Many folks blame the money - "I could do it if I had the cash" - this is the voice of somebody who can't be bothered and does not have any real goals.
A modern day example is the Evernote type service called Springpad - even though they had 7.3 million USD of funding - they could not create a sustainable business - this could be for a variety of reasons and I'm not going to speculate either but just wanted to get the point across to you that its not the money that counts - its you and your desires and passions that decides whether you succeed in reaching your life goals.
This photo is of me and some workmates when I was working part time in a Japanese restaurant called Benihana. I left my father's studio to pursue my dreams of living and working in Japan (which you read about here) - working here fulfilled two goals - not only did I get to speak Japanese to staff and customers, I also earned the cash that I needed to travel to Japan once a year to absorb the culture.
I also reached another unexpected goal while working there - I met my wife ^^
Unfortunately there are a load of folks out there of the I-could-do-it-if-I-had-the-cash variety who are not willing to work for the money - I guess they are too good to wash or carry dishes like I did. Or maybe they were scared of breaking dishes like I sometimes did ^^;
The first thing that many startups do is seek funding but I see that as an act of not wanting to leave the comfort zone of a salaried job - this is evident by the flash offices these "startups" go and rent who start to fill it with expensive furniture and Macs for everyone - this does not sound like startup mentality to me.
Many successful startups tend to bootstrap their own business by initially using their own funds which are usually savings - in my case I bootstrapped my business through earnings at Amazon and Microsoft and over time through sales of Mirai Suenaga merchandise.
The good thing about using your own money to bootstrap your business is that you will be more frugal with the way cash is spent and learn how to innovate with scarce resources. Many companies who startup with millions of USD have abundant resources to play with so there is no need to innovate anymore. I guess this is one of the reasons why 90% of tech startups fail.
Humans do things based on necessity. If its not a requirement we tend not to do it because humans are by nature programmed to conserve energy - using energy to do something that is not a requirement goes against our programming.
If you was hungry you would go to the kitchen to look for food - if there is nothing in the cabinet or fridge then you would go out to get food. Eating is a necessity for us which is why we always make time to eat.
If you have a goal in life then you must make it a necessity - you must have a desire and a will to make it succeed - it is you that can and will make it happen - not the money.
Remember - its not the money - its you.