Is it bad to utilize the money in a revolving fund?
If so, why is the money there in the first place? Not to be under- or not-at-all utilized, yet not to be drained away needlessly.
You're not a container and cant be filled like a jug with water - you're a sponge in the ocean, the current flows through you. Even in doing closedown exercises after qigong or meditation...like a steak marinating, there's only so much of the marinade that will soak into the meat! Dont think of it as a zero sum game - just like healing somebody with your qi, you have to expend some to gain some. Of course it can be overdone, it is all about an appropriate level for you and you dont want to overdo it and deplete yourself, but dont worry about "using the energy in the container"
Use it, be natural, be logical and honest with yourself in assessing these things and you'll do allright.
Part of qigong is mindful intent, awareness. Meditation later in the day is always an excellent yin-component to yang-working out and sweating and such. Squeeze the sponge more firmly and it will soak up more (but not squeeze so hard as to destroy the sponge.)