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The Money Sessions: Daily Summaries Delivered
by Tiffany McLain
Deep, thoughtful, raw conversations with real therapists who are in the midst of leaning into raising fees and making bank – all while working with the clients they are passionate about serving.
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- 5 days ago14 min
The Myth of the Insurance Boogeyman
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 <a
- 1 weeks ago56 min
Danielle's Journey to $255 & Full: A Journey through the VERY Messy Middle
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. In this episode we cover: 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." Resources mentioned: LIMB Academy Fun With Fees Calculator Danielle's website: Connect with Danielle: danielle@soulfulharmonycounseling.com
- 2 weeks ago25 min
Come to the Hamptons With Me
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.
- 3 weeks ago43 min
From $6K Months to $10K+ Months… and Having WAY Fewer Sessions with Hillary Pilotto
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. In this episode we cover: 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. Resources mentioned: LIMB Academy Fun With Fees Calculator Hillary´s Website <a href= "https://www.instagram.com/therapywithhil
- Jun 29, 202617 min
The Travesty of the Cupcake Shop
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.
- Jun 22, 202644 min
From $5K months to $17K months with 15 sessions: Canadian-based therapist Amelia Sloan leans all the way in
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. In this episode, we cover: 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 Resources Mentioned LIMB Academy FWF Calculator Amelia`s Website ameliasloantherapy@gmail.com
- Jun 15, 202626 min
Modalities That Offer Rapid Results
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 the link in the show notes. 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.
- Jun 8, 202651 min
Half the Income & Happier Than Ever with Krissy Johnson, LMFT
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. In this episode, we cover: 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. Resources Mentioned LIMB Academy FWF Calculator Krissy Johnson`s Website Krissy Johnson`Instagram
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