There are, as far as I know, only six realistic retirement plans for full-time, ttRPG professionals in the United States–and calling them “realistic” is debatable. This is not a happy or upbeat list of options, and it doesn’t come with any problem-solving or brilliant insights on my part. This is just the state of the industry, as I know it.
You can think of this as an unusually long #RealGameIndustry entry.
Company Retirement Account
A few of the biggest ttRPG-producing companies have things like 401k programs, a few with some degree of matching funds. It can be tough to put much away in these, as in most cases pay barely covers living expenses, but if you can, and you manage to work at the same company for 30 years or so (which is also extremely rare), it may build up a big enough account to cover you in retirement.
Personal Retirement Account
You can, of course, create your own retirement account and put money in it, with or without some period of time when you have corporate matching funds. This is the “best” option for most full-time freelancers… who on average make even less money (and thanks to paying for their own health insurance and paying self-employment tax often have higher expenses), which makes it even harder to put anything away for the future. And, of course, no matching funds.
Build A Passive Income
Though royalty deals, maintaining ownership or partial ownership of the products you create, starting your own company, or some similar plan, you can try to set up passive income — that is, money you work for once that then keeps coming in. I have profit-share deals with more than 500 products sold as pdfs. Most older files sell only a few copies a year now, but that IS an income that keeps coming in even when I don’t do much or any work on maintaining it. I myself haven’t even gotten this near a level of retirement income, but that doesn’t mean it can’t be done, or at least be part of a retirement plan.
Have a Spouse With A Real Retirement
Yep, this sounds like I am being glib, but I have had multiple ttRPG professionals tell me they only believe they have any hope of retirement because they have a spouse with a solid corporate retirement plan or the spare income to invest in their own retirement account. It would be dishonest not to include this as among the common plans within the industry.
Depend on State Benefits
Be that Medicare, Social Security, Disability, or some other program, I know many ttRPG professionals who just assume at some point they’ll only have whatever the government gives them, and will have to survive on whatever that allows. Most are not optimistic about the quality of life this will allow, and many have tried to make other arrangements, only to have them fall through.
This is honestly the most common “retirement plan” ttRPG professionals have talked to me about – Don’t Retire. Work until they die. Assume that there will never be a time when we don’t have to put in 40-80 hours a week to earn enough to maintain an at-least marginal existence.
I personally call this the “Die at the keyboard” plan.
Speaking of Making a Living
There is an extended version of this article on my Patreon, available only to patrons. You can join for as little as the cost of a cup of coffee a month, and it’s one of my primary forms of support to put out my essays, letters, background, context, and of course game content in an effort to make the ttRPG industry a better place.