frugalwilady,
We concentrate on apples,cherries, and plums. We are in northern WI, so we are limited by the weather.
Pruning carefully every year, so as not to goof up production for next year. This becomes time consuming as the trees get bigger.
Time spent and money spent depends on what you are growing, any disasters, weather,your location,etc. No way to generalize this for your case.
We do the picking with some outside help. You can't have people falling while picking fruit from trees.
Don't forget the years it takes for the fruit trees to grow until you get suitable yields. In the meantime you have expenses and no income from them.
Also, with the drought of the last couple of years, watering has been more time consuming.
We have to contend with birds,deer, porcupines,black bear, etc. that want a piece of the tree or fruit.
Organic growing is tough...especially with apple trees. Getting nice apples is a challenge.
Mesh for the cherry trees to help keep the birds out...more$.
The list goes on and on, but you should see it's not low maintenance or a get rich quick scheme.
I also work as a mason, so I have very little spare time when the weather is nice.
RF