Yeah, dirt removal in california is a FORTUNE! No way around it. A dirt and rock bin is now getting up to $1000 for 5 yards from some rental companies. No one wants clay soil, and you definitely want heavy machinery to do the work, especially for a front yard with good access. A sod cutter only works when you are removing, just the sod. Go into the project assuming you are looking at $25K or so and you may be pleased if you can save some money.