The hardest part of a crypto-windfall is deciding at what point you divest and having some type of plan for doing so.

True story - I bought several thousand ETH in the ICO for next to nothing. Sold them all at about $12 to buy STEEM and other investments. The decision was considered and rational: I had booked an excellent ROI, the ETC fork had just happened and the future of ETH was in doubt and most importantly - I could no longer see a compelling reason to stay invested in a platform that is not seeing significant adoption and is rapidly becoming irrelevant.

Despite the 100x bump in wealth, had I hodl, six months later I would have been a millionaire.

BTC will go to $100k in <5 years. Lesson learned from ETH experience: I will sell 20% at $10k/BTC, 20% at $50k/BTC and 20% at $100k/BTC. The proceeds will go in to a variety of traditional investments (debt, equities, metals etc.) for diversification and income. At this point the capital should be earning enough income to pay the bills.

As for the 40% left over, who knows. Some for the kids/grandkids, some for fun, some for reinvestment, some for holding to $1M/BTC.

The point is to have a plan for when, not if, your crypto wealth shoots up 100x. Cause the train has left the station and everyone currently on board is going to be wealthy. Those that thrive with the wealth are the ones with a plan.