Keep accumulating if you can. Only spend what you can. BTC is still undervalued so far and a lot still believe with it's potential, but it hasn't really reached the point where people need to own one. Currently, the system of fiat is still ongoing and even though economic problems are going off here and there like how the global debt has increased by so much, the fiat still goes on. You can take it as the world is letting BTC develop and grow slowly so that once it takes the stage, the world would be able to use it much more efficiently compared to Fiat.
In our society, we need to be wise in our decisions. We should think very carefully before we take our actions. We should keep our money instead of losing it and use it in such a very unimportant matters and things. Spend what you will need and what we should think migjt be helpful in our everyday living.
I think having 100 bitcoins is enough. You might ask why this number. Bitcoin has increased these prices in 10 years. I think that 10 years later, it could increase 10 times its price. In this case 100 bitcoin would be enough in my opinion.
Number does not matter anyway for me because as long as you earn money, you can still have a chance to have it but be careful on how you will spend and use it. Have a plenty of bitcoin is good but for me, atleast i have some for my everyday financial and everyday living, it is better for me.