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Running a practice is a second job nobody trained you for, and most of it gets picked up in hallway conversations and group chats. One email a month: what is new here, and what changed in the numbers — free tools and apps worth having, better ways to run the admin side of the job, and what colleagues are actually doing. No course at the end of it.

Figures checked, narrative not re-read

The numbers are current. The argument around them has not been reviewed since it was written.

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One email a month when a fee, rate or limit on the site moves

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  • Free tools you can use that day — a calculator, a widget, a worksheet or a template. Built here or found elsewhere, always free and always tried first.
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Short, specific, and useful on a Tuesday. If an issue has nothing concrete in it, it does not go out.

Issue 4 · The account most therapists never hear aboutAug 2026

Working for yourself means you get to contribute twice

Almost everyone knows the IRA, and almost everyone assumes that is the ceiling. It is not, once you are the business. In your own practice you are the employee and the employer, so a Solo 401(k) lets you contribute in both roles — your own deferral, plus a share of profit on top. That is why the limit is an order of magnitude above an IRA, and why most therapists never look: they have only ever been told the small number.

$72,000the Solo 401(k) ceiling at real practice profit, against $7,500 in an IRA alone — the difference is the employer half, which only exists because you own the business
$27,400of that is tax you would have paid anyway, on $253,500 of profit. Roughly a third of the contribution costs you nothing; it is money that was leaving either way, landing in an account with your name on it instead
And the catchIt is deferred, not forgiven — you pay income tax on the way out. It is locked until 59½. And it does not touch self-employment tax. Anyone selling it as free money is selling something
Also in this issueA free intake-and-consent template worth stealing · what five Bay Area practices are charging · a correction to last month’s CalVCB figure · the booking widget is close

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You should not have to work this part out on your own.

Once a month: free tools and apps worth having, better ways to run the admin side of a practice, what other California therapists are actually doing, and anything new here that might save you an afternoon.

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More on this

Practice

Filling the week, and running the admin behind it.

Should I hire an associate?The loaded cost, the break-even caseload, and the classification ruleCan I see California clients from abroad?The Board's own answer, then the same practice priced in eight placesHow do I fill my caseload?Client lifetime value, the leakiest channel, and a monthly enquiry target
All 12 pages on practice →