Brought to you by the Every Dollar app. Start budgeting for free today.

I'm an independent songwriter and music producer, so my income is very inconsistent, and I've had a lot of good years and a lot of bad years.

So me and my wife have been okay with that kind of inconsistency and income.

Until last year in December December our baby had to be

delivered extremely prematurely and at the same time my wife was diagnosed with lupus so both

our baby and my wife have been in the hospital pretty much all throughout the beginning of this

year with all of this kind of medical uncertainty basically basically, that we're going into with this,

I am trying to figure out if I have the option to do something called a catalog sale,

which in music is kind of like selling a business,

it's just getting a lump sum for all of the songs that I've made.

And I have the option to do that,

and I'm kind of wondering if it's a smart

move to just take the sale and invest that money and live off of the interest or if I should

just keep working and try to maybe find a way to make my income a little more consistent.

Nate, I'm sorry you guys are going through this.

It rocks your world when the baby's sick.

And when mama's sick, too, it's double.

That's a tough, tough thing.

And when you're an artist, it particularly is rocky.

So as you guys, as you know, I'm in Nashville.

And so I've got lots and lots of friends in the business that

have sold catalogs, and so I'm fairly familiar with it.

...