The main question to ask here is "Why do people use my product or service?" If the answer is functionality, cost, or a variety of other reasons, then starting with a simple design and getting your product out there quickly is the best path.

If your answer is "All the other sites are boring, old-fashioned and uninviting" or you are simply coming in as a luxury brand in a space, then investing heavily in design is key. However, there are cost-effective ways to do this as well, such as creating digital mockups and gaining feedback from potential customers and investors prior to the full design work.

Let's chat further as I work with some very skilled designers at every level of your budget.