I have a 2000 Mustang and I would love for it to be a convertible, but
monetary problems prevented me from buying and insuring one. Is there
any way, in my area, I can somehow pay someone to convert it?

I am absolutely no expert, but do know that structural stability of
automobiles is  dependent upon the whole chassis, that convertables
require additonal structural support that the same model hardtop does
not have.  For us laymen, for example, if you cut the top of your
Mustang, with the doors open, there isn't going to be much to keep it
from sagging in the middle.
As to the insurance, if that is more expensive for a convertable, you
can be sure that if you ever have a claim of any type, the company is
going leave you holding the bag, even if you are not at fault.
If your state has any kind of auto inspection, it will also cause you problems.

Sure, you can always find someone who can cut the lid off, but I
expect that any responsible outfit will refuse to do so.  At least I
hope so.

thanks!

And thank you for saying so!
So often, questioners do not respond.