It's funny you mention that because that isn't me. I could make a lot more money being a partner at a CPA firm than I do working for myself. But working for myself allows me the flexibility I want. Also, I could make more money working for myself if I charged "market rates" for my services, but I can't justify those rates. For example if a tax return takes me 30 minutes I can't justify charging $300 for it like most others would.
There are many more important things than chasing $$$.
What would you quote for remodeling a guest bathroom? Asking for a friend tired of getting gouged by shady contractors.