You can make a living as an artist. Get a new character and make him or her a little studio with the basics (kitchen, bathroom, bedroom, living room) and get the paint stand. Paint all the time and sell your paintings. When your creativity is at the maximum, you can sell your paintings for about 135 Simoleons each. Although its not much, you do not have to get up in the morning and will have more time to train your other abilities.