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You got it right. People that are willing to pay want to see examples of your work. You have to get started doing whatever you can for free, and you have to utilize as many skills each time you make a site that you can. Maybe you don't have to use a server-side language for a site, but you can think of ways you could do it. So, then do it. Maybe you don't need to go that extra mile for a simple church site, but you can think of ways to make the stretch. Make the stretch. I have been graduated for a year with a web development degree, and I am still doing self-study and working for free. The road to knowing all there is to know about web development is long, and you got to keep busy doing sites whenever you can. Without examples of your work, an employer is blind to see what you can really do.