XEQT is nice because if it does go to zero, nothing else matters.

I’m 19 and have about 5k in XEQT and <300 in VFV and VEQT. I basically put every dollar that I don’t intend to spend within my budget into XEQT. Even if everything goes to hell before I can reap my rewards, it won’t matter because money around the world isn’t worth anything either. Best case, I’ll have millions when I’m 50, worst case I’m in as much shit as everybody else and this brings me peace.