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no its like making money for opening a savings account like alot of banks do, but ING makes it easy. OR you can keep blowing whatever extra money you have every month and never have a savings so when an emergency comes along and you need some money you have to put it on a credit card/loan thereby going into debt. then when you see something you want but don't have the money for you can throw that onto the cc digging yourself even deeper in debt until one day you're calling up a credit counseling company and your credit score takes a dive and you can no longer buy a car, house, get insurance, cc, w/ out getting ripped off.
ask about any finance type person how to build wealth, they'll say get rid of stupid debt like credit cards and other nonsense, and start a savings account usually equal to around 3-6months worth of expenses, then start investing.
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