02/11/2026
Year 1 in agency, dreaming of your own practice? Hereâs what I wish I knew before fantasizing about it.
Your brain makes private practice sound like freedom.
Set your own hours. Choose your clients. No toxic supervisor breathing down your neck.
But hereâs the pattern I see: New therapists dream about private practice to escape agency stress.
Not because theyâre ready for it.
Private practice isnât just seeing clients in a nicer office. Itâs running a business.
Hereâs what that actually means:
Youâll spend 10-15 hours per week on admin. Billing. Marketing. Scheduling. Credentialing that takes 4-6 months and makes agency paperwork look like kindergarten.
Youâll pay $800-1200 monthly overhead before you see a single client. Office rent. Liability insurance. EHR subscriptions. Credentialing fees.
Youâll need 6 monthsâ worth of expenses saved to cover the ramp-up period. Many therapists donât fill their caseload for 6-12 months.
And hereâs the part that really gets you: That âCan we reschedule?â text at 9 am used to just be annoying. Now itâs $150 you needed for rent. You react a little differently when cancellations mean lost income.
Youâll miss having colleagues down the hall. No one to bounce ideas with hits harder than you think.
No doubt, Private practice can be amazing. But it works best when youâre moving toward something.
Not running away from something.
Download the free readiness assessment in bio. Itâll tell you if youâre ready to plan or if you need more time in agency-building skills.
What surprised you most about agency work in year 1?