Opening an interest-bearing account is a form of investment. Deciding on opening it means that you are a business minded person. A business person knows how to leverage their income. In leverage income, there are 2 sides: linear income and residue income. Linear income means you work to get paid while in residue income, your money works for you. There's nothing wrong with both sides except the time and effort exerted to get an income. Sacrifice is one of the important keys to have residual income even in linear but if the goal is to have a better future, then sacrifice is one big obstacle to overcome.