The rule is to always have enough fiat to pay for your expenses. The rest can be in Bitcoin because you don't need to sell it.

Now the price is pumping, you might think, "Wow it's worth so much, I can buy something nice with it." But that's not what you've saved your money for.

Saving money buys you years and decades and generations and ancestry. Don't give that up for short term pleasures. If you spend your Bitcoin, let it be in an investment of equal value.