~2% is great if you're doing okay financially and have a good career. It's useless if you have any marketable skill that would benefit from spending what you can spare on tools or services. A pair of good mixing headphones in 2017 paid for itself by 2018. It would have only been an extra $2 in a savings account. That investment paid for a MIDI controller that came with Ableton Live Lite. That helped pay for an upgrade to Suite during a sale less than a year later.
All the money I spent on the controller and Suite upgrade would amount to barely $30 a year in savings interest. That's not going to help me with the tiny but still greater income built on those investments.
In your case you are reinvesting gains from your music career back into your music career which is currently increasing in value. The principle is that this will let your career grow at increasing rates.