But my plan is to always keep at least 20-25% of bitcoin
That's one thing that both JJG and I (me later, as I came later to the forum) have repeated countless times: never sell all your bitcoin. Especially now that it is truly proving to be the best asset you can have. If it continues, as it seems to, to appreciate over time as fiat currencies devalue, you will be able to make partial sales while maintaining a nice equity with the remaining bitcoin.