[WilTimSon]

> Don't you have to be fairly well off to invest the time to write a book?

Not necessarily, although I'm sure it helps. Quite a few writers started out by writing their book in between shifts of menial labour or just while they crashed on friends' couches. It's mostly about staying motivated to work on this thing that brings you no money while knowing that you could just give up and do a regular job instead. That's where most would fail while those who have a lot of money don't ever need to even consider it.