09/03/2026
Everyone wants affordable therapy. But who exactly is supposed to pay for it?
Right now, it feels like the answer is increasingly therapists. And people wonder why so many therapists are becoming telehealth-only. (Well... it's because so many therapists can't afford their in-person offices on the sh*tty insurance reimbursements they get 🫠).
Therapists are expected to take on graduate school debt, pay for years of supervision and licensure, continuing education, liability insurance, our own healthcare and retirement, AND all the expenses that come with running a practice… and then also keep our fees low enough to personally make up for the fact that our healthcare system has made mental healthcare unaffordable for a lot of people.
👏🏻 I BELIEVE THERAPY SHOULD BE ACCESSIBLE. 👏🏻 Most, if not all, therapists feel this way.
However, I ALSO believe individual therapists should not be personally responsible for solving a systemic access problem by making their own careers financially unsustainable. Nowhere else do we see this, including other healthcare professions. Those two beliefs can coexist.
Insurance companies, healthcare systems, reimbursement rates, government policy... none of these things are within your control. So if your caseload, referrals, income, and ability to stay in business are pretty much entirely dependent on them, THEIR decisions become YOUR business decisions.
I’m not saying every therapist needs to drop every insurance panel tomorrow and go fully private pay, but I AM saying you should know how to build a practice that can survive if one of those outside systems changes the rules on you.
There are four specific things I believe every therapist needs to understand if they want that kind of independence.
They’re the same four things that allowed me to stop relying on insurance referrals and build a private-pay practice where I could set my own fees, attract my own clients, and have WAY more control over how I practiced.
Most therapists focus on tactics before they have these four things figured out.
Comment CORE and I’ll send you my free Core 4 Guide so you can see what they are. ⬇️