The main theme of Oliver Twist is the passive inhumanity that institutions and bureaucracies have toward the unfortunate. But institutions are not to be separated from the disregard of unsympathetic individuals who also may hold the power to change laws even sometimes without accountability for their actions.

Now there is no implication here that we resemble anything from Industrial Revolution England. The sole connection, if any, is that as a working society we have moved beyond the Industrial Manufacturing Era to a more Information Technology-Based Economy.

As a baby boomer, enjoying early retirement, it is somewhat entertaining to read articles for retirees and how they can live happily by juggling a smaller nest egg. After a life time of work and dedication working for the system, now in our golden years, we need to be able to stretch without cracking and maintain a healthy glow without tarnish.

However, here are two questions and answers for everybody regardless at what stretch of the road they may be heading towards retirement.

FIRST QUESTION: How can you adapt a more frugal lifestyle if you have limited savings accordingto a recent report? 

SECOND QUESTION: How can you NOT have to adapt to a frugal lifestyle with follow- me cycles as described by OYC and LGN Prosperity?

For the first question and full article as reported by Emily Brandon for U.S. News & World Report:

　http://articles.moneycentral.msn.com/RetirementandWills/CreateaPlan/21-ways-to-cut-expenses-in-retirement.aspx?page=1

[Related content: retirement, retirement planning, financial planning, retirement savings, Social Security]

It begins by saying that few Americans are saving enough to finance a retirement that could last 30 years or more. Workers who haven't accumulated enough to maintain their current standard of living have two choices: Delay retirement or learn to live on less money.

Here are 10 points out of 21 frugal strategies from their retirement stash..

Get Ready..Get  Set...Start Stretching..

1. Downsize your home and any big yards...or move into a townhouse or condo…

2. Exit expensive cities…move to the Midwest or South with more affordable housing and plenty of amenities…

3. Ditch a vehicle...can even go carless…not sure how that will work if you move out of the city…

4. Pick out the type of phone service that is most useful to you and cancel the other…land line or cell phone…why do you need both?

5. Get rid of cable TV. Make do with broadcast TV, or watching free TV programs over the Internet.

6. Travel smart. Enjoy the luxury to be able to travel on weekdays and off-peak times and taking advantage of last-minute deals. Don't forget your senior discount.

7. Ask for senior discounts. Cash-strapped retailers may increasingly be willing to negotiate on price with repeat customers. Don’t be afraid to shop, haggle and negotiate for the best prices on everything. Try to buy items you use frequently in bulk, wait for sales and clip coupons. Buy used. Check out online message boards, auction sites and community bulletin boards before making your next purchase.

8. Find free entertainment. Plan to volunteer and try not to take up expensive hobbies.

9. Eat out for less. Consider filling up at home and purchasing only appetizers or dessert. Learn to cook.

10. Resist your grandchildren. New grandchildren are money magnets. It's often difficult to resist buying them an expensive toy or top-of-the-line stroller. "On an emotional level, you want to give, but on a financial level, you certainly don't want to become dependent on your children and grandchildren at the end of your life," says Hollander.

I don’t know about you, but these "stretching exercises" are not what I had in mind for physical and financial health.  My precious retirement will NOT be limited in any manageable way to riding at the back of the bus or not enjoying fine dining or expanding my world holidays or immersing in any hobby I wish or spoiling my grandchildren with memories and awe inspiring gifts.

I may have felt, perhaps, being "boxed in"  by my work...but like Oliver Twist’s famous words, "I want more" porridge added to my bowl without any indignation when it is time to set my personal agenda and freedom.

This brings me to the second question:

How can you NOT have to adapt to a frugal lifestyle with follow-me cycles as described by LGN Propserity?

So there is another option where you can retire in the style you deserve with a home-based program from Own Your Channel and LGN Prosperity.

 A handful of intelligent videos explain the connection and process. Here is just a quick overview of a few simple steps..in fact, no legitimate excuses allowed.

1. Watch the informative videos, attend a webinar and get your questions answered. Become a member of OYC which is a social site for entrepreneurs, not MLM. Get your own replicated site and back office management.
2. Make a choice to pay a one time entry fee or be put into a Clearance House for no cost sponsorship into LGN Prosperity. Understand the application form for sponsorship.
3. Share the information with like-minded people who keep their options open to add more value to their lives. Invite 2 people who invite 2 people each who also see the great potential to make serious income and want to join. You have just completed one cycle and will receive $777. In fact, each time your 6 person matrix cycles, you will receive another $777. How many times do you want to cycle? Weekly? Monthly?

Not to mention, that with each cycle you will also receive a valuable travel voucher to any of 3500 destinations. Show me anything simpler, more lucrative and downright enjoyable as one gazes out on golden horizons.

Personally, I will be planning how many ways I can share this valuable video and fiancial plan and how many people I can help do the same.

Rather than worrying about frugal choices, I will be contemplating how many different ways I can spend $777 each time I cycle.

This simple story perhaps summarizes the great importance of being as self-sufficient as possible..retirement happens only once in a lifetime.

Subject: Building a Life Worth Something...

An elderly carpenter was ready to retire. He told his employer-contractor of his plans to leave the house-building business The contractor was sorry to see his good worker go and asked if he could build just one more house as a personal favor. The carpenter said yes, but in time it was easy to see that his heart was not in his work. He resorted to shoddy workmanship and used inferior materials.

When the carpenter finished his work, the employer handed the front-door key to the carpenter. "This is your house, "he said, "my gift to you." The carpenter was shocked. What a shame! If he had only known he was building his own house, he would have done it all so differently.

So it is with us. We build our lives, a day at a time, often putting less than our best into the building. Then we are shocked to realize we have to live in the house we have built! If we could do it over, we'd do it much differently. And better. But you cannot go back. You are the carpenter. Each day you hammer a nail, place a board, or erect a wall. Your attitudes and the choices you make today build the house you live in tomorrow. Build wisely! Build with commitment, pride, joy, and love.

How to Retire Rich Without Savings with Cycles on a Level Playing Field in this Valuable Home Business..