You can create a free account on WordPress.com to become familiar with the WordPress dashboard. But when you actually begin designing and building your actual website, you will want to buy domain/hosting and use WordPress.org. Otherwise you will need to do some migrating: https://www.wpbeginner.com/wp-tutorials/how-to-properly-move-your-blog-from-wordpress-com-to-wordpress-org/
Most newbies in affiliate marketing make the mistake of registering with too many affiliate programs and try promoting everything they see. If this is the path you are treading, then it will overwhelm you and you won’t promote the products properly. Take time to understand the needs in the market and search for products that will go well with your site’s topic.
On the other hand: the main reason of bankruptcy for small businesses is bad financial management. Simply said: to forget to make invoices, not checking the payments and not following bad payers. 1 out of 3 is going bankrupt for this reason alone. I had to learn it myself. I spend at least 10% of my time with financial stuff. I don’t love it but the bills get payed ;-)
Transcription is one of my part time jobs. I can do it conveniently from home and many of the clients are trainers or speakers. Having money and needing transcription services doesn’t imply you have a secretary. At my full time job the closest we have to a secretary is the CEO’s assistant. She books flights, plans travel, schedules meetings, transports his children, and helps with home renovations. She doesn’t have the time to sit and transcribe work when the CEO can send it to a company or freelance agent for a few dollars.