An old college friend once said to me, “I won’t make a photograph unless someone pays me.” The sad part was that he never made a photograph since then. As is often the case, you need to spend money to make money. A simple photography scenario would be, to sell a framed print you need to make a framed print, and that can be expensive. If we include other related costs, such as travel, equipment, accommodation, we may become terrified at the expense and never make another photograph, but that is the price of creative freedom.
The moment you choose to make money from your photography is the moment it costs you.