No money. 2 weeks. That's what I did. I used a study guide app. (HamRadioExam Tech by Roy Watson) There are many other free options, though. Lots of people like hamstudy.org. I spent 1-2 hours a day for two weeks memorizing all the answers on the test. (All test questions and answers are publicly available from the FCC.) I took a real test offered by a local club when I was reliably acing the practice test.