If you still want to increase your money somehow, the only options currently available are stocks and real estate.
And since smartphone brokers have existed, the trend has been towards ever faster trading and speculating.
There is currently a little hype about day trading in particular - but is it justified or is it all just a game of chance?
WELT editor Moritz Seyffarth put in 500 euros and tested it during a working week.
His goal: to turn 500 euros into 1000 euros.
You can see in the video whether that worked and which risky strategies he had to use for it (or you read it in the transcript).
An excerpt from the transcript
DAY 3, morning
So, day 3, and I promised that there would be gaming, so there would be gaming too.
I sold my Alibaba and hydrogen stocks and placed two bets on them, both with leverage.
On the one hand, I have relied on Microsoft because they are presenting the numbers this evening and I just hope that they will increase.
And because I work with leverage, when Microsoft's share price goes up, that by the amount of leverage I have, that is raised to the power.
The same goes the other way too, meaning if it goes down it's bad for me.
Then I made a second bet, which I placed on Lufthansa.
At Lufthansa, however, I said that the share price would fall because the economic outlook is very bad there.
And that's why it's so that if Lufthansa goes down, that's good for me.
There is also a special feature: I bought a so-called knock-out certificate.
That means, if Lufthansa rises above a certain value, I'm out and the money is gone.
DAY 3, noon
The first hours with my gaming stocks are now over and there is good news and bad news.
The good one, something is finally moving.
The bad: It's mainly down.
This morning I still had 493 euros.
Now there are 460. If this continues at this rate, I won't have much left in the end.