i find myself having clever ideas for products, businesses, or

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i find myself having clever ideas for products, businesses, or apps sometimes.. things along those lines. But I don't have the money to make anything happen, and even if I did I have no clue how to start a business or how I'd go about creating an app.

I've recently been reading everything I can about online investing and I just joined Investopedia and started their stock simulator. I really want to get smart about money and become my own boss someday. I am not naive enough to think I'll be day-trading for a living in no time... but my goal is to have that be one source of income.

Does anyone here own their own business or has anyone here started one from scratch? I find my head swimming with ideas but I just never seem to put them down on paper and I must lose like 90% of them. Where'd you get the money to start? How do you go about finding people who can help you make shit happen or work for you? I wouldn't have the slightest clue how to make the App I have the idea for, for example... OR how much I'd charge for it, how it would work, how i'd actually fulfill the orders from people buying it...

I also have a cool idea for a T-shirt company, I don't know. I feel like I have ideas but none of the experience or know-how to do anything with them.. How do I solve this problem?