Credit Card Debt Payoff: How I’m Using Debt Like a CEO
Credit Card Debt Payoff: How I’m Using Debt Like a CEO
Credit card debt payoff is what I talk about in this Instagram Live episode of the Unicorn Millionaire Podcast, and why I don’t regret using credit cards it for a second.
By using a 0% APR card strategically, I grew my business to $260K in revenue, invested for retirement, and proved that credit cards can be a tool when used with intention.
Taking on this debt helped me:
- Grow my business to $260K in revenue
- Invest for retirement without sacrificing my future
- Prove that credit cards can be a tool for wealth-building when used with intention
If you’ve ever wondered whether debt is holding you back—or how it might actually help you reach financial freedom faster—this conversation is for you.
Why I Don’t Regret My Credit Card Debt
Most people see debt as a burden. I see it as a business strategy. By using a 0% APR credit card, I was able to invest in my business up front, scale my revenue, and still make space for retirement savings.
This wasn’t about reckless spending. It was about choosing to use credit strategically—like a CEO would—to collapse my retirement timeline instead of dragging it out.
Releasing shame around credit card debt payoff has been key to building wealth.
What You’ll Learn in This Episode
How I used a 0% APR card to invest in my business and scale to $260K in sales
The mindset shifts that helped me release shame around debt
Why debt payoff is part of retirement planning (and not separate from it)
How credit cards can support wealth-building when used intentionally
Credit Cards as a Wealth-Building Tool
Your retirement timeline can actually collapse when you prioritize intentional credit card debt payoff.
Credit cards aren’t inherently “bad.” The problem is how we’re taught to fear them. The truth? When used with intention, they can create breathing room, fuel business growth, and accelerate your long-term wealth.
Paying off my credit card debt isn’t just about wiping the balance—it’s about proving that I can use financial tools on my terms and build a future where retirement comes sooner, not later.
Credit card debt has let me:
- Funded my Roth IRA and Solo 401(k)
- Paid myself while growing my business while leveraging debt
- Traveled internationally and still planned for early retirement
Work With Me 1:1
If you’re ready to stop fearing debt and start using it as a tool to build wealth, let’s work together.
We’ll get you on track to:
- Crush debt without shame
- Raise your credit score (see how my client raised her by 100 points in less than 6 months)
- Learn to sell stock without guilt
- Start building a six-figure retirement—even without a six-figure salary
Coaching includes bi-weekly calls, daily messaging, and a full curriculum covering savings, credit cards, debt payoff, investing, and money mindset.
Investment: $6,000 or two payments of $3,100.
Six-Month 1:1 Coaching includes:
- Bi-weekly calls
- Daily messaging support
- A full curriculum on savings, debt payoff, credit, investing, and money mindset
- Investment: $6,000 or two payments of $3,100
Or, sign up for my Crush Debt, Retire Early Emails here.
Credit Card Debt Payoff: Listen to the Full Episode:
🎧 Listen to episode125 of the Unicorn Millionaire Podcast on Spotify here
🎧 Listen to episode 125 of the Unicorn Millionaire Podcast on Apple Podcasts here
About Charly
I’m Charly Stoever (@travelercharly) — a nonbinary Latinx money coach, speaker, and host of the Unicorn Millionaire Podcast. I help LGBTQ+, BIPOC, and first-gen folks crush debt and build a six-figure retirement—even without a six-figure salary.
As a formerly undocumented Mexican American and ex-stockbroker who’s traveled solo to 39 countries, I now coach full-time while also international pet sitting.
If you’re ready to stop avoiding your finances and start using your money on purpose, work with me.
Get your coaching FAQs answered here, and book a call with Charly to get started with 6 month coaching here.
Hi!
I’m Katie and I saw your clip on the salary transparent street interview, my sister was also on the clip (the HR business partner) and I noticed you’re a money coach in Portland. I live in the PDX area as well and work as a financial counselor at a non profit. I’ve just recently started to build out my own brand and thought I’d reach out and connect since there’s not many of us with the same passion out here. Love what you’re doing!