Do You Own Lazy Money? When it comes to wealth management, money can do two things. It can earn interest, or buy stuff. Your money can earn interest: Your money may be lent to a financial institution and in return they pay you an interest rate. For example, a bank may accept money from you, the depositor. They lend it out to a borrower. The bank charges the borrower an interest rate, and then keeps a spread/portion of the rate charged to the borrower. The bank covers their ex