Sats should always be used to purchase things that help you accumulate more sats. That can be a home, it can be a social life, it can be basic necessities, it can be a commercial investment. Beyond that, if all you can do is keep the sats that you have then do that and lean into the grind.

At a certain point in life you will not be able to accumulate sats nor keep the ones you have, and that is when you draw down.

If you draw down to pay for a holiday before you have a family then you're missing out.