A few options: wait to start a business (what most people should probably do), get friends and family to invest (this is a good way to lose friends & family), m

A few options: wait to start a business (what most people should probably do), get friends and family to invest (this is a good way to lose friends & family), make money the old fashioned (hint: it involves earning it). You also have the option to borrow money using credit cards, but I recommend against this. You could sell your $100,000 Magic The Gathering card collection on eBay, too. Or do what I did... after you max out your credit cards, use money you saved up to pay for taxes to fund a business, run out of money, and end up homeless with $200,000 in debt (including student loans). You have also just discovered why there are early stage investors. If you create an app has some potential to make billions that attracts millions of active users in a month, but doesn't make a dime now, no bank will lend you money the 16 million USD you need to keep building that. But if you convince a tier 1 VC (Accel, Sequoia, A16Z, etc.), to invest 12 million, an early stage bank might lend you 4 million USD, using your big pile of VC money to secure the loan. Just remember that raising money the first time is super hard. You can easily run out of real money by spending too much time trying to raise money (which will suck extra bad if you are living off the money you set aside to pay taxes). Or you can just say "fuck it", go for it, and hope for the best. When I was homeless, I kept hustling, managed to get my hands on a check for $5000, turned that into a business with 15 employees and sound it a couple years later, and sold it for $200,000. You can read a very polished version of that story in my LinkedIn profile (link in my HN profile).