One of the good point about being a self employed tutor is that you can control the amount of work that you do in order to control the amount of income that you earn. This in turns affects the amount of savings you can feasibly achieve, especially after you've kept track of your expenses and know approximately your savings ratio. I can imagine being an employed worker who wants to increase his saving ratio but will be hard pressed to squeeze more out of the available pay or the available time to make more active income. I mean you can't control the amount of bonus or promotion that your superiors will grant you, and working hard/smart doesn't necessary translate into tangible financial rewards.
The bad thing about being a self employed tutor is the amount of planning that had to be done in order to maintain status quo pay. While ......