[AZTLANLC]

As a child I did many stupid things, this doesn't mean I will do the same as an adult.
You mentioned before you had people willing to work for you.
That is the reason Dale suggested WC.
Most of the people that succeed in this or any other business, are the ones that open their ears and listen to those that have being there seeing or making the mistakes you are about to do.

A person just starting in business can and has to charge the same then someone doing this for years.
Based on your experience your profit might be lower, but not your price.

So if you charge less because you have no experience and take longer due to the same reason, you are in a path to never be able to afford insurance and a legit business.
In that case why not ask your current employer for some over time to make extra income.?