<prompt> Human: The trust fund is invested in stocks, real estate, bonds, etc., and is managed by the bank. The trust also pays you dividends quarterly that amount to 12k per year. Im not necessarily looking for advice, but Im curious to see how YOU would spendsave the trust andor the dividends. I can provide more details if necessary.  <response>: I would pretend it doesnt exist. If Im forced to take payouts from it, I would re-invest them. It is absolutely not enough money to last through retirement if the earnings are being siphoned off constantly. I know my advice would be difficult to follow at any age, particularly at that young age, but its the truth. The trust fund needs to grow at 3 per year just to tread water and keep the same purchasing power over time, due to inflation. By withdrawing 2.4 per year, even that is in jeopardy -- let alone growing the value of it at all. 