Don't be so sure you can't do something now. It isn't very hard to set up an LLC or an S-corp, and it costs almost nothing, assuming ~$150 isn't much to you. Save the money you would have used buying a few books and use it to actually set up a company for yourself. Then you can get started with the IRS and an EIN so that you can have a bank account. That's pretty much it at first. Then you can build web products under the LLC and take it from there.