You makes a good point. I think it's harder to make a decision when we are attached but nevertheless it's important to think of how the financial burden will impact our life. Experiencing financial issues can be so stressful. I was in a similar situation where I needed to decipher if I was going to continue therapy due to financial changes in my life. I came up with a plan where I was able to afford it with proper financial management but I needed to know if it was well worth it. I was attached to my T and I didn't want to let go but I realized that it was a one way relationship. It didn't matter to her if I was in her office or not. I decided not to go through with the plan. Now I'm glad that I didn't spend the extra money doing so. Of course this is not everyone's experience but I had to take a step back and analyze my scenario. It definitely was not an easy decision.