a. I don't think she's taking advantage of me. Her rate is fair and we've compromised to bring therapy into line with my budget by cutting hours on my part and a couple concessions on hers. The conversation you mention is one we've had, and how we've settled on our current plan, a big shift from our previous setup.

b. I've done something about it and accept the current setup: I think it's actually going to work out excellently once I settle in. But I'm now just one-year out from the most major career shift of my life and am evaluating my prospects so I can prepare for it. That includes evaluating my financial reality 12 months out. And yes, I'd like the security of knowing she'll try to work with me if I downgrade my income to improve my job satisfaction significantly.