I would not change my tune that much. The ability to retire with a passive income is a luxury that my generation as a whole may not see in great numbers. I'm lucky enough to be part of the population who does have a little savings--not making even close to 4% obviously, but better than a poke in the eye with a blunt stick. But it's not zero and every day I am grateful and thankful for even having a little. I really have a hard time getting worked up over people who are complaining that their pile of money is not making even more money while they sleep.