When bitcoin hit $10k, I panicked and sold off the majority of my holdings. To protect myself from myself, I immediately put that money into a trust that I can't access until I'm 62. It was more money than I had ever seen, and I was afraid I'd blow it all, so that's what I did to protect myself.

I put the remaining bitcoin into cold storage, and purposely only maintain a watching-only wallet so I can see it, and remind myself of what I have when the time comes.

I earn my living, and live modestly within my means. Having a normal day-to-day life is necessary for me to continue working and living this way. If I started spending now, it would be very difficult to convince myself to continue working. It would basically drive me into early retirement, and that's just not what I want for myself right now.

Ive got the trust, and the cold wallet to fund my retirement, and the paycheck to fund my day-to-day life. There's a balance that works for me, and knowing my character and nature, it needs to be this way if I'm going retire happy and fulfilled, and not feel like I wasted my life enjoying all the trappings of luxury. Right now, I don't want to the person I will be when I retire.

Thats the best way I can describe the situation, and explain why I'm not spending it all now.