This is why threads like this die, and threads about winning the lottery or other fantastical nonsense goes 40 pages.
Let me explain something to you, when you 60 years old, can you use and extra $200,000?
Let me show you how to get that $200,000 and still blow money on useless nonsense like iPhones and $100 a week fast food habit.
Compound Interest Calculator | Investor.gov
Throw your money in a nice index fund through any Mutual Fund. Most popular Mutual Funds are Fidelity, T.Rowe Price, and Vanguard, and you can see returns from the S & P 500 Index Fund as high as 9%.
Play around with the calculator, and you can even see how much money you can get in the short term of 5 or 10 years. Here's the goal, double your money every "x" amount of years. Using the rule of 72, if you see 8% returns, your money will double every 72/8 = 9 years.
Making money is not hard, I just don't understand why folks don't know how to get this money.
At the minimum...invest so you can help your kids when they to go to college and need a down payment on a house.
Play around with the calculator, and see how you can get $500,000 by time you are 60 years old.