For anyone wanting to grow their wealth and, ultimately, "get rich," there are two secrets: investing and time. Investing and time are the two most effective ways to get rich. While it doesn't sound very glamorous or exciting, a 401(k) account combines both. It is a type of investment account, specifically for retirement, that relies on time to grow. The best part about this kind of investment account is that it takes virtually no knowledge, on your part, of stocks, bonds or market rates to work.