<prompt> Human: The big questions I think are: 1 How do taxes work? 2 How do I re-invest? For some background, Im 29M Florida resident living abroad 330 daysyear Yay foreign exclusion!. I currently earn 35K year and in Aug start a new position at 60Kyear. I have 35K in debt 20K Student Loan, 10K CC interest-free, 5K to friends and family. I also have 5k in blue-chips and 1K in cash.Math says my pay bump will cover my CC before the interest kicks back in phew! and I should also be able to knock out the Friends and Family a few months after. Student Loans are a concern, but it may make more sense to grow capital instead of paying down debt?I live a pretty minimal lifestyle on a budget of 2kmonth not including debt payments of 700. I dont expect this to inflate with the pay bump, but theres always a margin of error.Im thinking the taxes just need to be paid so I can get the monies working, but theres likely more to it, eh?For investing, Im willing to take on risk, but Im not trying to buy Jhonny B Goodes next hit ICO. Im generally a disciplined and rational person, so Id like my portfolio to reflect that. Im sure there is tons more stuff I need to consider, so any and all advice is welcomed! Thanks! Disclaim: Throw-away account  <response>: If you have 10k in credit card debt, plus 5k in personal debt to friendsfamily, you are not living a minimal lifestyle. Pay off all the debt right now. Then start with a clean slate with your new higher salary. 