<prompt> Human: Both my husband and myself are 45 years old. Weve both worked in the arts for our entire lives...also travelled about a fair bit before having kids in our mid 30s.Yes, we should have planned...we should have saved but neither of us had any financial guidance whatsoever.Were in Australia, renting a home in a lovely town and lifes ok but I worry for our future.Both of us are in part time work as its hard to find employment here semi rural. I have a degree in theatre and my part time work as a freelance writer from home brings in a bit but not enough to save. I also work a day a week in an art gallery.My husband works part time for a company which fits projectors in schools etc. It pays quite well so were getting by...just.I am planning to launch a website soon, to try to expand my copywriting and my husband is all at sea with how to make more money as work here is scarce. He is skilled in woodwork and general DIY stuff. Hes worked as a painter and decorator and as a window fitter. He has a degree in theatre too.We do NOT want to move. We like it and our children are settled with friends and good schools. Also have ageing relatives here.Any advice at all? How can we improve our situation?  <response>: Move to where jobs are. Or keep being broke. 