No. Lots if professionals riders don't even own the horse they ride. It's a commen belief you have to have money but really you make more off of catch rides. That's how you make money. You are paid to ride other people's horses
yes of course, when you have a horse or horses you need to pay for its food, shelter, tack, vet checks and much more. SO YES YOU NEED MONEY
Yes...you need some money!
I wish the answer could be no, that hard work will get you anything you dream off!
But realistically, yes you need money, and a lot of it!
I'm sure it is possible though but it would be a tough road!