First of all, I can answer your question that no one can tell you that you should spend or sell 60% of your bitcoin savings because it is your money.

Let's just assume that I am the one who has bitcoin holdings, and there are things that we should know ourselves why we are saving bitcoin. Most people also know that bitcoin is really good for long-term holdings.

if you think you need money because you have an emergency and you only have bitcoin to use in this emergency, of course, the answer is only you who knows, not us. But if it's because you see that you have an income and it's big for you, it's still yours and I can say that you have nothing to lose either.