20% is still more than 0%; Save some money out of everything you make. At minimum take 20% out of the money you earn.
Saving money is a necessity. We are taught this since childhood. Most never embrace it though, so lets review and make it more of a focus. 20% of what you make as an entertainer should be set aside to help support that endeavor. Most of our tips here involve having business cards and some form of merchandise be nice to have some cash set aside for that wouldn’t it. What about the possibility of a tour, wouldn’t you want to have some cash set aside for only your entertainment career. I know I would.
Even entertainment aside, setting aside a portion of your income for the varied surprises that life always throws at you is a good plan. Put it away for when you need it. Not when you want it, when you need it. I hate to say it but your life should be run as a business too at least the financial side of it. Running yourself into debt for no reason other than you want that gold plated light-saber with the detachable blade is kinda dumb, cool yes, but DUMB. Planning out your finances is just as important as everything else involving your career and your life.
So put 20% of your income away, save it. Use it wisely and with great care. Don’t squander it on frivolous things. Use it to get help you need when you need it, business cards, merchandise, coffee maybe.