Financial responsibility has plagued creatives throughout the history of the world. In art history courses, we learn about famous artists who died penniless and in mental despair. It’s no coincidence these two spheres—creativity and money—are constantly at odds for many graphic designers, especially in these uncertain economic times.

What are the signs a designer isn’t managing his financial future correctly, and what’s the remedy? For this issue, we presented the question to certified financial planners and certified public accountants across the United States. We found a wide array of answers, but the following were mentioned repeatedly…