Withdrawal can become a habit. Once you develop the habit of withdrawing either fiat or converting your crypto holding to local currency for use, It almost becomes so difficult to break.
Needs and wants/problems to solve with money never stop arising, how do you handle your withdrawal? Be sincere, considering that local currency is becoming less of value as the cost of things are constantly rising now, so much that the cost price today is not the cost price tomorrow. Is a budget still effective in your opinion?
One of the big problems of people of today is that many cannot differentiate between a need and a want, when a new smartphone comes out they want to buy it thinking of it as a need as they need to keep themselves communicated, but why get rid of the phone you have in your pocket which can do 95% of the things the new phone can do and you do not have to spend any more money in it? So that is the first step to begin to reduce your expenses so you can begin to budget your income in a more efficient way so you can keep most of your coins and you can benefit from the bull market that is coming.