Am I doing this right?

So, I now own a detached home with my parents 50/50. They’re currently living upstairs with me and my wife and newborn child (have been doing this since they moved down from up north into my condo which we sold in Feb.)

Anyways, I’ve been dumping $100 a week into my crypto account (initially Coinbase, but now all into a TFSA in WealthSimple, via Canadian ETFs).

My concern is twofold. Obviously we have a mortgage ($992,000 CDN, of which we’re splitting 80% me, 20% my parents) at 4.19% annually.

But, I’ve also got debt to the tune of $20,000 at 4.95% on an LOC which I’m likely about to increase to help fund the renovations and a trip to Japan.

My job and my wife’s are secure and we make barely enough to pay for everything.

And, by my calculations, if everything performs as it did last year, my investments will make double what my debts cost me interest.

So, I shouldn’t sell my crypto to pay off those debts.

It’s a risk, everything COULD tank, but given that I can afford both the interest payments and the DCA into my crypto and all my other bills, I’m thinking stay the course… right?