"Trading time for money"
My creative/artist friends amaze me because they have mastered the art of income diversification (freelancing, multiple P/T jobs, selling stuff on CL, babysitting). While not in the realm of Pavlina's success, they seem to be unafraid of the two things most white-collar professionals may be most afraid of: 1) being laid-off or fired and 2) quitting your job (because they have done so many gigs). Yes, they squeak by but they get by.