Ideally you would talk all this over with your therapist and both of you decide what might be best overall?

For me, therapy was a process (I didn't have any "goals" either) and I kept going until I didn't feel "unstable" at all, knew who I was and how to care for myself, stay/get centered, was good friends with myself. Maybe if you are still asking questions, it's not yet time?

It is scary running out of money. Perhaps you could just take time off, a year (or nine, that's what I did :-) and see what life brings you and how you cope and what goes on and if you feel the need, go back. Going back to therapy is not a negative, a failure as I thought it was (use to have sad dreams in the 9 years in between where I'd "have to" go back to my therapist because I couldn't "make it" on my own :-) but just one tool among many life experiences that can help change us or let us know more of ourselves (school, certain special jobs, marriage, raising kids, etc.).