RPG Evolution: RPGs Have a Health Problem

As the game industry ages, our iconic game designers are aging with it. Increasingly, they are turning to crowdfunding campaigns to fund their medical costs. Although gaming hasn't always been a lucrative field for designers, it's clear that even our most experienced designers aren't making enough to manage a medical crisis. Can we do anything about it?

gofundme.jpg

The Scope of the Problem

For some designers, yearly deductibles have crept up to the $10,000 range; with game designers often working as freelancers without insurance, costs are even higher. Incidental expenses, like wound care supplies, specialized diets, and transportation all add to these costs. To address these expenses, GoFundMe (and it is usually GoFundMe, which accounts for 1 in 3 crowdfunding campaigns for medical costs) has become the crowdfunding platform of choice, with over 250,000 medical campaigns raising over $650 million each year.

Is it possible to make a living working on games? We have some notable data points.

It's Not for Everyone

Fred Hicks shares his perspective:
Through a combination of: Running Evil Hat (I made $0/month for several years; then we got a little success, enough to justify $450/month for a while; I’ve gotten to increase that since, but I am pretty sure I’m still not quite rating McDonald’s wages, and unless Evil Hat can improve its product output over the next few years, I’m not sure the increase can be sustained; behold part of my motive to grow the company! I should note I don’t charge the company anything else for any writing, development, or layout work I do beyond this monthly draw.) Running Jim Butcher’s online presence (the site has amazon referrals, other referral programs, the occasional ad revenue, cafe press gear, all of which funnels to me to pay the website costs and then pay myself the remainder for doing the work of creating & running all that over the past ten-plus years) Freelance layout work (which is bursty, unpredictable, and can sometimes wind up with late or very late or never-happened payment if you’re not careful)… I am just in the last year or two finally at the point where I’m making about what I made when I started in the internet industry back in 1996. Only without any benefits (save those that I get as a spouse), which is a lot like saying that I am making 30+% less than what I was making in 1996.
Louis Porter Jr. responded to Fred's post:
But there is another side to this. The side of what is "making a living"? I live is South Florida where I own a house, two cars, have a wife, one year old son and mother-in-law all living in the same house. My wife and I do well financially (She's a therapist and I am a graphic design / web designer) and LPJ Design gives me extra money to do a few fun things. But can I live off of it? No. But do I work it like a 40 hours a week job where I get full medical, weekly paycheck, 401k retirement planning, free use of internet, copier fax machine and roughly four and a half weeks off and 2 weeks of sick time? No. But I do know if I worked the LPJ Design business as well and hard as I work my "real" job the out come would be different.
Louis mentions the 1,000 fans theory, and given the success of crowdfunding in role-playing games it seems there's some merit.

The 1,000 Fans Theory

The 1,000 Fans Theory espouses the belief that creators don't need to have a large number of fans, they just need a highly-engaged base that will support them:
Here’s how the math works. You need to meet two criteria. First, you have to create enough each year that you can earn, on average, $100 profit from each true fan. That is easier to do in some arts and businesses than others, but it is a good creative challenge in every area because it is always easier and better to give your existing customers more, than it is to find new fans. Second, you must have a direct relationship with your fans. That is, they must pay you directly. You get to keep all of their support, unlike the small percent of their fees you might get from a music label, publisher, studio, retailer, or other intermediate.
If each fan provided $100 per year, that would amount to a $100,000 year income. It's worth noting that a percentage of this number also covers things like insurance and medical bills. The total number of fans can be adjusted up or down according to the individual's needs and goals -- those creatives who live in areas where they can get by on $50,000 need only 500 fans, while those who have fans with less disposable income may need double that amount. Where do RPG fans fit in this model?

There are two constraints that working against game developers hoping to make a living using this model. For one, tabletop RPG fans are not nearly as large a market as video games or other creative outlets. For another, gamers are accustomed to lower price points than other entertainment, including the aforementioned video games.

As the market continues to expand, we're seeing movement on both of these factors that may give future designers hope. The market is growing -- Hasbro CEO Brian Goldner told Mad Money that "people are more into Dungeons & Dragons today than ever before. In fact it's enjoying its best year ever, it's been the last couple of years where it's grown. People are reengaged with that brand because it's a face-to-face game, it's immersive, and it's a game that people really enjoy playing with one another. We have more new users coming on board -- double digit, new user growth."

Along with that growth is a fan base willing to spend more, as Andrew addressed in his article, "How Expensive is Too Expensive?" This in turn means creatives can get paid more. Russ has written an excellent reference piece on EN World that every writer should read. It's worth noting that when it comes to paying fairly, Russ is a leader in the industry -- and I speak from personal experience working for him.

A third factor to consider is that the barrier to entry into role-playing games has dropped considerably. Thanks to digital platforms like DriveThruRPG and the DMs Guild, creators can make and sell games at very little cost. By keeping their expenses as low as possible, game designers can net more profit from their games. There are also more platforms to allow fans to directly contribute to creators, like Patreon.

Adding this all up, the 1,000 fan theory seems more achievable for game designers than ever before. But until the market expands enough to support more creatives in the field, economic conditions will continue to push everyone in the tabletop RPG field to test the 1,000 fan theory in the worst way...when they have a medical crisis.
 
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Michael Tresca

Michael Tresca

generic

On that metempsychosis tweak
This is simply not true. I have what is considered good insurance (the most expensive Kaiser plan). Last October, my son had to go to the ER for splitting his nose open. 15 stitches. 15 minutes of work. The hospital billed $4000 and then the doctor billed $2000 additional. My deductible is $6000 a year per family, and since they happened to be out of network, I was pretty much stuck with the whole thing. For a minor procedure. My situation isn’t that uncommon. An ambulance ride costs $10K, god forbid if anyone has to take one.

Sorry, but you’re grossly mistaken on your assumption.
Apologies, I was looking at old data. As far as I can tell, the data I was looking at is a lot older than I initially thought, sorry.

I still agree with @Xenonnonex that the American healthcare system should be socialized. It simply isn't fair the way its organized right now.
 

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Michael O'Brien

Hero
Publisher
So the taxpayers and government help paid one of your business expenses.

No, health care in Australia isn't a "business expense" - it is funded through our taxation system. There is a levy of 2%, part of income taxes.

Possible solutions other than fund raisers. Artists Union or Co-op or what ever, where you band together to buy health care plans.

Hey, good idea! In Australia everyone, the entire population that is, banded together to set up our universal health care system about 50 years ago. Such "banding together" brings the costs of health care down dramatically, for everyone.

Plus, think about how many small business don't get started, or inventions not invented because people couldn't take the risk of losing access to healthcare via their current employer's health coverage.

Yep, exactly my point about being able to take the risk of changing careers and undertake the risky venture of helping bring Chaosium back from the brink of disaster, in part because I didn't have to worry about health care coverage for me or my family due to Australia's universal health care system.
 
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jasper

Rotten DM
No, health care in Australia isn't a "business expense" - it is funded through our taxation system. There is a levy of 2%, part of income taxes.



Hey, good idea! In Australia everyone, the entire population that is, banded together to set up our universal health care system about 50 years ago. Such "banding together" the costs of health care down dramatically, for everyone.
The whole point of the OP is talking about U.S.A. health care and RPG producers being unable to afford it.
 

Reynard

Legend
That is of course, if one cares about poor people having access to quality healthcare. As it is, and has always been, a fundamentally moral question.

Not necessarily. it is actually a fundamentally economic question, because an unhealthy population is unproductive and workers that are tied to their jobs because that's where they get their benefits can't easily move throughout the economy when conditions change. Most of the world understands this, but the brand of American capitalism that saw the rise of the Gilded Age remains influential here. Our culture is twisted up with a "great man" mythology that actively hampers progressive development. We call Jeff Bezos a genius even though he is using infrastructure built by everyone else's effort and taxes, and we call the homeless man a lazy slob even though the system we designed put him on the street. It's the American way.
 


generic

On that metempsychosis tweak
Not necessarily. it is actually a fundamentally economic question, because an unhealthy population is unproductive and workers that are tied to their jobs because that's where they get their benefits can't easily move throughout the economy when conditions change. Most of the world understands this, but the brand of American capitalism that saw the rise of the Gilded Age remains influential here. Our culture is twisted up with a "great man" mythology that actively hampers progressive development. We call Jeff Bezos a genius even though he is using infrastructure built by everyone else's effort and taxes, and we call the homeless man a lazy slob even though the system we designed put him on the street. It's the American way.
Meanwhile, while we call Jeff Bezos a genius, we defund actual research, and spend more on maintaining our outdated military infrastructure than we spend on NASA. We spend more on lip gloss than NASA and new medical research combined.
 

eyeheartawk

#1 Enworld Jerk™
Yep, exactly my point about being able to take the risk of changing careers and undertake the risky venture of helping bring Chaosium back from the brink of disaster, in part because I didn't have to worry about health care coverage for me or my family due to Australia's universal health care system.

Yeah, thanks Australia!

Seriously, your guys' work to bring Chaosium back to where it should be from the shambling corpse of most of the Krank era is most appreciated!
 


billd91

Not your screen monkey (he/him)
Meanwhile, while we call Jeff Bezos a genius, we defund actual research, and spend more on maintaining our outdated military infrastructure than we spend on NASA. We spend more on lip gloss than NASA and new medical research combined.

And, honestly, whether in a mixed economy or in a laissez-faire capitalist economy, it's not unreasonable that collectively more money gets spent on lip gloss than NASA. There's nothing inherently wrong with a lot of people liking lip gloss (unless it's really environmentally damaging) and buying it with their discretionary incomes.
The problems really come from prioritization at the political level - specifically, prioritizing maximizing incomes at the higher levels vs directing society's riches toward developing science and technology via grants and improving collective health.
 

Dire Bare

Legend
So, what can be done?

We can advocate to our political representatives to improve our national healthcare system, perhaps the "Medicare for All" plan Bernie's put forth. But even if Bernie or Warren gets to be our next president, making that big of a change is going to be tough.

Those of us considering careers as creatives, game designers or otherwise, can go in with our eyes wide open and try to better manage our current and future financial and healthcare situations. We can demand to be paid fairly and/or try to leverage self-publishing. Get educated on wise financial practices and healthcare options for those who don't get benefits through work. Consider keeping that "day job". Or move to Australia! :)

Consumers can support gaming companies that pay their employees and freelancers fairly. Dig for the info on how a company compensates and treats their creatives and reward the good companies and avoid the bad ones. Stop being cheap bastards and accept that a quality product is going to cost some money. We have folks on these boards who are offended simply by the existence of "luxury" gaming products, regardless of whether they are interested in the product itself or can afford it.
 

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