If you set an X price, and in your head, you are thinking it's worth more, CHARGE MORE.
Repeat until happy.
There's nothing worse than being stuck in a reoccurring income that you know you could have gotten more out of.
If they say no, it's fine.
Better to pass up on a client than to...
You do know there are done for you solutions for both of these that require 0 coding experience?
Unless you will be doing a large complex ecom or membership site with custom features, no point in doing that.
And you said it yourself that you don't want to trade time for money.
Was at an entrepreneurship conference yesterday.
The founder that was a great dude died last year.
They decided to make collect money from sponsors and give it away(whatever that's called)
Hmm, they will give it to small companies so they can grow and hire more people.
I quote "we...
There is almost no learning curve, that's the thing.
I don't know a single person that runs an online store that doesn't change things constantly on it. Whether it is some text, pictures, products, prices etc.
Are you going to call a dev for that every time and wait a day for it to be done...
Why not do it yourself?
You can get it up and running in a day. It's a drag and drop.
Shopify is extremely simple, plus you will probably have to do changes down the road and calling the original dev is just going to cost you money.
From my limited knowledge about this topic:
If someone is managing 100+ mil he probably isn't looking for crazy returns.
But as its a lot of money, those small returns make sense.
The amount of money an "average" person would invest wouldn't justify the return over the possible risk.