Everything you need is available to you, whether you have money to spend on your dream or not. So the rest is entirely up to you. Nobody else is going to make your game for you, so take a look through the links below and make a start. Like I say, I wanted to do it, so I did it. I won't say it isn't hard (sometimes it's horrible), but nothing can beat hearing someone say they bought a game you made and loved it. Just imagine that.
Want to get started? Here are some helpful links:
GameMaker: Studio: Professional-grade 2D gaming
Unity: 3D and 2D gaming with advanced capabilities.
GameSalad: The program I use so I can personally vouch for it.
Quest: Great little text adventure-making program that we used to make our Modern video games as text adventures version of Heavy Rain.
Scrolling Game Development Kit: Basic platforming game template. I fiddled around with this for a few hours before I discovered GameSalad.
Clickteam: Game creation software with a demo version that powers commercially-available apps.
The 3D Game Maker: Lets you play with pre-made scenes and ready-made 3D objects to make your game "in seconds".
Blender: Free 3D creation tool that can be used for both commercial and non-commercial purposes.
I would recommend you visit Adobe and try out the free trials of Photoshop (the Elements version is cheaper and still versatile if you're on a budget).
There are free alternatives like GIMP and, if you have a Mac, Pixelmator is incredibly close to Photoshop in terms of functionality, yet at a fraction of the price. It even opens and edits PSDs. Amaze.
And for music:
I used a mix of Garageband (which comes free with new Macs and is cheap and easy to use on iOS) and Logic Pro for Mac, the latter of which is professional quality recording software. Both come with loops and pitch correction to get you started and the results are amazing. I use version 9, but Logic Pro X is out now too.
For PC users, Cakewalk Music Creator is a comparatively cheap multi-tracking program, and one that I used to use for home recordings before I bought a Mac.
For basic audio recording and editing, you can't go wrong with Audacity, which is both free and awesome.
Hope that helps get you started. Let us know how you get on in the comments.