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It is a leap of faith - have courage!
To supplement your income, you could open your studio in the mornings and offer "life session" where you collect, say, $10-15 per artist per session. If you get 8 artists and have the models work 3 hours for 3 consecutive Saturdays, for instance, you can look at a $270 profit, give or take. Have the artists commit to the sessions by paying for all three on the first Saturday.
I paint at 3 local sessions just like this, at different studios. As an artist, the resource is incredible, but it also serves the artist hosting the sessions.
And small things like that can help you sleep better at night.
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