[lenerdenator]

You do once you exhaust the value of the retirement account that matches the principal that you invested into it.

[triceratops]

If money from investments made with earned money isn't also earned money then no money is earned money.

[lenerdenator]

Of course it's earned money, it's just that someone else earned it.

Increasingly those someones are people who have a lower standard of living than their parents' generation did.

That tends to rot those someones' faith in the future, which is a good way to bring about undesirable changes in a society.