I finally have the income to clear my IRS and California tax debts in the next two years, but I’m terrified of a sudden lien or bank levy affecting my family. Is it better to pay everything off quickly or to create payment plans and negotiate penalties for better cash flow?

I am using stablecoins for holding values, and I have heard about this new GENIUS Act. I have no clue about why the U.S. passed this act and how it could be beneficial for me.