Finance, the KEY component to starting a business?

In Robert Kiyosaki's words: "There are three components to starting a business. One is the right plan; two is the right team and three is the money. Rarely do these three components come together when starting a business. It's the dusty of an entrepreneur to grab one piece and start the business, the remaining two pieces will be found along the way. Finding the two components may take a year or more than 10 years; the point is start with what you have"

While some might argue that Robert is right, I wonder if his ideas are practicable and attainable, particularly in an ambiance such as ours. In this our "obodo naija"can you actually start a business with just a good plan and without money? Or can you start with a good plan, the right team but without the necessary start-up funds?