Don't be embarrassed about discussing the money side of things, definitely talk to your T about it. Are you the one paying for therapy? - T's know therapy isn't cheap so I'm sure she's had the convo many times before. You sound very responsible for working as well as everything you have going on - sounds like therapy is at least helping you to support yourself and to be working.

I'm almost 30 now and unfortunately after almost a decade of therapy my mum still sees me as the same person she did when I started - however I see the world differently and I certainly see her and our relationship differently. My mum barely knows me and I feel like my T gets me so well.

Good luck and stay strong - def stick with your T sounds like she gets you!