I had originally planned on selling when the value of my holdings was high enough to pay off my debt.

But after seeing just how stupid the treasury is with them talking about minting a "1 trillion dollar coin" with a straight face I now realize FIAT is something I never want to hold. They will continue to reduce the value of my debt through inflation so there is no need to pay it off any way. As someone who wants to set aside some of what I earn for later in life Bitcoin gives me hope in what would otherwise be a hopeless situation.