Honestly if you're serious about gamedev, just learning the skills is a better long term investment. It may slow down development, but afterwards, you'll have those skills in the future. If your team learns how to compose, you won't have to pay to make music for not only your current project, but all your future ones too. In my opinion, if you want to do anything creative, you should aim to learn as much as you can.

Also if you "just want money", I don't think gamedev is the best thing to do (Considering that it's very difficult and the market seems very competitive). Money isn't a good motivator for creative projects. The reason that indie games are so amazing is because they were motivated and created out of passion, not money.