You only get the money if you sell. The only reason I have "valuable" bitcoins is because I didn't sell the last 3 times it reached new highs. I'll probably die never having sold any.
I had the plan that I would pay off my mortgage with bitcoin. It has the beauty that at some point the two values will intersect, although it may be when I have a week left on my mortgage.
so, is @hippy rich or not?