While like most I agree there is room to target both segments I personally aim for Home Makers more often than retirees.
I live in sunny Arizona where we get millions of winter snowbirds and many have money but many are sharing a 99 cent sandwich at the local fast food places 3 times a day. The ones that have a lot of money are more focused on the sights to see, and gatherings like bingo night, poker at the Casino, sight seeing trips etc.. The largest share of our winter visitors have owned their businesses or done so well in their careers that the last thing on their mind is anything that looks like work.
Since the 2nd largest segment sold their homes to get out from under a mortgage and bought a small RV to follow good air and affordable living simply have noting to invest money wise. They seldom have smart phones or computers and internet service is 40 more sandwiches they could buy in a month.
That leaves a small class that isn't rich but has just enough to be comfortable. In utopia this would be a large class but in reality the number who fail to plan for retirement and depend on social security outnumber those with $200,000 Wonderlodges.
While these seniors tend to know a lot of people you are most apt to find the ones with a little money to invest, net connected, and with viable skills out trading at the swap meets or doing crafts at a rec. center. They love Ebay and Amazon for selling those wares so they make a great potential market for TripleClicks and a few of them, mostly those widowed will join a program as some have said to meet people and feel useful again.
Meanwhile we have the homemaker.
Here in the U.S. despite the dwindling percentage in the middle class and threats like Obamacare to even further thin them out a large swath of our population is earning upper 5 to 6 figure salaries time 1-2 adults. They tend to reach above their current means at times and most of their struggles amount to buying the car and the house in the same year they vacationed in Brazil.
These middle age and middle class home makers are Internet Savy, have large personal and social networks, and when pressed they can find the funding to invest in a great program. Ever wonder why the average Internet Guru is 28-45 and has $30,000 or more to lose before they found their secret formula for sales and profits? It's not that all of them are lying it's that they put the right combination of persistence and investment into a business while they were learning what really worked.
WAHM is a acronym sweeping the web.
A WAHM is a Work at Home Mom, and the types of things they are doing to make millions of dollars for their families range from being a mommy blogger and sharing their craft and organizational tips and ideas, or writing self help ebooks on raising children and many have taken offline skills and adapted them to online work.
I know a woman on LinkedIn who was a college graduate with a degree in business management and accounting. Because of finding her soul mate and having 2 kids she never made it to the business world in the old fashioned way or for that matter owned a business. She is making well over 200K per year now as a business consultant and generates a lot of her awareness and new clients by writing quick reports she sells online.
Women who are looking to help earn income but have chosen to stay home with the kids are resourceful and empowered. If the husband does not make enough to let them spend a little money a bake sale, a craft sold on E-bay, or a small project earned through a connection at church can start a small empire.
When you think of mommy bloggers turned billionaires think Martha Stewart.
Our job is to get in front of these dedicated home makers and show them the ready for you business that is SFI. I guarantee they have the desire, the skills, the ability, and can create time like they held the hands of the sand man. I work with several of them that outsell me through one of my suppliers for my ECA store. They make more in one day having tea with the girls than I do in a month.
The choice is yours but I know which group has 30 years to generate the same 2 million nest egg for retirement and is not in a rush and has little need to spend the money as it comes in. The home makers seldom miss a mortgage payment and don't split 99 cent sandwiches.
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