People like you pop up frequently on almost every game development-related forum in existence, but your post is interesting in that you want to make GTA and an MMORPG. There's a reason there are so few high-quality independent games, you know, and it's pretty obvious that you have extremely little experience -- you don't even know what tools you need to create the game's content.
Everyone says the same damn thing to posts like yours, too -- start small, start small, start small. By all means, make games, have fun with it, gain experience through it; but your GTA MMORPG is not going to happen.
How fortunate that my first post on this forum is so antagonistic.