Should I sell?

In September of 2019 I began to track the declining value of bitcoin. I had always wanted to get in on it and I had the opportunity to very early on but didn’t.

I was extremely confident the value would shoot back up. At the time I had roughly $100k in my 401(K). My wife and I decided to take a “loan” against my 401(K) for $25,000 and and in November 2019 I invested that into Bitcoin, I’ve since repaid my 401(k).

Now in 2026 that $25k investment is worth $400k!!! Should I sell?

Our financial situation is stable, we owe $110k on our home that is worth $300k so if we were to sell we would profit around $160k after closing. We have been wanting to build a new home on the 20 acres of property we own however, with interest rates we don’t want to take a loan. Our home is a 2.9% and even with great credit we are looking at a 5.8%.

Our building estimate is $410k so even if we put the entire $160k down from the house sale we would need to finance $250k which by itself is not a big deal. At our current 2.9% our payment would be $1,457 but at 5.8% it would be $1,900 and there’s just no way to financially justify that.

However if we sold our bitcoin we would net around $340k or so after taxes. That along with our home sale would give us $500k allowing us to build our home outright without financing and still leave a little bit of money in our pocket….

So what do you all think we should do?