The first step is to get a team together. From there it’s problem solving, which never goes out of style.
The folks above correct that you need adult mentors and to get your teammates invested.
Our teams have done sponsors and old school fundraising. Fundraising was harder work but we made more. Look up Eagle Scout fundraising projects for ideas.
There is a good thread on the coaches Facebook group that has the listing of parts needed to start. You can get a far way with $3-4K or so (excluding worlds). The field and elements add a lot to the cost but if there are teams in your areas you can share with, you may not need it immediately.
If you get started now and add 3-4 folks to your team, you can raise it before summer is out. Sweat equity from fundraising helps to get teammates invested.
Also, reach out to VRC coaches and Event partners locally. They will help you succeed.
Keep coming back here too. Many non-school teams are here to help.