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If you're in a solo practice you're responsible for the office rent fees and you bill insurance (unless you only take private clients) You will run into clients and insurance that does not pay you and clients that do not show up. Because of that, you would have to work more than 40 hours a week if you want to make that 35k
Many individuals in private practice also hold other jobs at least PT to make ends meet.
You will charge the insurance company your contracted rate if you take insurance ex 60-$85 h If you bill privately, you'd want to charge the usual rate your peers charge in the area where you practice.
If you work for a group, you can once again do it as a contractor (the group most likely bills for you and pays you 70% of your earning and keeps the rest) In both cases you'd most likely need your own liability insurance b/w $130-160 depending on what coverage you buy.