Much study and experience in trading pretty small amounts of Bitcoin, and special algorithms for price prediction within some mostly accurate AI networks.
I have a 40 square meter apartment in one country that recently became a part of the EU, worth around $50.000, an HP 8710p laptop, LG E440 smartphone and similar things.
Needless to say, but if you had special algorithms that were mostly accurate predicting price,
you would not need to borrow money.
Also much study and experience in trading doesn't mean you can be profitable.
Making consistent profits in trading is one of the hardest things in the world to do.