Dude I'm close to paying off my mortgage!!! my only two concerns are:
* When do I take my profits. (at one point I must take some profits, I haven't ever since I started mining and buying I haven't sold a single BTC)!
* How to avoid getting taxed like crazy when I transfer fiat back to my account.
I'm in the same boat as you (except I'm lucky to not have any debt). What I'm going to do is lighten up the load by 10% when that is enough to recoup my initial investment. My mean buy price is $20 so there's still a bit to go. Then I'll make my next game plan.
When doing my first investment at the turn of the year, I decided that I will hold for 1yr and see where we are at that point and make plans accordingly, unless there's a big change in fundamentals that shakes my beliefin bitcoin. I also made half-jokingly a plan that if the value increases tenfold, I will cash out my initial investment because the hit to my BTC portfolio will be relatively small for the gains I get in fiat in that point.
Sure, if btc goes up another 10x I only get a 9x growth at that point, but hey - you can't have your cake and eat it too.
I know you might already be beyond the 10x threshold, but I feel like mine is a solid plan. I'll invest the cashed out portion to some more stable instruments.