At lower stats, my personal recommendation is to join an existing club and grow your stats and learn more about the game in general. Then once you have a but more experience and higher stats, you can decide if you'd like to start your own club or not. When starting your own club, it's typically hard to get enough members to complete parties, which is where the majority of your cash will come from, and that will prevent you from upgrading and will likely mean members will leave. If, instead, you wanted to make an rp based club, many players don't care about parties and just join for social interaction. So that may be easier, though there are many rp clubs around to join if you wanted. Theres no right or wrong answer but thats my advice.
Do you have a life? If yes then dont try run a club. Getting a club running and up until you have multiple admins for all round the clock....is a full time job that relies fully on you. Your club wont get anywhere if you dont have the time to put into it