I do hope Steem will rise and my SP will gain value, but there are also purchases I want to make and I'd like to use my Steem for those to reduce pressure on the bank account. For now I'll use my SBD from posts for those. Maybe one day Steemit will help us pay off all our debts and free us from that commitment.
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You've already got a nice nest egg going too, so you can enjoy a little spending. If Steem gets up to $10 per token, even just with your current holdings you'll be a very happy dude.
I feel fortunate to have made this much, but it took a while. I hope my persistence pays off