There are two ways you can use your retirement funds: 1. You can start investing early. Proceeds from the investment get re-invested and what you generate gets reinvested again. That means as you add more and more money to your initial investment, you get richer not super-rich, but well . . . rich enough to live well after you retire. 2. Stash your money in a bank and earn a little compound interest. It's safer but you once you retire you'll have to start thinking abut investing or maybe possibly blow away all your money and end up on the street. How do you your stuff?