Ok what would you do? I'm 39 and up until now I have made a living off of playing music . It's been strictly cash all my life and there is no 401k or social security for me. I know all this time I should have been preparing for the time that I would no longer be able to play and would need income, but that's not how it happened. Today I asked myself "what would become of me if my wife (bread winner) and I divorced? No resume, except for musician, and no income for retirement . It made me think if I got a Real 9-5 job today, would I have enough time to save / invest so that I won't have to be greeting people at Walmart when I'm 75? Social security is not a answer for me because I've got nothing invested in it. I was thinking perhaps own some small rental homes once I save to afford it but even then it's not a steady guarantee of income. So I pose the question: Is it too late for me? Would working for the next 20 years secure me at all? What would you do?