Due to their investment loss, John and Mary, our 58 year old friends, are in a state of panic over their retirement plans. Instead of having over $50,000 a year annual income, the drop in interest rates and 401K loss, leaves them with barely $16,000 in annual income.

They simply don’t have the time to save or invest to build up a cash fund that will earn interest for them. They won’t live long enough to save enough and they want to retire in the next couple of years, not ten years from now. They need to replace their cash flow that disappeared with their investment loss.

They have been advised to look into starting a business to create monthly income. They do not want to start a business that will require them to work full time. They do not want a business that only makes money when they are working. That situation would not be retirement but just another job. They also need a low startup cost due to their investment losses.

They need a business that will work for them even when they are sleeping. They need a business that will allow them to travel and spend their time the way they want. They want the financial freedom that their investment loss has taken away from them.

As J. Paul Getty, one of the first billionaires said, a product that goes up the smokestack, down the stomach, or down the drain. It gets used up, so the buyer needs to buy more. John and Mary want a business with a product that gets consumed and re-ordered.

They want a business that allows them to earn not only from their own sales, but also from the sales of others. As Mr. Getty said, they want 1% of the efforts of 100 people rather than 100% of their own efforts.

Not being professional salespeople, they want a business where buyers make a selection on their own without any convincing. Their example is buying toothpaste. The customer picks out the product doing their own research.

They want the freedom to do business from anywhere in the world, perhaps over the internet, with just a phone and a computer.

With many of their friends having the same problems with investment loss, they would like to be able to be successful themselves and be able to recommend to others that they take a look at a tried and tested business plan. Just like they would with a good movie or good restaurant, they would like to share a good thing but also get paid for making the recommendation.

They are looking for a ready to go plan. They can’t afford to reinvent the wheel. Joining an established business and group would be ideal, particularly if the group helps to make their business grow.

John and Mary must find a new plan of action. The traditional save up and then retire won’t work due to the investment loss they have suffered. The 401k loss and and IRA loss has placed many, many baby boomers in the same predicament. They need the cash flow but can’t wait for investments to recover, if they ever will. It is a different concept but one which has the same result, monthly cash flow.