if you ask why we are holding back for a long time, of course we are waiting for the opportunity to get a big profit. well, at the moment I'm holding back bitcoin, eth, and some other assets. I will exchange it when I need money, but for now, I don't need it, so I hold it in my wallet.
What if you need money when the price of the coins you hold is bad? holding for the long term must be separated from money for your daily needs, so that the coins that you hold can last for a long time according to your target, btw I save bitcoin of course, XRP and stellar