Usually convert XMR into something else like LTC or BTC, and with that, you have more options. You can even buy gold bullion with it. Once you have a more mainstream crypto, you can find someone selling something in crypto, like a boat or a car or whatever, and then buy it from them to treat them as your fence, and with the KYC from that transaction, resell the thing for cash; then deposit clean cash. You might be able to buy art or perishable goods, but it might be better to buy a service, something plausible but still intangible such as professional advice or training, but then your emptor needs to be in on it, and hand you your cash minus their commission. The magic number is about $5,000 for bank flags, and about $10,000 for customs.
Short answer: You don't!
Long Answer: You'll have to launder it and come up with a convincing explaination for such a (supposedly suspiciously large compared to your regular financial habits) deposit.
We at OnionCard do offer cards that are non-KYC and reloadable via XMR, so you can spend your Monero retail and widthdraw cash on an ATM.
Doesn't mean you gotta have to stay within your income and tax bracket: If you buy yourself a car cash that you could not have afforded through your official and legal income, that's literally begging to get a visit by the IRS & Secret Service amidst tax fraud and money laundering!
Cuz you can't just nilly-willy get an anonymous prepaid cc (and I mean real plastic) w/o KYC that is in a useful limits range...
- Which is why I explicitly tell them: Don't do that FFS!