You can have a nice plan laid out. First do a game that does not require intense graphics or complicated rules but requires some work with physics, then make your tcg (or maybe a simplified one) that is rather graphically-intensive and is prone to complicated rules and intricate AI, then you will have the basic skills for a really decent game.
When you get to working on the tcg first step: write it down on paper, every bit of it, or on a word DOC, doesn't matter. Make an example deck or two out of index cards, and play with them often to balance the game.
Crazy Donut Productions, Current Project: KillZone
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