Agreed...I have had several younger people ask with admiration about how they can start their own business. I tell them first get good at something. everyone can get good at something they want to get good at whether sales, a trade, service, or a number of value added functions. I started my own business with money I saved up and doing work on the side while I had a regular job. If you don't have momentum at the starting line you won't get far. If you don't put in the time to build core competency at what you want to do, a plan is just worthless. In business there is seldom a project that goes to plan. Success is based on a business operator that has to deal with on problem after another, and not be bottomed out by the occasional crisis. Speaking form experience, lenders don't care about a business plan as much as they care about your cashflow. In the current business environment you better have your own money or assets to leverage in order to start. If you manage to last a few years, banks relax and after some good credit history they start soliciting you to extend business lines of credit. but you better have some balls and you better be relentless in pursuit. you weaken you go under.