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.
Everyone surely do have a way they perceive things or how they want to do things. I like your strategy though and it can work for someone who rely totally on bitcoin earning. I have been saving up for a while with the huge hope that what I have will amount to something. That does not mean that I do not still earn salaries in fiat cause any way cash flows in now including bitcoin is just very much important.