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RE: I realized that most of my net worth is in crypto - Rich in crypto, poor IRL
Getting into mining in 2013 was brilliant or extremely lucky - either way doesn't matter. If it was me I would probably take a small portion now - maybe 10% - but only if I needed it to pay debts or bills or pay for something that would also appreciate in value (STEEM?). Otherwise I think your decision to HODL is the right one, and congratulations to you for unwittingly becoming richer than you could have imagined a few years ago.
Oh no, 10% of it really isn't that much money at all that it will do much for me right now. I could buy some fancy stuff or keep it in fiat but I don't need it. I think I'm doing the 'go big or go home' thing on this one!
Go big or go home...I like that!