Joe,
It doesn't take a whole lot of money to get started, nor to continue the build at a reasonable pace. That was the deciding factor for me to build the Cozy MKIV. I saved up enough money to make my initial purchases by packing a lunch for work everyday instead of going out. The money I saved, CASH, went into a jar I kept at work. In a years time, I had over a thousand dollars the wife knew NOTHING about to help me get going. I also decided to keep my truck for 10 years, instead of the 3 year cycle I was on for replacement. Six years later I am still doing the same thing and have a nice project to show for my efforts. The wife is O.K. now with the idea that there IS a plane in my future, a dream I have had for 30 years, and its going to cut into the budget a little, but not too painfully. Besides, as she likes to put it, I can alway charge the things to my MAGIC CREDIT CARD!
As we have found out over the years from drop in's, we have heard all of the same reasons from prospective builders not being able to start the build "right now", but none that could not be overcome. Like anything in life, if you want it to happen, you have to make it happen. If I can do it, I think ANYONE can!!! Good luck Joe.