As long as you pick solid coins/projects that you have thoroughly researched, understand, and have done your due diligence on, use dollar-cost-averaging, and use sound risk management strategies, HODL all the way!
But, before you do that though, you need to make sure you have sound financial basis in all areas of your life (crypto is one of the riskiest investments out there). We think this article might help a bit on everyone's way to HODL: https://steemit.com/cryptocurrency/@ledger256/before-crypto-part-1-f-i-r-e
Appreciate that. Oh and I agree. Never spend more than you can afford to lose!