Quote Originally Posted by mmchoppers View Post
What I meant in my statement was money makes money. I'm talking about the people who did not start out with cash to spend, and have very little.
Having done a number of zero-dollar startups, I can definitely relate to not having a lot of cash to start up with. The important part is having a good business plan, and an idea of how to enact it, and knowing the difference between essentials, and things that can be scrimped on until cash-flow picks up.

Quote Originally Posted by mmchoppers View Post
The fact of the matter is, life throws surprises, and not everyone can have a general guideline that will work for their life.
Everyone can have a general guideline, many just don't. We are all aware that life and business will throw surprises in your direction; some people will prepare, others won't.

That said, simply not being preparing is the leading reason why surprises turn into catastrophes.