Assume a married couple. Two people working. One kid. Bought house in early 90ies. I could easily see saving $10-15k per year or more, plus having positive equity in the home. I’m guessing that not all people in SD County got burnt by the housing correction, right?
Office space isn’t expensive if you do it right. What a lot of small lawyers do here is quietly sublet space from a bigger firm with extra floor space. Worker’s comp isn’t needed if you’re self-employed or a single-person LLP in most states.