Of course, there can be a balancing between investing and consumption, and none of us can tell anyone else the extent to which they might want to balance their consumption in order that their investment might have longer term and better benefits than merely achieving a diversion of the investment into consumption.. yet those are still individual decision that might not end up being well-thought out. Frequently guys who have difficulties deferring gratification will have troubles building wealth, so yeah, it can be difficult to decide for someone else.
Another thing is that some guys also will end up overly deferring their consumption, so maybe they either do not end up consuming or they might die with their wealth or otherwise become prejudiced by the passing of time so that they are no longer able to consume as they had anticipated that they would be able to accomplish.
The truth is that a real dedicated bitcoin investor who's basic source of income is still running would never want to engage in giving off any part of their investments. This also has it's own implications which ranges from people loosing vital things while avoiding to sell off their bitcoin stash to people dying off and loosing all their investments due to the fact that only them could access their wallets. Every human actions comes with its own pros, It still doesn't justify selling off your bitcoin stash for selling sake.
Others that diversify their investments into some possible investments like real estate or probably shitcoins and altcoins also loose most of their assets at the event of their death or loss of account vital information. I would say that since no one could possibly predict his fate, then it's with you allow your investments until retirement or you accommodate a next of kin that would possibly have access to your wallet in such case.