First the knees go. Maybe your wrist acts up after hefting a high-speed digital and 400/2.8 during a ballgame. Then your hearing and eyesight start to slide. We can't do this forever. At some point, we will need to hang up the Canons and Nikons. Save for that rainy day and be nice to your children, because you are going to need help and wealth as you get old. You need to budget for your IRA. Given recent market changes, you can't count on your stock image files to finance your bungalow in Florida. And with no employer, there is no matching contribution to your retirement plan. It's all you. Give yourself all you can. As bonuses, such saving can cut your taxes and improve your sleep. Check with your accountant or financial planner for guidance.