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To make money work for you, you should invest. You can use your hard-earned money to earn passive income. If you keep your savings in a bank account, the interest can only buy peanuts. The responsibility is on you, not the bank, to increase your wealth.
Not investing, keeping your money in the bank, or spending your excess on luxuries can lead to a longer work life. You won’t be able to retire early. If you invest in your 20s, you may be able to retire at forty. If you take investing seriously, the “returns” generated from your invested money will provide financial stability for the future.
https://retroworldnews.com/how-investing-can-help-you-retire-early/