To be fair you don't need anywhere near that amount of money to make music these days.

A pirated version of FL and a $100 condenser microphone and you're more than able to make decent quality tracks.
Work your way up to a fully featured studio, because frankly if you can't make decent music with an absolute bare bones setup an expensive studio isn't really going to help you.

Source: I've produced music for almost a decade now, Started with a laptop and headphones and worked my way up to monitors and midi keyboards.