Check your wallet. While therapy can be incredibly useful, transformative even, do not put yourself into financial ruin because of therapy.

Stick to your financial plan. Seek a professional who works on a sliding scale if necessary, but think twice before you pay off a therapist's mortgage or put multiple children through college.

They are never going to say "I cannot in good conscience take your money." Nor are some of them above cheating insurance companies. There are good ones, expensive ones, good expensive ones, and bad expensive ones.