Only issue I have with spending my bitcoin is the capital gains tax I have to pay. Any bitcoin I spend, I can buy back in my dca. The more bitcoin I spend, the more cash I have left at the end of the month to buy more bitcoin. So I can top up on even more Bitcoin if I have the money. So I can always hodl and spend my bitcoin at the same time. So I don't think hodl is the issue, it's the tax. The tax makes me stop and think do I really want to pay an extra 20% on what I'm buying.