Hey everyone thank you for your replies...
can you become a school counselor or teacher (teaching psychotherapy, not sure what to call it) there? I mean I could see other possibilities with your degree/skills outside of the clinical setting, just not sure how it translate in terms of French regulations
Or could you grow the practice, take in some partners to do the actual practicing and just do the paperwork/managing. Not sure if this is enough to take you out of the "provider" role for the tax laws
Thanks for this suggestion - the answer is "no", the system is really very, very different here. I am not allowed, with my American degrees, to work in any institutions in France. That being said, I
do teach at the nursing school, though I'm not "supposed" to officially. There is no reimbursement health-insurance-wise for psychotherapy.
You've talked about the finances of the dilemma in terms of external validation: the state doesn't care; other people get more money than you.
To comment, we need to know whether you care about what you do, whether you're getting enough money from it.
Honestly, it sounds like you have a tough job. And if you need that extra 20% to make it worthwhile, that's fine. On the other hand, if you're fulfilled by your job and the pay is enough, then the external validation issues are something you can work through.
Yes, this is really true - I am actually going through this right now - working on no longer needing the *external* validation - and trying to know if - (exactly) - *I* feel like I'm getting enough money for it. And the answer..."meh" as the word is these days.
Considering the amount of time one needs to put into constant reading, supervision and the like - even though I love the intellectual challenge - this is not satisfying ENOUGH today to take a 20% across the board cut (for the rest of my working life).
But - as you say, I am working through it too - because on the other hand there's a demand for what I do, and the work is SO much better than being an English foreign language teacher (for me - have done that too). So no , the pay isn't enough, yet the job *is* fulfilling. And yes, I'm thinking this through (a lot...)
Hike your rates 24%, thus having the same money as now for an hour.
Some patients will leave, some will stay, and then build up the practice to get more people in, if possible.
Side bonus: work less hours, at least at the beginning.
Good luck.
Cool idea, and have had some people make this suggestion. I have already hiked my rates some since I got this news, and maybe, as time goes on, I will push up even higher. Right now, I am feeling a bit stuck b/c I'm still paying for my training programs - and need to have a good cushion to finish up. But true enough, when these are finished in hopefully two to three years, I can work less - and make the SAME AMOUNT because of the way the law is set up. If I make anywhere over 33K euros a year, I am taxed on the 20%. So I just have to stay under income ceiling.
I am finding Mustachian-ism, and all the creativity required to grow a good mustache - pretty damn challenging and stimulating too - so I would like to work less and groom my facial hair ; )
What if you did work with American clients over Skype? Would you be able to sidestep French taxes then?
Interesting idea - I have (duh) let my American licensure go...but I can look into this.
Pourquoi pas...The thing that is funny/sad that everyone is telling me around here - "try to get paid in CASH". For the past seven years, when I was occasionally paid in cash, I dutifully submitted my enveloppe to the bank like a good girl and declared it. You can denounce me to the authorities if you want, but I am no longer going to declare my cash revenues. The under-the-table economy flourishes here, like it does in Spain, Italy, Greece, etc. As my optimistic best friend said today (and she's American too, lives here too) "they DRIVE us to it - no one can get ahead here!" I told her that thought was very Un-American, and we agreed both that we've been here toooooooo looooong. [sigh]
Merci tout le monde.