My Dad is Scottish, born on Skye, but now lives in England and has his whole adult life. He isn't getting a vote.
He will, potentially, have a nationality crisis, with a Yes, though. He isn't English, doesn't look it, sound it or identify with it, but he might have to say that he is, legally, or face possible massive upheaval. There's been no clear information about the long-term implications for people like him.
Commonwealth citizens living in Scotland can vote. All British citizens living in Scotland can vote.
Scottish-born citizens living elsewhere, can't. And yet, when they come to assign passports in ten years time.... it won't be on country of residence but on country of birth.
For that alone, I want it to be a no. It's a huge part of his identity (and mine) but we have no say. I don't object to the referendum, but I do object to how it's being held.
As for the finances - there's no way to really know what the fall-out will be unless it happens. It could be brilliant for both countries, it could be a crashing disaster.
If they vote 'Yes' though, it won't be the last. We'd be on thin grounds to not allow Wales and NI the same vote!