The theory of ros (return on spend)

When you invest your hard earned money you expect a good return. The standard benchmark is the return of the s&p 500 which for the last 50 years is about 10.9% annually. The fact is if you invest 10% of your earnings in a year, assuming this return, it would be a little more than 1/2 of what you can get by earning 2% back on the  other 90% (of course this doesn't have the compound effect that investing has). 2% is without any effort if you simply do some research it can be 10% if you play your cards right (pardon the pun). The fact is your spending is an asset that banks will pay to service, you should sell it the highest bidder.