00:00Ever since she was little, the girl had been obsessed with money.
00:03While other kids were busy with mud pies and doodles,
00:05she was already running her own little hustles.
00:07She'd grab just-expired fried chicken from the supermarket,
00:10reheat it, and sell it to passing truckers,
00:12a classic case of making something out of nothing.
00:15By middle school, she was reselling unlicensed cigarettes at school,
00:18managing to support her whole family.
00:19And she wasn't just about money.
00:21Her sharp mind also earned her admission into a top university.
00:24Her mom and brother were thrilled, but she couldn't enjoy the moment.
00:27She couldn't afford the $7,000 tuition loan, especially not with the sky-high interest.
00:32She immediately started scalping tickets outside events.
00:35Her fake tickets were even more popular than the real ones.
00:38But this time, she wasn't so lucky.
00:40Caught for fraud, she was sentenced to 40 months in prison.
00:43Even behind bars, she didn't stop scheming.
00:46She started selling yogurt to fellow inmates and used the profits to buy a stack of books,
00:50turning her cell into a classroom.
00:52She was determined to become the female Warren Buffett.
00:54But then came a call from her mom, bursting her bubble,
00:57legal fees and fines had snowballed, growing by the day.
01:00Enraged, she smashed the prison phone.
01:02Thanks to good behavior, she got out early.
01:04But the moment she stepped out, the debt collectors came calling.
01:07To her surprise, they offered to settle her $30,000 debt for just $5,000,
01:11as long as she paid immediately.
01:13Her sharp mind picked up on something.
01:15The real opportunity wasn't the discount, but the system behind it.
01:18She dug deeper and found out debt collectors earned a 10% commission on every recovery.
01:23But why had her debt been slashed so drastically?
01:25To get answers, she went straight to the debt collection company.
01:28There, she discovered banks regularly sell off massive bundles of bad debt at dirt cheap prices.
01:33It was up to the debt firms to recover whatever they could.
01:36She struck a deal with the boss.
01:37If she became the top performer in a month, they'd cancel her debt.
01:40If not, she'd pay back double.
01:42The boss punched out the company's worst performing employee and gave her his desk.
01:46He didn't believe for a second that this young upstart could make it.
01:48But on her very first case, she taught everyone a lesson.
01:51She didn't just cold call, she did her homework.
01:54Her first debtor turned out to be a spoiled mama's boy who openly admitted he had the money
01:58but just didn't want to pay.
02:00She calmly told him if he didn't pay up, she'd call his mother.
02:02He caved instantly.
02:03From there, she started targeting each debtor's weak spot and collected on them one by one.
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