I guess it depends on what you want more. Fiat, to live and pay bills.  Crypto, to HODL or trade.  I think a good rule would be learn about whatever you have, watch the market and try to sell half high.  Maybe even buy back in low later too.  Thats how i would play it at least.  I can definitely see the other side though just sell and take the cash...well coin...then to coin then to cash.