I have stash that I want to have as backup.
I have other separate stash that I use very often. I live on Bitcoin. I have income in Bitcoin and I spend it.
If I need fiat shitcoins I sell Bitcoin peer to peer for cash.
All my Bitcoins are NonKyc.
I don't use credit cards nor bank accounts. (I have them, I use them only in extreme emergency situations, when paying cash or in Bitcoin is not safe. I am not proud of it, but having a card a being able to pay with it abroad saved my ass few times.)
All Bitcoins I sell on streets are conjoined or swapped thought Lightning, Monero or at least fixedfloat or similar.
I pay with lightning a lot. There are eshops that supports that, for others I use Bitrefil or Coinsbee.
I hodl as much as I can. I don't want to sell my Bitcoins, I want to spend them. But I live normal life, and I spend sats nearly daily to live it.
I am not here for the Lambo, but Revolution. I am my own bank, I don't ask permission, I transct freely but hidden from praying eyes.
Bitcoin did not made me rich (hopefully in the future it will), but it made me free.