broke to 6 figures in 6 months

SUMMARY

Colin Yurcisin shares his journey from $50,000 in debt and a dead-end job to building a six-figure credit business in six months, emphasizing credit leverage, entrepreneurship, and personal transformation.

CORE INFORMATION

Colin graduated from the University of Arizona with a business degree, accumulating $20,000 in student loans and $5,000 in credit card debt. He started his first job in August 2018 as a sales rep at ADP, earning a $39,000 salary plus commissions, potentially totaling $50,000 annually. Despite outward appearances of normalcy—living with fraternity friends, driving a Volkswagen, and enjoying weekends—he was deeply depressed, engaging in excessive drug and alcohol use to cope. His bi-weekly take-home pay of about $1,250 was quickly depleted by rent, car payments, student loans, and partying, leaving him broke with only $333 in his bank account by 2019. Inspired by social media influencers showcasing lavish lifestyles through e-commerce and personal brands, he sought change but felt trapped by his financial situation.

To break free, Colin invested $2,000 he didn't have—charged to his credit card—into a mastermind event in California, driving eight hours to immerse himself in a new environment. The event covered credit, e-commerce, ATM businesses, real estate, and personal branding, igniting his motivation. Upon returning, he bought bookshelves filled with personal development and finance books, listening to podcasts by Ed Mylett, Tony Robbins, and Gary Vaynerchuk during commutes. In June 2019, unable to wait longer, he quit his job and took a $20,000 personal loan from prosper.com to fund side hustles. He wrote ambitious goals for June 2020, including quitting his job, achieving financial freedom, creating three passive income streams via Amazon and Shopify, owning rental property, paying off debts, taking family vacations, earning $31,000 monthly passive income, flying private jets, and building a 10,000-follower Instagram brand. He pursued ventures like content creation, drop shipping (selling doggy water bottles with minimal sales), a clothing company called Hidden Agenda, wholesale real estate (knocking on doors in 115-degree heat), and brokering social media services, but all failed, leading to default on the loan with $780 monthly payments he couldn't afford.

His credit score dropped below 600, businesses collapsed, and he nearly moved back home defeated. Instead, he adopted a "burn the boats" mindset, writing motivational notes like building credit to 750, practicing "micro speed, macro patience," staying humble, avoiding negativity, and working relentlessly to pay off $20,000 in five months. Immersing in positive influences through podcasts, books, and networking, he locked himself in his room to study credit repair. He took a course, paid a mentor, sent dispute letters to bureaus and creditors, removed collections, and secured credit cards including a Chase Ink Unlimited business card at 0% interest, initially $15,000, then doubled to $30,000 via a phone request. With three advanced cards, he scaled a credit-focused business, producing daily videos (manually adding subtitles), offering free DM consultations on repair, travel hacks, and bonuses, branding himself as a credit expert.

By November 2019, he launched Credit Class, teaching credit leverage for income and free travel via Instagram close friends stories for $250 per member, without a business bank account—using PayPal, Zelle, and Venmo personally. It exploded, earning over $6,000 on launch day (Black Friday). This success enabled him to book a one-way ticket to Bali in January 2020, flying business class at age 23, just six months after being $50,000 in debt. In 2020, the business profited over $550,000. He set bolder goals like traveling 20 countries, taking 100 flights, making a million dollars, retiring his mom, gaining 500,000 Instagram followers, creating seven income streams, hosting events, helping 1,000 people with credit, launching a podcast and YouTube, and sharing in businesses—all achieved. Credit became the foundation for seven-figure businesses, Bitcoin investments, a mining company, world travel, and meeting his fiancée in Bali.

IDEAS

Graduating with debt traps many in unfulfilling corporate jobs lacking purpose.
Outward success masks inner depression from financial and existential voids.
Social media lifestyles inspire but highlight personal financial inadequacy starkly.
Investing borrowed money in education events can pivot life dramatically.
Immersing in new environments breaks cycles of stagnation and numbness.
Personal development books and podcasts fuel entrepreneurial fire intensely.
Quitting stable jobs requires bold loans to fund unproven side hustles.
Ambitious goal-setting with deadlines accelerates action despite risks.
Failed ventures like drop shipping teach resilience over immediate success.
Defaulting on loans destroys credit but forces deeper financial learning.
"Burn the boats" mindset rejects retreat, embracing obstacles head-on.
Studying credit repair intensely turns personal failures into expertise.
Securing high-limit cards at zero interest scales businesses effectively.
Daily content creation builds credibility without advanced tech tools.
Launching simple online courses via social media generates quick revenue.
Achieving six figures in months stems from leveraging credit strategically.
Traveling abroad post-success validates entrepreneurial dreams tangibly.
Smashing goals repeatedly prompts escalating ambitions confidently.
Helping others with credit creates scalable, fulfilling income streams.
Persistence through hardship yields multi-million dollar business empires.
Positive affirmations and influences counteract negative self-talk daily.
Networking events expose opportunities beyond isolated corporate life.
Manual video production in early stages demonstrates resourcefulness.
Family vacations funded by success repay parental sacrifices emotionally.
Bitcoin investments and mining diversify income into high-growth assets.
Meeting life partners in travel destinations ties freedom to relationships.

INSIGHTS

Credit mastery transforms debt-induced despair into entrepreneurial empowerment.
Embracing failure as education accelerates path to financial independence.
Bold risks like loans and quits catalyze breakthroughs over safe stagnation.
Immersive learning and action outperform passive inspiration from media.
Personal branding via consistent content creation unlocks viral business growth.
Goal visualization with daily review manifests ambitious realities swiftly.
Positive mental environments via books and podcasts rebuild resilience.
Scaling expertise in niche problems like credit yields exponential profits.
Global travel post-success reinforces freedom's tangible, life-changing rewards.
Selective client intake ensures high-value, sustainable business relationships.
Relentless daily effort compounds into multi-figure income streams rapidly.
Family integration into success narratives sustains long-term motivation.

QUOTES

"I literally felt like a hamster on a wheel after my payments."
"I invested $2,000 of money I did not have on a credit card into a mastermind."
"I will have all of this by June 9th, 2020."
"Work your effing ass off every day."
"Micro speed, macro patience."
"I decided to go through it."
"Build my credit to a 750."
"Stay humble. Never speak negativity inside your head or out loud."
"I had nothing else to lose."
"This blew up and in my first day I made over $6,000 in just a few hours."
"It was all because I went through the obstacle instead of around it."
"Credit literally changed my life forever."
"Was it hard? Absolutely. It was the hardest thing I ever did in my life."
"I'm no different than you."
"I smashed all of those goals, too."
"All of this stuff was because of these cards right here."
"I've helped over a thousand people learn this game, too."
"We are very selective with who we work with."
"I'm going to be posting videos every day for the next 30 days."
"Much love, guys. Appreciate you."

HABITS

Listening to motivational podcasts during daily work commutes.
Reading personal development and finance books obsessively.
Writing ambitious goals on paper and reviewing them daily.
Producing and posting credit videos almost every single day.
Sending dispute letters for credit repair immediately after learning.
Offering free consultations in social media direct messages.
Immersing in networking events for positive influences regularly.
Applying for credit limit increases right after card approval.
Maintaining a "burn the boats" mindset through whiteboard affirmations.
Avoiding negative self-talk internally and verbally every day.
Studying niche topics like credit by locking in room intensively.
Traveling internationally to validate and expand business success.
Setting escalating goals at year-end to build on achievements.
Hosting personal networking events to grow connections organically.
Investing profits into diversified assets like Bitcoin mining.
Booking one-way tickets for bold life changes without return plans.
Manually adding subtitles to videos for professional early content.
Collecting payments via personal apps until business infrastructure ready.
Helping others with credit strategies to build credibility and income.
Sprinting with daily video posts to boost channel growth rapidly.

FACTS

University of Arizona known as epic party school for business degrees.
ADP sales rep starting salary was $39,000 plus commissions in 2018.
Bi-weekly take-home pay after taxes approximated $1,250 for entry-level.
Prosper.com offered $20,000 personal loan with $780 monthly payments.
Arizona summer heat reached 115 degrees during door-knocking hustles.
Credit score dropped under 600 after loan default and business failures.
Chase Ink Unlimited card approved initially for $15,000 at zero percent.
Credit Class launched November 2019, earning $6,000 on first day.
Business class flight to Bali taken at age 23 after six-month turnaround.
2020 profits from credit business exceeded $550,000 in one year.
Goals included traveling 20 countries and 100 flights in single year.
Instagram follower goal of 500,000 achieved alongside business scaling.
Helped over 1,000 people with credit building and leveraging strategies.
Bitcoin mining company services over 100 high net worth clients.
Seven-figure businesses started using credit as foundational tool.
Met fiancée in Bali during world travel phase of entrepreneurial life.
Original student debt totaled $20,000 plus $5,000 credit cards post-college.
First job at ADP involved selling payroll services full-time.
Drop shipping store sold five doggy water bottles before mentor ghosted.
Clothing company named Hidden Agenda symbolized anti-corporate freedom.

REFERENCES

Ed Mylett podcasts for personal development motivation.
Tony Robbins audio content on success and mindset.
Gary Vaynerchuk talks on entrepreneurship and branding.
Prosper.com for personal loan acquisition.
Mastermind event in California covering credit, e-commerce, ATM business, real estate, personal brand.
Credit repair course and paid mentor for dispute strategies.
Chase Ink Unlimited business credit card.
Inc. unlimited business card (mentioned as additional approval).
Amazon and Shopify for passive income streams.
Instagram for personal brand building and 10,000/500,000 follower goals.
Credit Class business teaching credit leverage and travel hacks.
PayPal, Zelle, Venmo for initial payment collection.
Bali one-way ticket and business class flight.
Bitcoin investments and mining company.
Podcast, YouTube channel, and networking events hosted.
Family vacations and mom retirement plans.

HOW TO APPLY

Assess current debt and income to identify escape gaps immediately.
Invest in educational events using credit despite financial constraints.
Drive or travel to immersive environments to break negative routines.
Purchase and read personal development books on finance daily.
Listen to inspirational podcasts like Robbins during commutes consistently.
Quit stable job only after securing startup capital via loans.
Write detailed, dated goals covering income, freedom, and lifestyle ambitions.
Review written goals every morning to maintain focus and motivation.
Experiment with multiple side hustles like content and drop shipping.
Learn from failures by analyzing what didn't work without quitting.
Study credit repair through courses and mentors intensively in isolation.
Send dispute letters to bureaus and creditors for negative items promptly.
Apply for business credit cards at zero interest post-repair success.
Call card issuers immediately for credit limit increases after approval.
Produce daily educational videos on your expertise using basic tools.
Offer free advice in social media to build audience trust organically.
Launch online course via Instagram stories charging fixed membership fee.
Collect initial revenues through personal payment apps temporarily.
Book international travel tickets to celebrate and expand post-success.
Set new, escalated goals annually based on prior achievements rapidly.
Diversify income by investing profits into assets like Bitcoin mining.

ONE-SENTENCE TAKEAWAY

Leverage credit strategically to transform debt into six-figure entrepreneurial freedom rapidly.

RECOMMENDATIONS

Take calculated risks with loans to fund transformative education events.
Immerse in positive influences via books and podcasts daily for mindset shift.
Set audacious, deadline-bound goals and review them religiously every day.
Persist through business failures by treating them as learning opportunities.
Master credit repair personally before scaling it into a profitable service.
Secure high-limit, zero-interest cards to bootstrap business growth effectively.
Create consistent content on niche expertise to attract paying audience quickly.
Launch simple membership-based courses using social media platforms immediately.
Travel internationally post-milestones to embody and inspire your brand.
Escalate ambitions yearly after smashing initial goals for continuous acceleration.
Avoid negativity through affirmations and selective networking environments always.
Help others selectively to build sustainable, high-value client relationships.
Diversify into high-growth assets like Bitcoin using business profits wisely.
Produce daily videos in sprints to explode channel and business visibility.
Integrate family into success by funding vacations and retirements meaningfully.
Burn boats mentality: commit fully without retreat plans in challenges.
Use manual tools for early content until tech like AI becomes available.
Broker services initially to gain experience before full business launch.
Knock doors or hustle locally in harsh conditions to build resilience.
Achieve financial freedom by going through obstacles, not avoiding them.

MEMO

Colin Yurcisin's rags-to-riches tale begins in the haze of post-college debt, a $20,000 student loan burden from the University of Arizona shadowing his $5,000 credit card tab. Landing a sales gig at ADP in 2018 promised stability at $39,000 annually, but bi-weekly paychecks of $1,250 vanished into rent, car notes, and weekend excesses, leaving him with $333 and a soul-crushing depression. Outwardly, life in a shared apartment with fraternity brothers seemed fine—bar hops and a modest Volkswagen—but inwardly, he was a "hamster on a wheel," numbing pain with drugs and alcohol while envying social media influencers jet-setting via e-commerce empires.

Desperation sparked action: charging $2,000 to his card for a California mastermind, he drove eight hours to absorb lessons on credit, real estate, and branding. Returning transformed, bookshelves groaned under finance tomes, and commutes filled with Ed Mylett and Tony Robbins ignited his fire. Quitting in June 2019, he borrowed $20,000 from Prosper.com, scripting wild goals like $31,000 monthly passive income and private jets by 2020. Ventures flopped—drop-shipping dog bottles yielded five sales before a ghosting mentor; a clothing line called Hidden Agenda symbolized rebellion but tanked; door-knocking in 115-degree Arizona heat for real estate wholesaling exhausted him. Defaulting on the loan cratered his credit below 600, businesses crumbled, and defeat loomed, nearly sending him crawling home.

Yet Yurcisin refused surrender, adopting a "burn the boats" ethos with whiteboard mantras: build credit to 750, "micro speed, macro patience," no negativity. Locking in his room, he devoured credit repair courses, dispatched dispute letters, erased collections, and snagged a $15,000 Chase Ink card at zero percent—doubling it to $30,000 via a savvy call. Branding as a credit guru, he churned daily videos (self-subtitling sans AI), offered free DM consults on hacks and bonuses. November 2019's Credit Class launch—an Instagram stories membership for $250—netted $6,000 on Black Friday, sans business account, funneling funds through Venmo.

Six months after $50,000 debt, 23-year-old Yurcisin jetted business class to Bali, ditching Scottsdale's toxicity for global freedom. 2020 profits soared past $550,000, smashing goals of 20 countries, 100 flights, 500,000 followers, and seven income streams. Credit fueled seven-figure ventures, Bitcoin millions, a mining firm for elites, world travels, and meeting his fiancée. "I'm no different than you," he insists, urging selective applicants to book calls for his strategies—proving persistence through obstacles births extraordinary lives.

Today, with daily video sprints promised, Yurcisin's channel surges, embodying the credit revolution that retired his mom and built empires. His story isn't luck but relentless action: from broke to bountiful, a blueprint for anyone daring to leverage debt into destiny.