So far, I am finding that the above statement is an oxymoron if one has a day job (aka: the one with the health insurance) and is writing on the side. Sure, it's a wonderful idea to plan a lovely schedule in your head where you're going to work 8:30 to 7:00, then come home, eat, and be writing by 8:00 PM. And you will get exactly what needs to get done accomplished by 11:00 PM so that you can get a good night's sleep and start over the next day. Also, you will set time aside for exercise and family and all the other pillars of the well-rounded life.
Yeah... I haven't seen the business end of a treadmill since March, my family thinks I may have died, and last night I got to bed a 2 AM because revisions are not about the fun and easy. And I'm still behind schedule.