Instead of playing it safe, try investing your money in stocks or bonds.
While these are considered more risky than typical bank accounts, they have the chance of generating much, much more wealth – sometimes (as with stocks) in a very short period of time.
Of course, the higher the potential for return, the higher the risk.
With stocks, for example, there's always the slight chance you could lose your entire investment.
But if you don't take the risk in the first place, you're guaranteed not to make any big returns.