HODLing is a psychological battle with yourself. How much pain and scorn can you handle from the normie world? What is your pain tolerance for sustaining your HODLer conviction through big 50% or even 80% drawdowns? 

Are you willing to think independently and ignore TradFi influencers who preach about being allocated to govt bonds or stock indexes or trying to be a property mogul? 

If you do it correctly, you are richly rewarded for HODLing over time - both financially and mentally. If you do it poorly, you risk selling during the drawdowns or hard times.