tetris was made by two russian guys while they were at a uni and the uni shafted them with copyright, thats the basis of the plot to tetris.
dont think about the money until you get past at least a working prototype. your just whipping yourself into a lather, we have seen them come and go here for about 5 years, your not the first and probably not the last.
Dont let that discourage you either tho, im just telling you what your doing is probably thinking about the wrong components first and money isnt the end all be all of good gameplay and design.
Ive spent about $1500 on my game, photoshop having owned it before as a graphic designer / multimedia artist was the most expensive peice of software in the whole product cycle, I have not worked on my game for about 5 months due to work and other commitments.
your going to find it difficult to keep to a schedule when the development cycle of DBP is still being developed itself,you would be foolish to embark on a financial product when DBP is still not fully bugfree and ironed out.
i scrapped a 15000 line editor for now when one of the patches screwed over the whole development angle i was heading in.
I rewrote my game about 3 times, I ended up with something completly different to what i had planned and its far from finished after 3 years tinkering in DBP and maybe a years of serious coding once i knew how to code the structure well with many failed attempts.
have a look then have a play of the alpha i last compiled yonks ago.
[href]www.lunarpixel.net/dt[/href]
[href]www.lunarpixel.net/dt/tmp/dt_de_t11_pub.zip[/href]
DONT MORTGAGE YOUR HOUSE to dev a game, thats a foolish venture where even angels fear to tread.
If no-one gives your an answer to a question you have asked, consider:- Is your question clear.- Did you ask nicely.- Are you showing any effort to solve the problem yourself 