Right now, a lot of BTC holders are waiting upon the duration after the expected halving to withdraw their asset. The price now makes it a very hot asset to buy and more investors will be hoping more persons sell their assets inorder for them to acquire it chesper and sell after the halving and during the bull seasons that follows.

Since you would still sell instead of to hold fiat currency in the bank,, the discipline you OP have to maintain this investment style can make you more money and a millionaire if the HODLing is maintained on a decentralized wallet for a during after 5years.