maybe what carl means, is to use the remaining fiat that still exists to finance life / daily needs, which is basically how to avoid selling the stored bitcoin at all.
we imagine paying for our daily needs from "borrowing" the bitcoins we previously bought, when in fact we are paying from the remaining fiat that we have not converted into bitcoin.
I’ve heard that wealthy individuals borrow from their assets and pay little to no taxes. IE a 401k loan has much different tax implications compared to income.