Wanting some opinions because I know it could be pretty divided.

When I was in the fifth grade, my grandmother (dads mom) passed away. She left us some money, which my parents used incredibly wisely.

They started school funds for my two brothers and I, and invested the rest.

We each started out with $20,000 in our accounts, specifically for college. Im now 22, and my account has grown to just about $40,000.

I am so insanely grateful and blessed that my parents set us up for success in this way.

I have yet to attend any schooling past high school. I am definitely open to the idea of attending college some day, but know for a fact that it will never be a four year university. My main interest would be cosmetology possibly?

Anyways. My fiancé and I are in the process of buying a home, and plan to renovate it over the next few months leading up to our wedding in May.

I would use the money I take out (maybe 5-$7000) to help with projects, furnishings, and just the basic things necessary to start up our home. I guess my reasoning behind this seeming okay to me would be that I just took a different path in life. My brothers jumped into college and their careers and I found my fiancé and had my daughter, and want to work towards making a life/home for us. College may just come later in life for me. But I don’t want this suggestion to come as a slap to the face for my parents who put it aside for me.

If I get to a point and choose to not use my money at all, I plan to transfer it into my daughters name and it will grow until she’s 18. She’d be SET.

How would you feel about this situation?

(I know the $ would have penalties and taxes removed)