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Found a forgotten Bitcoin investment from 2015 worth ~$14k. Sell and invest elsewhere or hold?

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I'm 31, married, no debt myself, stable job, and unexpectedly discovered I still own about 0.219 BTC (~$14,000 today).

The backstory...In 2015 I bought about $117 worth of Bitcoin, sold part of it a few weeks later, and completely forgot about the remaining 0.219 BTC. Coinbase recently sent me an inactivity/unclaimed property notice, and when I logged in I discovered it's now worth around $14k.

At one point the holding was worth roughly $27k, but it's currently around $14k.

My financial situation:

  • Age 31
  • Married
  • No high-interest debt
  • Thinking about starting a family in the next few years

I honestly forgot this existed for more than a decade.

If I sell, I'd expect to owe capital gains taxes and net somewhere around $10k–11k after taxes.

My Q: If this were you, would you:

  1. Keep the Bitcoin?
  2. Sell all of it and invest elsewhere?
  3. Sell part and keep part?

And if you sold, where would you put the money?

  • Broad index fund (VTI/VTSAX/VOO)?
  • HYSA?
  • CD?
  • Something else?

please help!

submitted by /u/AdSpiritual3434
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