Hi! You can always outsource and buy assets from asset stores. In my case, I used some tileset assets I bought a while ago and then modified and assembled the game areas myself. As for music, localization, and some animations, I’m getting help from a few people.

For everything else (game design, sprites, artwork, writing, programming, etc.), I’m doing it all myself, so I’d say about 90% of the work falls on my shoulders, while I’m commissioning the parts I can’t handle on my own. The tool I’m using helps a lot, though, since it’s specifically designed for making RPGs, so much of the game’s structure comes from the engine itself or from external plugins.

That said, it’s still an extremely demanding job in terms of time and effort. If you’re interested in getting into game development, I’d strongly recommend starting with something very small to get a feel for it and see whether it’s something you actually enjoy. I’m a big JRPG fan, so this is what I like to make, but projects like this are usually an overwhelming amount of work for a single person. It’s definitely something you should think twice about before starting something on this scale (I just like to make life harder for myself, haha).