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RE: Targeting the future early
Both things are so difficult to start - it's like here on the Steem blockchain - at the beginning you're glad when you make a penny. But it also gains momentum if you keep pushing and becomes better over time.
Passive income generally takes a great deal of activity to get the ball rolling on, Steem included. Many people forget the work to get the value to invest, they just see the result of the investment.