Would it be rude to ask my therapist if she'd cut my sessions if I ever asked her for a reduced rate in the future? I see her twice a week now, and work 60 hours a week, which inflates my income, but it's not something I can or want to do forever. I'm in school now to pursue a new career, but it may pay less, because of no overtime, than my current position. That change is probably a year or so out in the future, and I've seen her a year and a half now.

Does it seems like I don't value her time if I ask her if she'd let me continue seeing her at a reduced rate a year or two down the road from now if my circumstances changed a lot?

Or should she expect me to be willing to keep the same crazy schedule forever to afford her? Is it all on me to decide what I value/need more... the time in therapy or the normal working hours?

She asked me to promise her once that I would tell her if I ever could not afford to see her, and said if I had to she'd make it work even if I couldn't pay her (like I lost my job/got divorced/went bankrupt, you know, something catastrophic) so I'm hoping she would not be offended by that question, but I wonder what you all think.

Part of me thinks it's a reasonable question, part of me thinks it's horrid.