02/25/2026
This is well written! So many behind the scene expenses for small business owners.
To my self-employed friends — I see you. I am you.
And for those who are not self-employed, this is educational.
When you see a service fee, understand that roughly 30% becomes take-home income.
The other 70% sustains the infrastructure required to operate legally, ethically, and professionally.
* Secure booking systems
* Website hosting
* Licensing and mandatory continuing education
* Liability and commercial insurance
* Facility costs and maintenance
* Vehicle, travel, and farm expenses
* Technology platforms and software
* Sanitation standards
* Payment processing fees on every transaction
In my case, fixed annual overhead exceeds six figures before I pay myself. That does not include corporate and personal tax, CPP (both portions as self-employed), accounting, legal fees, marketing, or equipment replacement.
It also does not include the educational investment behind the work.
To date, that investment is approximately a quarter of a million dollars:
✅ BSc in Kinesiology (UBC)
✅ Human Kinetics diploma (Langara College)
✅ Regulated healthcare license (RMT from WCCMT)
✅ Human Osteopathy diploma in progress (CSO)
✅ Multiple equine certification(s)
**And over 25 years of clinical experience
Maintaining credentials is ongoing.
Initial education is a capital investment.
Continuing education is a recurring operational cost.
And then there is time......
👉 A one-hour human appointment requires nearly another hour behind the scenes for charting, sanitation, billing, and communication.
👉 An equine session includes travel, vehicle costs, assistant support, video review, report writing, and follow-up.
👉 One educational webinar can take 150 hours from research to delivery.
Fees reflect the entire structure — not just hands-on time or one-one time.
Self-employment means carrying the whole system: compliance, risk management, infrastructure, sustainability.
Revenue only exists when work is performed.
Expenses exist regardless.
Pricing is not about what an hour feels worth. It is about sustaining a system built on depth of training, experience, and responsibility.
That is the cost of doing business.