Honest question for people that hold thousands of moons

I've been in this sub a long time so I've been thinking about this for quite a while.

How do you guys actively hold $100+ or $1000+ worth of moons? Maybe it's just me but I would be ecstatic if I had that and would be spending them.

Do you guys have enough invested that it's just not needed? Or are you guys just holding until the price increases?

Edit: holy shit I expected I've 5 - 10 replies. Not over 100 lol.

Edit 2: I'm trying to reply to as many people as I can. And I appreciate all of you guys, amd girls, for replying! This had way more attention than I thought it would.