If you've blown through 10 years of savings in 1 year that should be a warning sign. If, after a year of freelancing, you're not completely self-sustaining, I'd say it's time to re-evaluate your plan. You do have a PLAN right? You didn't just decide to try freelancing right? Please note that "looking for clients" is not a plan, it's a complete lack of a plan. If you can't explain to your mom why you're going to be a successful freelancer then I'd suggest you either take her advice or do something to prove you won't be moving back into her basement, if you're not there already.