QLORA is the gold standard for more affordable training.
As for datasets, just look at the open datasets the best-in-class models are using, like Vicuna or https://huggingface.co/NousResearch/Nous-Hermes-13b
Some model datasets like Manticore, Chronos or the infamous Pygmalion are more "secretive," but you can find the dataset gathering scripts on Github or in community chats.
You can easily finetune 7B or 15B LORA model with that on consumer GPUs.
It's a rabbithole, and unfortunately there's no good shortcuts.
There are startups that do finetuning on your own data, but with zero hints on how to preprocess your data and absurd costs (both upfront training and GPUs for serving inference) that's it's extremely difficult to argue from a customer business perspective compared to just using an API.
Vapourware GPT startup inc is valued at $2bn the afternoon after you form the company and buy your first macbook.
Actual usage of Ai, fine tuning etc. I can offer you $100,000 for 30% of your company if you can demonstrate a fully working product.
If all you have is an M1 or whatever, ya, you need a real workstation and depending on your use ChatGPT might be cheaper/better.