I'm not sure if you are in any private crypto investing groups but there are some incredible opportunities right now. For anyone that is studious, analytical and risk averse enough to take the time to identify high potential investments in initial coin offerings, the risk/reward is obscene. Take 0x for example, I know someone that invested around $3k-4k, buying about 75k tokens in the ICO and sold at about 38% short of its current AH of $0.5 USD, making about 42ish bitcoin so about $180k USD worth of bitcoin. Personally, I would have held because I believe it will eclipse the AH within the next 12 months but, sometimes when you need the money and when the chance is there you have to "strike the iron while its hot". That was just a few months ago in August. Right now...stuff like Latoken and Electroneum(get it while you can, nearly 40k investors right now), look like they will be making a big splash in the cryptosphere. However, this is not easy money, I've spent many hours, reading, discussing and debating with people in my network, asking targeted questions to development teams of ICO's in my watchlist and making sure that I understand every aspect of a whitepaper so that I can at least attempt to make informed investment decisions without the need to follow "hype". It's quite simple, your either mimicking the echo chamber of a million other John Doe's or your forging your own path and making your own luck. We can talk all day about X diving in comparison to Y or what investment strategy is better in comparison to another but the reality is there is two sides of every trade and you have to work much harder than the other guy to be on the winning side.
Accepting passive income only really becomes relevant when you already have an acceptable and robust primary income source that is resistant and stable in varying economic and geopolitcal environments...if not you need to be diversified and have a good mix of short/medium/long term investments that can help grow your wealth over time.
Why listen to Wall Street? If you are smart enough to research and learn then you can make your own conclusions about the future and therefore how you invest becomes entirely your decision. You should be moving inverse to the crowd.