I'm not sure how to figure out the percentage, since my budget is fluctuating a bit.

My T is really expensive - I'm hoping that's a reflection on his skills, and he'll be able to help, because past Ts really didn't help at all. We'll see. I'm willing to take a chance, because if it works, it will be 100% worth it.

Right now to afford it, I've only been going every other week. I think I will need to move to weekly though. I'm fortunate, I have a good income and savings - and have a really cheap house/mortgage. I've been overpaying on the house to try to pay it off quickly, so I can reduce that quite a bit, still meet my obligations, but free up some extra cash for T.

I also started a "health savings account" this year. My intent was to save the money and invest it, then use my receipts (from T and other medical stuff) to pull it out tax-free in 20 or 30 years, but I think using it to pay for T now may be necessary. It means that there is money taken out of my paycheck that I don't pay taxes on that I can use to pay for T and medical stuff... b/c of the limits (I think like ~$3000/year) it's not enough to cover me seeing T every week for an entire year, but... it still will help.

And, after all that, I might try to use insurance - but he is "out of network". My deductibe for out of network is insane (~$3750 or so this year, probably going up next year), and I think they won't count his entire... like if he charged $300 (he doesn't), I think they'd say the usual and customary fee for my area is $150, so that's all they'll credit towards my deductible. Then, once I hit the deductible, they'd pay 50% of the usual and customary fee (if I understand correctly).

Yes, I've thought about this alot. It's very frustrating. T wants me to go out and do things (to meet people), but it's hard when most of my "disposable" income will go to T !