How Do Musicians Plan for Life Outside the Stage?

Many musicians spend years focusing on creating music, performing live, and building a connection with fans, but there are also practical things that come with a long-term career in music. Touring, freelance work, and irregular income can make planning for the future more challenging.

I was wondering how independent artists here think about financial protection and planning. Do musicians usually seek professional guidance, such as a Life insurance advisor, to understand options for protecting their families and future income? Curious to hear how other metal fans and artists approach this side of life.