It takes a lot of starter cash to self-publish a novel. First, I need an editor - I am firmly of the opinion that all writers need good editors, and I don't want to publish a rough chunk of rock. I want a diamond.
Second, I need money to layout and format the ebook. It's essential that that format be available if I want people to take a chance on me as a first-time, self-published author.
Third, I want to do a small initial print run. This involves *a lot* of work - formatting and layout by a professional, cover art that can catch the eye of potential readers, the actual printing, and then attempting to get book stores to carry it, or at least let me sell it there on consignment.
Finally, this book won't go places if no one knows about it. Marketing is key to getting the word out and getting it to the right people.