if anyone has a job that doesn't have some drawbacks to it, i'd like to know what that is!
writing novels is a long-term set of issues. to offset some of the financial hardship which may come down the pike, i know some novelists write articles, too. some will adopt a pseudonym and write in better paying genres. gotta keep the lights on, after all, and if what that takes is an occasional romance, what harm is there in that? some will do just the 'hot' market. some make a living off of writing series (which would be death to me, personally).
being a novelist just doesn't mean that's all you write. if you can get a short story published, you can get a novel published.
visit some of the writers' websites here and you won't have to go far to find some offering editing/critique services.
obviously, you're better off with an agent. try to find a good one. duh. me preyer. offer generic advice.
the writer's guild has a health plan if you don't have one. i'm not sure how good it is, but they've got one.
i can't think of a novelist (excluding obvious exceptions) who doesn't have to continually write. not out of some weird psychosis, but (imo) out of some amount of paranoia that if they stopped writing then their financial situation would crumble. and they're probably right, i guess. royalties may come when you least expect them and most need them, but you never know how long those royalties are going to last. and you can't afford not to produce, and you can't afford not to produce sellable material. how much of a writing whore do you want to be? do you want to eke a living out? not me! were i to seek being published, you betcha i'd want to live well above poverty wages. i could sit on my ass and play 'star wars: battlefront' all day and make that much, then do writing as a hobby for extra cash. so, for someone who's got a good job, i can't say go long on novel writing. pay your bills. have good insurance. live comfortably. feed your writing monkey on the side.
good advice, imo: wait until you're secure with your writing before giving up your steady means of support. and remember, you don't just have to write novels. (if you want the money, scripts are where it's at. good luck on that! lol. you can, however, sell your story to a production company. there's always that outside chance.)