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INTRODUCTION,
PART I: Creative Finance,
CHAPTER 1: Passionate People,
CHAPTER 2: Creative People ARE Different,
CHAPTER 3: What I Did for Love,
CHAPTER 4: Investing is Boring!,
CHAPTER 5: When Money Blocks You,
CHAPTER 6: The New Renaissance,
CHAPTER 7: Carnival Barkers and other Silver-Tongued Devils,
CHAPTER 8: The Corner of Money and Art,
CHAPTER 9: An Invitation to Abundance,
PART II: The Starving Artist,
CHAPTER 1: Money is Worthless,
CHAPTER 2: The Corporate Artist: How Creative Can You Be If Money IS an Issue?,
CHAPTER 3: The Self-Employed Artist,
CHAPTER 4: The Affluent Artist(tm) Jack and Diane,
PART III: Financial Stuff You Just Gotta Know (A Play in Ten Acts),
ACT 1: I Don't Have it but I Want it,
ACT 2: It's a Wonderful Life (What I can do with My Money),
ACT 3: You've Got to Live Somewhere,
ACT 4: Off to the Stocks with You,
ACT 5: Get a Goose that Lays Golden Eggs,
ACT 6: Very Interesting,
ACT 7: Hunt in Packs,
ACT 8: Insurance? We don't Need no Stinking Insurance!,
ACT 9: Stuff I didn't put Other Places ...,
ACT 10: Leaving a Legacy,
CONCLUSION: The Affluent Artist(tm) Method,
Passion! As I interviewed creative people from all over America, I kept coming back to this word. Passion is what drives you, it fuels creativity. Passion makes you get up and strum a new melody into a tape recorder at midnight or play in a pool with dolphins when it's too cold for any sensible person to swim. It's the very essence of a creative person. No matter what your art form, your profession, or your success level, you are passionate. One creative person I know just refers to all creatives as passionate people and after all of my research, I can't come up with a better description. In a world where most people are content to get a paycheck, benefits, and vacation, you are passionate about your work and that makes all of the difference.
It's hard to imagine the toll-taker on the highway, the clerk at the convenience store or the guy selling cars as passionate about their work, isn't it? Are they passionate about something else? Do they just have a nine-to-five to support their real passion or is life just passing them by? The more I talked with creative people, the more I wondered what sets them apart. Why live life on the road less chosen — what compels someone to identify himself as a creative person? Even in writing this book, I read all the articles that told me not to expect to earn any money as an author, talked with consultants who told me it wouldn't help my financial planning practice, and dealt with the fear that accompanies putting your deepest thoughts out there to be judged by others. But you know what? This book was in me and it had to come out. I literally couldn't help but write it. In short, I am passionate about the people that I help and about the things I want to tell you!
THE CREATIVE CLASS
Have you been told all of your life that you are creative? Have you always liked to color outside the lines? Are you lucky enough to have a job that relies on your imagination? Or do you wish you could have a job like that? Is there an inner artist in you desperately trying to escape? Is he making you crazy? Have you tried to leave art alone, to be more "normal" but you just keep coming back to it? You are not alone, and I'm happy that I found you!
As we emerge from a manufacturing economy to one that is information-based, the number of people who are paid for their vision, their wit, and their artistic ability is growing. Richard Florida, in his book The Rise of the Creative Class, says that over thirty percent of the U.S. work force can now be defined as creative. Some of these people are fulfilled and happy, almost too busy and excited about their jobs to worry about mundane things like personal finance. Others are frustrated because the constraints of their employment are holding back their creativity. They live for the day when they can express themselves fully and without compromise. Somehow life has gotten between them and their creative process, and money poses a question they can't answer.
Traditional artists — people like painters, songwriters, actors, and authors — are no longer out of the mainstream. A person who is designing a video game based on a movie is just as creative as the person who wrote the movie and as the person who acted in it. That cultural phenomenon, "the starving artist", isn't so common or even fascinating anymore, thanks to the Internet and technology. Creative people are finding all kinds of ways to become wealthy. Those that have not become wealthy have more opportunity to get paid for their art than ever before.
CREATE NOW, PAY LATER
In my experience, many creative people have problems with their money. I don't mean they are broke, at least not all of them. I don't mean they are incapable. They definitely are intelligent and quick to catch on to things. For a variety of reasons, however, many creative people either don't care about money or don't want to deal with it. In our credit card, buy it now-pay for it years later, consumer-driven society, personal finance is not a subject that people like to dwell on. For many people whose passions are centered on their art, money is just one of those things to worry about some other time.
I wrote this book because I am fascinated by the creative process and by the amazing people who are driven by their own creativity. I love those people who color outside the lines with their lives, those people who call themselves artists. Maybe they don't all paint, or act, or sing — maybe they are hair stylists or graphic artists — but the point is something inside them has to come out. They just can't help it! These people would no sooner stop creating than stop breathing. I admire their talent, their enthusiasm and their passion. If you find someone who has liberated her inner artist, you find someone who is interesting to have in your life and an inspiration too!
WITH RESPECT
Often when you meet a truly creative person, the combination of energy and enthusiasm that bubbles up from within is infectious. As a very bad guitar picker, I envy the truly creative. I got the "good with money gene," you got the fun genes. At least I get to listen to your music while I do a financial plan. Thank God we are there for each other!
As I work with talented people like you, I've come to respect your fragility. I know how hard it is to put yourself out there and possibly have your creation rejected! It is awful to be told that something you transmitted through your soul is not acceptable because of commercial considerations. It takes courage (or at least innocence and naiveté) to put your creation out there and hope it doesn't get shoved back in your face.
The excess we often attribute to artists is this fragility brought to life. Your creative existence often depends upon the subjective whims of others. Somehow, we have come to think of the "true artist" as someone who doesn't care what other people think. They are satisfied with the purity of their creation and don't care if they find an audience. This great conflict between artistic integrity and finding...
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