What bond guru Bill Gross sees coming - Money Magazine

The important thing to recognize is
that if you're looking for 10% returns to pay for college or to retire on,
they're not going to be there. We've been an asset-growth-based economy for so long.
We've skimmed off the top, living off second and third mortgages on homes,
and capital gains on stocks and even on bonds.

Now instead of having money work for you, you've got to work for your money.