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Yes, I think that's how it works for 99% of writers. Even internationally renowned authors give talks, teach courses, and have to deliver work for publishers that they don't control 100%.
If you only write for money, that's a very odd choice. And if writing is only a hobby which takes up your time, it rather restricts you to being rich already or retired.
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Sounds like the writing you are commissioned to do helps pay for the writing that just has to come out of you. Good luck on the magical realism novel