If I earn 10 btc I will hold it for a good price rise and if you give me 10 btc I will convert it to fiat and will buy a new car as in our country we can buy a medium range car for that amount.
I would put it away safe and secure, in a cold wallet that is completely offline such as a paper wallet. I wouldn't want hackers trying to access my bitcoins, that's my first priority. Keeping my bitcoins safe. I will simply hold those coins till I need them for an emergency, or when I think is a good time to liquidate them. I believe in bitcoin's role as a currency, and as an asset that allows you a store of value.