At the current price, I would use at most 50% for paying for accreditation courses and setting up a business for energy and water efficiency auditing. The rest I would keep for quite some time.
It is probably better though if you try to keep it a little bit more for now because apparently, the price is going up and you wouldn't want to miss that up in value, especially when that's 50% of what you can possible gain from the hype.
Yeah holding can give us best returns at the time of halving, so its better not to experiment with coin right now and keep it safe for the halving.