The Moneyist: Should I use my $25,000 bonus to pay a $15,000 credit-card debt—or invest in blue chips?

Dear Moneyist,

I am 27 years old and a real estate agent in New York City. Lately, I have found myself really thinking about what to do with a sum of money that’s coming in to me from a couple of real estate closings next month.

For the past 2 years I have ramped up $15,000 in credit-card debt with an average of 20% APR. I will be collecting about $25,000 within the next 30 days. I’m debating whether to pay off my entire credit-card debt or invest it in blue chip stocks for the next 6 to 12 months, hoping to ramp up some profit.

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