I admit I cashed out most of my rewards which i used to help pay off my college loans. I regret it now, but I only have about 10k loans left out of 50k and that is thanks to steemit. I will never forget what steemit has given me.
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You shouldn't feel too bad. Being debt free soon is amazing and will enable you to make future investments with ease of mind.
You could have bought some useless stuff, now that would feel horrible.
We are all lucky to be here right now. Who knows what future has in store for steem and crypto overall.