The Hustle: Bay Area
Artists & Their Money

For 'The Hustle,' we ask Bay Area artists how they make ends meet in one of the most expensive regions in the United States.
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How Many Jobs Does a Musician Need To Stay in San Francisco?

Theo Alvarez in San Francisco, where he works as a musician, teacher, graphic designer, photographer, rideshare driver, and many other roles. (Graham Holoch)

Theo Alvarez says he gets six hours sleep a night. But it’s hard to imagine how he even sleeps at all.

By the numbers
By the numbers. (KQED)

In addition to his creative pursuits as a jazz pianist, music producer, bandleader, photographer and multimedia performance artist, the 29-year-old San Franciscan works as a facility manager and docent at the I-Hotel Manilatown Center (a historical landmark and community activism hub in North Beach), does freelance graphic and web design, drives for Uber and Lyft, and recently launched an organic fruit delivery business.

“I sleep when the fruit runs out,” he says.

Alvarez eats a raw vegan diet, so his new business enables him to eat mostly for free. “I buy in bulk, and then I sell it to make the money back, and then still have some left over to sustain me,” he says, adding that he spends up to $300 a week on produce.

Theo Alvarez at the I-Hotel Manilatown Center, where he teaches.
Theo Alvarez at the I-Hotel Manilatown Center, where he works as a facility manager and docent. (Graham Holoch)

Despite Alvarez’s exceedingly healthy, low-cost diet, making ends meet in order to continue to live in his hometown is an exhausting, ongoing challenge. “I've definitely forgotten to take time out, running around trying to do this and trying to do that,” he says.

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Last year, Alvarez says he earned around $45,000. Most of his earnings came from driving people around the city for Uber and Lyft, so his car-related expenses are, unsurprisingly, steep. He finances his 2015 Subaru at $700 a month. Then there’s $200 in car insurance and at least $150 in gas. As for housing, he pays $1,700 in monthly rent, plus $100 in renter's insurance.

A place to call home

Finding affordable housing was, until recently, Alvarez's biggest challenge. The combination of the stratospheric Bay Area rental market, the piecemeal nature of his work, and a low credit score made it hard for Alvarez to sign a lease on an apartment. For years, he floated between month-to-month roommate situations in the East Bay, the North Bay and San Francisco. “There were times in between renting different places where I was forced to rely on the kindness of family and friends,” he says.

Theo Alvarez on revolving loans: 'Over time, it just eats away at your income.'
Theo Alvarez on revolving loans: 'Over time, it just eats away at your income.' (Graham Holoch)

Alvarez’s financial stability took a turn for the worse when he got into a cycle of taking out short term micro-loans to cover his costs. “That's why it's called a revolving loan, because people take the loan out and then they pay it back and take it out again,” he explains. “Over time, it just eats away at your income. I would highly advise against it.”

Happily, Alvarez was recently able to get on top of his finances after some coaching from the Mission Economic Development Agency, a non-profit, low-income advocacy organization based in the Mission. He cleared up his credit score and was able to sign a one-year lease on a live-work studio in downtown San Francisco, just blocks away from his job at the I-Hotel Manilatown Center.

Alvarez says having his own digs is a game-changer. “In all my experience of struggling to do what I do, I can say without a doubt that in order to develop and produce art, space is an extremely crucial element,” he says. “A safe, physical place for the artist's vision to take shape, and a space where it can be shared with and enjoyed by others.”

Theo Alvarez plays the piano at the I-Hotel Manilatown Center in North Beach.
Theo Alvarez plays the piano at the I-Hotel Manilatown Center in North Beach. (Chloe Veltman/KQED)

Defying 'starving artist' syndrome

Down the line, Alvarez says he’d like to one day buy his own home and raise a family. But for now, he’s focused on growing his fruit business and trying to get more lucrative media and design gigs, perhaps in the tech industry. Though he enjoys driving, he’d like to do it less. “I feel like my time and talents could definitely be put in other areas,” Alvarez says.

And while life has been tough on some fronts, Alvarez is committed to staying in the Bay Area.

For one thing, he’s proud of his local roots as a first-generation, American-born Filipino who earned his education at San Francisco State University and City College of San Francisco. “English is my native language," he says. "But I also speak and study Tagalog, Spanish, Japanese and Chinese due to growing up in the multi-ethnic environment that is San Francisco."

Theo Alvarez in San Francisco.
Theo Alvarez in San Francisco. (Graham Holoch)

For another, Alvarez doesn’t see his future in San Francisco as that of the stereotypical “starving artist.” In recent years, he says he’s met people who are able to sustain successful artistic careers in the city, which has given him hope.

“I think the biggest shock is discovering that you can make it as an artist in the Bay Area,” he says. “I've met artists who have gone through the wringer, and they were able to get into a situation where they are living comfortably. I realized this is definitely possible. It's doable.”

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