Code On The Go Or Build A Design First?

Hey, im new to coding and pretty much don't know anything about UI/UX. I wonder if its much better to design first in figma before actually coding or do you guys sometimes just code on the go??
The problem I am having is that I tried learning and making a design first but I spent days just on navbar and hero section alone, I just cant seem to enter my flow state plus I have to learn how to use figma from scratch like the auto layout that everyone recommend to use. And I just cant enter the flow state when actually learning figma too. But when I was building a website, I find it more enjoyable and things or ideas will just pop on my head. Which would be much faster for me than building a design first. Although, that website was just for fun and trying to explore stuff in coding. Now what im worried about is when it comes to business, of course clients will have preferences on what they want their website to look like. And do you think its a lot of hassle if they request changes on what it will look like without the design and i just showed their website with already build on code? Also wont the rate more expensive since im building the design and coding the whole website too??
TL;DR: Code on the go or build a design first? stuck making a design rather than coding it into an actual website. Worried it would be a bad practice if i wanna do business in the future.
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