Constructive advice:
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It's great that you have an idea. As you may have noticed from the previous posts, many people have had ideas before too.
This guy had an idea too, and he got his off the ground and launched: https://medium.com/@cliffordoravec/...-from-scratch-by-yourself-part-1-4d834e1df8c1
Read that, read part 2 and part 3 and part 4 too. Learn from people that have been there before.
BECAUSE YOU BUILD IT DOES NOT MEAN THEY WILL COME! You are not Kevin Costner
Seriously, if you don't bother reading that link then put your idea on the shelf and forget it.
Next; You're so sure of your idea that you're willing to put money into it, probably morgage your house and downgrade your car because, "This is an idea that is going to make MILLIONS". Well, if it is going to make millions then INVEST IN IT, put your money where your mouth is. If YOU are not willing to do that then exactly how good is your idea again?
These are hard questions but be honest with yourself. If you'er willing to put your money down then it shows those that you also want to involve that you're not another "I have an idea and want you to build it for a share but I forgot to market it so it's going to tank anyway" people.
Without budget you have no marketing. Without marketing you have no presence and customers. Without customers you have nothing.
I'm still believing that you have a great idea, so stay with this.
If you're getting upset with what you're reading and think you can skip some of these points then that's your consciousness telling you that maybe your idea isn't too good.
Go re-read https://medium.com/@cliffordoravec/...-from-scratch-by-yourself-part-1-4d834e1df8c1
Read part 2, 3 and 4 too (links at the bottom of each part).
Know your market.
Know your competition.
Know who you're going to market it to.
Know how you're going to market it.
Know how you're going to make money off it. (more below)
Have your business plan done.
Start marketing.
Get Users.
Now, think of development.
Find developers, call up their references
Contact agencies (you said it will be a money printing machine, right? sell your car, morgage the house, etc).
Share the idea with developers (plural) and PAY THEM FOR FEEDBACK! (You get paid to do your job so pay them to do theirs.)
Consolidate the feedback and get a development plan.
Approach developers (plural) again and get quotes and timelines.
Think MVP - read https://medium.com/@cliffordoravec/...-from-scratch-by-yourself-part-1-4d834e1df8c1
Get them to do the least amout of work that you need right now.
Keep marketing.
Know how you're going to make money off it:
Specific to "I'm going to get 20Million users and someone will buy it from me":
This is not a plan
Know how you're going to get the users. Know how to put a value on eacch user/business.
Set out a detailed description of why someone would pay for the users.
Know who you would sell it to.
Possibly approach them and ask if they would be interested in what you would like to sell them.
Know exactly how you are going to make money, monthly charge (what rate do you charge?), in 'app' purchases, yearly, per transaction, etc..
Know WHY people will want to pay for it. Again "I think they will" is not an answer, go out and ask people, get those 20 "Heck YES!"
It's a long road ahead but remeber, your idea is a money printer so it will be worth it.
Get the marketing started before thinking fo the development.
This is very good advice.
Anyway, good luck with your endeavor
