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use figma to create prototype, learn it on your own - 0 cost
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Setup website with few pages - landing, features, about, refund, privacy, pricing
Get a college kid intern to code it, if you got connections, this could be free 😔
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Make sure the signup page asks for credit card or some form of token payment if not full.
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Show the prototype demo video on the website landing page.
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If people are paying (also means signing up) you have early/gut PMF or not.
Of course refund people who paid since you don't have a product yet.
Everything else is just excuse.
When you actually achieve gut PMF (i.e people wanting to pay for a product that don't even exist), then start building founding team, then build a minimal version of the figma design, not full, raise funds and rock on.