Ask HN: How would you spend $3000 a month for a year to create income?

I you had 3000 US$ a month to spend, for a year, how would you plan that money if you wanted to create a few (2, 3) online apps or something to generate a reliable income stream, generating, say, 5000$/m? Assume I can do some programming myself, but not all. Same with other tasks.

Another way to ask this: which parts of creating apps is it most efficient to spend money on. For example: a great visual design can be expensive, but you only have to (mostly) pay for it once. A few hours of a great (expensive) programmer can be better than a full time mediocre one. Marketing expenses should be x% of the budget. What types of apps would you focus on? And so on. All advice welcome!