It all comes down to how valuable your time is to you and how well you think you can improve on the LSAT on your next try. A few points (to 167/168) would definitely make UCLA and other schools a huge possibility for you, but at the same time, you're looking at sacrificing a year of doing nothing (maybe working P/T?? Do you HAVE a job right now???). It seems like that fact is neglected by a lot of people. If you are, like me, and you do not currently have a job, then getting a P/T or F/T job for a year can be a very cumbersome process ITE. For kicks, I went around applying in Sacramento, Dixon, Woodland and of course Davis, got 1 call-back, interviewed and was extended a mighty delicious $8.55/hr.
You might "save $" in that you're not going to enroll in an LS this year, but if you have any consumer debt (car pmt? insurance? lease? CCs? expensive phone?) then a low paying job will likely leave you hurting.
Just another perspective. Full disclosure: I am biased against retaking because I took 35 PTs and averaged 163 +/- 1.2, and will not improve very much at all, barring a drastic streak of good luck. Additionally, I find the entire LSAT process very stressful. YMMV