How Jasmine McCall Generated $ 100,000 In Passive Income From Digital Products

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  • Jasmine McCall sells digital kits that help people improve their credit by disputing inaccuracies.
  • She needed a way to generate passive income that was COVID-safe and required no overhead.
  • Her digital products, which she promotes on YouTube, have earned her six figures.
  • This article is part of a series focused on Millennial Financial Empowerment called Master Your Money.

Jasmine McCall was eight months pregnant when her nine- to five-month business consulting job let her know he was slashing her pay significantly. Although her husband was still able to cover his share of the expenses, she struggled to figure out how she would earn enough money to take care of her growing family.

“I’ve always been a ‘sleep piece’ fan,” McCall, 30, told Insider, “the idea of ​​making money while you sleep.” Since her doctor prescribed bed rest for her at the end of her pregnancy, McCall was looking for a business model that required no overhead, was safe for COVID, and “could work without me most of the time.”

Her original goal was to earn $ 1,000 per month to cover the cost of daycare, but she quickly exceeded that goal after posting her first YouTube video in August 2021. Here’s how McCall earned $ 100,000 in passive income in four month.

She Created A Digital Product To Help People Improve Their Credit Score

In the past, McCall had a poor credit history due to unpaid medical bills. She comes from a family of six siblings, raised by a single mother, who used welfare benefits to try to make ends meet and could never afford health insurance.

At first, McCall dutifully paid the medical bills, but soon found it still wasn’t improving her credit rating. After hours of research, she learned that collection agencies were collecting illegal fees in addition to the debt she actually owed. She started writing challenge letters to the credit bureaus to get the debt removed from her credit report. After filing the lawsuits, her creditors completely forgave her debt and her credit rating jumped 100 points.

McCall’s friends quickly asked him to help them increase their credit as well. “For the first two years, I was just coaching my friends on how to fix their credit scores,” she said. Eventually, so many people asked for her help that she decided to sell a digital package with protest letter templates that people could use.

Now she sells three digital products that help people build wealth through a platform called GetDPD: $ 7 Ultimate Resume Kit, $ 27 Ultimate Credit Boost Kit, and $ 37 Ultimate Buyer’s Kit.

She promoted her digital products on YouTube

In the summer of 2021, eight months pregnant McCall decided to take her digital business to the next level by promoting products on YouTube, explaining every step of the credit report dispute process and linking its products in the video description.

“The YouTube algorithm liked the video,” McCall says, “and I learned that I only need 1,000 subscribers and 4,000 minutes of viewing time to be monetized on YouTube.” Her content is classified as educational content on YouTube, and brands like Carvana and Experian pay her to advertise related products at the start of her videos. Between September and December 2021, she earned $ 3,000 per month in YouTube advertising revenue.

At this point, McCall researched best practices for search engine optimization, to make sure the YouTube algorithm would connect its content to its audience. “I didn’t come in with the intention of becoming a creative,” she added, “but there were so many additional questions that I had to keep creating content.”

She sold an average of $ 25,000 of digital products per month from September to December 2021, according to records viewed by Insider.

“At this point in my life, I’m doing really well for myself, but I’ll never forget the feeling of being constantly rejected because my mom had bad credit,” McCall continues. Raising six children alone, her mother struggled with her sanity after frequently being harassed by debt collectors threatening to repossess her car or auction items in her home.

“The demographic I had in mind when I started making videos were people like me who had grown up on welfare, with very limited educational resources; single mothers who didn’t have health insurance, ”says McCall. “When I make these videos, it’s like I’m talking to my mom back then, if she has someone to help her with her credit.”

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