I agree - this is called discipline. If you only have an hour a day to write and you LOVE writing, you'll write. But if you have ALL DAMN DAY, you may do nothing....day after day. I had this "luxury" for a time - and my productivity tanked. Now, working a full-time job and teaching part-time, I write more than ever - that is, I produce more writing. The discipline of a schedule pushes me into productivity. Plus, I have the security of those regular direct deposits - and even so, my earnings from writing have continued to grow.