I'll assume that you have an idea for a business, you've determined that there is a paying market for it, and that you have determined how to generate revenues from the product. You're now stuck at the point of needing to both develop the product or service, and figure out how to deliver it to your market while managing the entire business.
As Jesper points out, with little or no programming experience at the age of 22, you're unlikely to become a star programmer anytime in the near future. Sorry, just doesn't happen. The advice you were given regarding HTML is a bit flawed - few websites today are built using pure HTML. The vast majority are running a variety of other technologies on them - CSS to start, JavaScript, PHP, SQL, Ajax, jQuery to name a few.
As such, from a technology point of view, you'll be better off hiring someone else to do the technical side of your business (or finding an appropriate co-founder).
In regard to starting a business, Jesper gave a nice description of the legal process. However, I will assume that you are referring to running a business.
If you have no background in business, you can still learn to run your own company. However, you will likely learn many lessons the hard way (by making known mistakes). You should find a mentor who can help you in this regard - SCORE offers some great resources to help you run a business. You could also look at some blogs or other websites that have business resources. You may want to start your own (it's what I did, and now my site contains over 200 articles on the subject of running a business).