I think we are really unrealistic, skeptical and faithful about cryptocurrencies.
Personally, I think Steemit value should go up and Bitcoin value should drop so I could invest my Steem in Bitcoin.
I am faithful that Steem price will go up and Bitcoin will go down.
I am skeptical to invest in Steem and Bitcoin, I think if I invest in any currency it will go down.
And I think if I invest my Steem in Bitcoin the price of Bitcoin will go up and I can earn huge profit.
All of these is completely unrealistic. I should invest my time and energy in learning various aspects of cryptocurrencies. Later on I would be in better position to manage my money.
What do you say @lukestokes?
You're asking a lot of important questions here.
No one can definitively say what any cryptocurrency will do in the future. Bitcoin has a huge network effect that will continue to increase its future value (I think). STEEM has inflation and a number of whales and bloggers who regularly cash out, possibly more so than miners do in POW systems. Some see STEEM as a way to get paid for blogging which can keep the supply on the markets higher than the demand (more on that here).
As for as managing your money, my first recommendation would be to get out of debt as quickly as possible. From there, learn about cryptocurrency and make decisions based on your understanding. I personally hold STEEM as Steem Power because I enjoy influence on this platform, and I believe in the long-term value here. Yes, there are other investments I could be making with higher short-term gain potential, but I balance that with the joy I get being a part of this community as a Steem Power holder.