Investing in instruments and gear can pay off in getting engagements. If the contractor calls with a job that requires the player to "double" on bass clarinet and you don't have access to one...goodbye to that gig! In most cases, people want to hire players who own the instruments rather than paying for the musician AND the extra expense of renting an instrument.
It was great to have use of the university's piccolo while you were a student but maybe now it's time to have one of your own so that you can reply, "Sure, I have a piccolo. What time is the rehearsal?" If you are an electric guitarist and you do not own an acoustic...c'mon.
Remember: There might be tax advantages to investing in a bari sax or flugelhorn...probably not with the big screen T.V.
Also, owning instruments and gear can provide an extra stream of income from renting items when you are not using them yourself.
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