Your money has a job--and that is to make more of itself. One way to do this is through making private loans. You have to be careful and make sure all the legal stuff is properly taken care of. At the low end of this scale of course you have things like:
depositing money in your savings account
using a money market fund
buying bonds
making small direct loans
etc.
You could also look into services such as Prosper which essentially connects private lenders with borrowers. Now to be clear I am not endorsing them as I have not used their service (I put my money to other uses), but you may want to at least have a look.
Here is a link to one of their ads. Click it to go to their site.
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