I think about this question a lot. Actually, I've been wrapping my head around it and restructuring my life around this for the past 20 years.
I went to art school, fully intending to be a starving artist. Then I got offered a job doing commercial art, and took it, due to panic and stresses (mostly external) over money. I guess I thought I could do art in my spare time. Well, the commercial gig took over my life and I soon felt I had to dedicate body and soul to it.
A few years later I felt like the old artist me was slipping. The drive and passion I felt in making art was waning away. My solution at the time was to go freelance, so I could do both, and set my own schedule. When I was in a commercial job, I could give it my all, but in my down time I could create my own work. Well, that worked out ok, but I also had dreams of FI so oftentimes, money drove most of my choices, and trumped the time I could have taken to do artistic work.
Fast forward to today, and I've had a few successes and now consider myself an emerging artist (and am considered this by my peers in the field.) so I do have a career ahead of me, albeit a low earning one. I foresee myself doing what I love for the next 20 years. However I'm still slightly tied to the commercial work. We are not 100% FI yet so there are certain gigs that I enjoy that I'll take on if I feel lacking in cash.
It's been such a struggle to balance these two needs - the need to create and the need to earn money. I'm so close now to shutting the doors on ALL commercial work. I have a big project that I'm working on, my own project, and in the meantime the commercial gigs are winding down. I am looking forward to the day when I can do 100% my own work, maybe in the next couple of years. But I would not have been able to do this if I had focused on commercial work exclusively for the entire 20 years. It would have eaten my soul, and in retirement I'd have nothing left. As it stands now, it feels like I'm just ramping up, just getting started on a career I can pour my heart into and enjoy the hell out of.