I spend money on all kinds of things that do far less for me than therapy. And some things cost a lot less than therapy that help me more in different ways. Last year I only had insurance for about half the year. I paid out of pocket, both for myself and when my teen wanted to go, because it was a good use of my money. It's an investment in yourself and I think $100 to see if this might work for you is money well spent. I think attaching value to your well-being and spending your money on things that support that is a good thing. Doesn't mean it has to be therapy, but if therapy improves your well being then I would go for it.