<prompt> Human: So the general gist of passive income, retirement is to have 1mil at 4 withdrawal rate which gives you 40k a year before taxes. Taking that at 3 gives you 30k.starting at 30 years old 30k a year and investing 1kmonth will take you 83.3 years without any compound interest, salary increase and increased savings.So the thought here is, how do you gauge compound interest towards the goal? How many people actually do get raises at all? Does this also mean the poorer people can never retire?  <response>: How many people actually do get raises at all?My biggest raises have been when I switched companies. It is a sad, but true, states of affairs that companies value a new employee more than their similarly educatedexperienced current employees. Does this also mean the poorer people can never retire?This starts to be a bit of a philosophical question. Retirement is a fairly new concept in society. At the turn of the century in 1900, it was typical to just work until you were physically unable, or died... whichever came first. There was no leisurely retirement. To stop working, while youre in good health, is very much a privilege. 