Boundel was made by one person, so its possible. With no money you are left to teach yourself.
I would suggest learning Blender and C# and use Unity. There are tons and tons of resources. I have been teaching myself blender for the past 6 months, and I can make some pretty cool stuff. You can also find some cool things on the Unity store.
Just a small clip of a mobile game I hope to put out in about a year - that is part of a procedurally/random generated dungeon that I learned to code myself. I have also added an inventory system, A* pathfinding(for enemies as well as touch to move for the PC) and currently working on the crafting code.
Its a lot of work, but stick to it and you can do it. Other people have. The challenge is to avoid burnout. I worked on this for 6 months - I would work 45 hours a week at my job then work on this game for another 40+. The past 1 or 2 months I have not put much into it due to burnout.
There are haters because they don't know what commitment is, and they want to keep you at their level of complacency.. They put their time in at work, and come home to sit on their computers to hate. Put in 100+ hours a week, and prove them wrong. Only way its gonna happen.