RE: What's Your Highest?
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You'll never want to buy anything with your crypto because as soon as you do you lock in that price... and if it keeps going up then you overpaid.
I have some pretty extreme versions of this happening, where in less than 48 hours, people have paid 3x what they would have had they waited. But, I think with these things it is the "am I happy to pay this now?" question.
I think my general process is to accumulate what can I afford to (in either monetary terms or time) while still earning fiat... and then eventually if/when I retire I'm able to keep myself alive with my crypto bags, savings, investments and super.
This has been my process up to now, hoping that the When I retire bit is possible then. However, with recent events, I am also thinking that it might be worth taking a bit and clearing debt, then living a normal fiat life, pushing more into crypto as possible.
At some point, most businesses will be building with a foot in each, so there are new opportunities for investments too.
Yeah, I remember a guy on Steem who sold a bunch and bought a van... and then was annoyed a year or so later because the price was so much higher... but... sometimes its hard to put a price on the opportunities that purchase provided, was his life/business improved by having his own van? A question only he can answer, but price shouldn't be the only factor.
Honestly, I'm all for clearing debt as early as possible... it's not just the accumulating interest, but peace of mind and additional opportunities are also important, especially in times of uncertain futures (recession, interest rate rises, extreme weather events, etc).
Maybe when using some tokens to buy that have taken effort to earn, we think about what we are going to spend them on more. Perhaps we make better buying decisions?