How do I transfer money to USDT?

I'm a bit confused about how to transfer money to USDT. Could you please clarify the process for me? I've heard that it involves some sort of exchange, but I'm not entirely sure how it works. Could you walk me through the steps? Also, are there any fees involved in the transfer? And how long does it usually take for the money to arrive in USDT? I'd really appreciate your help in understanding this process.