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You can't have your cake and eat it to. If you want free, build it yourself. Lots of guides out there.

And it's only free if your time is worthless...

Only for first time. If you are already experienced, it's not so hard to setup a server. Or you can hire a freelancer to do the job for you.

Can literally go from any Linux to a mail server in about 15 minutes if you can read.

Maybe an hour of pausing and rewinding a YouTube video on the subject if you are a millennial.