T, I really need to talk about my finances. I think that I need some guidance or some words of wisdom and encouragement. What I do not want to hear is that I should see you less. Two reasons why. I really feel that I need more therapy right now so cutting back is the wrong idea in my opinion. The other reason is that I have just now reached the point where the insurance company will start paying like 40% of my bill. This means $90 a visit vs. $150. I am really bad with math as you know but I think that it is almost like buying one appointment and getting the 2nd free.

You have told me over and over that you hate to see me spend my hard earned money on more therapy than I need. I appreciate the sentiment but I need it right now.

I am going to tell you what I have written above and I hope that you understand where I am coming from. I need to be able to talk about my struggle with money and you are the safest person for that. Others that I have tried to talk to about it either start offering me money which I do not want OR they are probably thinking that I am hinting around for money from them. I don't want anyone's money.