I wonder what idiom, expression or set-phrase do you normally use to carry the message of spending money from pocket without earning any money (without having any business)?
Please have a look on my scenario below:
I used to live in a very crowded city where I was born. As a doctor of medicine I had my own office, and in short, I was living a good life. But just because of the high population and also its annoying traffic noise, I decided to leave my country forever. Now, I am living in the US. But it takes several years to me to pass so many exams so that they could assess my educational certificates and documents and equalize them into an American degree. I have to use my own pocket money for two years just for a reason that doesn't sound logical to my family members and whoever knows me and my background. I could have a much better life in my own country. Everybody tells me that wasn't a logical decision a at all.