It's very simple really, if you don't have credit or capital, forget it. If you do have credit, capital and savings... you gotta jump out on the limb and climb your way up. There is no grey area, do or die. 
I agree, however.. from his standpoint, a woman and a family.... his question was to start out or not.... plan withstanding, if you don't have the money for direct marketing to KEEP those leads coming in.... i'd say forget it until you do. Little mouths eat alot. I suppose in this case, we will disagree.I don't agree. I think a plan is far more important. If you have a plan you can overcome almost anything (if the plan is good).
Credit can be a black hole from which you will never escape.
Capital is important, but not nearly as much so in our industry. A good plan can overcome a lack of capital.
A good plan must focus on marketing. If you generate enough leads, you won't have to buy jobs. You will be able to generate enough work to earn a decent wage and build your business.
Brian Phillips