This is a fictionalised story inspired by the numerous patients I see with arguably misaligned priorities in this “cost of living crisis”. I have great sympathy for those who are struggling financially at the moment. I just wish that financial literacy and education, combined with a measure of frugality, were more common in my patient population.
Emma sat across from me, her eyes glassy with unshed tears. Her fingers toyed with the fraying edge of a tissue she clutched tightly. At thirty, she presented as polished and put-together: freshly manicured nails in a soft pink, glossy hair swept into a sleek ponytail, and a neatly pressed beige blazer over dark jeans. We were 18 minutes into a 15 minute appointment. I was trying to wind things up when she said there was “just one more thing”. Her voice cracked as she began to speak.
“It’s just… everything feels impossible right now,” she said, her words tumbling out in a rush. “The cost of living is out of control—rent, food, petrol. I’m trying so hard to stay on top of it all, but I’m constantly anxious. I can’t sleep, I can’t concentrate, and I feel like I’m failing.”
Her chin quivered, and she dabbed at her eyes with the tissue.
“I’m so sorry,” she said, voice wavering. “I know I shouldn’t cry over something everyone is dealing with, but I just… I’m exhausted.”
I nodded empathetically. “It sounds like this anxiety is taking a real toll on you,” I said. “Have you checked out the online resources we discussed last visit? The ThisWayUp anxiety CBT course is free and will help you develop tools to manage these feelings.”
Emma hesitated, her gaze dropping to her lap. “I’ve thought about it,” she admitted, “but I don’t think it’s for me. There is just something impersonal about it. I prefer to talk face-to-face.”
I was tempted to explore this further, perhaps trying to understand the cognitive dissonance between her reluctance to use evidence-based online mental health tools and her self-described love of social media, particularly Instagram.
Instead, I asked “Have you re-considered seeing a psychologist?”
She replied “I can’t afford it right now. Even with Medicare, the gap fee is too much.”
I leaned back slightly. “What kind of support do you have in place at the moment? Anyone you talk to about how you’re feeling?”
She brightened momentarily. “I’ve been having sessions with a life coach. She’s based in California. I found her on TikTok,” she said. “She’s amazing—so supportive and positive. She’s helping me shift my mindset and manifest abundance.”
“I see,” I said carefully. “Is there anything else you’re doing for self-care?”
Emma nodded enthusiastically. “I see my naturopath regularly for my supplements and gut health—she’s been incredible. And my personal trainer is a lifesaver. She keeps me accountable and focused on my goals. Oh, and I make sure to get my nails and hair done every week. It’s non-negotiable—it helps me feel like I’ve got my life together, you know?”
Her expression grew sheepish. “It’s a bit of an expense,” she admitted, “but I think it’s worth it for my mental health.”
I paused for a beat, choosing my words carefully. “Those things can certainly contribute to well-being, but have you considered prioritising seeing a psychologist, even for a few sessions? It might help you address your anxiety in a more sustainable way.”
She bit her lip, her eyes darting away. “I don’t know,” she said softly. “It’s just… it’s so hard to know what’s worth spending money on, isn’t it?”
There was a beat of silence before she added, “Speaking of which… would you mind bulk billing me today? I just can’t afford to pay the gap fee right now.”
I blinked, glancing briefly at her gleaming manicure and designer handbag. As she left, I resisted the urge to add “financial advisor” to her growing list of consultants.


A few days ago, I was lucky enough to sit down, “virtually”, with three passionate and innovative doctors (Ashlea Broomfield, Charlotte Hespe and Rebekah Hoffman) as a guest on their podcast “Just a GP”.
I had a sudden urge to slap a patient yesterday afternoon. I didn’t act on the urge and was in no danger of doing so, but it rattled me all the same. I’ve never before felt like I wanted to hit anyone (with the possible exception of my brother when we were kids, at times of peak annoyance).











