Funding for young start up businesses

I believe alot of young people around my age 26 have alot of good ideas but are unable to take the risk of opening a new business due to high living costs and low income.
It is very hard to save money these days.
I am a subway franchisee and have been for 4 years working 7 days a week got over 4 years but still find it hard to make ends meet as all costs to the business have been going up every 6months.
This is very bad as business and turnover slows and cost go up
The biggest one being labour cost that has gone up upto 7% a year but profit goes down more then 7% a year

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