This article is not just for financially strapped retirees. It is for any one who has been effected by the rapid changes that face many of us today. You may feel better by listening the advice of millionaire economist Paul Zane Pilzer. He says that there will be millions of millionaires over the next decade - mostly working from home.

The internet has barely gotten started and people who work from home will be the next millionaires.

There are opportunities not to be missed whether you are an 'oldie newbie', have just been laid off or have a real need to do something. Now I know that the internet technology can be daunting, so you might have to use your children, grandchildren or even the young geek next door.

If you grab an online opportunity you could become financially independent for real this time. More so than you can imagine. It's the same message for everyone.

A word of caution though. I am talking about a business and everything that means. It's not playing - it's serious stuff. If you have some business know how - that's great. If you don't then you need to get some.

As in mainstream business you need some savvy. Internet marketing is like the wild west - largely unregulated. There are scams everywhere.

You must find a mentor you can trust. Then follow his/her advice and focus on that. You will be bombarded from every angle. Don't buy into everything! If you trust your mentor - focus on what is being taught and stick with it.

Will you miss out on other good opportunities? Probably, but you can pursue those when you have more experience - and have some money left.

Don't listen to the hype. If someone is tempting you with a 'one time only' sales pitch - and it will take you away from your focus - let it go. Heed an ancient truth - if an idea is good it will always be good. Put it on hold. You can come back to it later.

If it's not there later, tough. There will be newer and greater opportunities to come. Remember Paul Zane Pilzer: "the internet has barely gotten started". There are always going to be new ideas and opportunities - most of which haven't even been conceived yet.

Focus - that word again. Get your experience first. Then you can diversify later. And the opportunities in the future will be even better.

You see, I don't want you to become disillusioned and give up. You maybe nearly broke now - no need to make it worse by chasing after everything. There's time - remember: "the internet has barely gotten started".

Back to Mr Pilzer and his predictions:

- We're in the midst of a boom in home-based businesses and it shows no sign of letting up.

- The greatest opportunities today are to go into business for yourself as an entrepreneur.

- Before you invest in anything else, exhaust the possibilities of investing in your own business first.

- The single most important trait for financial success is the capacity to willingly delay gratification.

You can see from this that you need to invest time, some money and be patient.

"But I'm retired - I've done with all that. I need results now while there's still time to enjoy it".

Hey, I'm not saying that this is for everybody. You might be happy in your retirement. Then this is not for you. But if you are broke and want/need to do something - an online business is a great opportunity right now!

Think you're too old - not enough time left? Think again. People are living much longer now. You might have 20-30 years to go. Now that's a long time to be broke.