Having an FFL saves not only transfer fees but you are able to get guns, ammo, components, scopes, binocs and all sorts of sporting goods at wholesale shipped direct to your door. If I recall the initial application fee was $300 but renewal was only $100 for three years. You don't have to buy a lot of stuff to pay for that. Also, if you do sell just a few things you will make money. Even just doing background checks at $20 each will soon pay for your FFL. Even though I can't afford to buy all the stuff I used to and even though there isn't much I want right now I still think I would have been ahead in money to have renewed my FFL for another 3 years. But of course it depends on your circumstance.