I'm so glad you were able to talk about this with your T, and that it went so well. It must be such a good feeling to hear "the therapy comes first," even if you're worried about the financial aspect.

When I switched from 1 to 2 appointments/week, my T lowered my rate. I felt gross and guilty about it, and I sometimes worry about whether I'm there too much (she assures me I'm not), but my anxiety about it has certainly reduced over time. And really, it's made such a huge difference to be seeing her more often that I think any anxiety (on my part) and any per-session $ loss (on her part) is probably totally worth it for both of us. I can't explain it, but it's like I finally (after 3 1/2 years) feel the slightest bit secure, and we're able to get to things in more depth now. Otherwise it would have been years more of very little progress, I think.

And seriously, don't worry about buying a shirt or whatever else you do with your money. While therapy is a commitment and a sacrifice (and, I think only works when it really is those things), your T doesn't expect that you'll stop living your life otherwise, or that you'll stop taking care of yourself in other ways. I mean, if you do win the lottery, then maybe you should have a conversation. Otherwise, don't sweat it!