<prompt> Human: Hi everyone, been lurking for a while and Ive seen some of the most amazing advice here already inspiring some of my financial decisions. So i was wondering if you guys could consider my situation.Details: 23M, USA DC metropolitan areaJob: software developer 64kyr 3200mth after tax and deductionsJob details: 1 yr of work, mostly doing full-stack web app devops as a govt contractorRaisespromotions: one 4 pay bump after 6 months, currently in the process of an in-level promotion no position change but a promotion-level pay raise of 5, with the expectation of getting another 4 raise and a 5 promotion to lvl 2SE by the same time next year. After this it would be less frequent due to increased experience requirements for higher up positions. The above salary includes only the first 4 pay bump.Assets: 2k in Roth 401k 8 w 50 match for 12 total which is the max they will match, 1k in company stock 5 employee purchase discount, likely to move with economy, 8k in various cryptocurrencies, growing from a one year initial investment of 2k both thru investing and trading, and a car worth 8k less than what I oweTotal: 20kI also manage 10k of funds people have given to me, taking 5 of profits letting them know it could all be lost in a day of courseDebt: 37k school loans at a weighted average rate of 7, 12k in credit card debt 18, 11k car loan at 8, 3k personal school loan 11Total: 63kExpenses: 900month rent and utilities, 500month combined car payment and insurance, minimum payments on debt, the expenses of livingThe credit card debt is from school as well so Ive been working on paying that down as it has the highest interest, but I only net 200-500 a month and my first 6 months of working that was going to people I owed money to. I have gotten letters from companies saying theyll consolidate CC debt and negotiate for a lower total amount; do those companies actually work or is it just a bullshit scam?In terms of the cryptocurrency, its ROI is way better than any of the interest rates. Ive been making money pretty consistently, but its a very risky, volatile and unpredictable market. I once lost 60 of my holding due to an exchange fluke. How do taxes on cryptocurrency work? Do I have to pay taxes on everything I convert to USD or only on my profit? Will I not have to pay taxes on what I withdraw if its less than what I put in? Do I have to pay taxes on cryptocurrency I use to buy things directly? Are there any lawsregulations I should be aware of here?Comparing my debt to the cryptocurrency, my ROI so far has been far larger than any of my interest rates. However it carries inherent risk and I assume must be taxed before I can use it to pay something like debt. Taking this into account, should I still use my net income to pay my credit card down or invest a proportion of it into my crypto fund?Thank you kindly for any advice!Edit: also in terms of jobs, Im fairly confident I could get a new job and get a 10-20 pay increase but theres always the associated costs of movingadjusting. Also I like my job and my co-workers so theres the risk I could move and itll be shitty when it wasnt before. At what point does it become worth it to move?Im realizing that any raise on current income is a direct increase in your net income which makes it pretty valuable...  <response>: In terms of the cryptocurrency, its ROI is way better than any of the interest ratesAn 11 interest rate on a loan is fixed and certain. ROIs on investments are highly uncertain. Past ROI doesnt predict future ROI, at least not on investments as volatile as cryptocurrency.I believe that any debt with an interest rate above 5 should get absolute priority in paying it off. 