I know of five kinds of indie movie makers:

--Those who have production and post-production money and have talent

--Those who have production and post-production money but have no talent

--Those who don't have production and post-production money but have talent

--Those who don't have production and post-production money and also have no talent

--Those who keep discussing their indie movie concepts and as-yet-unwritten scripts with their friends but never get going on anything, money or no money.