<prompt> Human: Ive saved 15,000 over this year and have put it all into index funds. Ive seen the pot rise and drop and its great to see my money making money for me.At what point though, do you take it out? Am I just supposed to save and save and never withdraw? I think Id feel guilty if I took some out because Id lose out on future interest... Im sure this has to be a thing? Im 23muk by the way and in a very good financial position where Im hoping to continue saving like this for the rest of my life. I just cant find any info on when people decide to start using their interest to pay their bills or buy a car etc.  <response>: First off, congrats on asking this question, and also on being in the position youre in.As for what to do with your money, consider what will make you happiest. Early retirement? Traveling more? Spending more time with family, or doing activities you enjoy, or eating out more? Maybe a bigger house, a new car?Consider what would make you happy, then plan out your finances to get you there.Personally, I want to retire early, so once I get to where I can retire and live similar to my current lifestyle, Ill move my money more toward stable investments, and take out a salary from there each year.If you dont mind working longer, take it out when you want things that will make you happy. Youll need a car eventually, so take out the money for a car when you need it or get a loan, and save enough in a savings account to pay the down payment, then pay off the loan with your income each paycheck. Really, what you do with it is up to you : 