u/Authentic-Dasein

I’m 22M and have 12.5K in the following split: 46% XEQT, 26% VFV 25% BTC, rest in cash emergency fund. Assuming I sell of BTC after a few years (not planning on contributing more, avg cost ~105K and bought mostly so I have a foothold in crypto for a few years) and do a 70/30 XEQT/VFV split, what is the math behind retiring at, say, 55?

Even at a somewhat conservative 8% post-inflation growth rate, over 28 years is 20K enough to contribute yearly to safely retire at 4% fire by that age? Is there something better to be buying if that’s my time-horizon? Assuming I increase contributions (say 30K/year by age 30, 40K/year by 40) can I FIRE earlier? Thanks.

Since re-reading SZ I’ve come to interpret Heidegger as essentially proposing an existential voluntarism, albeit one that is implied and perhaps accidental at times.

For Heidegger, care grounds all aspects of Dasein (for Dasein is care). But in care we find Dasein able to choose possibilities (this or that possibility) but also choose, first, its own authenticity (to-be authentic or not).

The choice to-be authentic is the first choice Dasein makes before all others. And Dasein has already made this decision, often to the detriment of its own primordiality.

I think this is typified in the authentic moment-of-vision when Dasein chooses to accept its own finitude before death (future), its own thrownness into that finitude (past, or having-been), and can then decide what to pursue in its moment-of-vision (present).

I believe this is Heidegger at his most Nietzschean, and also why he chose to turn [kehre] away from SZ. He thought he was still too subjective, and too technological. Yet I can’t help but sympathize with this voluntarism of Heidegger. Obviously this isn’t a voluntarism of “free will vs. determinism” as these are both metaphysical categories, relegated to the present-at-hand interpretation of Dasein. But the existential ground of these, to me, certainly seems to be Dasein’s “will” understood in relation to authenticity.

Do you a) agree with my interpretation of SZ, and b) agree that this is what Dasein is, or do you lean towards the late-Heidegger’s critique of technological thinking, and find this reading is still a remnant of that thought.

I’m 22 (turning 23 end of this year) and currently have ~$8000 saved in my TFSA/Crypto exchange: $4200 XEQT, $1400 VFV, $2200 BTC. I bought crypto beginning of this year (DCA: 125K) so I’m technically down on it, but haven’t sold and my ETFs have just about equaled any loss I would’ve taken (currently +$50 as of today’s market).

Is there anything else I should be doing apart from investing ~$1200/month. My job is part time at a Big 5 bank as a teller making ~$16K starting salary (but closer to $25K as I work more than minimum hours, plus bonus of ~6%). I’m almost done my probation so will start the company share match where they match 50% of any contribution up to 6% of your salary.

I want to move on to full time once I’m done my probationary period. Ill start applying for a new job middle of summer, aiming for an internal job around Sep or external a bit later.

I currently live at home and don’t pay any bills apart from spotify and my apple icloud. So expenses wise I’m only buying food to go out or the odd purchase for a gift, etc.

I wanted to ask 2 questions. 1) should I sell my BTC at a loss and then move the funds from my exchange to my TFSA and buy a BTC ETF? Does that make sense for tax purposes? 2) Should I be saving more? Of my post-tax income of ~$7800 I’ve saved $5400 since December.

Thanks, any advice is appreciated!