~2% is great if you're doing okay financially and have a good career. It's useless if you have any marketable skill that would benefit from spending what you can spare on tools or services. A pair of good mixing headphones in 2017 paid for itself by 2018. It would have only been an extra $2 in a savings account. That investment paid for a MIDI controller that came with Ableton Live Lite. That helped pay for an upgrade to Suite during a sale less than a year later.

All the money I spent on the controller and Suite upgrade would amount to barely $30 a year in savings interest. That's not going to help me with the tiny but still greater income built on those investments.