I was in this situation last week with No. 2, for some similar reasons (divorce is expensive), except I couldn't afford even to cut back on sessions, so I just had to tell her I couldn't pay, not even with an extra two weeks or so delay that she offered. So we parted ways.

If you can still afford her, just not as often, I would tackle it that way. And very bluntly. Is it possible, too, that you could offer to pay for continued access between sessions, even though sessions are further apart, like x amount per text exchange? No. 3 and I had a deal like that over the summer with email.

She might surprise you - I still owe No. 3 quite a bit of money, and she's still offering support despite knowing she won't be paid anytime soon - actually, she's refused payment for continued contact and insists I get myself stabilized before I even think of paying her. But I do think it's best to start by making it clear that *you* are willing to be the one to sacrifice and that you are not asking that of her.