Explorez tous les épisodes du podcast The Money Sessions

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Dr. Emily Williams is BACK—and this time, we're talking about what happens after you've already built the practice you dreamed of.

Emily went from being paneled with 9–11 insurance companies, seeing 25+ clients a week, and bringing in around $150K a year to building a private-pay practice with fewer clients and significantly more revenue.

But then life happened.

After a major health scare forced her to drastically reduce her caseload, Emily realized something profound: her Life First Fee couldn't just support the life she was living today. It had to support her through aging, illness, family changes, and the unexpected seasons of life.

Now, she's raising her fee from $265 to $350/session—an $85 increase—even though she already has more demand than she can handle.

This conversation is about the messy middle of success, what happens when your practice becomes too full, and why getting to your Life First Fee isn't the finish line—it's the beginning of continually redesigning your practice around your life.

• Why Emily originally stayed on 9–11 insurance panels—and what that was really costing her

• How she went from making around $150K while seeing 25–27 clients a week to making $200K+ with a significantly smaller caseload

• The warning signs that your current way of working is no longer sustainable

• What a major health scare taught Emily about building a practice that can actually take care of you

• Why your Life First Fee needs to account for aging, illness, family responsibilities, and the unexpected

• The surprising reality of raising your fee by $85 with existing clients

• What happens when raising your fee doesn't reduce demand because people still desperately want to work with you

• The anxiety, grief, and even shame that can come with being more in demand than you have capacity for

• Why there is no "finish line" in building a Life First practice

• How Emily learned to embrace the fact that she is naturally driven, curious, and built to keep growing

• The difference between being grateful for what you have and staying stuck because you're afraid to want more

• Why "What if it works?" can be just as powerful a question as "What if it doesn't?"

• Emily's reminder that the answer to every question you don't ask is no

• What it really looks like to keep redesigning your practice as your life changes

• LIMB Academy

• LFF Calculator

• Emily's Website

• Emily's email: ewilliams@silvermaplepsychology.com 

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

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 tiffany@leaninmakebank.com 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 tiffany@leaninmakebank.com 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 tiffany@leaninmakebank.com 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 tiffany@leaninmakebank.com 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 tiffany@leaninmakebank.com 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 tiffany@leaninmakebank.com 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 

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 does it actually mean to be good enough to charge $600 per session?

More certifications?

Another modality?

A better niche?

A prettier website?

Most therapists assume that charging premium fees is simply a reflection of clinical expertise.

But in this episode, Tiffany challenges that assumption and asks a much deeper question:

What if the thing that allows someone to charge $600 per session has less to do with what they know—and more to do with who they become?

Because after working with therapists for over a decade, Tiffany has noticed something fascinating:

The therapists who create Life First Practices don't just change their marketing.

They change their relationship with themselves.

They become freer.

Freer from permission-seeking.
Freer from fear.
Freer from the opinions of colleagues.
Freer from the invisible rules that tell them what's allowed and what's possible.

And that freedom changes everything.

In this episode, Tiffany explores:

• Why charging a Life First Fee is about far more than marketing or clinical skill

• What therapists often misunderstand about charging $600 per session

• The difference between earning more money and becoming more free

• Why SEO, Google Ads, copywriting, and marketing strategies are only the tip of the iceberg

• How internal limitations, fears, and unconscious beliefs create financial ceilings

• The surprising lesson Tiffany learned from a therapist successfully charging $600 per session who still didn't feel free

• Why making more money without doing the deeper work often leaves therapists trapped in new ways

• What it means to build a practice that gives you both time and money

• How personal transformation creates professional demand

• Why becoming more conscious, present, and fully yourself may be the greatest business strategy of all

This episode is not about learning how to charge $600.

It's about becoming the kind of person for whom charging $600 feels natural.

Because there are therapists charging premium fees right now who are still trapped by anxiety, shame, people-pleasing, and fear.

And there are therapists building extraordinary lives because they chose something deeper than a pricing strategy.

They chose freedom.

The kind of freedom that shows up in your relationships.

In your parenting.

In your business.

In your ability to make decisions without constantly asking for permission.

The real question isn't whether you're good enough to charge $600 per session.

The real question is:

What would happen if you became free enough to?

If you're ready to build a Life First Practice that creates both financial success and personal freedom, we'd love to meet you.

Apply to Lean In. MAKE BANK. through this link

Or email tiffany@leaninmakebank.com with the subject line:

"I'm Ready."

Because the goal was never just $600 per session.

The goal is becoming the version of yourself who no longer needs anyone else's permission to build the life you want.

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 happens when a therapist charges $600 per session and becomes the target of criticism, projection, outrage, and endless commentary from other therapists?

In this powerful and provocative episode, Tiffany sits down with a mystery guest we'll call Maverick—a Canadian trauma therapist who built a thriving premium fee practice and now charges $600 per session for deeply relational trauma work.

Maverick shares the emotional reality of raising fees, the backlash they faced from colleagues, the clinical implications of becoming the "bad object," and why so many therapists remain trapped in martyrdom disguised as ethics.

This conversation goes far beyond pricing.

It's about desire.

It's about self-abandonment.

It's about what becomes possible when therapists stop organizing their lives around being perceived as "good."

And it may completely change the way you think about money, power, accessibility, capitalism, and clinical work.

• Why Maverick chose to remain anonymous—and the surprising amount of hate they receive for charging $600 per session

• The journey from charging $80 per session to $600 in just two years

• Why simply raising your fee is not the hard part

• The emotional and identity-level work therapists face when stepping into premium fees

• How therapist training reinforces self-abandonment and martyrdom

• What therapists get wrong about accessibility, privilege, and client decision-making

• Why therapists often assume they know what clients can and cannot afford

• The clinical importance of becoming the "bad object"

• How fee conversations mirror relational trauma dynamics

• Why many therapists unconsciously organize their practices around avoiding discomfort

• The difference between living in fantasy versus living in reality

• How Maverick learned to stop collapsing criticism into "I am bad"

• Why being well-rested, well-trained, well-supported, and financially secure makes therapists better clinicians

• The connection between premium fees and providing transformational trauma therapy

• Maverick's take on capitalism, social justice, and why therapists are often the wrong target

• Why AI will replace many forms of transactional therapy—but not deeply relational work

• The future of private practice and what therapists need to do to remain valuable

• How therapists unknowingly model self-abandonment to clients through their businesses

• What therapists lose when they prioritize being liked over being effective

• LIMB Academy

• Life First Fee Calculator

The Money Sessions is the podcast for therapists who are ready to stop treating money as separate from clinical work.

Each week, Tiffany McLain brings you honest conversations about private practice, premium fees, therapist identity, wealth, desire, marketing, and the emotional realities of building a sustainable business.

Because the therapist you become when you're financially resourced is often the therapist your clients need most.

If this episode resonated with you, share it with a therapist who needs to hear it. And if you're ready to build a premium fee private practice, email tiffany@leaninmakebank.com with the word Ready.

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

Therapists are afraid of a lot of things.

Raising their fees.
Leaving insurance panels.
Being visible.
Being judged.
Failing publicly.

But according to Tiffany, one of the biggest obstacles standing between therapists and the lives they actually want isn't reality.

It's a story.

A story that says:

• Insurance is the only safe option.

• The market is too competitive.

• Clients won't pay.

• The economy won't support it.

• Someone out there is stopping you from succeeding.

In this episode, Tiffany challenges one of the most persistent myths in private practice:

The belief that there is a boogeyman standing between you and the business you want.

Because while insurance companies certainly create challenges, many therapists have unknowingly built entire careers around reacting to fear instead of responding to possibility.

And that fear comes at a cost.

A cost measured in exhausted evenings.
Financial anxiety.
Overloaded caseloads.
Missed time with family.
And years spent living far below your actual potential.

In this episode, Tiffany explores:

• Why therapists often give away their power to systems they believe control them

• The hidden emotional payoff of believing someone else is responsible for your limitations

• How fear-based thinking keeps therapists trapped in business models they no longer want

• Why insurance isn't the true obstacle for most therapists

• The difference between reacting to circumstances and creating a vision for your future

• How chronic financial stress quietly impacts your quality of life

• Why many therapists have stopped imagining what they actually want

• The invitation to stop building a practice around fear and start building one around possibility

• What it means to become the hero of your own story instead of waiting to be rescued

• How to begin imagining "you to the max" and building a practice that supports that vision

This episode is ultimately about reclaiming agency.

Because the question isn't whether insurance is frustrating.

The question is:

What are you going to do with the one life you have?

Will you continue organizing your business around fear?

Or will you finally give yourself permission to imagine something bigger?

A practice where you see fewer clients.
Charge fees that support your life.
Spend more time with your family.
And stop carrying the constant weight of financial anxiety.

As Tiffany asks in this episode:

Who are you at your fullest potential?
Who are you to the max?

Because the future you want won't be built by hiding from fear.

It will be built by deciding that fear no longer gets to make your decisions.

If you're ready to stop playing defense and start building a Life First Practice, fill out an application through this link

Or email tiffany@leaninmakebank.com with the subject line:

"I'm Ready."

Because there is no insurance boogeyman powerful enough to stop a therapist who has finally decided to put their life first.

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 the "messy middle" isn't proof you're failing… but proof you're growing?

In this deeply honest episode, Tiffany sits down with Danielle Robbins, an LMHC in New York, who went from opening a private practice with one client at a $200 fee to charging $255/session, nearly full, and preparing to leave group practice for good.

But this is not a shiny overnight success story.

This is the story of fear. Shame. Doubt. Identity shifts. October–November panic spirals. Networking while terrified. Feeling like "everyone else can do it but me." And continuing anyway.

Danielle shares what it actually looked like to build a Life First Fee practice while navigating deep internal conflict, grief around leaving scarcity behind, and the emotional reality of stepping into more—especially as a Black woman therapist navigating messages about service, struggle, and success.

If you've ever thought:

"Maybe this works for other therapists, but not me…"

This episode is for you.

Because Danielle thought the exact same thing.

And now? They're here telling you why you can do it too.

• How Danielle went from 1 client at $200 → 8 full-fee clients at $255 and growing

• What it really feels like in the "messy middle" (spoiler: doubt doesn't magically disappear)

• Why so many therapists mistake normal growth cycles for failure

• The shame Danielle experienced around success, money, and "doing well"

•  How being a young Black therapist shaped their beliefs about wealth, visibility, and belonging

• The unspoken money dynamics in therapy—and how Danielle's own experience as a free pro bono client changed how they practice

• What happened when inquiries slowed down and fear got LOUD

• Why networking became Danielle's biggest growth strategy (even though they were terrified)

• How stepping into higher fees required stepping into a new identity

• The difference between "failure" and simply being on page three of chapter one

• Why Danielle says therapists don't need confidence to do this—they can do it scared

• The mindset shift that helped them keep going when nothing seemed to be working

• What it means to stop colluding with scarcity and start building a practice rooted in desire, freedom, and sustainability

If this episode hit home, send it to one therapist who needs permission to stop mistaking the messy middle for failure.

And if you're ready to stop white-knuckling your way through private practice and finally build a business that supports your actual life?

Email tiffany@leaninmakebank.com with the word "Ready."

• LIMB Academy

• Fun With Fees Calculator

• Danielle's website:

• Connect with Danielle: danielle@soulfulharmonycounseling.com

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 the thing standing between you and your Life First Practice isn't strategy?

What if it's the story you tell yourself about who you're allowed to be?

In this deeply personal episode, Tiffany shares a surprising encounter that sparked a profound realization about wealth, self-concept, and the invisible limits therapists place on themselves.

A simple conversation about the Hamptons uncovered something many therapists do every day:

They automatically rule themselves out.

Not because they can't.
Not because it's impossible.
But because somewhere along the way they decided:

"That's for those people. Not for me."

Whether it's a trip to the Hamptons, charging $350 per session, making $20,000 a month in private practice, speaking on bigger stages, or simply taking up more space in the world—many therapists unconsciously reject opportunities before they ever give themselves permission to consider them.

And that's exactly what Tiffany challenges in this episode.

In this episode, Tiffany explores:

• Why therapists often disqualify themselves from the very lives they want before they even try

• The hidden psychological cost of choosing what's "comfortable" instead of what's actually aligned with your goals

• How self-concept—not marketing—is often the biggest barrier to charging Life First Fees

• Why therapists routinely shrink themselves around wealth, success, authority, and visibility

• The surprising ways Tiffany caught herself minimizing her own success in real time

• What your desired fee symbolizes psychologically, emotionally, and relationally

• Why therapists readily accept negative projections ("struggling therapist," "martyr," "burned out clinician") but resist positive ones like authority, expertise, and abundance

• How to begin expanding your capacity to hold more success, more visibility, and more ease without abandoning yourself

• The paradigm shift required to build a practice that generates both freedom and meaningful income

This episode isn't really about the Hamptons.

It's about the places, spaces, opportunities, and identities you've quietly decided aren't available to you.

It's about the part of you that wants more—and the part of you that immediately explains why you can't have it.

And it's about learning to stay present long enough to question whether those stories are actually true.

Because the therapists who build Life First Practices aren't necessarily smarter.

They're not better marketers.

They're simply willing to ask:

"Who would I have to become if this were actually possible for me?"

If you're ready to step into a new paradigm—one where $350 sessions, $20,000 months, spacious mornings, creative work, and financial ease are no longer things that happen to "other people"—this episode is for you.

Email tiffany@leaninmakebank.com with the word "Paradigm."

Because the goal isn't the Hamptons.

The goal is becoming the version of yourself who no longer automatically assumes you don't belong there.

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 happens when the practice you built starts feeling like a trap?

In this deeply honest Money Sessions episode, Tiffany sits down with therapist Hillary Pilotto to unpack the emotional, financial, and identity-level shifts that helped them go from exhausting $6K months to consistent $10K+ months… while seeing WAY fewer clients.

And here's the thing:
Hillary already had what many therapists think they want.

A thriving group practice.
An associate.
An admin team.
Insurance referrals flowing in.
A "successful" business on paper.

But underneath?

They were overworking, overwhelmed, disconnected from their own life… and quietly realizing they didn't actually want the business they had built.

This conversation is about what happens when you finally stop abandoning yourself to keep everyone else comfortable.

It's about:
✨ Leaving insurance
✨ Letting yourself disappoint people
✨ Rebuilding your relationship with money
✨ Releasing "good therapist" conditioning
✨ Learning to trust your own desires
✨ And creating a business that actually supports your LIFE

And perhaps most importantly?

Hillary talks openly about the grief and fear that comes with changing — even when the change is exactly what you need.

Because no…
This process isn't easy.

But it is possible.

• Going from 20+ sessions a week to just 10–13 clients

• Increasing fees to $280/session

• Why "successful on paper" can still feel deeply unsustainable

• The emotional labor of owning a group practice

• Leaving insurance despite fear, guilt, and external pressure

• Why so many therapists stay trapped at the $5K–$6K/month ceiling

• The difference between marketing strategy and mindset work

• How community support changed everything

• Releasing scarcity and stepping into abundance

• Building a practice around motherhood, spaciousness, and nervous system regulation

• The identity shifts required to charge Life First Fees

One of the most powerful moments in the episode?

When Hillary says:

"If I don't want to do something anymore, I don't question it or feel guilty. I just know… I don't want to do that."

WHEW.

If you've been secretly fantasizing about working less…
If you've built a practice that no longer fits your life…
If you've been telling yourself "this is just how private practice has to be"…

This episode will crack something open for you.

And if this episode hit you somewhere deep…

If you're realizing you've been over-functioning, over-giving, and undercharging for far too long…

Email Tiffany directly at tiffany@leaninmakebank.com with the word READY.

• LIMB Academy

• Fun With Fees Calculator

• Hillary´s Website

• Hillary´s Instagram

• Connect with Hillary: Hillary@betterbalancecounseling.com

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

There is a reason so many therapists are exhausted, resentful, financially anxious, and quietly fantasizing about leaving the profession altogether.

And it's not because they "aren't good at business."

It's because most therapists are trying to run their private practice like a cupcake shop.

In this sharp, disruptive, and deeply clarifying episode, Tiffany unpacks one of the biggest misunderstandings therapists have about the work they do—and why it's leading directly to burnout, overwork, low fees, and emotional collapse.

Because therapy is not a commodity.

You are not selling cupcakes.
You are not selling a cute, inexpensive, endlessly reproducible product designed for mass consumption.

You are offering highly specialized, relational, psychologically sophisticated work that changes lives.

And yet therapists continue to price, market, and emotionally position themselves as if they are competing in a bargain marketplace.

The result?

Overfull caseloads.
Constant financial stress.
And therapists trying to survive on business models that fundamentally do not match the depth or intensity of the work being provided.

In this episode, Tiffany breaks down:

• Why therapists unconsciously market themselves like low-cost consumer businesses

• The dangerous psychological consequences of treating therapy like a commodity

• How scarcity thinking drives therapists to overload their caseloads

• Why "affordable for everyone" often becomes unsustainable for the therapist themselves

• The hidden resentment and burnout that emerge when therapists continually undercharge

• How clients experience therapists who are financially stretched and emotionally depleted

• Why premium fees are often necessary for deeper, more attuned clinical work

• The difference between transactional services and transformational relationships

• Why therapists must stop comparing themselves to mass-market industries

• What shifts when you begin treating your work like a true profession instead of a hustle for survival

This episode is ultimately about professional identity.

Because the way you price your work reflects the way you understand your value.

And if you continue operating like a cupcake shop—high volume, low margin, emotionally unsustainable—you will build a practice that consumes your life instead of supporting it.

Therapy is intimate.
Complex.
Transformational.

And your business model needs to reflect that reality.

If you're ready to stop building a burnout machine and start building a Life First Practice, apply to Lean In. MAKE BANK. through this link

Or email Tiffany at tiffany@leaninmakebank.com with the subject line: "Cupcake Shop."

Because the future of therapy belongs to clinicians who stop commodifying themselves—
and start valuing the depth of what they actually do.

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

Think therapists in Canada can't charge premium fees? Think again.

In this episode of The Money Sessions, Tiffany sits down with Amelia Sloan, a Canadian-based therapist whose journey challenges the belief that geography, culture, or the therapy industry determines what you can earn.

Before making changes in their practice, Amelia was seeing 15–18 clients a week, charging roughly $80–$140 per session, and bringing in about $5K–$6K months in private practice.

Like many therapists, they carried a deep sense of responsibility to make therapy accessible—often subsidizing clients while quietly watching their own quality of life decline.

But when Amelia realized they couldn't even afford the services they valued from others, something shifted.

Instead of continuing to sacrifice their own sustainability, Amelia decided to rethink everything about how they approached fees, value, and the role they played in their own business.

Today, their practice looks radically different.

They see about 15 clients per week, charge $300 per session, and recently hit a $17K month—all while creating more space in their life as a parent of a young child.

Their story is a powerful reminder that building a Life-First Practice isn't about working more—it's about aligning your work, values, and fees in a way that actually supports your life.

• What Amelia's practice looked like before raising their fees

• The moment they realized they were subsidizing everyone except themself

• How social justice values and money beliefs kept them undercharging

• Why many therapists get stuck around $5K–$6K months

• The grief and fear that often come with raising fees

• Moving from $80–$140 sessions to a $300 Life-First Fee

• Hitting $17K months while seeing just 15 clients per week

• Why raising fees actually improved their clinical presence and capacity

• The mindset shift from scarcity to abundance and mutual exchange

• Building a thriving practice in Canada—even when people say it's impossible

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Amelia`s Website

ameliasloantherapy@gmail.com

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

Therapists are asking the wrong question.

The question is not:

"How do I get more clients?"

The real question is:

"How do I become a therapist whose work creates powerful, noticeable transformation?"

Because in 2026, clients are no longer simply looking for weekly emotional maintenance.
They are looking for results.

And therapists who can confidently help clients experience meaningful movement—without collapsing into hustle, overwork, or performative "fixing"—will become increasingly valuable.

In this episode, Tiffany breaks down the conversation almost nobody in the therapy industry wants to have openly:

Why certain modalities create faster, deeper transformation—and how that impacts your positioning, authority, and ability to charge Life First Fees.

This is not about gimmicks.
It's not about promising overnight healing.
And it's definitely not about becoming a "therapy influencer" chasing quick wins.

It's about understanding that clients who are paying premium fees are often looking for therapists who:

• can articulate how change happens,

• understand transformation deeply,

• and practice with intentionality, precision, and confidence.

In this episode, Tiffany explores:

• Why "results" have become increasingly important in the therapy marketplace

• The difference between transformational work and endless processing

• How modalities that create rapid insight and nervous system shifts naturally position therapists differently

• Why many therapists secretly fear effectiveness because it threatens long-term dependency models

• The relationship between clinical confidence and premium fees

• How clients experience therapists who deeply trust their own process

• Why high-value clients are often seeking clarity, momentum, and measurable internal shifts

• The danger of becoming overly rigid or dogmatic about any one modality

• Why relational depth still matters more than technique alone

• How therapists can evolve clinically without becoming performative or salesy

This episode is ultimately about professional evolution.

Because therapists who understand how transformation works—and can confidently guide clients through it—will not need to convince people to value therapy.

The work will speak for itself.

And in a rapidly changing world where AI and low-cost mental health platforms are flooding the market, therapists who offer deep, nuanced, high-impact work will increasingly stand apart.

If you're ready to build a Life First Practice rooted in both clinical depth and financial sustainability, apply to Lean In. MAKE BANK. through this link

Or email Tiffany at tiffany@leaninmakebank.com with the subject line: "I'm Ready."

Because the future belongs to therapists who know how to create transformation—
and who are finally willing to value it accordingly.

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 happens when you cut your income in half… and feel more free than ever?

In this unforgettable episode of The Money Sessions, Tiffany sits down with Krissy Johnson, LMFT, whose path into private practice is anything but traditional.

Before becoming a therapist, Krissy toured the country as a performer. When COVID shut down the industry, she finally used the therapy degree she had earned years earlier—quickly building a full private practice on insurance panels and seeing 25 clients a week.

On paper, things looked great. She was bringing in around $8K a month.

But behind the scenes, she was exhausted—often juggling 20–25 clients a week while performing in a musical eight shows a week in Las Vegas.

Even though her practice was "full," her time wasn't hers. Her schedule was packed, her energy was drained, and she knew something had to change.

Today, Krissy charges a $310 Life-First Fee, works with a highly specific niche, and sees about 5–6 clients per week.

Her income is currently lower than it was before—but her life is completely different.

She has spacious mornings, time to write music, and the freedom to build a practice around the work that truly matters to her.

• Krissy's journey from touring musician to therapist
  
  

• Building a "full" practice on insurance panels—and why it still felt unsustainable
  
  

• Seeing 25 clients a week while performing eight shows a week
  
  

• The fear of leaving insurance and having the first conversation with clients
  
  

• Why the first fee conversation changed everything in her body
  
  

• Gradually raising her Life-First Fee from $150 → $210 → $310
  
  

• Seeing fewer clients while creating more freedom and spaciousness
  
  

• Marketing by showing up where your ideal clients actually are
  
  

• Attending a major adult-industry expo as the only therapist in the room
  
  

• Reclaiming her voice after years of silence—and how that shaped her niche
  
  

Krissy now specializes in working with women in the adult industry and women living "double lives." Her work is deeply personal, rooted in her own lived experience and commitment to helping clients find their voice.

Her story is a powerful reminder that building a Life-First Practice isn't just about money.

Sometimes it's about reclaiming your time, your creativity, and the parts of yourself that were silenced along the way.

LIMB Academy

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Krissy Johnson`s Website

Krissy Johnson`Instagram

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 biggest thing holding back your private practice isn't your marketing… it's the paradigm you're operating in?

In this episode, Tiffany dives into one of the most uncomfortable (and liberating) truths about money, business, and therapists: many of us are unknowingly operating in a zero-sum paradigm where someone always has to lose.

And if that's the world you believe in?
It becomes almost impossible to build a thriving private practice.

Because every exchange of money starts to feel like exploitation.

Charging your fee feels like hurting someone.
Investing in yourself feels like getting scammed.
Growing your practice feels morally suspicious.

So you stay stuck.

This episode explores the two completely different financial realities therapists live inside—and why choosing a new paradigm might be the most important business decision you ever make.

Tiffany also shares her own story of growing up with deeply ingrained scarcity beliefs, how those beliefs shaped her relationship to money and business for years, and what finally allowed her to step into a completely different way of operating.

Because here's the truth:

You can build your practice inside a world where someone always loses.

Or you can step into a paradigm where everyone wins—and growth compounds for everyone involved.

Your clients.
Your colleagues.
And you.

If you've ever wondered why your income stalls, why raising fees feels terrifying, or why every investment in your business feels like a potential scam—this conversation will hit deep.

And it might just change how you see your practice forever.

In this episode, we talk about:

• The two financial paradigms therapists unknowingly operate inside
  
  

• Why the "I win, you lose" mindset silently sabotages private practices
  
  

• How scarcity beliefs make charging fees feel unethical or dangerous
  
  

• Why therapists often stall around the same income ceilings
  
  

• How suspicion around money blocks growth, investment, and connection
  
  

• The hidden clinical consequences of feeling "scammy" about charging clients
  
  

• What it actually looks like to run a business in a true win-win paradigm
  
  

Ready to build a practice where everyone wins?

Inside Lean In. MAKE BANK., Tiffany helps therapists step into their Life-First practice—charging premium fees while seeing fewer clients and creating financial and emotional stability.

If you're ready to explore what that could look like for you, fill out an application through the link in the show notes.

Your future clients are looking for a therapist they can trust with both their healing and their money.

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 Alana started her private practice, she was charging as little as $60 per session.

Like many therapists, she deeply believed therapy should be accessible. But as a multi-racial therapist, solo breadwinner, and mom of a young child, the reality of running a practice quickly caught up with her.

Despite being an excellent clinician and working hard, her practice was bringing in $4K–$6K months, and the financial pressure was constant. She tried what many therapists try first—adding new offers like couples intensives—but nothing solved the underlying issue.

Her fees simply weren't aligned with the life she needed to support.

Inside this episode, Alana shares how she moved from a patchwork caseload with clients paying anywhere from $60 to $200, to building a private-pay practice where most of her clients now pay $250–$425 per session.

Today, about 90% of her caseload pays $250+, her practice is full, and she's preparing for maternity leave with a level of financial stability she never thought possible.

Her story is a powerful example of what happens when therapists stop waiting for referrals, marketing hacks, or new services to fix their income—and instead address the deeper beliefs keeping their fees low.

• What Alana's practice looked like before raising her fees
  
  

• The concept of "pretend fees" and why many therapists unknowingly operate this way
  
  

• Why adding intensives didn't solve her income problem
  
  

• The emotional and psychological blocks that kept her undercharging
  
  

• The moment she realized waiting wasn't going to work
  
  

• What it was actually like raising fees with current clients
  
  

• How fee conversations can become powerful clinical work with couples
  
  

• Building a sustainable practice as a multi-racial therapist and solo breadwinner
  
  

LIMB Academy

FWF Calculator

Alanna`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

There's a part of you that wants more.

More ease.
More freedom.
More money.
More spaciousness.
More time with your kids.
More creativity.
More life.

And there's another part of you that is absolutely terrified of what it would mean to actually have it.

In this deeply personal and psychologically rich episode, Tiffany unpacks the internal war therapists experience when they begin stepping toward Life First Fees, authority, freedom, and real financial expansion.

Because wanting more is actually not the hard part.

The hard part is surviving the voices inside you that say:

• "You're greedy."

• "What about the clients who need help?"

• "Who do you think you are?"

• "Good therapists don't want this."

• "You're becoming unethical."

• "You're hurting people."

This episode explores what happens when one part of you longs for growth while another part is still deeply loyal to fear, conditioning, scarcity, and self-protection.

And if you've ever listened to this podcast feeling simultaneously inspired and activated… Tiffany explains exactly why.

In this episode, Tiffany breaks down:

• Why therapists often feel both captivated and threatened by the idea of charging Life First Fees

• The unconscious "committee" inside therapists that fights against change and expansion

• How childhood conditioning, family systems, and cultural beliefs become internalized voices about money and success

• Why many therapists intellectually want freedom while emotionally defending against it

• The difference between therapists who step into change—and therapists who stay stuck arguing with possibility

• Why being surrounded by people who share the same fear keeps you trapped in financial paralysis

• The importance of having both:

• a clear system for building a Life First Practice

• and a container that supports new ways of thinking

• How therapists in Lean In. MAKE BANK. move from fear and ambivalence into authority, clarity, and real financial growth

• Why your fees have nothing to do with your goodness, worthiness, or ethics

• The mindset shift that changes everything:
  "Yes… and more please."

This episode is not just about money.

It's about whether you are willing to become the version of yourself that can actually receive the life you say you want.

Because for many therapists, the greatest obstacle isn't strategy.

It's permission.

Permission to want more.
Permission to stop martyring yourself.
Permission to build a business that fully supports your life.

And permission to believe that wanting more does not make you bad.

It makes you honest.

If you're ready to step into a different way of thinking, living, and building your practice, apply to Lean In. MAKE BANK. through the link in the show notes.

Or email Tiffany at tiffany@leaninmakebank.com with the subject line: "Yes and More Please."

Because the version of you on the other side of this work?

You haven't even met them yet.

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 system you were told would "fill your practice" is actually the thing keeping you underpaid and overwhelmed?

In this episode of The Money Sessions, Tiffany sits down with Katerina Pogosov, a therapist who spent 14 years working in school-based mental health before opening her private practice and encountering the same structures many therapists rely on—insurance panels and large therapy platforms promising steady referrals.

Instead of freedom, she found administrative friction, tech headaches, and a model that quietly capped both her income and autonomy.

Katerina started her practice charging $107 per session while relying heavily on insurance platforms. Over time, she began to see what many therapists eventually discover: the systems that promise "full caseloads" often create burnout, instability, and income ceilings.

So she made a different move.

Today, Katerina runs a private pay practice charging $265 per session, with a smaller, intentional caseload designed around sustainability and alignment with the clients she most wants to serve.

Her work now focuses on BIPOC professionals navigating identity, class mobility, money narratives, and generational expectations—a niche deeply connected to her own lived experience.

This conversation is about recognizing the scam many therapists were trained into, reclaiming agency over your practice model, and building a business that actually supports your life.

• Why insurance panels and therapy platforms can quietly cap therapist income
  
  

• The hidden administrative and emotional costs of relying on large therapy platforms
  
  

• How Katerina increased her fee from $107 to $265 per session
  
  

• Recognizing and stepping away from systems that keep therapists underpaid
  
  

• Creating a niche rooted in lived experience and cultural context
  
  

• Supporting BIPOC professionals navigating identity, money, and class mobility
  
  

• Designing a practice that prioritizes sustainability instead of burnout
  
  

LIMB Academy

FWF Calculator

Katerina`s Website

firepoppytherapy@protonmail.com

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

Every therapist has asked this question—
even if only silently:

"Is it ethical for me to charge this much?"

And underneath that…
"Who gets to decide?"

In this episode, Tiffany takes on one of the most confusing, loaded, and emotionally charged topics in our field: the ethics of fees.

Because right now, therapists are getting very mixed messages.

Charge more—but don't be greedy.
Take care of yourself—but don't abandon accessibility.
Build wealth—but stay humble.
Value your work—but don't make clients uncomfortable.

So who do you listen to?

Your grad school training?
Your licensing board?
Your colleagues in Facebook groups?
The loudest voices on Instagram?

Or the quiet voice in your own body that knows something isn't working?

In this episode, Tiffany cuts through the noise and names the deeper issue:

Most therapists are outsourcing their ethical authority.

And it's keeping them stuck, under-earning, and disconnected from the very clients they're meant to serve.

In this episode, Tiffany breaks down:

• Why the "ethics of fees" conversation is often rooted in fear, not actual ethics

• The difference between ethical responsibility and emotional discomfort

• How therapist culture reinforces confusion, guilt, and second-guessing around money

• Why looking to misaligned peers for guidance will keep you stuck

• The role of personal responsibility in determining your fees

• What it actually means to run an ethical, sustainable, professional practice

• Why undercharging can be just as unethical as overextending yourself

• How to start trusting your own clinical and financial authority

This episode is not about giving you a number.

It's about giving you your authority back.

Because ethics are not determined by the loudest, most anxious voices in the room.

They are determined by your ability to think clearly, act responsibly, and build a practice that actually works—for you and your clients.

If you're ready to set fees that are both ethical and sustainable email tiffany@leaninmakebank.com with the subject line "I'm Ready."

Because the real question isn't:
"Is this ethical?"

It's:
"Am I willing to take responsibility for building a practice that actually works?"

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

In this episode of The Money Sessions, Tiffany talks with Jesse Hernandez, LPC, a therapist practicing in a small Texas town who made the bold decision to significantly increase his session fee.

When Jesse first started exploring the idea of charging more, he was seeing around 12–15 clients per week at about $110 per session—while also working a weekend night job to supplement his income.

Financial pressure was real.
But so was the self-doubt.

Could clients in a small town actually afford higher fees?
Would people still book with him?

Jesse decided to test those assumptions.

Over time, he raised his rate to $250 per session, confronting imposter syndrome and internal resistance along the way.

In this episode, Jesse shares the vulnerable moments that came with that transition—including the fears, the unexpected lessons, and the role community support played in helping him stay the course.

• What it's like building a premium-fee practice in a small town

• The fears therapists often face when raising their rates

• Jesse's journey from $110 to $250 per session

• How self-doubt and imposter syndrome show up in private practice

• Why community and mentorship can change the trajectory of a business

• What it looks like to build a practice aligned with your values and goals

LIMB Academy

FWF Calculator

Jesse`s Website

jessehernandez@elevatemh.com

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

AI is already here.
And yes—it is replacing therapists.

Not all therapists.
But many.

And the ones most at risk?
They're not who you think.

In this episode, Tiffany cuts through the noise, the panic, and the denial to tell you the truth about what's actually happening in the therapy industry—and what you must do right now if you want to stay relevant, in demand, and well-paid in 2026 and beyond.

Because this isn't about fear.
It's about positioning.

If your work is standardized, manualized, surface-level, or transactional…
AI can—and will—replace it.

But if your work is relational, complex, deeply attuned, and rooted in true psychological expertise?

AI can't touch you.

The problem is: most therapists are being trained, incentivized, and pushed into models that make them easier to replace.

And almost no one is talking about it.

In this episode, Tiffany breaks down:

• What AI is actually replacing in therapy (and why it's accelerating fast)

• Why insurance-based, high-volume models are the most vulnerable

• How "checkbox therapy" and worksheet-driven work set you up to be replaced

• The difference between transactional care and transformational work

• Why undercharging is no longer just a money issue—it's a survival issue

• What clients who can pay premium fees are really looking for (and why AI can't replicate it)

• How to position yourself as irreplaceable in a rapidly changing industry

• Why your relationship with money directly impacts your long-term relevance

• The role of authority, depth, and clinical leadership in the future of therapy

This episode is a line in the sand.

Because the therapists who thrive in 2026 will not be the ones who waited.
They will be the ones who adapted, elevated, and claimed their value early.

If you're ready to build a practice that AI cannot replace…

Inside Lean In. MAKE BANK., you'll learn how to create a Life-First Practice—charging premium fees, working fewer hours, and positioning yourself as a high-level clinician clients trust deeply.

email tiffany@leaninmakebank.com with the subject line "I'm Ready."

Because AI can replace tasks.
It can replace scripts.
It can replace surface-level care.

But it cannot replace you—if you build your practice the right way.

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

In this episode of The Money Sessions, Tiffany sits down with therapist Kara Cruz, who began building her private practice while working full-time in community mental health.

Like so many clinicians leaving CMH, Kara started out charging relatively low fees and trying to grow her caseload during evenings and weekends while balancing the demands of a full-time job.

But as her practice evolved, Kara began thinking more strategically about sustainability, impact, and income.

Over time, she raised her average fee from $100 to $225 per session and began expanding beyond traditional one-to-one therapy by developing scaled offerings like therapy groups, consultation, and trainings for other clinicians.

Her journey highlights an important truth for many therapists: a sustainable practice doesn't have to rely solely on individual sessions.

In this conversation, Kara shares how she moved from burnout and overwork toward a practice model that includes multiple revenue streams and greater flexibility.

• Kara's transition from community mental health to private practice

• The challenges of building a caseload while working a full-time job

• Why raising fees often requires both financial and mindset shifts

• How Kara increased her average session fee from $100 to $225

• The role therapy groups and consulting play in scaling a practice

• Why therapists benefit from diversifying income streams

LIMB Academy

FWF Calculator

Kara`s website

Kara`s Instagram

kara@karacruz.com

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

If you're feeling stuck in your private practice, you might think the problem is clarity.

You might believe you just need the right idea.
The right strategy.
The right moment of inspiration.

So you wait.

You wait for the momentum to arrive.

But in this episode, Tiffany shares a powerful realization from a conversation with her business advisor that completely shifted how she thinks about growth, action, and building a business.

Because the truth is:

Momentum isn't something you find.
It's something you create.

And if you're trying to build something that doesn't yet exist—like a Life-First private practice—waiting for momentum can keep you stuck for months or even years.

In this episode, Tiffany pulls back the curtain on a moment in her own business when she realized she had been doing exactly that: waiting for the energy, the idea, the clarity to strike from the outside.

Instead, she discovered that entrepreneurs, cycle-breakers, and therapists building new paradigms have to generate momentum themselves.

Through decisions.
Through action.
Through disciplined thinking.

If you've been waiting for the sign to finally raise your fees, change how you market your practice, or build a business that truly supports your life, this conversation will challenge the story that momentum has to come first.

Because the real sequence looks very different.

Action creates momentum.

In this episode, we talk about:

• The common trap of waiting for inspiration before taking action

• Why entrepreneurs and cycle-breakers must create their own momentum

• How a single mindset shift changed Tiffany's approach to business growth

• The connection between personal discipline and business momentum

• Why therapists often stay stuck in "good enough" practices

• How your environment influences what feels possible in your business

• The power of surrounding yourself with therapists who are building Life-First practices

Ready to create momentum in your own practice?

Inside Lean In. MAKE BANK., therapists learn how to build Life-First practices—seeing fewer clients, charging premium fees, and creating financial stability without burnout.

If you've been listening to this podcast and wondering when it's your turn, this might be the moment you stop waiting.

Scroll down to the show notes and fill out an application to work with Tiffany and the team.

Or email tiffany@leaninmakebank.com with the word Ready to learn more about stepping into your Life-First practice.

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

In this episode of The Money Sessions, Tiffany talks with therapist David Flowers about what it really takes to raise your fees—and why the biggest obstacle often isn't strategy.

It's belief.

Like many therapists, David began his private practice following the path most clinicians are taught: work hard, see as many clients as possible, and hope that financial stability eventually follows.

But over time, he began realizing that the traditional model wasn't actually designed for sustainability.

Instead of working harder, David started examining the numbers, assumptions, and money beliefs underlying his practice. That process eventually led him to make a significant shift—raising his session fee by $100.

In this conversation, David shares the internal work, practical steps, and mindset shifts required to step into higher fees while staying aligned with his values as a therapist.

• Why raising your fees often triggers unexpected fear and doubt

• The financial math therapists often overlook in private practice

• How money beliefs influence clinical and business decisions

• What helped David move forward with a $100 session fee increase

• The importance of designing a practice that supports your actual life

• Why sustainability matters for both therapists and clients

LIMB Academy

Fun With Fees Calculator

David´s website 

dave@davidflowerstherapy.com

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

There are people out there who want therapy and can easily afford $300, $400, even $500 per session.

They're not rare.
They're not mythical.
They're not just in Silicon Valley or Manhattan.

They're everywhere.

But many of them will never walk through your door — not because they don't need therapy, and not because they don't value therapy.

They won't come because they don't trust therapists around money.

In this episode, Tiffany pulls back the curtain on a dynamic that's quietly shaping the future of our profession: the toxic relationship therapists have with money — and how it's pushing well-resourced clients away from therapy altogether.

After a decade of working behind the scenes with therapists and hearing what's really happening inside private practices, Tiffany shares the uncomfortable truth:

When therapists publicly shame wealth, criticize colleagues for charging premium fees, or martyr themselves financially, we don't just hurt ourselves.

We damage the credibility of the entire profession.

And the clients who could most easily pay Life First Fees?
They see it.

They read the Facebook threads.
They watch the Instagram commentary.
They notice the resentment and the guilt around money.

And then they quietly go somewhere else.

Executive coaches.
Consultants.
Energy healers.
High-end coaching programs.

Not because those professionals are more qualified — but because they appear more confident about the value of their work.

In this episode, Tiffany breaks down:

• Why therapists with toxic money beliefs are unintentionally repelling well-resourced clients

• How therapist culture often shames colleagues who want financial stability and freedom

• Why people who can afford therapy are actively paying attention to how therapists talk about money

• The hidden ways martyrdom and self-sacrifice show up in therapist business models

• Why marketing strategies alone cannot fix a broken relationship with money

• How unresolved attachment wounds often get projected onto financial exchanges with clients

• What happens in sessions when therapists feel anxious, ashamed, or conflicted about charging fees

• Why many high-income clients end up working with coaches instead of therapists

• The professional authority therapists actually hold — and why we routinely undervalue it

• How raising the bar around money conversations can elevate the entire field

This episode is a direct call to therapists to step into professional leadership — not just clinically, but financially.

Because therapy is not a charity model.
It is a professional service grounded in deep psychological expertise.

And when therapists treat it that way, clients respond accordingly.

If we want a profession that is respected, sustainable, and capable of transforming lives, we have to transform how we talk about money.

If you're ready to build a Life First Practice and charge fees that support the life you actually want, email Tiffany at tiffany@leaninmakebank.com with the word "Ready."

Or apply to work together through the link in the show notes.

It's time for therapists to stop apologizing for earning well.

It's time to raise the bar — for ourselves, for our clients, and for the profession.

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

In this episode of The Money Sessions, Tiffany sits down with therapist Alyssa Desroches, a neurodivergent clinician and mom of two young children who realized the way she was running her practice simply wasn't sustainable.

Like many therapists, Alyssa started out doing what she thought she had to do: accepting insurance, keeping her fees relatively low, and packing her schedule with clients just to make the numbers work.

At one point, she was seeing 28 clients a week at an average of about $110 per session—all while trying to care for two little ones and manage her own neurodivergent needs.

The math wasn't working.
And neither was the lifestyle.

In this honest conversation, Alyssa shares what happened when she began questioning the system she was operating in—and ultimately raised her fee to $300 per session while reducing her caseload and reclaiming her time and energy.

This episode is a powerful look at what happens when therapists stop building practices around survival and start building them around the life they actually want.

• What it looked like to run a practice seeing 28 clients per week

• The pressure many therapists feel to stay on insurance panels

• How motherhood and neurodivergence shaped Alyssa's priorities around work

• The mindset work behind raising her fee from $110 to $300 per session

• What happened when she began charging her new rate

• How she redesigned her practice to support her family and her nervous system

• Why fewer clients can lead to more sustainable clinical work

LIMB Academy

Fun With Fees Calculator

Alyssa Desroches Website

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

This episode is unlike anything Tiffany has ever done on The Money Sessions.

A week before recording an entire season of the podcast, Tiffany received a winding, honest email from a therapist named Maggie. Maggie was already charging $250 per session. She had a full practice. On paper, everything looked "successful."

And yet… something wasn't right.

Instead of booking a private consult, Maggie made a bold proposal:
What if we recorded the conversation — live — and let listeners hear the decision-making process in real time?

Tiffany said yes.

What follows is a raw, unscripted, fly-on-the-wall conversation where nothing is polished and nothing is hidden. You'll hear Tiffany think out loud, name unconscious dynamics, challenge money stories, and explore what Life First Fee really means — even (especially) for therapists who "already charge a lot."

This episode is part money work, part psychoanalytic process, and part mirror.

If you've ever wondered:

• "Is it enough to just raise my fee?"

• "Why do I still feel anxious even though I'm doing well?"

• "What if something is still off — even when the numbers look good?"

…this episode is for you.

• Why charging $250/session doesn't automatically mean you're living your Life First Fee

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

• What happens when a practice looks ideal on paper but feels unsustainable in the body

• The hidden cost of seeing 18–20 clients a week — even at high rates

• How "being busy" can keep you from facing deeper questions about desire and ease

• Why Maggie's nervous system — not her spreadsheet — was sounding the alarm

• The unconscious stories therapists tell themselves about worth, entitlement, and greed

• How many therapists are closer than they think… but still not in reality

• What it really looks like when 100% of your caseload pays your Life First Fee

• LIMB Academy

• Fun With Fees Calculator

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

From agency burnout to financial peace, Angie Pulido Banner's story is a powerful example of what happens when you stop waiting for permission and start leading your life like a CEO.

In this episode, Angie shares:

• How years of overworking and undercharging finally reached a breaking point
  
  

• The fears she had to overcome to set premium fees
  
  

• Why she stopped apologizing for wanting more and started building with intention
  
  

• The personal and clinical shifts that followed once she charged what she's worth
  
  

• What her life looks like now that she's no longer in survival mode
  
  

Resources mentioned:

• LIMB Academy
  
  

• Fun With Fees Calculator
  
  

•  Angie`s Instagram

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

Therapists are the identified patients of our culture.

You were the one who noticed when something wasn't right.
You named what everyone else refused to see.
You felt the emotional temperature of the room before anyone else had words for it.

And because of that, you were often told to be quiet.
To stop making things uncomfortable.
To sit down, calm down, tone it down.

This episode is Tiffany naming what has always been true about you — and why it matters more now than ever.

In a world addicted to black-and-white thinking, hot takes, and algorithmic "answers," you are the one built to hold nuance, depth, and complexity. And that makes you powerful. It also makes you inconvenient.

In this episode, Tiffany unpacks:

• Why therapists have always been the identified patients — in our families and in society

• How early punishment for naming truth trained you to silence yourself

• Why being sensitive, perceptive, and attuned is not a liability but a leadership trait

• What it means to be "on the vanguard" — and why it often comes with initial rejection

• How culture's push toward flattening complexity (AI, algorithms, binaries) directly threatens therapy

• Why therapists must claim authority in 2026 — or big tech will do it for us

• The direct link between owning your authority and charging your Life First Fee

• Why you cannot be an empowered change agent while overworked, underpaid, and trapped in insurance systems

• What becomes possible when you charge enough to have time, space, rest, and creative freedom

• Why the work of cultural change has to start in your own practice

This episode is not about marketing.
It's not about mindset.
It's about agency.

If therapists do not step into authority — intellectually, clinically, financially — we will be replaced by systems that cannot hold human complexity.

And the first place to reclaim your power is your fee.

If you're tired of being exhausted, underpaid, and pushed around — by systems or by your own fear — email Tiffany at tiffany@leaninmakebank.com with the word "Impact."

She'll know exactly what you mean.

It's time to stop shrinking.
It's time to stop apologizing.
It's time to take your place.

And yes — it starts with you owning your Life First Fee.

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

Meet Charlese Williams, a powerhouse therapist from Atlanta who almost didn't join LIMB — because she "couldn't afford it."

What happened next changed everything.

Charlese joined anyway. She faced her money fears, dismantled the lies she'd learned about what Black women "should" earn, and built a thriving private practice charging $250 per session — with boundaries, ease, and joy.

If you've ever believed that financial freedom was for "other people," this episode will shake that story loose.

In this episode, Charlese shares:

• The moment a white professor told her therapists only make $40K — and what she did with that information
  
  

• How she broke free from the insurance "pimp game" and scarcity mindset
  
  

• Why joining LIMB became an act of liberation
  
  

• How she's now leading with her worth and refusing to settle
  
  

• What she's learning about boundaries — even at her own wedding
  
  

Resources mentioned:

• LIMB Academy
  
  

• Fun With Fees Calculator
  
  

• Charlese`s Instagram
  
  

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

There's a reason your practice feels capped.
There's a reason $300 per session feels theoretical instead of inevitable.
And it has nothing to do with your clinical skill, your niche, or "this economy."

It's this: you are not in the room.

In this episode, Tiffany builds on her conversation with Sarayu and names the uncomfortable truth most therapists avoid: if you are not consistently putting yourself in spaces with people who have the resources to pay your Life First Fee, you are unconsciously choosing to stay stuck.

Not because you're lazy.
Not because you're bad at business.
But because fear, shame, and old class conditioning are quietly running the show.

In this episode, Tiffany breaks down:

• Why therapists instinctively avoid rooms where people can easily pay $300–$400 per session

• The real emotions that surface when you imagine being around wealth, power, and influence (imposter syndrome, envy, shame, fear)

• How "networking with struggling therapists" and outdated marketing tactics protect you from discomfort—but sabotage your income

• Why this is not a moral failure, but is a strategic problem

• The two things required to do the unimaginable (leave insurance, raise fees, step into authority):

• a container for regulation and integration

• clear, strategic steps so you know what you're doing and why

• Why staying out of the room doesn't just hurt your business—it harms the future of therapy itself

• How therapists excluding themselves from power has opened the door for AI, tech companies, and non-clinicians to define the field

• Why agency in your business is the gateway to real cultural impact

• How booking your first Life First Fee client fundamentally changes how clients experience you

This episode isn't about marketing tactics.
It's about agency.

If therapists are not in the rooms where decisions are being made, we will be replaced, undercut, and erased.
And the way back starts in your private practice.

If you're ready to stop hiding, stop circling scarcity, and finally be in the room where it happens, email Tiffany at tiffany@leaninmakebank.com with the word "Room."

Because your clients are not just paying for therapy.
They're paying to experience agency—and it starts with you embodying it first.

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

In this episode, Tiffany sits down with Sarayu Meraki, a Wisconsin-based therapist who joined LIMB Academy at a powerful crossroads: turning 40, questioning everything she'd been told about success, and finally asking herself what kind of life she actually wanted.

For years, Sarayu did what so many therapists do — she worked hard, followed the rules, kept her head down, and waited for things to feel "worth it." Instead, she found herself exhausted, disconnected, and quietly wondering if this was really all there was.

This conversation is about identity, grief, reinvention, and what happens when you stop living by other people's timelines and start choosing yourself.

• What turning 40 revealed about the life she'd been unconsciously settling for

• How growing up without financial modeling shaped her relationship with money and safety

• Why she realized she was building a practice that looked good on paper — but didn't feel good in her body

• The moment she stopped outsourcing her decisions and claimed her Life First Fee

• How redefining success changed the way she shows up as a therapist, partner, and human

• What it means to let go of hustle and step into intentional, values-led earning

• Why choosing herself didn't make her less caring — it made her more alive

• LIMB Academy

• Fun With Fees Calculator

• Sarayu`s email

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

This is the episode Tiffany herself calls one of the most important she's ever recorded.

It is short.
It is piercing.
And for the therapist who is ready — even slightly — this episode will change your entire paradigm.

Most therapists live in a constant loop of:
"I can't afford it."
"Who would ever pay me that?"
"That's impossible for someone like me."

But Tiffany shows you the real problem:
You're asking the wrong questions.
And your questions determine your results.

This episode teaches you the single most important shift you must make to stop thinking like a scared consumer and start thinking like a Life First entrepreneur.

In this episode, Tiffany reveals:

• Why the question "Who would ever pay me that?" keeps you stuck — and how one tiny shift unlocks possibility;

• How setting an "impossible goal" forces your brain into clarity and problem-solving;

• Why you don't know what questions to ask (and how to start asking the right ones today);

• The difference between "I can't afford it" and "How could I afford it?" — and why that shift alone can double your income;

• How to use audacious goals to uncover blind spots, expand capacity, and activate strategic thinking;

• Why being in a community with live feedback collapses timelines and accelerates breakthroughs.
  
  

This is the episode that snaps you out of helplessness and straight into agency, strategy, and possibility.
If you let it land, your life and business won't be the same.

If you're ready for a paradigm shift, email Tiffany at tiffany@leaninmakebank.com with the subject line: "Paradigm Shift."
She'll help you take the first step into your new reality.

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

In this episode, Tiffany sits down with the incomparable Allison Puryear, founder of Abundance Practice Building and one of the original voices in the therapist–business space. Allison has been helping therapists build sustainable, ethical, full private practices for over a decade — long before Instagram therapists, "passive income," or big therapy tech took over the landscape.

Allison and Tiffany pull back the curtain on what's actually happening in the industry right now. If you've been wondering:

"Why is filling my practice harder than it used to be?"
"Why am I doing everything 'right' but suddenly not getting clients?"
"Is something wrong with ME?"

…this conversation is your antidote.

This episode is part industry truth-telling, part strategy session, and part intimate behind-the-scenes between two long-time colleagues who've seen the full arc of private practice — pre-pandemic, boom times, and now.

• The actual timeline of how private practice has changed from 2014 → 2025 (and why it feels harder now)

• Why the pandemic created a false "new normal" for filling practices

• The impact of Big Therapy Tech (VC-backed platforms) on referrals — and why therapists can't out-market them online

• The real reason therapists feel more discouraged and hopeless today

• How to market effectively in 2025 — even with tech giants owning the SEO game

• The truth about group practice and online courses — and why most therapists skip the step that would make them the most money with the least chaos

• Why self-trust, consistency, and community matter more now than ever

• LIMB Academy

• Fun With Fees Calculator

• Abundance Practica Instagram

• Abundance Practice Website

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

Every therapist wants to know:
"Okay, but how long will it actually take for me to get to a Life First Fee?"

You want to know how long until you can stop drowning in insurance, stop resenting your caseload, stop working like hell for bread-crumb money…
and finally have a practice where you work your ideal number of weekly clients — while earning the income you actually need to live.

And Tiffany's answer is the one therapists don't want to hear — but need to:
There is no timeline. And also… the timeline doesn't matter.

In this episode, Tiffany dismantles the fantasy that someone else can predict your speed. She walks you through why some therapists hit their Life First Fee in 30 days, while others take 4 months, 9 months, or 4 years — and why every version is worth it.

She also uses a powerful cave metaphor to illustrate exactly why the journey is different for every therapist — and why what happens inside the cave is actually what transforms you.

In this episode, Tiffany reveals:

• Why the question "How long will it take?" is rooted in scarcity, fear, and disbelief;
  
  

• What hundreds of LIM data points show about how long it takes to book a Life First Fee client;
  
  

• Why therapists like Sarah doubled their revenue and bought a house in four months — and why that's not the point;
  
  

• How your "lion," your "tin foil," and your "pitfall" shape your exact timeline;
  
  

• Why the journey itself is what creates the confidence, self-trust, and skill set you use for the rest of your career;
  
  

• Why 2 years of transformation is a blink compared to spending 20 more years undercharging and burning out.
  
  

This episode will snap you out of your timeline obsession and into the truth: the work is worth it, no matter how long it takes.

If you're ready to walk into the cave — even if you're scared — email Tiffany at tiffany@leaninmakebank.com with the word "Cave."
She'll take the first step with 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

In this episode, Tiffany talks with Sara Rader, LPCC, a maternal mental health and trauma specialist who transformed her practice — and her entire life — in just four months inside LIMB Academy.

Sara didn't hustle.
She didn't add more clients.
She didn't work more hours.

Instead, she got brutally honest about her money stories, her faith conditioning, her sliding scale patterns, and the quiet anxiety that had been running her practice behind the scenes.

The result?

She nearly doubled her private practice income while seeing the same number of clients — AND bought her family's first home.

This episode is packed with grounded wisdom, spiritual depth, and a level of honesty most therapists never say out loud… but every therapist needs to hear.

• Why she always felt anxious about money despite "looking successful" on paper

• How she realized her entire practice was a sliding scale — even though she thought she had a "full fee"

• The moment she decided to stop spiritualizing self-sacrifice and start honoring her worth

• What it was like raising her fee with all her existing clients

• The faith-based fears she had to confront about being seen as greedy or judged by her community

• How charging $200/session changed her parenting, her presence, and her clinical work

• Why her nervous system finally calmed once she committed to her life-first fee

• And how she hit a massive financial milestone without burnout, panic, or hustle
  
  

• LIMB Academy

• Fun With Fees Calculator 

• Sara`s Website
  
  

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

If your marketing stopped working…
If your phone stopped ringing…
If you're on insurance panels and still can't fill your practice…

You are not imagining it.
And you are not doing anything wrong.

The ground has shifted under our industry — and almost no one is telling therapists the truth about what's actually happening.

In this episode, Tiffany names the uncomfortable reality: what worked in 2019–2022 will not save your practice in 2026. And if you keep playing by the old rules, you are actively positioning yourself to be replaced by big tech and AI.

This is not fear-mongering.
This is a wake-up call.

In this episode, Tiffany breaks down:

• Why SEO, Psychology Today, and "just niche down" stopped working — and why that's not your fault
  
  

• How the pandemic cracked the industry wide open and invited big tech to scale therapy at your expense
  
  

• Why undercharging and insurance dependency are not just personal problems — they are industry-level threats
  
  

• How therapists unknowingly trained tech companies to replace them by agreeing to speed, volume, and one-size-fits-all care
  
  

• Why worksheet therapy and checkbox models are the exact conditions AI needs to take over
  
  

• What AI cannot replace — and what you must do to protect your authority, your income, and your impact
  
  

• Why charging your Life First Fee is no longer optional if you want therapy to survive as a profession
  
  

This episode is not about panic.
It's about choice.

As we move into 2026, therapists will go one of two ways:

• Invisible, interchangeable, and replaced
  
  

• Or visible, authoritative, and shaping the future of mental health
  
  

There is no middle ground anymore.

If you are ready to step into authority, protect the future of therapy, and get paid for the impact you make, email Tiffany at tiffany@leaninmakebank.com with the subject line "I'm Ready."

Because AI can't replace real therapy.
But it will replace therapists who refuse to value themselves.

And 2026 belongs to the ones who step the fuck up.

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

When Emma Summer realized the system was never going to reward her for overgiving, she stopped waiting for permission and built a premium-fee, cash-pay practice on her own terms.

Emma shares what it took to confront the fears around leaving agency work, raise her fees, and redefine what "helping people" actually means.

In this episode, Emma shares:

• How she went from burnout to balance by charging her true worth
  
  

• The moment she decided she was done trading exhaustion for empathy
  
  

• The myths she had to release about accessibility and guilt
  
  

• The impact of premium fees on her quality of care and quality of life
  
  

• What happens when you stop waiting for the system's approval and choose yourself
  
  

Resources mentioned:

• LIMB Academy
  
  

• Fun With Fees Calculator
  
  

• Emma`s Instagram

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

You've seen the posts.
Therapists charging $300, $350, $400 per session—booked out, spacious schedules, fully off insurance—and you're wondering:

"What the hell are they doing that I'm not?"

It feels like there's a secret marketing cabal that no one told you about—some hidden door that only the elite therapists get to walk through.

In this episode, Tiffany is pulling back the curtain. She exposes the myth of the "black box" and shows you exactly why your marketing feels like a mystery—and how to finally access the system that keeps other therapists winning.

In this episode, you'll hear:

• Why you're not locked out of success—you're just missing a few key resources;
  
  

• The five resources every therapist must leverage to attract premium-fee, cash-pay clients;
  
  

• Why following another cookie-cutter marketing program isn't the answer (and what actually works instead);
  
  

• The emotional and psychological bandwidth problem that silently kills therapist businesses;
  
  

• How to get access to the community, systems, and mentorship that will finally unlock your practice income.
  
  

There's no secret cabal. There's just structure, strategy, and support.
And once you see how it works—you can't unsee it.

Email Tiffany at tiffany@leaninmakebank.com with the subject line: "Action."

She'll walk you through the first steps to finally building your premium-fee, cash-pay practice—with clarity, confidence, and community.

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

In this episode, Tiffany sits down with Amanda Starfield, a Massachusetts-based therapist and former clinical director who walked away from 15 years in agency leadership to build a sustainable, premium-fee private practice.

Amanda gets real about the internal war between wanting to serve others and realizing she couldn't keep doing it from a system built on exploitation. When she left her "secure" job, she didn't take insurance — she set her fee at $200 and later raised it to $320, discovering that charging her worth actually made her a better therapist and mentor.

If you've ever told yourself you "can't" charge more because you care too much, Amanda's story will lovingly destroy that illusion.

In this episode, Amanda shares:

• How she went from running a statewide adolescent program to walking away cold turkey during the pandemic
  
  

• Why she refused to take insurance and how that decision saved her clinical integrity
  
  

• What it really looks like to hold social justice and sustainability together
  
  

• How raising her fees to $320 per session deepened her clinical work
  
  

• Why connection, community, and liberation—not burnout—are her new metrics for success
  
  

Resources mentioned:

• LIMB Academy
  
  

• Fun With Fees Calculator
  
  

•  Amanda`s Instagram

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

You've seen the posts. The ads. The "six-figure coach" promises.

And you're thinking:

"Is this legit… or am I about to get scammed?"

You're not alone. Every week, Tiffany talks to therapists who are terrified of wasting money on a business program that doesn't deliver. But here's the truth: you're asking the wrong question.

In this episode, Tiffany flips the script on how to evaluate whether a business program is worth your investment—and she calls out the therapist tendency to hide behind "skepticism" when what's really happening is fear.

If you've ever wondered, "Will this actually work for me?"—this episode will change how you think about investing, success, and what it means to bet on yourself.

In this episode, Tiffany reveals:

• The three green flags that prove a business program is legitimate;
  
  

• Why asking about "success rates" keeps you small (and broke);
  
  

• The mindset shift that separates thriving entrepreneurs from overworked therapists;
  
  

• How to vet a program like a CEO instead of a scared consumer;
  
  

• Why averages don't matter—and how to become one of the extraordinary few who make it.
  
  

This isn't about avoiding risk. It's about learning how to take powerful, informed, self-led risks that lead to real transformation.

If you've been hovering on the edge—too skeptical to leap, too tired to stay stuck—this episode will wake you up.

Email Tiffany at tiffany@leaninmakebank.com with the subject line: "I'm In."

It's time to stop waiting for proof—and start becoming the proof.

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

From seeing 24 clients a week on Medi-Cal to working 12-14 hours at $250 per session — Sara Champie's story is the revolution therapists need to hear.

As a primary breadwinner, Sara used to believe she had to grind herself to dust to prove she cared. But when resentment, exhaustion, and rage began to spill into her marriage and motherhood, she realized: staying small wasn't noble — it was self-betrayal.

Through her LIMB journey, Sara broke free from the "helper martyr" trap, raised her fees, and reclaimed her family's future.

In this episode, Sara shares:

• How she traded burnout for balance and doubled her income
  
  

• The real cost of low fees on her marriage and her children
  
  

• What she discovered about justice and privilege after raising her rates
  
  

• How her somatic, trauma-focused work deepened once she stopped hustling
  
  

• The breakthrough that helped her set a $350 goal and mean it
  
  

Resources mentioned:

• LIMB Academy
  
  

• Fun With Fees Calculator
  
  

• Sara`s Website

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

You say you want to make more money.
You say you want freedom.
You say you want to stop taking insurance and finally charge what you're worth.

But you don't.
You keep yourself broke.

In this raw and deeply honest episode, Tiffany unpacks the truth most therapists never want to face: being broke isn't your problem—it's your solution.

When your bank account is empty, you don't have to take risks. You don't have to be visible. You don't have to disappoint anyone. Staying broke is the subconscious way so many therapists keep themselves safe.

But it's also what's keeping you small, resentful, and exhausted.

In this episode, Tiffany reveals:

• Why staying underpaid feels safer than raising your fee;
  
  

• How being broke protects you from rejection, shame, and exposure;
  
  

• The unconscious patterns that keep you sabotaging your success;
  
  

• What happens when you finally make enough money to meet yourself—and why that's the real work;
  
  

• The first steps to breaking free from the burnout–scarcity loop for good.
  
  

If you've ever said, "I don't care that much about money," this episode will show you what that statement is really costing you.

Email Tiffany at tiffany@leaninmakebank.com with the subject line: "I'm Ready."

It's time to stop using scarcity as safety and start building a business that actually takes care of you.