The answer would really depend on you because not all people do have the same situation as yours and in fact its been always part of our life on having that kind of emergency situation where we wont have any choice but to get some portion of our holdings.The question is, would you compromise your childs education because you just want to hold bitcoin? Would you sacrifice yourself on commuting because of that? Your choice if you do sacrifice but it isnt actually that bad to spend those coins we hold on.