When I get a chance to make a proper film, I want to be able to pay people.
Okay, let's look at your film. Let's say you are paying everyone (cast/crew) $150 per day and that it is a 20 day shoot. I'm assuming you will have a skeleton crew:
director, cinematographer, gaffer, soundman and PA. That's $750 per day x 20 = $15,000.
Lead actor, actress, plus 3 supporting actors on an average day. X 20 days is also $15,000
You're up to 30K, before you factor in:
Caterer and food.
Sets and set builders
Costumes
Props
Gas and lodging
Equipment - do you already own or are you renting?
Do you need a makeup artist and supplies?
Insurance/permits
Post-Production:
Editor
CGI artist
Marketing/film festival costs.
Yes, paying people becomes a large part of an indie budget.