Can you please explain what you mean by exchange BTC in fiat money? kinda confused me and i never heard this term before either :/
fiat is legal money, like usd, euro, gbp, etc..., you can call them centralized money, bitcoin is decentralized money
don't exchange your precious btc for trash toilet paper, let it grow first and then use it directly in the future to buy anything
i would recommend to do the opposite, exchange toilet papaer(fiat money) that lose value every year to bitcoin, that is gaining value every year