if your goal is to just learn as much math as you can. Why matriculate in the class and pay tuition? I've never seen a professor check if everyone is matriculated let alone kick anyone out for not being matriculated. Plus no bureaucracy. :-) I've sat in on tons of classes. Also MIT, Stanford and Berkeley post video lectures, notes, assignments exams of math classes online. also free. save the money and get a better apartment.
Because at any given moment I may have some side projects that "might potentially make some money" going on, and if I don't pay for a class, I will naturally just want to work on those projects - this has been proven out by history.