Are you a Creative?

Do you make something for the rest of the world to read, see, hear, or consume? Are you an artist, a musician, an actor, a writer, a blogger, photographer, videographer?

It doesn’t matter what your “art” is – you are a Creative.

I have four words to say to all of my fellow Creatives out there:

GET. OUT. OF. DEBT.

It doesn’t matter if you have a little debt or a lot – it is killing you. It’s a weight holding you down, preventing you from giving your best to the world – and we need your best.

How many of you went to college and racked up a massive amount of student loan debt to complete a degree in the arts? I did. By the time I finished my sophomore year of college, I had racked up $25,000 in student loan debt. Ironically, I was working so much as a freelance musician, teacher, and retail associate that, along with my partial scholarships, I could have paid the other half of my tuition out-of-pocket and keep my living expenses paid (as a matter of fact, when I “woke up” in my junior year, that’s actually what I managed to do, but the damage was already done).

Did you put your instrument, your camera, your computer, or maybe even your art supplies on a credit card? Did you borrow money for a car? I did – two cars, actually, and the first one was somewhere near 30% interest!

It may feel normal, but debt is preventing you from making your greatest contributions to the rest of the world.

Debt is making your career decisions for you.

You didn’t make a bad decision by studying your art or your craft – you simply made a bad decision with money.

How many of you took an 8-5 job after you finished your degree because you had to pay the bills? What opportunities have you turned down over the years because you had the weight of your debts hanging around your neck? How many of you have quit your art because you have to spend so much time making money at a “real job” instead of creating?

What would you do differently today if the obligations of paying the minimum payments to which you are so accustomed weren’t around anymore? Would you move to a new city? Take a more enjoyable job? Would you quit the 8-5 grind? Would you start creating again?

Debt sucks.

Debt may be normal in our society today, but I don’t care. I know from personal experience how damaging it is to our creativity. Make the decision today – declare debt to be the enemy of your art.

“How can I possibly live without debt?”

A year and a half ago, my wife and I made the decision to declare debt as the enemy of our art. Since then, we’ve gotten on a budget, told our money where to go, and paid off nearly $30,000 in student loan, consumer, and car debt. We are on a plan to be totally debt free within two more years.

No, we don’t make six figures. No, we don’t live rent-free with relatives. We simply have sacrificed, planned, and made the decision to change. We still have fun, even on a budget; we still eat awesome food every now and then. But we have decided to make our own decisions about what we want to do in life, not let the crushing weight of our debts make those decisions for us. It can be done; we are living proof.

The world needs your creativity. We need your art, your words, your music, your voice. Please don’t let debt stifle it anymore.

P.S.

If you want to know how we have been so successful in throwing off the yoke of debt, please feel free to reach out to me here on my blog or at any of the social media sites listed on the home page. I have a lot of resources I’d love to share with you, as well as some awesome people you should listen to. It would be my pleasure to talk to you.

We are big fans of the Dave Ramsey Baby Steps as a roadmap for getting out of debt and building wealth, as well as his company’s EveryDollar budgeting app for keeping track of your money and telling it where to go.