Create a financial plan. Accumulate enough so you don't have to sell all of it. What that amount should be I could not tell you. Anyone who tells you to hoard at the cost of something that can improve your life is a fucking moron. If we are not doing this to improve our situation then we should just accumulate and delete the private keys for good.

Recognize the cyclical nature of Bitcoin. What do whales do in the cycles? They sell during those "life changing" moments to fund their life style. When Bitcoin cycles low during the 1-2 years leading up to the next halving they are accumulating off the funds they sold to sustain their lifestyle. On chain analytics is powerful. We can know the exact behavior of the entire network at any time of day. You can see fund flows and everything. You can know in real time what everyone is doing. This isn't some magic "technical analysis". This is real data analytics of a system and its network.

Do as whales do. If all you do is hold you do yourself a disservice but a service to other people. If anyone is telling you that you should only hold they are telling you this out of their own self interest. Do not listen. Whales are not doing this. Do with Bitcoin what you will. It is absurd people try to dictate to you how you should use it.