The Money Sessions

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If I were starting my private practice from scratch in 2026, I would do things very differently.

Not because private practice is dead.

Not because AI has made therapists irrelevant.

And not because you need another 47 certifications before you're allowed to charge what you're worth.

Quite the opposite.

I would get much more intentional from the very beginning.

Because the practice you build is going to be shaped by the decisions you make before you ever have a full caseload.

What you train in.

What you charge.

Who you position yourself for.

And who you spend your time around.

After 10 years of helping therapists build premium cash-pay practices, Tiffany breaks down the four things she would do differently if she were starting over today.

And some of them are probably not what you'd expect.

Because if you want to build a practice that is genuinely differentiated in an increasingly crowded and AI-driven marketplace, being another therapist who does another modality isn't enough.

You need depth.

You need a Life First Fee.

You need a niche that creates demand.

And you need to be extremely intentional about whose advice you're listening to.

In this episode, Tiffany explores:

• Why she would invest in a year-long psychoanalytic training program if she were starting her practice today

• Why depth-oriented clinical training may become even more valuable as AI takes over formulaic, standardized approaches to mental health

• Why she would determine her Life First Fee BEFORE looking at insurance reimbursement rates or asking other therapists what they charge

• How to stop setting your fee based on fear and start setting it based on the life you're actually trying to create

• Why your modality, certification, or specialty isn't necessarily your niche

• What R³ — Resourced, Ready, Recognized — means when you're building a premium cash-pay practice

• Why "I work with anxiety, depression, trauma, and EMDR" doesn't necessarily give a potential client a compelling reason to choose you

• The difference between someone who has a problem and someone who is ready to solve it

• Why your ideal client needs to recognize themselves in your language and positioning

• Why Tiffany would stop spending time networking with the average therapist if she were building her practice from scratch

• The rare exception to that rule — and the kind of therapist she WOULD want to build relationships with

• Where your time and attention need to go if you're trying to build a practice around $300, $400, or $500+ Life First Fees

Because here's what changes when you stop asking,

"How do I get more clients?"

and start asking,

"What kind of practice am I actually building?"

You're no longer trying to fit yourself into the existing mental health marketplace.

You're making deliberate decisions about your expertise.

Your fee.

Your positioning.

Your relationships.

And the people you want to serve.

And maybe most importantly, you're no longer allowing the fears and limitations of the average therapist to determine what you believe is possible for your own practice.

Because you don't need to build the practice everyone else is building.

You need to build the practice that supports the life you actually want.

And if you're already years into your practice, don't write this episode off because you're not "starting from scratch."

The same decisions still matter.

Your fee can change.

Your positioning can change.

Your referral relationships can change.

And the people you're spending your time around can change.

You can decide to stop building from where you've been and start building toward where you're going.

If you're ready to do that, email Tiffany at [email protected] with the words "I'm Ready."

Because you don't have to start over.

You just have to start making different decisions.

Ready to set your fee? You choose the dream, we'll do the math.🎁 Download our FREE Fun with Fees Calculator 👉🏽 https://www.leaninmakebank.com/free

Ready to charge Life First Fees? Click here to fill out an application

What if the rage you've been taught to suppress is actually the very thing trying to show you where you're ready to take up more space?

In this episode of The Money Sessions, Tiffany sits down with therapist Jen Gallagher to talk about midlife rage, visibility, money, and what it took for Jen to step out of her husband's group practice and build her own private-pay practice. After more than 20 years as a therapist, Jen is now specializing in working with women in midlife who are experiencing rage, burnout, and the urge to blow up their lives.

Jen shares the messy middle of going from an average session reimbursement of around $125 to charging $250 for 50 minutes and $350 for 80 minutes—and the internal work required to believe that this reality was actually possible for her.

This conversation is about so much more than raising your fee. It's about visibility, self-trust, taking ownership of your finances, and learning to recognize that the number on your fee schedule is often just the tip of a much bigger iceberg.

• Why Jen's journey to a $250/$350 fee required much more than simply choosing a number

• The difference between saying your fee and actually fully committing to it

• How being invisible can become a survival strategy—and why building a visible private practice requires challenging that pattern

• The fear and doubt that show up in the liminal space between choosing a higher fee and having a full caseload at that fee

• Why having only two clients at $250 and $350 doesn't mean the strategy isn't working—it can be the first visible evidence of a much bigger shift

• How Jen learned to separate what her fears were telling her from what was actually true

• The connection between suppressed rage, boundaries, self-advocacy, and money

• Why rage isn't necessarily something to get rid of—it can be information that tells you something needs to change

• How years of putting everyone else first can eventually show up as burnout, illness, resentment, and financial depletion

• What Jen learned from interviewing more than 20 women about rage in midlife

• Why women who have spent their lives being "good," generous, and accommodating eventually reach a point where their system says enough

• How imagining a different reality—and seeing other therapists actually living it—helped Jenn believe that a different financial reality was possible for her too

• The deeper transformation underneath Jenn's $350 fee—and why the money is ultimately just the byproduct of the work underneath the surface

• LIMB Academy

• LFF Calculator

• Jen Gallagher's Rage Style Quiz

• Jen's Website

Ready to set your fee? You choose the dream, we'll do the math.🎁 Download our FREE Life First Fees Private Practice Calculator 👉🏽 https://www.leaninmakebank.com/free

Ready to charge Life First Fees? Click here to fill out an application

You say you want more clients.

More visibility. More referrals. Higher fees. A practice that actually supports your life.

But there's a question you may not be asking:

What if you're terrified of being seen?

Because marketing requires something therapists aren't always comfortable with:

Being visible.

Letting people know who you are. What you do. Who you help. Why your work matters.

And that can bring up a lot more than a marketing problem.

It can bring up shame. Fear. Judgment. The possibility of being misunderstood. The possibility of being criticized.

And suddenly, "I don't know how to market myself" becomes a very convenient way of avoiding something much deeper:

"I don't know if I'm willing to let people see me."

In this episode, Tiffany explores the psychological cost of hiding behind perfect websites, endless preparation, vague messaging, and "professionalism" when what your practice actually needs is for you to step forward and be known.

Because you can learn SEO.

You can learn Google Ads.

You can improve your copywriting.

You can build the perfect marketing funnel.

But none of those strategies can compensate for a therapist who is fundamentally afraid of being seen.

In this episode, Tiffany explores:

• Why marketing can trigger much deeper fears than therapists expect

• The connection between visibility, vulnerability, and self-protection

• Why "I need to figure out my marketing" can sometimes be a disguised form of avoidance

• How fear of judgment can keep you vague, quiet, and invisible

• Why therapists often hide behind credentials, modalities, and clinical language instead of allowing their actual perspective to come through

• The difference between being professionally appropriate and making yourself invisible

• Why being seen by the right people is essential to building demand for a premium practice

• How your relationship with visibility impacts your ability to charge Life First Fees

• Why marketing strategy is only one piece of the puzzle

• What becomes possible when you stop trying to make sure nobody can misunderstand you

Because here's the uncomfortable truth:

You cannot be deeply trusted by people who cannot find you.

And you cannot build demand for work that you refuse to clearly talk about.

Being seen doesn't mean turning yourself into an influencer.

It doesn't mean sharing every detail of your personal life.

It doesn't mean performing online.

It means becoming willing to let the people who need your particular expertise recognize themselves in what you're saying.

That requires specificity.

It requires courage.

And sometimes, it requires tolerating the discomfort of knowing that not everyone is going to like you.

Because the goal isn't to be liked by everyone.

The goal is to be unmistakable to the people who are looking for exactly what you do.

If you're ready to stop hiding behind "I need better marketing" and start building a practice where the right clients can actually find you, email Tiffany at [email protected] with the words "I'm Ready."

Because your marketing doesn't need more perfection.

It needs more of you.

Ready to set your fee? You choose the dream, we'll do the math.🎁 Download our FREE Fun with Fees Calculator 👉🏽 https://www.leaninmakebank.com/free

Ready to charge Life First Fees? Click here to fill out an application

What actually happens behind the scenes inside Lean In. MAKE BANK.?

In this episode, Tiffany sits down with Jorshua Stewart, LIMB's Student Success Manager, for an honest, behind-the-scenes conversation about what it really takes for therapists to create sustainable, Life First practices—and what happens when they hit the messy middle.

Jorshua shares what she sees every day as she supports therapists through the program: the patterns that help people build momentum, the places where they get stuck, and why asking for help can be the difference between staying stuck and finally moving forward.

This conversation is a deep dive into the messy middle, taking action while scared, using community, and trusting that the process doesn't have to be perfect to work.

• What Jorshua does as LIMB's Student Success Manager and how she supports therapists throughout their journey

• Why Jorshua left a highly structured corporate environment without another job lined up—and what she learned about doing it scared

• How caring for her younger brother after losing her mom shaped the way she listens to and supports others

• What Jorshua notices about therapists who come into LIMB ready to make a change

• Why the most successful therapists aren't necessarily the ones who have everything figured out—they're the ones who keep going

• The reality of the messy middle and why getting stuck doesn't mean the process isn't working

• The patterns Jorshua sees when therapists stop taking action or avoid the scary parts of their journey

• How LIMB's data tracker, accountability systems, live calls, and community help students stay on track

• Why therapists can miss the very thing that's keeping them stuck when they try to do everything alone

• The importance of showing your work, asking questions, and letting other people see what you're doing

• Why reaching out for help doesn't mean you're behind or doing something wrong

• What Jorshua has learned about flexibility, adaptability, and pivoting from working inside a growing business

• Why business doesn't come with a perfect set of rules—and why your practice has to be built around your actual life

• What the LIMB community is really like and the kind of life its therapists are working toward

• The bigger ripple effect of therapists choosing to stop sacrificing themselves and build practices that support their lives

If this episode gives you even one insight that makes you think differently about what's possible for your practice, share it with another therapist who needs to hear it.

And if you're ready to stop waiting until you feel completely confident and start building the practice you actually want, email [email protected] with the word "Ready."

• LIMB Academy

• LFF Calculator

Ready to set your fee? You choose the dream, we'll do the math.🎁 Download our FREE Life First Fees Private Practice Calculator 👉🏽 https://www.leaninmakebank.com/free

Ready to charge Life First Fees? Click here to fill out an application

What if your relationship with money isn't just about money?

What if your relationship with time, work, rest, safety, and your right to take up space has been shaped by something much older and deeper?

In this deeply personal episode, Tiffany explores a realization that stopped her in her tracks: the feeling of an internal "time master"—a constant ticking clock that says you can rest later.

When you're financially secure. When your children are safe. When you've worked enough. When you've earned it.

But what happens when the clock never actually stops?

For Tiffany, this question led directly into the legacy of slavery, intergenerational trauma, labor, and the ways that the value of Black bodies has historically been tied to their capacity to work.

And then the question gets even more uncomfortable:

What if financial freedom alone isn't enough to make us feel free?

Because you can earn more. You can build the business. You can create time freedom.

And still have an internal voice telling you that you haven't done enough to deserve rest.

This episode is about that voice.

And about what might finally quiet it.

In this episode, Tiffany explores:

• The "time master" and the internal pressure to constantly produce

• Why financial safety can become psychologically intertwined with permission to rest

• The historical relationship between labor, worth, and the bodies of Black people and women

• How intergenerational and relational trauma can shape our experience of money and safety

• Why making more money doesn't automatically create an internal experience of freedom

• The connection between financial security and attachment, safety, and belonging

• Why community can create a sense of safety and expansiveness even before financial security arrives

• How being seen and believed in by other people can help us see possibilities we cannot yet hold for ourselves

• Why your clinical work can only expand as far as you're willing to explore inside yourself

• The importance of having a container where difficult thoughts, fears, grief, and desires can actually come forward

• What happens when self-protection becomes the very thing limiting your professional and personal growth

• Why creating a Life First Practice is about much more than increasing your income

Tiffany also shares the story of a therapist in the Lean In. MAKE BANK. Academy who once questioned whether she could really charge premium fees in her rural community—and then watched that possibility become real.

She booked $450 intake sessions.

Clients said yes to $300 weekly sessions.

The money was important.

But what made the transformation possible was something deeper:

Community. Connection. Mattering.

Someone else seeing the possibility in you before you're fully able to see it yourself.

And maybe that's the real work.

Not simply getting paid more.

But learning that you are allowed to exist, take up space, breathe, rest, and be present before the money arrives.

Because the ultimate goal of a Life First Fee isn't just a bigger bank account.

It's the ability to finally silence the ticking clock.

To sit with your kids without calculating what you should be doing.

To be with your partner without feeling pulled toward the next task.

To spend time with your friends and actually be there.

To stop measuring your worth in hours worked.

To be present for life.

If this episode brought something up for you—if you're curious about what might be possible when you have the right community and container to explore these questions—email Tiffany at [email protected] with the words "I'm Ready."

Because getting paid is lovely.

But what's priceless is getting your life back.

Ready to set your fee? You choose the dream, we'll do the math.🎁 Download our FREE Fun with Fees Calculator 👉🏽 https://www.leaninmakebank.com/free

Ready to charge Life First Fees? Click here to fill out an application

When Adina Babad first found Lean In. MAKE BANK., they were charging around $110/session, fully paneled with insurance, overwhelmed, and wondering how much longer they could keep doing it.

Today, they charge $300/session, have left insurance panels behind, are seeing fewer clients, earning $10K+ months, and have built a practice that actually feels sustainable.

But this episode isn't about marketing hacks or overnight success.

It's about the uncomfortable work of trusting yourself, challenging deeply held beliefs about money, and learning that the biggest obstacle to premium fees often isn't strategy—it's the mindset underneath it all.

If you've ever thought, "Other therapists can do it, but not me," this episode is for you.

• How Adina went from earning about $110/session on insurance panels to $300/session in private pay.

• Why leaving insurance wasn't just a business decision—it was a trust-in-yourself decision.

• The fear of "betting on yourself" and what finally helped them move forward anyway.

• Why borrowing someone else's belief in you can be enough until you develop your own.

• The mindset work therapists try to skip—and why strategy alone won't get you premium fees.

• How childhood, family history, gender, culture, and money beliefs quietly shaped Adina's relationship with earning more.

• What happened after they stopped trying to stay small and started showing up in the world.

• Why networking isn't about being loud—it's about being genuinely yourself.

• How confidence is built by collecting evidence, not waiting to feel ready.

• What therapists who think "everyone else is special except me" need to hear.

• LIMB Academy

• LFF Calculator

• Adina's Website

• Adina´s Instagram

Ready to set your fee? You choose the dream, we'll do the math.🎁 Download our FREE Life First Fees Private Practice Calculator 👉🏽 https://www.leaninmakebank.com/free

Ready to charge Life First Fees? Click here to fill out an application

"But Tiffany, how can I raise my fee when I don't even have enough clients?"

That's exactly the question one therapist asked Tiffany after describing the practice she desperately wanted:

17 sessions a week. $200,000 a year. Enough space to actually enjoy her life.

The problem?

Getting there would require a $55 fee increase with her existing clients—and she hadn't received a new referral in weeks.

So how do you raise your fees when you don't yet have evidence that anyone will pay them?

You stop waiting for the evidence.

Because if you need your desired future to exist before you're willing to move toward it, you will stay trapped inside the reality you already have.

In this episode, Tiffany challenges the conventional order of operations therapists have been taught to follow:

Get the referrals. Fill the caseload. Then raise the fee.

What if that's backwards?

What if the practice you want requires you to make decisions before you have proof that they will work?

In this episode, Tiffany explores:

• Why waiting for evidence before making a change can keep you stuck indefinitely

• The paradox of wanting a different practice while continuing to make decisions based on your current reality

• Why "I'll raise my fees once I have enough clients" may be exactly what's keeping you from building the practice you want

• How fear around your current caseload can keep you loyal to a business model that isn't actually working for you

• Why your current circumstances are not evidence of what is possible for your future

• The difference between following the status quo and having the audacity to create a new reality

• What Prince can teach therapists about creating a world that doesn't exist yet

• Why conviction has to come before evidence

• How taking decisive action can create the evidence you were waiting for

• A real example of a therapist raising her fees by $85/session without clients saying no

• Why being in demand can start with the decision to act like the practice you want is possible

The economy doesn't have to be perfect.

Your current caseload doesn't have to be perfect.

Your clients don't have to prove to you that they can pay more.

You have to decide what you're building.

Because the therapist who waits until the world says, "Yes, you can do that," may be waiting forever.

But the therapist who decides, "This is the practice I'm creating—and I'm going to learn what it takes to build it," creates the possibility for evidence to follow.

That's what Life First Fees require.

Not blind optimism.

Conviction. Action. Strategy. And the willingness to move before the evidence arrives.

Because you can keep building the practice that's merely fine.

Or you can have the audacity to build the one you actually want.

If you're ready to stop waiting for permission and start creating your Life First Practice, email Tiffany at [email protected] with the word "Icon."

Because "fine" is not the goal.

And neither is waiting.

Ready to set your fee? You choose the dream, we'll do the math.🎁 Download our FREE Fun with Fees Calculator 👉🏽 https://www.leaninmakebank.com/free

Ready to charge Life First Fees? Click here to fill out an application

What if becoming a premium fee therapist wasn't about seeing more clients—but about finally valuing the transformation you already provide?

In this inspiring episode, Tiffany sits down with Carol Covelli, a therapist, business owner, and single mom of two who transformed both her practice and her life by reaching her Life First Fee.

Carol shares how she moved beyond fear, stopped letting geography define what was possible, and built a practice around deep specialization instead of volume. Along the way, she discovered that raising her fee wasn't just about making more money—it was about becoming a better clinician, creating stronger boundaries, and building a business that could truly support her family.

If you've ever wondered whether premium fees are possible for you, or worried that your circumstances make it harder than everyone else's, Carol's story is one you won't forget.

• What finally led Carol to pursue her Life First Fee.

• How she dramatically increased her revenue while cutting her caseload nearly in half.

• Why being a single mom changed the way she thought about time, boundaries, and sustainability.

• The mindset shifts required to stop undercharging and fully own her expertise.

• How specializing in a highly specific niche transformed her marketing.

• Why therapists often confuse accessibility with self-sacrifice.

• The role that confidence, community, and coaching played in Carol's growth.

• How charging premium fees has improved both her business and her clinical work.

• Practical marketing lessons for therapists who want premium fee clients.

• Carol's advice for therapists who feel like charging Life First Fees isn't possible for them.

• LIMB Academy

• LFF Calculator

• Carol's Website

Ready to set your fee? You choose the dream, we'll do the math.🎁 Download our FREE Life First Fees Private Practice Calculator 👉🏽 https://www.leaninmakebank.com/free

Ready to charge Life First Fees? Click here to fill out an application

Most therapists think the hardest part is allowing themselves to want more.

More income. More freedom. More creativity. More time off. A Life First Practice.

But what happens after you let yourself want it?

In this episode, Tiffany explores the next stage of growth—the one almost nobody talks about.

Because once you stop wondering if a Life First Practice is possible and start moving toward it, something unexpected happens.

You begin to see things you couldn't see before.

A new possibility.

A new level of clinical work.

A new version of yourself.

Tiffany calls it finding the seam in the white room.

For years, you've been practicing inside the same room, doing meaningful work with your clients. Then one day, you notice what looks like a tiny seam in the wall.

You get closer.

And you realize it isn't just a seam.

It's a door.

A door that has been there all along.

Opening that door changes everything.

Not because the work you've been doing wasn't valuable—but because you suddenly discover there's an entirely new level of growth, clinical depth, and possibility waiting on the other side.

And that's where the real work begins.

In this episode, Tiffany unpacks:

• Why allowing yourself to want more is only the beginning of the journey

• What happens after you begin building a Life First Practice

• The powerful metaphor of "the seam in the white room" and what it reveals about clinical growth

• Why expansion often brings grief, regret, excitement, and uncertainty at the same time

• The hidden cost of trying to navigate new levels of growth by yourself

• Why every new level of success requires new resources, new support, and new ways of thinking

• How investing in yourself becomes part of becoming the therapist your future clients need

• Why the "messy middle" is not a sign you're failing—it's evidence you're growing

• The importance of surrounding yourself with people who have already walked through the next door

• How asking better questions opens opportunities that have been in front of you all along

This episode is about far more than charging higher fees.

It's about becoming the kind of therapist who is willing to keep opening doors.

Because every time you step into a bigger room, you'll discover another seam.

Another opportunity.

Another level of yourself waiting to be explored.

Growth doesn't end.

It expands.

And the therapists who build extraordinary practices aren't the ones who never feel overwhelmed.

They're the ones who learn to stay curious enough to open the next door.

If today's episode helped you see a seam you've never noticed before, email Tiffany at [email protected] with the words: "I Want It."

Because sometimes the biggest breakthrough isn't finding a new strategy.

It's realizing the door has been there all along.

Ready to set your fee? You choose the dream, we'll do the math.🎁 Download our FREE Fun with Fees Calculator 👉🏽 https://www.leaninmakebank.com/free

Ready to charge Life First Fees? Click here to fill out an application

When therapists tell themselves, "I live in a rural area, so premium fees aren't possible here," Leah Harlan is living proof that assumption isn't true.

In just 8 months, Leah increased her annual revenue by more than $40,000 while cutting her caseload nearly in half.

And she did it in rural Virginia.

In this conversation, Leah shares what it looked like to move from exhaustion and overwork into a practice that actually supports the life they want to live. They open up about the fears, mindset shifts, fee increases, and practical decisions that made this transformation possible—and why geography wasn't the barrier they once thought it was.

If you've been convinced your location, market, or community can't support Life First Fees, this episode is a must-listen.

• Why rural therapists often underestimate what clients are willing to invest in therapy

• The mindset shifts Leah had to make before raising their fee

• How they increased revenue by over $40,000 in less than a year

• What happened when they reduced their caseload instead of adding more sessions

• The fears that surfaced throughout the fee-raising process

• How Life First Fees created more sustainability inside and outside the therapy room

• The connection between therapist burnout and undercharging

• Why premium-fee clients exist in every community—including rural areas

• What changed in Leah's confidence, boundaries, and clinical work as their practice evolved

• Advice for therapists who believe their market "can't support" higher fees

• LIMB Academy

• LFF Calculator

• Leah's Website