I'm seeing a drop in my part-time psychotherapy private practice as people become more concerned about job stability, and am seeing more folks at a reduced fee and at longer spaced intervals to enable them to continue-for their sake and for my own.   I want to keep the practice open, and can do so as long as I break even, though I can not afford to take any loss at all right now, given the precariousness of my full-time salaried position and my limited nest-egg in the event of a lay-off.