Are you worried about your job? I don't think there's such a thing as a secure job. There's always someone out there who can do it better, more efficiently and cheaper than you. You just have to pray your work ethic is top notch and is what sells you to your employer to feel "secure". So in that regard, I'm not super worried. Ability to pay rent or mortgage? My rent is cheap enough that as long as I have a job I should be ok. Your retirement / 401k? Like lots of people, mine took a nosedive but I don't think it was that bad. I'm still young so I can rebuild it. Are you putting off purchases? Big ones, yes. Entertainment expenses, somewhat. I still like to go out to dinner occasionally. Is it altering your income directly from music? I don't think I've ever been paid to perform! Are you worried about a prolonged recession? Yes because it will affect everybody in one way or another.