I went from teaching to writing fulltime. I didn't buy ties or dress shirts this year. Or new pants, and I dont drive as much, So that's a savings.

( But I do buy a Starbucks every workday. That's my rent for writing at the coffee shop.)

But this is a good observation about being self employed.

My expenses went up though overall I think because I kept my health insurance through COBRA.

But yes, getting a job isnt all free money.