New Year, Real Debt Strategy: The January Audit + 90-Day Reset With Steve Rhode & Damon Day

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.