I agree with this.

Create a basic requirements sheet - do some wireframing - get devs to code what you want. You can focus more on learning the product part instead of development.

If you know some basics about development: For Auth-payments-and all other similar services, use free tier of other providers. There are multiple services handling these functionalities so you don’t have to spend time on this.

If you do not know coding and just want to try out something on your own: check Thunkable. Not too much flexibility, but good enough to start.

If you need any help, feel free to DM. I help with MVPs