I agree with that, but passive income is very hard to achieve so we are doing where everyone starts which is having an active income. Passive income will always be our dream and we hope to achieve that one day.
The best passive income can be achieved through a long-term dividend strategy. There are lucrative and cheap blue chip ETFs which pay 3-4% dividends a year. But this takes a few years. That is why it is thought of as a retirement guarantee.