First off, you're on the wrong forum for this question my friend. While there are some heavy hitters in business here, you're not going to get the advice you're seeking.
Second, at this stage you're asking the wrong questions. You don't even have money for employees, so why are you worried about them? What you should be worried about is building a product/service for a customer that wants to buy it. Once you found that, you want to be worried about how to scale that, without employees, to gain the cash flow you need for employees. Until then, don't even worry about it.
Startup incubators are worth it for a particular style of company, paticuraly venture backed, hyper growth companies. If you have no plans of exiting or going public with company, in 3-5 years, then build a business the way everyone else has in the history of forever - sell more than you spend, have cash flow, reinvest the cash for growth.
Also be aware of the size of company you want. Mo' money = Mo' problems. You can build a very large private company without an incubator. You can also build a large lifestyle business without employees and have a kick ass life. All depends on your goals and what you want.
But first, worry about creating something people actually want to buy.