This is what I also experience right now, I don't have a lot of bitcoins at the moment, because i need cash for real life. One of my friends shared a picture how he can buy luxury items from hodl bitcoin, but I don't feel jealous because of that. Because our life needs are different. In the future, of course I want to have BTC savings that I might be able to give to pay for my children's schooling in the future or something else.