If you are one of the millions of people who has seen a sharp decline in the value of your retirement account, then you may be faced with the prospect of a retirement lost.

What do you do now? Do you keep working beyond your planned retirement date, in order to rebuild your nest egg? Or do you cash out whatever value you have remaining and try to stretch your retirement dollars for as long as you can?

What you can do is build up a new source of passive income that will make up for the shortfall in the funds you need for your retirement. Lost value doesn't mean lost opportunity.

What you can do now is start earning passive income via the Internet. You don't need to be a computer geek or a tech-savvy person. You don't need to have web-design skills, an MBA, or even a business background. You don't even need any money to get started.

All you need is a computer with Internet access. That's it. Even a bum off the street can do it. All you need to do is spend an hour or two online every day, and you can be making hundreds, thousands, tens of thousands, or even hundreds of thousands of dollars every single month.

Billions of dollars are exchanging hands on the Internet by millions of people each and every single day. As an affiliate marketer, you can join the ranks of people who make their living by earning commissions for referring people to buy products on the Internet.

Regardless of how much your funds for retirement lost as a result of the economic crisis of 2008, you can rebuild that lost value in just a few short months or years, using passive money that you earn via the Internet.