1) If you can’t afford transportation, parking, etc, you can’t afford a night out at a restaurant.
2) If you can’t afford to pay the babysitter, you can’t afford a night out in a restaurant.
3) If you can’t afford to tip the waitstaff, you can’t afford a night out in a restaurant.
Now, substitute the words “night out in a restaurant” with “massage” and “waitstaff” with “therapist.”