exchanging bitcoin for fiat may seem counterproductive but when bitcoin reaches 20k, I believe we will see a fair number of people start selling bitcoin to get back some profits.

I think that is not something to be ashamed about. As an investor (and believer in crypto), securing some gains while holding the rest of your bitcoin for even more gains is a shrewd move.

So do sell some and enjoy yourself. But keep most of it for the future!