Advice to young writers

John Scalzi offers some unsoliticted financial advice to aspiring writers (and to other creative types):

Why am I offering this entirely unsolicited advice about money to new writers? Because it very often appears to me that regardless of how smart and clever and interesting and fun my fellow writers are on every other imaginable subject, when it comes to money — and specifically their own money — writers have as much sense as chimps on crack. It's not just writers — all creative people seem to have the "incredibly stupid with money" gene set for maximum expression — but since most of creative people I know are writers, they're the nexus of money stupidity I have the most experience with. It makes me sad and also embarrasses the crap out of me; people as smart as writers are ought to know better.

The following advice is not complete; there's lots I won’t be covering here. Some it is repeated from things I've written before but are so far down in the archives I know you'll never find them. Some of this advice may not apply to you; some of it may apply to you but you may be too delusional or arrogant to acknowledge it, or you may decide you don't like my tone and ignore it all because of that. Most of it is applicable to writers who are not new, too, but I don't know how many of them are interested in taking advice from me. This is US-centered although may be generally applicable elsewhere. It's meant for writers but may have application to you in other fields; decide for yourself.

I do not guarantee this advice will make you a more successful writer or a better human being. Follow this advice at your own peril. That said, know that it's generally worked for me. That's why I’m sharing it with you.