<prompt> Human: Ill try to keep this brief.Me: 27 years old. Just had some major surgery and am on medical leave from my job. Due to it being a very shitty work environment, I might not even return.A family friend heard about my surgery and gave me 100,000 XRP, which I guess is similar to Bitcoinother virtual currency. I have no idea what any of that nonsense is.But, if I just cash it all out, its about 30,000. I dont know what to do.Debt: 5000 left on an auto loan.700 in credit card debtOther fixed expenses come up to about 1000 a month.Should I cash out? Should I leave it all in there? Any advice would be appreciated. Ive never had more than like 2000 to my name.  <response>: talk to your family friend about their thoughts on XRP. Anybody with 30K invested in a cryptocurrency is gonna have a strong opinion I hope. Also there may be tax implications for cashing it out. The SEC considers cryptocurrencies securities. 