Example milestone plan
An example plan for a therapy dream with a goal of $4,000. Backers fund the whole goal, but each milestone's money stays held until you post the proof and Backers release it.
Milestone 1
$600 · 15%
Arrange the opening sessions
Post a redacted fee schedule and receipts for the opening appointments, hiding names, contact details and session content.
Milestone 2
$1,200 · 30%
Fund the first session block
Share redacted payment receipts and a simple count of attended sessions for the first full block of funded appointments.
Milestone 3
$1,200 · 30%
Continue the support block
Upload receipts for the next session block and related access costs, with all personal and therapeutic details removed.
Milestone 4
$1,000 · 25%
Account for final sessions
Post payment records for the remaining funded appointments and a redacted summary comparing session costs with the budget.
- 01
Build your dream
Write your story, add photos and set milestones as a private draft. When you are ready, publish with a monthly membership; every dream is reviewed before it goes live.
- 02
Reach Backers who want to help
Published dreams appear in the swipe feed, where Backers browse by category, save the ones they like and chat with you before they give.
- 03
Get paid as you deliver
Each backing is split across your milestones. Post proof when a step is done; Backers release their share and you receive it after the platform fee.
Budget example
A typical cost split for a therapy dream in New York, shown in USD. Backers are charged the equivalent in US dollars.
Example goal
$4,000
- Therapy session fees$3,200 · 80%
- Private access essentials$200 · 5%
- Travel and connection costs$400 · 10%
- Initial consultation costs$200 · 5%
What you receive
- Backers give
- $4,000
- Platform fee (15%)
- −$600
- You receive
- $3,400
How Backers are protected
14-day review per milestone
When proof is posted, each Backer has 14 days to release their share or ask for more. Money not released in time goes back to the Backer.
15% fee, deducted — never added
Backers pay exactly what they choose. The 15% fee comes out of each backing: $100 gives the Dreamer $85. The fee is kept if money is returned.
Gifts, not shares
Backings are gifts. No shares, equity, interest or repayment, and Dreamers keep full ownership. Nothing on cohero is an investment or a loan.
Risks to plan for
- R1
Provider fit may change
You may need to change provider after initial appointments. Keep the opening stage small and explain how different session fees would alter the number of appointments funded later.
- R2
Missed sessions affect spending
Cancelled or missed appointments may still create costs under a provider’s terms. Check those terms before budgeting and explain how any charged cancellation would appear in the expense proof.
- R3
Privacy can feel pressured
Public funding can create pressure to share personal experiences. Set proof boundaries before publishing and use redacted receipts instead of session notes or descriptions of therapeutic progress.
Questions and answers
Can I change therapists during the funded period?
If you change providers, update the remaining session budget and explain any fee or scheduling differences. Keep clinical reasons private and provide redacted receipts so Backers can understand how the revised block uses the funding.
Who can fund a therapy dream in New York?
Anyone with a clear goal, honest milestones and the proof to show for them. Every dream is reviewed before it goes live to keep the feed safe for Backers.
Do Backers need to know what I discuss in therapy?
Explain the session count, fee basis and funding period rather than the content of your appointments. Redacted receipts can show the funded service without exposing session notes, personal history or your reasons for seeking support.
Ready when you are
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