In the mesmerizing YouTube video titled "Unveiling My Past: A Glimpse into Life Before YouTube", the enigmatic persona known as Credit Brian delves deep into his past, revealing a story that is both raw and inspiring. As we approach the end of 2019 and look towards the new year, Credit Brian shares his personal journey of self-improvement, personal finance, and investing, shedding light on the struggles he faced before becoming the well-known figure he is today. Join us as we uncover the untold chapters of Credit Brian’s life before YouTube, and discover the transformative power of community, leadership, and teamwork that shaped his path to success.
Unveiling My Past: A Glimpse into Life Before YouTube

Table of Contents

Life Before YouTube: The Path to Self-Improvement

Life Before YouTube: The Path to Self-Improvement
I started this YouTube channel with the intention of sharing my journey towards self-improvement, personal finance, and investing. My goal has always been to inspire others based on my life experiences and lessons learned along the way. Before gaining popularity as the "credit card guy," I faced my fair share of challenges during my high school years. I experienced expulsion, suspensions, and even time in an alternative program and military school. These struggles led me to realize that I needed to make a change in my life and strive for something greater.

One pivotal moment that shifted my perspective was when I discovered rugby, a sport that taught me valuable lessons in community, leadership, teamwork, and discipline. Through my success in rugby, I gained confidence, developed essential skills, and found a sense of purpose. These core fundamentals from my rugby days have played a significant role in shaping the person I am today and have influenced how I approach my business endeavors. The lessons I learned on the rugby field continue to guide me towards my self-improvement goals, both personally and professionally.

Struggles and Triumphs: Overcoming Challenges and Building Character

Struggles and Triumphs: Overcoming Challenges and Building Character

With 2019 coming to a close and 2020 right around the corner, I think this is a great time to talk about the goals I have and just share with you guys exactly a little bit more of who I am now. A lot of you guys who are watching this video right now will know me as the credit card guy or credit Brian, but prior to me being that name or being placed in this industry, I actually started this YouTube channel off the idea of just being in general self-improvement personal finance investing and just sharing with you guys some of my life experiences. Now, within this past year, we’ve gained about 30,000 subscribers, which I believe is crazy. I know in 2020 we’re gonna hit a hundred thousand subscribers, and that’s actually one of my goals.

Starting out, if it wasn’t obvious already, I am Asian. Growing up in high school around sophomore to junior year, I had my fair share of troubles. I actually got expelled at one point, got suspended a multitude of times, got sent to an alternative program, got sent to military school, and I just wasn’t on the right path. When you get expelled, two options happen: you actually get no education at all or you get sent to some type of alternative program. I really didn’t want to be like that growing up in my life, and a lot of people would just see me now as credit Brian. Little do people know, I never even took a business class or knew what an entrepreneur was up until a couple years ago. I was just your typical Korean-American kid that went to Sunday church and just got in trouble at school and just didn’t really know what he wanted to do with his life. After witnessing the possibility of having a grim future just by seeing a reflection of myself in these other kids in that program, I realized we’re gonna do something different. I eventually did well enough at that alternative program, I stood out and I was actually reading. I came back to high school, I put a lot of my energy back into studying, I pulled my energy back into the community, and I built a good group of friends in the sports I played. So, I grew up playing football in middle school and in high school, and my football coach is actually my rugby coach too. My football coach told me to play rugby. I told him I don’t know what the hell that is and I don’t ever want to get near it. After him asking me for months, I actually ended up playing rugby, and I stayed with that for about five to six years and I still play that now. The most important things about rugby that changed my life were community, leadership, teamwork, discipline. It’s really the core fundamentals that I have now that I implement in my business that I learned from that sport. So, by playing rugby, I actually did fairly decent as well. I was invited to Nationals, I was invited as the all-star player twice for Maryland, and I went to the state championship for five years. Those times were good. I feel like that’s my.

Lessons from Rugby: Community, Leadership, and Discipline in Business and Life

Lessons from Rugby: Community, Leadership, and Discipline in Business and Life
I actually started off this YouTube journey with the intent of sharing insights on self-improvement, personal finance, and investing. Before the credit card guy persona, I was simply Brian – a Korean-American teen struggling with school-related issues. Expelled, suspended, and sent to alternative programs, I was at a crossroads. Witnessing the potential grim future of myself and other troubled kids, I decided to take a different path. Through determination, I eventually excelled in the alternative program, returned to high school, and devoted myself to studying and forming a strong community of friends.

One pivotal moment that shaped me was when my football coach urged me to try rugby. Initially reluctant, I eventually embraced the sport and dedicated five to six years to it. Rugby instilled in me invaluable values of community, leadership, teamwork, and discipline. These core principles not only transformed my life but also left a lasting impact on how I approach my business endeavors. As a result of rugby, I achieved significant milestones, from being invited to Nationals to earning the title of an all-star player for Maryland multiple times. The lessons learned from rugby remain integral to my personal and professional growth.


Q: What was the initial focus of the YouTube channel before becoming known as the “credit card guy”?
A: The YouTube channel initially focused on self-improvement, personal finance, investing, and sharing life experiences before transitioning to credit card-related content.

Q: Can you share a bit about your past and the troubles you faced in high school?
A: Growing up, I faced challenges in high school which led to multiple suspensions, expulsion, and eventually being sent to an alternative program and military school. However, through these experiences, I was able to turn my life around and focus on education and community.

Q: How did playing rugby impact your life and career?
A: Playing rugby taught me valuable lessons in community, leadership, teamwork, and discipline which have become core fundamentals that I implement in my business today. It also helped me develop important skills that have contributed to my success, such as being invited to Nationals and being recognized as an all-star player.

Q: What are your goals for the future of your YouTube channel?
A: One of my goals for 2020 is to reach 100,000 subscribers on my YouTube channel. I am excited to continue sharing content on personal finance, credit cards, and other topics while also providing glimpses into my past and personal journey.

The Conclusion

As we come to the end of this blog post discussing the YouTube video, “Unveiling My Past: A Glimpse into Life Before YouTube,” it is clear that everyone’s journey is unique and filled with twists and turns. Despite the challenges faced in the past, it is inspiring to see how individuals like Brian have overcome obstacles and transformed their lives. From being a troubled youth to becoming a successful entrepreneur and content creator, Brian’s story is a testament to the power of determination and hard work. As we look towards the future, let us remember that our past does not define us, but rather shapes us into the individuals we are today. Here’s to embracing the challenges, celebrating the successes, and continuing to strive for personal growth and improvement. Thank you for joining me on this introspective journey, and may we all find inspiration in the stories of those who have come before us.

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