You'll make ALOT more money with proper unit tests in place. Takes about an additional 50% time to develop the same thing, but causes you much less stress, and you end up with far happier customers who don't bitch about you publicly, ruining your image in the process.
I have proper unit tests in place now finally, but didn't for quite a while. Reason being, the software was just changing too rapidly to make it worthwhile. For months, every week new functionality was being added, modified, etc. With each change, you have to go in and revamp the unit tests. Now that the software is solidified though, I've spent the time to put proper tests in place, and I'm sure it'll pay off in dividends.
It's actually one major mistake I made. Should have quit banging out functionality so quickly, and instead, concentrated on proper testing. Would have made for a much smoother journey for both myself, and all my customers. Again, just me being too nice for my own good. I want to take of customers and put a smile on their face, so tell them it'll be done within 72 hours, when instead I should learn to tell them tough shit, and to wait, so I can ensure everything is done 100% properly.