I follow a slightly less aggressive, but similar strategy to the OP. I save about 30% of my income in most months. It leads to some fun financial benefits like

I follow a slightly less aggressive, but similar strategy to the OP. I save about 30% of my income in most months. It leads to some fun financial benefits like a much higher interest rate on your savings and checking accounts and easy financing terms. Sometimes you can have your cake and eat it too. I saved up all the money for my car and they gladly gave me 0% financing (having almost no debt and a perfect credit record doesn't hurt either). I took that and kept the money in a stable investment. Sometimes the trite saying of "Money makes money" is spot on. For most people though, you're right, that 2% deal would be a steal.