For me if I have lot of bitcoin I should save it. Save the 75% for the future and use it to achieve my goals and use the 20% for my daily needs, to pay the bills, and for that other financial problem. Use the other 5% for fun and relaxing.
If I have a lot of bitcoin then definintly I have more option, I will spend some bitcoin and will also save a lot of it, because I am sure about the price of bitcoin that it will continue increasing for a long long time.