Risk: Moderate

Starting a side hustle creating album cover artwork can be risky, especially for beginners with limited funds. There is a possibility of losing money through investing in design software, marketing efforts, and potentially not receiving enough client orders to cover costs. Beginners may spend money on tools and advertising without seeing immediate returns. While there is potential to earn a profit, it may take time to build a client base and establish a reputation in the industry. Online feedback suggests that some individuals have struggled to recoup their initial investments in this field. I'd rate the risk a 3 out of 5 because there is a moderate risk of experiencing financial losses, especially in the early stages of the business.