By Ryan Philip George
Feb 05, 2025
For many of us, the road is more than just a job-it’s a calling. It’s a way of life, a community, and for some, the only work we’ve ever known. But what happens when the road stops?
Dignity at the end of the road -whether that means retirement, transitioning out of touring, or simply aging within the industry -has everything to do with the quality of life, financial security, and overall well-being of those who dedicate themselves to this profession. Yet, for an industry that thrives on passion, sacrifice, and relentless travel, achieving dignity in work and retirement is far from guaranteed.
We need to change that.
The Harsh Reality of Touring Life
Unlike traditional careers that offer clear retirement pathways, structured healthcare, and long-term benefits, most touring professionals operate as freelancers, independent contractors, or short-term employees. That means:
No employer-sponsored 401(k)s
No guaranteed health insurance
No sick days, disability plans, or pension options
On top of that, touring takes a physical and mental toll that compounds over time. Chronic fatigue, injuries, and stress can lead to serious long-term health issues. The unpredictable nature of the job makes financial planning difficult. And in an industry that often favors youth, aging crew members and musicians face fewer opportunities.
Too many touring pros give their best years to the road, only to struggle with financial instability, health issues, and a lack of options when it’s time to step away.
It doesn’t have to be this way.
How We Create Dignity in Work and Retirement
If we want a better future for touring professionals, we need to start taking real steps -both as individuals and as an industry -to build sustainable careers that don’t leave us empty-handed at the end of the road.
1. Take Control of Financial Planning
The irregular pay cycles of touring make traditional financial planning challenging, but not impossible. Here’s how to start:
Open a SEP IRA, Solo 401(k), or Roth IRA -Even small, consistent contributions can add up over time.
Use a high-yield savings account -Build an emergency fund to protect against slow months or career transitions.
Work with a financial advisor who understands freelance income -Its worth the investment.
Diversify income streams -Explore investments, royalties, or small business opportunities to create stability outside of touring.
2. Push for Industry-Wide Benefits & Protections
The music industry has long relied on freelancers without providing the support systems that full-time employees receive. That needs to change.
Advocate for portable benefits -Health insurance, retirement plans, and disability coverage should be accessible across multiple employers.
Support industry initiatives like MusiCares, Crew Nation, and emerging freelancer unions that fight for touring professionals rights.
Educate and organize -The more we talk about financial security and long-term planning, the more we push the industry to evolve.
3. Prioritize Healthcare & Disability Coverage
Touring is a physically demanding career, and injuries or health issues can take you off the road unexpectedly. Protect yourself:
Get health insurance -Whether through an industry association, freelancer network, or private plan, don’t go without coverage.
Consider long-term disability insurance -If an injury prevents you from touring, this can provide a financial lifeline.
Invest in preventative care -Touring takes a toll, but strength training, nutrition, and regular medical check-ups can extend your career.
4. Build a Path Beyond the Road
No one can tour forever. Whether you choose to transition early or the industry forces your hand, having a backup plan is essential.
Develop transferable skills -Production management, wellness coaching, consulting, and tech are all potential post-touring careers.
Look into education, training, or certifications that provide career stability.
Build a network outside of touring -Connections in other industries can open doors when you’re ready to step away from the road.
5. Mental Health & Identity Beyond Touring
One of the hardest parts of leaving the road is the loss of identity. Touring is more than a job -it’s a lifestyle, a community, a purpose. But it’s not the only thing that defines us.
Find purpose beyond work -Mentorship, community projects, or creative outlets can help fill the gap.
Consider therapy or coaching -The transition away from the road is a major life change, and support can help.
Stay connected to the industry -You don’t have to tour to still be part of the community.
A Better Future for Touring Professionals
Dignity at the end of the road isn’t just about having money in the bank -it’s about financial security, health, purpose, and community. Touring professionals deserve to step away from the road with their heads held high, knowing they have options, stability, and support.
We can’t wait for the industry to fix this on its own. We have to advocate for ourselves, for each other, and for future generations of touring professionals.
The road has given us incredible experiences, friendships, and memories. Now, let’s make sure it also gives us a future worth looking forward to.
How are you preparing for life after touring? What changes would you like to see in the industry to support long-term stability for crew and musicians? Drop your thoughts in the comments or share this with someone who needs to hear it.
Let’s build a better road ahead -together.
