I do recommend you see the following:
You can also try to self-host it:
Discourse is certainly in the list, but it isn’t free if you don’t want to install and set things up yourself. Since you have stated that you’re just starting out (and don’t have much money), it will be very difficult as you need money to host (and migrate it sometimes). And I agree with @darkpixlz that you will love Discourse, and I am sorry for your position right now.