This is a very interesting article. As an ex arts administrator and small business planning course teacher, who has mentored creatives in business and project management, I have an observation to make: while a lot of arts workers may lack various skills in business... https://twitter.com/DangerousMere/status/1265098143432970240

... planning and management, a lot of them also lack confidence and tend to underrate their capabilities in this area. This is especially bad when it comes to finances. Because arts workers are so often financially insecure and have to really struggle to bring...

... in enough income, they sort of become brutalised when it comes to dealing with money. They are terrified of finance. They are smart, disciplined people who have a track record of managing tight budgets and fundraising for their projects, but they are still terrified...

... of money. And this is even worse for any of them who've had to turn to the Newstart payment - their personal terror then gets overlaid with the guilt-tripping, unnecessary complications, and distrust embedded in Centrelink's processes and compliance regime. ...

So the nuts and bolts of financial management becomes conflated with something traumatic. I think this is why a lot of arts people procrastinate when it comes to dealing with their finances. And, as this article points out, they miss out of opportunities that they need.