The only way to come out of folk music with a million dollars, is to go into it with two million dollars. Get a trade first. Something that not every one can do..Mortician comes to mind...then, indulge yourself in music. If you make it..great. If not, you have something to fall back on. My main career was as a conservation officer. I'm now retired, and I can work when I want, IF I want. I can do a tour of folk clubs in Scotland, and make enough to pay my way, and I dont have to worry about it. This late in life, there is not much left for me but to enjoy it!!