I see my T once a week. He charges half the recommended rate and my insurance covers $500 a year, so five sessions. I pay everything else out of pocket. I can afford it, but when I saw him years and years ago I had no money and he saw me for free. Where I am Ts are encouraged to provide some of their practice pro bono. One of my goals when I am a T is to “pay it forward” and provide services to people who would otherwise not be able to access them.