Absolutely.
Little by little.
My first sponsor once told me that it was my job to improve my circumstances, and that bitching and moaning about them was just a waste of time.
That was pretty big news to me at the time.
I like the money and interest analogy in your post, because it reminds me of two things.
Firstly, I need to accept that I can't affect the changes I might want all at once, or right away for that matter. Things take time, like interest in an investment.
Secondly, the level of satisfaction I will draw from seeing things change and improve over time is directly proportional to the amount of mind sweat and determination to pursue said accomplishment I will have invested in the pursuit.
Plainly stated...
Find a goal, identify something you want made right.
And don't quit working at it even if your ass falls off.