Yup you are right on with all of this, I just paid off my smallest credit card yesterday in fact! Next step is to send my dad a few hundred bucks and then I am going to hammer at the bigger credit card debt as hard as I can.

I think diversifying into crypto holdings is gonna be step 2 immediately after I pay off all the debts, I'll switch all those debt payments into long-term investments (and then: to the moon)