First, never said you were stupid. Its clear you have a passion for these animals. 35 K is a lot of money.. we are just advising that you spend it well. I am just starting a few of my breeding projects now and I am only putting in about 3 K and that is KILLING me, financially. If you have the money, dont get me wrong, GO for it!! You will have a heck of a head start with 35 K, but keep in mind, the more you spend the bigger the risk you are taking. I think I see a thread on here at least once a week asking the same question you asked, and everybody gets the same answer. There are more than enough resources out there for you to learn on your own. Its a learning experience so im sure you will pick up a lot of things as you go as well.
Second, about the punnett squares. I didnt actually need a genetics calculator and never will. In my opinion, knowing how to do punnett squares solves all of that. Why get a calculator when you can learn to do it yourself? I personally am fascinated with the genetics of ball pythons.. and after learning to do punnett squares, its really rewarding knowing how to combine different morphs and knowing the exact odds of what that pairing would produce. Good luck with your projects let us know how it goes