Quik, you need to learn the advanced technique called sarcasm.
And , well, yes cash does help, in a way.
Even though everything you would need to make models is free on the interwebs, you cannot deny, photoshop is a better route then gimp, and max is a better route then almost all modeling programs besides blender, and the reason i exclude blender, is because it is a whole package, not just a modeler.
Blender,Max,Maya,Zbrush,Photoshop will be the programs you see used the most in the digital arts industry.'
Although you dont really see maya around here.
But you dont need money to get max, you need a student email :3
Still, you cant sell the models made with a student license.
So yes, $$$+Skill=$$$$$$
im not saying Skill+Free doesnt=$$$$$$
but you probably wont get as good quality work done in the same amount of time.
But, a good route to take would be.
Skill+Free=$$$ >>> $$$+Skill=$$$$$$ >>> Skill+$$$$$$= etc...
Sounds easy, but its not
Keep in mind im the furthest thing from experienced in here, so
take what i say with a grain of salt.
Josh(Great Lowpoly and cartoonish textures)
Henry Ham(Great models,Awesome textures)
Asteric(Great High-Poly and Textures)
Mazz(zbrush)
Neodelito is the best person ive seen use Anim8or
Lazerus has a pretty cool unique style(Hand drawn textures)
are some pretty good artists on this forum.