Q. My dad heard you talk about creating iPhone apps to make money. I have some experience with scripting and am interested. I found the SDK on Apple's site, but I have two problems. I don't own a Mac. Nor do I own an iPhone. Can I create and test my apps on Windows? I am looking for something that is free or inexpensive.
—Joseph-Jonathan in Fort Collins, CO, listening on KFKA 1310

A. Many developers have struck gold with iPhone and iPod touch apps. Create a popular app, and earn hundreds of thousands of dollars.

Apple is offering the SDK (software development kit) for free. This allows you to create and test apps. To get your app accepted, you must join the iPhone Developer Program. You must also join the program to test apps. There is a $100 fee to join.

The SDK does include an iPhone simulator. That means you test your application without an actual iPhone.

The iPhone simulator is handy, but you still need an iPhone. You will want to have a thorough understanding of how the phone works. You will probably also want to check out other developers' apps. You should do this before starting on your app.

My recent column covers some of the best free apps for the iPhone. It's a great place to get ideas for iPhone apps.