It is best to leave money in your retirement accounts until you are ready to use it. This way, the money will be there when you need it and will also allow for more time for growth. Most financial advisors recommend leaving your funds untouched for at least five to seven years, but the length of time varies depending on the type of account you have (Roth IRA or traditional IRA). It's important not to make any decisions about withdrawing funds prematurely because this could affect your tax situation drastically. That's why it's always best to consult with a professional before making any rash decisions.