It's all a function of that extremely precious commodity required called time. When the alternator in your car quits, you can fix it yourself or turn to a mechanic. Working the Web is no different in this regard. Doing it yourself saves bucks, but may not be cost-effective. And it can be a serious mistake if you lack required skills.
If you want your site to become a significant source of income, judicious use of time is mandatory. No one person will cost.
Going Into Business
If you are starting a new business, you must file a DBA (Doing Business As a statement) or the equivalent in the county or state in which you will work. After filing, it may need to be published. Then you need to open a bank account. Costs vary from state to state. In California the minimum is about $50 for the DBA and $10/month for the bank account. Also consider any state or local licenses If you need an accountant, costs go up. Turn to an attorney, and they may skyrocket. But you may need to consider these options because of the products or services you will market, just as in an offline business. You may need to consider liability insurance. Incorporation may provide even more protection.
HTML vs Web Page Editors
You must understand the basics of HTML, the can do it all. And what you need but don't have time to do, language in which web pages are written. There is a time cost here. But at some point, most will find it more effective to turn to a web page editor to save time. Costs range from about $50 to $200.
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