Completely depends on what you value etc. Ie - If owning a home is more value to your family, then having it fall relative to Bitcoin is okay. (As long as you understand the trade off). Same with every purchase and also why I spend Bitcoin today (and replace) even though I know the purchasing power of it will increase over time.  Maybe more simply - live your best life knowing the trade offs and you’re not taking it with you.  How much fiat is “needed” to live your best life is largely emergent system of manipulation today.  Hope that helps! 

 > spend Bitcoin today (and replace)

more need to do this. 

 Yes it does help.  Thank you.  I’m getting there to spending some and earning some.  I feel like toddler again…  learning how to walk.  It upends the consumer mindset typical here in the West.  Going to be a wild ride