Why would it be rude? I see my T for a reduced rate. That doesn't mean I value her time any less. It just means I don't have the money to see her full-time.

Leah, I really think there's something major going on in you in regards to money. There's a lot of shame and stress, from what I am reading, and it's harming you and your ability to talk about money with your T. Do you know where this attitude towards money comes from?