Please help me with my website?

I am 13. Over the summer, I want to start an online business. I am currently taking a Business Camp at my school. My ultimate goal is to make six or more figures a year, and become Financially Independent. I know it sounds crazy since I'm only 13, but it is my dream.

I have 2 major online business ideas that could work, but I need help choosing the one that would make the most money.

1. My first idea is a website where free users can submit original songs and other users can listen, rate, comment, share, and chat with other users. I would also have an area where users can post info and another area where bands can find new band members. To make money from the site, I would sell ad space, sell an ecourse on songwriting, and maybe creating a pro membership if the site becomes big enough. I have a problem though. Since I have no coding experience, I would have to hire a web design firm to create the site. The problem is that it might cost a lot ($100,000) to create the site. If it does cost that much, should i hire a programmer from elance or something like that? Thats how the website Digg was created. If it still costs a lot, should I have my parents apply for a loan from SBA?

Overview of #1:

Target Market: Musicians, Bands, Independent Artists, Songwriters.

Revenue: Ad space, Pro Membership

Costs: Website, Marketing, Website Matinence

Type of Business: Online Business, Online Company, Service Business

Idea #2. This idea is a basic business idea. I would create a basic website (not a webs.com type of site, but not a huge firm site). I would join a well reputated wholesale company that sells and dropships musical instruments. I would list the products on my site using an eccommerce section, and allow customers to make orders. I would price the products to make profit. When I get an order, I send the order to the wholesale company, and they ship the products within 24 hours. They are most likely always in stock, and will notify me of any problems.

Overview of Idea #2:

Target Market: Musicians, Bands, Independent Artists, Dj's, bass players, guitarists, drummers, keyboard players, lighting people, record producers.

Revenue: Profits from Products, Advertising on Website

Costs: Dropshipping, Cost of Products, Website, Website Matinence, Marketing

Type of Business: Online Business, Online Company, E-Tail Business, Retail Business, Ecommerce, Product Business.

Which idea do you like the best? Which idea do you think is most profitable?

If you think #1 is the best and most profitable....

Why do you think that? How should I build the website? Will the website cost a lot? Should a get a loan from SBA? Would people like this site?

If you think #2 is the best and most profitable....

Why do you think that? Do you think it is a good idea?

Please help me. Even if you don't think any of these are good ideas, if you had to choose one, which one would you choose?

Thanks!