When planning for retirement, you typically need to take into account your monthly expenses, the cost of living in your city and state, and how much money you have saved in your retirement fund.
The aspect you may not need to consider as critically is whether your money comes from active or passive income. While it can impact your overall financial strategy, it's less of a direct concern compared to the others when determining your retirement needs. Therefore, it's reasonable to say that this is the least critical factor among the options listed.