Paper money ≠ real money If you make life changing money, change your life. A funny thing about financial bubbles is that in those periods people usually spend lavishly. Not because they are cashing out of their risky investments, but rather because they are spending what little real money they have. On average people emerge worse off at the end of the bubble than they were when it started, and also get themselves a dread of not cashing out that will carry with them for the rest of their lives. You may roundtrip as quickly as you made your gains. Bull market joy is was temporary, sadness is forever. Bad R/R. Cash out a bit. You probably won't regret it.