If you think about cheap modular manufacturing spreading around the world, it is very similar in essence to what the Replicator makes possible in the fictional future of "Star Trek": i.e. Instant, cheap, local production of goods on demand.
Fictional technologies are much easier to build than real ones, but the international maker movement has shown the way: ordinary people can make their own stuff, and some of that stuff is very high tech.
So imagine: fractional ownership in your local manufacturing array, this provides income while over a few years the cost of goods fall dramatically.
The cost of goods falling means your payments from this fractional ownership buy more each year.
Why would they fall? If recycling plays an increasing role the materials should be a little cheaper each time they are used, techniques for designing for recycling will make re-using the materials easier over time, the technology of the manufacturing machines will become more refined, distributed manufacturing will mean things are made where their needed, so shipping will play a lesser role in their cost and carbon footprint.
The modular design of the machines means they could make parts for more machines, but as more and more designs become available an increasing array of things could be made: parts and tools of course, but also arrays of tissue printers for medical use, if you can print tissue, you could produce "ethical meat", and replace the fast food burger place with automated restaurants (lookup "momentum machines") and of course mirrors and motion controllers for heliostats (solar thermal power) increasingly efficient recycling equipment, automated woodworking (cheap decent quality furniture) and when someone downloads an object you've designed, the machines themselves could pay you a royalty (in BTC, or ETH, or LTC, etc) the machines could begin to buy and order the materials not on hand, automating the admin as well.
The 21st Century replicator looks like this:
This is the 8 Prototype Machines at various stages of completion.
The machines consist of an Electrical Module (the thin tray at the top of the bottom 4 machines and the top left one)
This contains (for now) a Raspberry Pi, or BeagleBone, or Something else... + a power supply, motion control boards, a small Ethernet switch and so on...
The bottom "Mechanical Module" contains the moving part of the machine (small Lathe, Mill, Circuit board router, 3D printer, spot welder, Robot etc)
In front of these machines, there will be a line of cubes with "Pallet Movers" to transport work-pieces, pallets, and fixtures between the cubes. (essentially a series of short smart conveyors for an automated loading robot.
These machines are small (600mm) but the design scales up to 1.2 meter and down to 300mm with long term plans to scale much further on the smaller and smaller side. (tunnel to nanoscale)
There are many challenges, but open source can incrementally whittle them away. All the major parts of the control software already exist in several projects (Octoprint, Machinekit, ROS) the communications protocol/State machine architecture (MTConnect), Digital Template files/protocol (STEP_NC) Distributed Internet (ZeroNet) payment and rewards system (cryptocurrencies) and open source ERP tools make this an integration and testing effort rather than requiring the control system be built from scratch.
It all makes me eternally optimistic!!