Currently, I still don't have extensive and long experience regarding HODLing bitcoin. You could say I'm still new to HODLing bitcoin. However, from my recent experience, I can also conclude and feel that HODLing bitcoin is not an easy thing. Because what I feel when there is a decline or even an increase in the price of bitcoin, I always really want to sell the bitcoin that I have. However, I always remember the initial basis for deciding to invest in bitcoin. With this, I can better fight desires and fears when the market is not good.
The difference between an experienced bitconer and a newbie is knowing when to sell and when is the right time to buy back. Ok, I can say this is another way of hodling btc and at the same time increasing your bags.
There are people who don't mind hodling from one circle to another, others hodl seasonal, they can sell at the bull and re-buy back but with more btc than they previously owned. so it all depends on individual preference and your plan toward multiplying your btc.
Overall, I would say hodling btc through bull and bear is very tough irrespective of your financial status.