This is a common misconception in IM. IM is not a high yield investment program where you need money to invest. If you are a newbie who want to use your money instead of learning, it is almost guaranteed that you will fail miserably... IM is more on high effort, correct planning, right learning, focus, and motivation. There is no shortcut. There are some advantages of using money but the risk is high. Some people buy a number of courses without completing one, jumping from one to another, until they felt frustrated and exhausted. Some people buy some so-called established websites then later on throw it away because they don't have the skills and capabilities to manage.
IM is very easy if you learn the basics. It is only getting complicated for newbies because of people who are selling different IM products. When I am talking about "very basic", its all about promoting products or services, traffic, SEO, and lists. You just need to research about these things and you are good to go..
Keep your money and start learning. A college student needed to go to school and study 4 to 5 years to get a job that pays lower than what a successful IM is earning. Why it is so hard for you to give at least 6 months of learning while starting to earn?