I bought 3 btc on credit for 19k about. What should I do? I am way underwater.
If you are asking me then i would tell you to hold because if you sell that now, you are a loser. There is a big possibility that bitcoin price will pump to $25k this end of the year but we never know yet until we are there.
Or you have an option to invest in ICOs if you want. Try to look for promising projects out there and invest your btc. It is risky though but if you hit the jackpot then your coin will double or even 10x in return.
Don't give some unrealistic figure on him so that he will not rely on it for long time staking, but I will just convince him what you advice and i will give him some clear words that he could possibly earn by this year a good profit if he choose to hold his bitcoins for long time. But if he dumps it he will cry for doing it since bitcoins is rising unexpectedly.