As we live longer the older generation need to take the advice of the famous economist and millionaire, Paul Zane Pilzer. Most of us will retire broke and we seriously need to look at the internet and home based busines to help us survive. The next millionaires are going to be home based entrepreneurs.

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. OK, the online technology can be overwhelming for us but we've all got grandchildren or know some whizzkid who can help.

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 any business you will need to have some knowledge. Internet marketing is like the wild west - largely unregulated. There are scams everywhere.

You must find a mentor you can trust. Then really focus on his/her advice. 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". Ideas and opportunities will abound that haven't even been thought of 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 could easily live for another 20 or 30 years. Now that's a long time to be broke.