Thanks so much!! The "coffee cost me $10,350 x years ago" viewpoint never made sense to me.

If you see it that way you also must consider every spare dollar lying around at your bank account you didn't invest in Bitcoin at that time. The $100 you didn't invest would be worth $100,000 now too. Not converting it to Bitcoin did cost you 999,900$.

In conclusion, if you are absolutely sure Bitcoin will rise in value it doesn't make sense to even hold any fiat money. Just holding fiat money will cost you regardless. And if you don't hold fiat you have to pay with Bitcoin. It makes no difference.