You might want to consider charging more and retaining some income to cover professional fees. That said those fees don't need to be huge. We typically pay our lawyer and accountant less than $1000/yr, and we have more business and more complexity than you'd have starting out. Note that these folks aren't doing actual accounting and contract negotiation for you, just providing advice on how to set things up, on fine details, final agreement review, taxes, stuff like that which you can't get from Wikipedia and SO.