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There is no right answer for this.
It depends on how much risk you want to take.

What risk? Risk of selling and missed btc gain ?

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If you want the btc gains, sell your house and invest it in btc.
Live in a box.

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So I can see I can do both keep the bitcoin and over time the debt will be minimised in comparison to my stack provided I can maintain payments and try and pay it out with fiat and keep the honey pot growing to the side

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