You want to know if you're charging enough, what your competition is charging and if you're rates are in line. It doesn't matter what your "competition" is charging.
They tell you that they can't afford you, but they're fucking with you.
What they are really saying is that you haven't clearly told the why they need and want your creative genius.
Don't tell me you have no money or little money to start your business. Go get some money.
If you can't figure out how to make enough money to get started with your business you shouldn't be in business. Period. End of fucking story.
Death and taxes, eh? I know, totally blows.
Instead of wishing that you didn't have to pay them (because they are here to stay) change your perspective on them.