I just love entreprenuers. There's almost this iron will of determination, hope and blind optimism that leaves most people just shaking their heads & thinking we're crazy.
For me, church planting is essentially the same thing. I believe the innovation and creativity born out of not ever having enough resources [money, people or time] leads to some of the most amazing problem-solving skills and breakthrough ideas. "Ministry MacGyvers," if you will. Sometimes it may be duct-taped together, but we'll make it work!
Seth Godin talks a bit about this in a recent post about marketing budgets, but I think applies even more to ministry development.
First rule: great product development and marketing almost always comes from organizations that don't have enough money. Having less money keeps you from trying to buy your way out of trouble.
Second rule: learning to live with less money means you will develop skills and resources instead of buying them. And it means that when you have less money (again), you'll be prepared.