Being a freelancer, I do not have the benefit of having a corporate pension or 401K so I manage my own money. Why save for retirement? I hope by the time I retire, they will have invented an exoskeleton I can buy so I can suffer through geriatric disease without the death curse of a broken hip. ZING!
In most cases, if you ask an market investor the annual growth they are expecting, it's safe to say, probably 4-20%.
So, for $1000 invested, they expect for it to grow to $1040-$1200 in a year's time.
On a long enough timeline, there are no, or very few fund managers that average over 15%.
However, as an artist, I have frequently invested a few hundred dollars to a couple thousand dollars manufacturing product and broke even, if not exceeded 200% return on investment over a year's time.
So, for $1000 invested, as an artist, if you can sell $2000 worth in revenue in a year's time, you've earned 100%!
Certainly, there's work, art time, shipping, taxes, etc but overall, for some extra cash, it's not a bad deal.
When I first started creating product, I was working for $10 an hour. I paid $300 to get a few dozen tees printed. Breaking even was not that difficult.
Starting small is a great way to start the decision making process, learning how to become confident in placing your bets.
If you are an established artist with a proven popular products, what's stopping you from selling direct?