Applewood said your own (estimated) salary is included in the budget. As for me, I always said everything that is needed to pay for counts in the game's budget. Yet, you don't pay yourself (unless you are mad). "Oh, it's the end of the month, I shall take out 3K off my bank account and put it back 1 day after, done, I paid myself and my game just costed 3K more" Total nonsense. The game's cost has, in fact, not increased a penny. In reality, as an indie, you work "for free" with the (legitimate) hope the game will earn you money afterwards, and THAT will constitute your salary. This is how it works for real (non contracted) indies making a living off their games. It's not at all what Applewood said. I disagreed with two things: counting the estimation of your salary in the budget of a game you're producing, and $100K min needed to make a profitable game (proven wrong already anyway by Grey Alien's example).