How to start? [Money Site]

Hello guys.
Can anyone suggest me please, how to create profitable money site. I'm a web developer and I know how to create fast and responsive website but it's only programming section.
I tried create some projects but unsuccessfully with 3 reason:
1. I can't found good niche (always too many competitors)
2. Bad SEO knowledge. (I know onPage SEO, but offPage it's trouble just lost my money)
3. English isn't my native language, so I can't write content for websites by myself


How to start? [Money Site] ^(