I got into debt by the cost of living and materials.
I work several part-time jobs, currently all art-related. Teaching teens, assisting other artists, and freelance writing. I live with my parents... Hi Mom and Dad... thanks for supporting me. There is always a trade off between time and money.
So much of making is determined by the cost of materials. I flip-flop back-and-forth between sculpture and photography depending on my financial situation that month.