Your time is very expensive. A good podcast is a full-time job. Some can be pulled off as a hobby, but most of my favorite podcasters are either full-timers. For a living wage in the US, that's perhaps $30-$40,000 a year... which is a lot of mattresses and underwear to hawk, or a lot of donations to cajole. Which requires even more time spent managing that, tipping it further to being a full-time job.