When I really need money of course I will sell everything I have even with low price or loss. this is because selling when panic position then there is no long consideration.
But this is the issue if think you are going to be in a bad position in the future then it is better to sell your stuff with time that way you are not going to be forced to sell for a bad price, I know that it can be difficult to foresee some situations like a family member getting sick but we must do our best so we avoid to be in that situation.