StackSocial offers downloads of Clip Studio Paint Pro for PC and Mac for $29.99. Coupon code "DN25" cuts that to $22.50. With free shipping, that's the lowest price we could find by $27. The successor to Manga Studio, this software allows you to create manga and comics with drawing tools, filters, and special effects.
Uncle Sam could take a hefty chunk of your retirement income if you botch this.