<prompt> Human: I have a tax bill due of 50,000, and I have the 50,000 to pay it. But I also have 50,000 of credit card and other personal debt.Ive got a solid budget now, and Im going to pay everybody. Considering my credit cardpersonal debt interest averages 15, wouldnt making a payment plan with the IRS and using the cash I have to pay off the credit cards save me money in the long run?  <response>: Ask for a payment plan for taxes, but pay taxes first. 