May I ask what the debt is for and what the interest rate is? Not all debt is bad and 15K is really not that much money. It would take one small surge in crypto and you could have more than enough to pay that off and then some. I've seen it happen. I know that debt can be financially and emotionally crippling and I understand why you might not want to have it but you might be cutting your nose off to spite your face right now. I'm not saying to stop making payments but there is real money being made in crypto and you could potentially earn enough to make that debt disappear overnight. It sounds like a pipe dream but I personally know people who have done this and seen the surges in my own wallet.
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I dont want to put a bunch of money into high risk investments instead of paying off my debt, that seems like a bad idea. I already have 1000 steem tokens which is plenty of investment for now.
Like you definitely could put a bunch of money into crypto and hope that it pays off, but, thats just not my strategy. Paying off $15,000 doesnt need to be a lottery, I'd rather pay it off with a slower and steadier approach. It sounds smart to just ride the "inevitable" crypto wave, but in my experience, this does not work.
Understood. I lived for many years with lingering debt that caused me a lot of anxiety. My interest rates were high and my credit was lousy. But I got out. Being free of debt is the greatest feeling and I certainly don't want to detract from your efforts. I'm not even saying invest money in crypto. Just keep doing what you are doing and maybe this summer when Steem goes crazy you will be able to wipe that sucker out.