While it may be possible for some people to find a way to make money on a shoestring, in general, when an individual without without money it can be extremely difficult to build wealth. As anyone who even dabbles in the stock market can tell you, money isn't usually something that just stands still. Until someone reaches the point where he has earned enough money to have reached a certain level of sound financial footing any money he has or doesn't have create a situation that will generally move in one direction or another. When a person is bringing in more money than he is spending his financial stability can move in the positive direction of "building". When he spends more than he earns he will move in the negative direction of "losing ground". For the very financially unstable individual these moves in one direction or another are more likely to also take on a snowballing process in one direction or another.

While the person with extraordinary financial stability can also experience this snowballing in one direction or another, the financially stable individual is operating on a larger scale and also has more margin of error, which means that shift from an upward spiral to a downward spiral will not be caused by some of the events that can trigger a similar shift for the financially unstable person; and also means that a downward spiraling on a larger scale may mean a loss of substantially more money but usually does not have impact of equal proportion that the impact of a switch to a downard direction would have on the financially unstable person, operating on the much smaller scale.

This can mean that the person starting out on his plan to make money most often first needs to have enough stability to live. For some people just accomplishing this can be a tremendous challenge, and for people with very severe financial disadvantages it isn't always just the unexpected rise in the price of heating bills that can be a setback. It can one week without a paycheck. It can be one car in need of a radiator. Besides these potentially serious setbacks, the person of severe financial disadvantage sometimes does not have his needs met (food, the "luxury" of having a day of not worrying about losing the apartment, knowing that one's child gets is dental care, etc.) Too much stress for too long takes its toll, and one problem that can result is a person's ability to concentrate and energy levels get to where he can no longer function at his best.

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