The document discusses the financial challenges facing baby boomers in retirement. It notes that most boomers do not have enough savings and face historically low interest rates, making it difficult to generate sufficient monthly income from their savings. Even having $500,000 in savings would only generate around $350 per month. Most boomers will also be dependent on social security benefits, which for the average person provide around $1,177 per month. However, daily living expenses will take a large portion of that monthly income, leaving many boomers in a precarious financial situation in their retirement years. The document suggests starting a small home-based business to generate additional needed income.