What’s this white stuff??

Hi world. I’ve just recently started trying to grow a couple clones I got from the kind love dispo in denver. 2 different strains (pura vida and og lime) I’m starting this thread because I know absolutely zero about how to do this right. I’ll post some pics of my setup and the problems I’ve been having already now
So it’s really low budget and I don’t really have a fan. Is a fan necessary? Also in the second picture my soil is very white around one side of the main stem. What is this? Is it a problem? How often should I water these little guys? They’re maybe 3 weeks since I put the clones in the pot. Any help is greatly appreciated!

Yes, a fan is VITAL! I'm guessing that is mold creeping toward your girl. A fan will stop most of that. I'm not going to advise any further, I don't grow in soil. Tried once, for me total waste of time. Switched to hydro and am currently pleased with the results. If I saw that on one of my net pots I'd hit it with peroxide. With your soil/ potting mix peroxide will kill all bacteria, harmful and beneficial alike.

With it being the time of year that it is(I'm in oklahoma) it is way to late to get them outside. You are going to have to find a little money to invest in your girls that light bulb is barely keeping them alive. You don't have to get the best lights to get a decent harvest, although better lights=better harvest, but even the 40.00 amazon blurples will perform better than that bulb.

Look over this guide for some ideas.
Lighting and environmental control are the most important parts of a successful grow,
You need help with both.