I've said before and I'll say again, I don't think that people should vote yes or no because they think they will be (financially) better off - their decision should be about whether it is right
The reason I know so many people who will vote "Yes" is because they feel that they have a set of values that is totally different to that of England. Although, to be fair - I suspect that it is really Westminster/the over-heated South East that they have a gripe with.
In economic terms, that can often result in macroeconomic policies designed to combat a over-heating economy, where in practice, it is the South East that is over-heating and the rest of the UK is not over-heating - yet they bear the brunt of such policies. Immigration policy is another example: whereas Scotland may want to encourage a degree of immigration as we have a declining population, the Westminster government is clamping down on it.