There is not 1 approach for all Personally, I am ~100% #bitcoin and have been for years Using it as a highly-liquid savings account is amazing because you can get fiat conversion, in your bank account SAME DAY Therefore my thought is KISS, and just use it like a savings account and liquidate whenever you need it (always as a last resort) Being 100% bitcoin allows you to remove the market timing worry and remove speculation from your playbook. Actually I still speculate in terms of simply increasing my spending frequency during peaks/runs of the bull market. No stress at all!