In this instagram live Q&A and episode of the Unicorn Millionaire podcast, @travelercharly breaks down how to use credit cards and debt to retire early, without shame and without sabotaging your future.

Whether you’re sitting on $30K in credit card debt or just anxious about opening a new card, this episode will help you reframe debt as a strategic tool, not a moral failure.

I talk about how I used business credit cards to grow my coaching business, fund investments like my Roth IRA and Solo 401(k), and still pay myself while traveling the world and planning for early retirement.

I also answer live audience questions and share how my clients of all income levels—from $50K to $300K—are crushing debt, healing money wounds, and building six-figure retirement plans.

If you’ve ever wondered:

• Should I open a travel card if I still have debt?
  

• When is it actually worth it to go into credit card debt?
  

• Is it better to use savings or sell stock to pay off coaching or business expenses?
  

• How do I invest while I still owe money?
  

This episode is for you. Listen now and learn how to crush debt while building wealth.

Book a call here to start six-month one-on-one coaching. Coaching Includes bi-weekly coaching calls, daily messaging, and a full curriculum covering savings, credit cards, debt payoff, investing, and money mindset. Investment: $6,000 paid in full or two payments of $3,100.

Sign up for my Crush Debt, Retire Early Emails here. 

Charly Stoever (they/he/papi) is a nonbinary latinx money coach, speaker, and host of the Unicorn Millionaire Podcast. They help LGBTQ+, BIPOC, and first-gen folks crush debt and start building a six-figure retirement, without needing a six figure salary. They're a formerly undocumented Mexican American and ex-stock broker who has traveled solo to 39 countries and is full time international pet sitter.