No. 
When you say "holding" your mind goes to the moment you consider selling it for more fiat.
Let's go back to the old "savings" word. 
Holding is coming from wall street jargon... you catch it?

Do you consider hodling a type of saving? 

Satosora

You earn it.
THAT IS THE MOST IMPORTANT.

Once you start earn it, you will see how easy is to use it/ spend it.
You hold only what you consider "savings". As it should be after YOU SPEND WISELY those sats.
Nowadays people forgot what is SAVINGS. They focus only on consuming. And that is bringing them to fiat debt spiral...

DarthCoin

ChrisS

bitcoin_beginners

Questions about your cold wallets rotation

Darth, l have a question for you. 
Do you think it is more important to hold btc, or to use it? 