The second (and cheaper) path assumes that you have the design and dev chops yourself to build your dream software. Naturally, it’ll take more time to get your product off the ground, but being able to bootstrap the development of your software lets you retain more ownership in your business and be more in control of your path, making this a lower-cost, but higher time investment to make money selling apps.
Affiliate marketing is a big and profitable industry that covers a wide spectrum of topics and fields. If you have got an interest in fitness, you can make money promoting fitness videos or courses e.g. videos to loss your weight. In fashion wear, you can earn commissions by recommending friends to clothing or t-shirt of companies which are offering affiliate programs.