One of the key reasons that BTC has been decreasing in value this year is because the $20K ATH from last year was almost certainly manipulated by Tether in a heavy way. This is a pretty deep rabbit hole that goes back a number of years, but you can read about some of the story here: https://cryptoslate.com/bitcoin-price-ma...tc-demand/. Anyway, it is depressing to look back and see how much money you would have had if you just kept holding, but nobody knows the future and it is often the better decision to play it safe if you cannot afford to risk losing the money whilst holding.