I sleep better knowing that I at least have that. I also try to educate myself in areas lacking, for me PPC, Analytics and conversion optimizing. That is, building skills which translate from affiliate marketing into consulting. On another forum, someone told me to aim for a split where 1/3 of your income is affiliate marketing, 1/3 is client services and 1/3 is your own products. Seems like a good idea and also a better choice for most new people in this biz.
What are your thoughts on long term planning?