talk some sense into me bitcoiners!

Somebody instill some sanity in me please. I promise this isn't a shitpost. I feel like I'm irresponsibly overextended with regard to my bitcoin exposure. Perhaps there are others like me.

I have daily stress obsessing about my family's debt load that will take at least 5 years and nearly 20k interest to clear it, barring unforeseen circumstances making it take even longer. (none of the debt was used to buy BTC, in fact my holdings pre-date the debt). I can "afford" the debt in so far as making payments while filling all my families daily needs, but it's debt that's costing money and I don't like it. It's risk.

I have nearly 100k BTC price exposure inside a Roth IRA in the ETFs (I bought a week after they launched with money already inside the IRA, including a bunch of GBTC which I converted to FBIT) which I intend to leave there.

My dilemma - I have enough BTC in cold storage (all in profit) such that if I sold 98% of it, I could (after taxes) wipe the debt load completely, today.

My family has no concept of BTC cold storage and if something were to happen to me today, it would go to the grave with with me (but they would be fine as there is plenty of life insurance)

It seems completely irrational in the real world to hold onto the bitcoin at this time rather than making a profound real world change today by clearing the debt and eliminating the constant stress it creates for me. I'm sure any and all rational human beings I were to ask outside the innerwebs would say the same.

But this voice inside me keeps telling me to HODL since it could go so much higher this year. I tell myself things like "I could wait till maybe Fall and clear the debt when I could do so by only selling half, or a quarter of it!" .. But it could also not go higher, or worse, tank, and the stress would be amplified.

Regardless, without debt I could always buy back in.. I'm not convinced I would though given the ETFs, all that tax free price exposure I'll enjoy in the US fiat system that I don't believe will actually disappear at least in my lifetime, and despite having generally called myself a maxi who liked to say not your keys not your coins". It's almost like I'm facing an existential crisis in my thinking as relates to Bitcoin for reasons of my own doing. And it feels moronic. If I were to post this in any of the personal finance or financial planning subs, they would all call me a moron and tell me to sell today.

Talk some sense into me please fellow bitcoiners :)