I'd probably put half in Ardor then the rest in a few other alt coins and do some commodity trading.
maybe I'd be pretty confused to split my money to save, invest and grow money. the need for a solid plan to divide your money appropriately.
get a plan. it is the number one option if you want to grow your bitcoin.
currently I have a good job. and earning good amount of money. so If I get 10 BTC somewhere I would difinately add them to my saving as I don't need to spend them.
Yeah if fiat is taking care of your expenses then there is no need to spend bitcoins, and that can be saved for the future as its worth will be much more in future giving higher profits.