I tried to not have one....but with good deals and prices going up, I decided to create more of one so that I can sew from my stash. I also am wanting to do some scrappy quilts and that is hard to do with no stash.
But most of the fabric I have gotten, I have specific uses for. I make quilts for different people in my family and some is going to those. Others is enough for a quilt, just hasn't got a pattern to go with yet.