This is strange OOM... You are at least a 2-3 year bitcoiner, no? 

You should have gotten your cashflow shit together by now, no?

I am not necessarily blaming you for both potential cashflow management issues and perhaps some feelings of necessity to draw more from your BTC holdings than what might be in your preferences, due to ongoing expenses.. anticipated and perhaps some expenses that are not so much anticipated.  But you know, even if expenses are not anticipated, ideally, there should always be some anticipated of the unanticipated.. and that is why many of the more insightful of long term investors strive to keep some balance in their monies which includes abilities to draw from a variety of funds, including NOT being so overinvested in any assets that the withdrawal would be at a time that is anything other than a  time of their own choosing....

and sure, I am not even going to proclaim that mistakes might not be made at various points, but maybe it might end up resulting in a need to withdraw 3% to 5% from some fund that was not of your choosing rather than your preferred 1% or less.. and of course, if you are getting into higher than5% forced withdrawals, then your level of "fuck up" is likely greater and in need of some reflection regarding how to deal and avoid such future "fuck uppenings."

By the way, this is a public post, so I am not necessarily referring to your exact situation, because not everyone is going to necessarily know or remember your backstory.. and even regulars in these here parts, including yours truly may well not remember too many details of that either.  I am just responding to some of the substantive issues that your post raises in regards to possible cashflow management issues that any of us could end up having depending on how we have played our cards including some of the risks that we have been taking with our BTC portfolio management.

Of course, you are not any kind of newbie in terms of both your cashflow management or even your BTC accumulation, and so I frequently have sympathies for folks who may run into cashflow issues, whether they are newbies to investing, newbies to BTC or even that any of us could get into various pickles along the way, even if we may well have a lot of cushion in the various investments that we hold.

So, in the end, if we end up having some expenses that go beyond what we had anticipated or planned and they all seem to come up at once, then we might be considering that there are some fucking issues with how far we are projecting our cashflow in advance and how many cashflow cushions that we have.  I recall that you have at least a family and a house, OOM, so that already probably justifies that you project your cashflow for a couple years in advance.

Personally, I had only been able to get away with 6 month projections when I was a lot younger (in my early 20s), but holy shit, I am thinking that even anyone who is investing into bitcoin may well have to be attempting to project cashflows 2 years in advance as a kind of bare minimum... but gosh tentatively considering the 4 year cycle might be o.k. too... even though maybe only the first couple of years would be projected with specifics and the later 2 years of the 4 year cycle might even be o.k. to just have a kind of ballpark idea.. especially if we are kind of considering (without locking in) what we are ballparkedly considering that our lillie fiend may well be doing during the next 4 years... and so for example, today if we ballparkedly consider what our lillie fiend may well be doing up until September 2025, then when we get to January 2022, we account for what happened between September 2021 until January 2022 in order to update our September 2025 to January 2026 general projections.