt coach, Steve Rhode (the original Get Out of Debt Guy), and Damon Day (the new Get Out of Debt Guy), break down 20 manipulative sales techniques used by both for-profit and nonprofit debt relief companies. Discover how to get out of debt wisely by understanding these tactics that get you to sign up—whether it's the right move or not.From fear-based pressure, fake authority, and bait-and-switch loan offers to commission-driven scripts that play on your guilt and urgency, this deep dive will show you exactly how these tactics work—and how to protect yourself. Whether it's a credit counselor, a debt settlement company, or a company claiming to be a “government program,” you'll walk away from this episode armed with red flag indicators and smarter questions to ask.This is not about being afraid; it's about being informed. Tune in now to get expert debt advice and take control of your financial future!

God Exhorts Us: “1) Do not fear; 2) Continue to tithe; 3) Get out of debt; 4) Help our brothers and sisters in need; and 5) Pray” MESSAGE SUMMARY: In the Bible, you can find five exhortations, from the God, that are right on point for our tough times in America: 1) Do not fear; 2) Continue to tithe; 3) Get out of debt; 4) Help our brothers and sisters in need; and 5) Pray. The people in Malachi's day were withholding what was God's, and they were paying a price. But even in those conditions of sin, God said to the nation, in Malachi 3:7, “From the days of your fathers you have turned aside from my statutes and have not kept them. Return to me, and I will return to you, says the LORD of hosts. But you say, ‘How shall we return?'.”. God does not change – God today is the same faithful Creator of the Universe as He was in the time of Malachi. Return to God, both as an individual and as a nation; and see how God will bless us!   TODAY'S PRAYER: Lord, help me to be still and to wait patiently for you in silence. In Jesus' name, amen. Scazzero, Peter. Emotionally Healthy Spirituality Day by Day (p. 125). Zondervan. Kindle Edition. TODAY'S AFFIRMATION: Today, I affirm that, because I am in Jesus Christ, God isn't finished with me yet (Philippians 1:6). “I can do everything through Him who gives me strength.”. (Philippians 4:14). SCRIPTURE REFERENCE (ESV): Malachi 2:1-17; Malachi 3:7; Malachi 3:16-18; Psalms 41:1-13. A WORD FROM THE LORD WEBSITE: www.AWFTL.org. THIS SUNDAY'S AUDIO SERMON: You can listen to Archbishop Beach's Current Sunday Sermon: “Stand in the Gap”, at our Website: https://awordfromthelord.org/listen/ DONATE TO AWFTL: https://mygiving.secure.force.com/GXDonateNow?id=a0Ui000000DglsqEAB

Is it ever “too late” to get out of debt? Whether you're mid-career, nearing retirement, or already retired, this episode will shatter the “too late” myth and walk you through clear, actionable steps to take control of your finances, no matter your age or life stage. Visit hoyes.com to get personalized support in Ontario from a Licensed Insolvency Trustee to reduce debt before retirement, and access the FREE Hoyes Michalos credit rebuilding course. (00:45) Age & Debt: Does Your Age Limit Your Options? (03:00) Why It Feels “Too Late” – Common Concerns Explained (04:45) Step 1: Identify Your Income Streams (06:40) Step 2: Track Your Expenses and Spending Habits (10:00) Step 3: Review All Your Debts and Available Credit (10:45) Step 4: Build a Realistic Repayment Plan (Budget) (14:20) Approaching Retirement? Key Actions You Need to Take (17:00) Where to Apply Extra Payments: Tackling High-Interest Loans First (20:00) Why Debt Consolidation Often Falls Short (22:00) Downsizing, Selling Assets & Tapping Savings: Pros & Cons (24:00) Can it be too late for a Bankruptcy or a Consumer Proposal? (26:00) The One Debt That Never Disappears on Its Own: CRA (28:00) It's Never Too Late: Reducing Debt Legally Planning For Retirement When You Have Debt Debt Relief for Seniors in Canada: Your Options and Solutions RRSP and Bankruptcy in Canada: Will I Lose My Retirement Savings? Sign Up For The Monthly Debt Free Digest Disclaimer: The information provided in the Debt Free in 30 Podcast is for entertainment and informational purposes only and is not intended as personal financial advice. Individual financial situations vary and may require personal guidance from a financial professional. The views expressed in this episode do not necessarily reflect the opinions of Hoyes, Michalos & Associates, or any other affiliated organizations. We do not endorse or guarantee the effectiveness of any specific financial institutions, strategies, or digital tools/apps discussed.

Click Here to Sign up for the Get Out of Debt Without Giving Up Your Summer Vacation Masterclass. Click Here to book your complimentary Financial Clarity Consultation. Ready to finally Stop Overspending?Start The Stop Overspending Course today → Click here to enroll. Grab the Free Training:How to Build Wealth WITHOUT Going On A Strict Budget → Click here to watch now. Click Here to open an Account with Ally Bank Using My Referral Link. Follow Me on Instagram → @germainefoleycoaching

Click Here to Sign up for the Get Out of Debt Without Giving Up Your Summer Vacation Masterclass. Click Here to book your complimentary Financial Clarity Consultation. Ready to finally Stop Overspending?Start The Stop Overspending Course today → Click here to enroll. Grab the Free Training:How to Build Wealth WITHOUT Going On A Strict Budget → Click here to watch now. Click Here to open an Account with Ally Bank Using My Referral Link. Follow Me on Instagram → @germainefoleycoaching

This week on our podcast, we dove into an unexpected yet eye-opening connection between the hit reality show Got to Get Out and the process of getting out of debt. Who knew a competition show could offer such powerful insights into financial freedom? When our daughter suggested the show, we didn't think much of it—but as we watched, the parallels to debt reduction became impossible to ignore. This is proof that you can find inspiration in unexpected places.  Tune in to hear our insights about the show and how it relates to achieving any financial goal.       Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung    

In this episode of the Personal Finance Podcast,  we are going to talk about  how to get out of debt the fast way with the 7-0 method. How Andrew Can Help You:  Listen to The Business Show here. Don't let another year pass by without making significant strides toward your dreams. "Master Your Money Goals" is your pathway to a future where your aspirations are not just wishes but realities. Enroll now and make this year count! Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here! Learn to invest by joining  Index Fund Pro! This is Andrew's course teaching you how to invest!  Watch The Master Money Youtube Channel! , Ask Andrew a question on Instagram or TikTok.  Learn how to get out of Debt by joining our Free Course  Leave Feedback or Episode Requests here.  Car buying Calculator here Thanks to Our Amazing Sponsors for supporting The Personal Finance Podcast. Shopify: Shopify makes it so easy to sell. Sign up for a one-dollar-per-month trial period at  shopify.com/pfp Chime: Start your credit journey with Chime. Sign-up takes only two minutes and doesn't affect your credit score. Get started at chime.com/ Thanks to Fundrise for Sponsoring the show! Invest in real estate going to fundrise.com/pfp Thanks to Policy Genius for Sponsoring the show! Go to policygenius.com to get your free life insurance quote. Go to https://joindeleteme.com/PFP20/ for 20% off! Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at Indeed.com/personalfinance Turn your business dream into reality! Apply now at www.oneday.org/pfp  Go to Acorns.com/pfp and start automating your investments and get a $5 bonus today! Shop Data Plans and Save Big at mintmobile.com/pfp   Links Mentioned in This Episode:  The Fastest Way to Pay Off Debt Relevant Episodes: Should I Pay Off Debt or Keep The Money Invested? - Money Q&A Pay Off Debt or Keep Investing? (Money Q&A) How to Never Go In Debt During The Holidays Again - Money Q&A Connect With Andrew on Social Media:  Instagram  TikTok Twitter  Master Money Website  Master Money Youtube Channel   Free Guides:   The Stairway to Wealth: The Order of Operations for your Money  How to Negotiate Your Salary  The 75 Day Money Challenge  Get out Of Debt Fast  Take the Money Personality Quiz Learn more about your ad choices. Visit megaphone.fm/adchoices

On this new edition of Ask KT and Suze Anything, Suze answers questions about sharing inherited IRAs, traditional 401(k)’s versus ROTHs and so much more. Jumpstart financial wellness for your employees: https://bit.ly/SecureSave Try your hand at Can I Afford It on Suze’s YouTube Channel Protect your financial future with the Must Have Docs: https://bit.ly/3Vq1V3GGet your savings going with Alliant Credit Union: https://bit.ly/3rg0YioGet Suze’s special offers for podcast listeners at suzeorman.com/offerJoin Suze’s Women & Money Community for FREE and ASK SUZE your questions which may just end up on the podcast. Download the app by following one of these links: CLICK HERE FOR APPLE: https://apple.co/2KcAHbH CLICK HERE FOR GOOGLE PLAY: https://bit.ly/3curfMISee omnystudio.com/listener for privacy information.

Click here to listen to the full episodeIf people really understood the crippling effects of consumer debt they'd get out of it and stay out of it forever. In this episode, Brian explains simple techniques to help you finally get rid of debt and create wealth. YOU WILL LEARN:· Why consumer debt is so insidious.· How a snowball plan can help. · Why you must invest to grow. MENTIONED IN THIS EPISODE: itsagoodlife.com“The Richest Man in Babylon,” by George S. ClasonNOTEWORTHY QUOTES FROM THIS EPISODE: “Ignorance isn't bliss, ignorance is poverty.” – Brian Buffini “Debt borrows from your future.” – Brian Buffini “Getting rich is easy. The problem is, getting broke is easier.” – Brian Buffini “Buying on an installment plan makes the month shorter, but it makes the years a lot longer.” – Brian Buffini “The greatest way to stay out of debt is to build wealth.” – Brian Buffini “If you discipline yourself now you can have everything you want later. Just delay that gratification.” – Brian Buffiniitsagoodlife.com Hosted on Acast. See acast.com/privacy for more information.