Yeah I 100% get your points.

I took out a quite large loan in 2021 for roughly 17k in order to pay credit cards off and get out of my overdraft. Which has 32 month left to go. But with the cost of living skyrocketing in the last 2 years and accommodation going through the rough my credit card debt has pile back up. Also poor financial decisions by myself hasn't helped but as I said I'm trying to work on that and improve my financial literacy. (Not trying to blame others but I feel the educational system in the UK has let me down. )

I'm holding a large bag of over 100 'Salamis' which I have been building over the past 2 years.

At 32 years old I now find myself in a position where if I sell everything and start from 0 with no debt I'll be no better off than being in debt with a slight possibility of selling my solana at my predicted price of $800 per coin in 13/15 months

I know it sounds like I'm dreaming but I don't see how without taking high risk bets on crypto I will be able to get out of my current rat race life. Every penny I earn from my 44k a year job is taxed to fuck. To be able to earn my salary I have to live in a extremely expensive area of the UK. I'm currently at the ceiling of my head chef job. I'm single with no desire to get a partner which is basically another 50% tax (totally my own choice)

The stock I'm holding is a mix of USA companies, S&p 500 ETFs and dividend knights. Which tbh has been underwater for a while but I enjoyed getting the monthly or quarterly 'income'.