Comment by nick238

Money analogy could better be put as one of:

1. Store your money in a 0% interest account—leave RAM totally unused—or put it in an account that actually generates some interest—fill the RAM with something, anything that might be useful.

2. Store your money buried in your backyard or put it in a bank account? If you want to actually use your money, it's already loaded into the bank.

Imperfect analogies because money is fungible. In either case though, money getting spent day-to-day (e.g. the memory being used by running programs) is separate.