You have to up your game earlier, and build that stack up, without being too wild about it, before you get there.
In a MTT, there is
playing to get paid, and then there is
playing to win.
If you
want to get paid, keep doing what you're doing - play carefully and hope to make FT and get a prize.
If you
want to win, you have to do things that might cost you before you get to FT, but if you play aggressively and wisely, you will get to FT in a better position to win.
I have found that I was playing too carefully, just trying to make it to the end - I would make the final table, but I was usually short stacked and in big trouble - the definition of 'nit' in the poker world. And yes, I would make a little money, but I wouldn't win much very often. The short stack at FT does not have the luxury of waiting for the big
hands. I had to widen my range and play a bit smarter before reaching FT in order to be in a better position to win the tournament.