The reality is if you’re struggling to make ends meet and you want to start a business that is going to replace your full-time income (and more), and you want to do it quickly it’s going to take money. Of course, there are success stories and exceptions to the rule but let’s assume you and I are no exceptions. We’re going to need money and maybe we’re not going to need lots of it, but the truth is there is no such thing as starting a business for free. You can get started with a small investment and in fact getting your first group of clients doesn’t have to cost you a dime but creating an actual business is another story.