I picked this one up out of a book, I don’t suppose I’ve heard it before, but you guys probably have:

An old man went to a psychiatrist one day and said to him “I think I need some help, every time I crawl into my bed, I have the worst fear of monsters living beneath it, so much so I can’t get to sleep!”

The doctor rubbed his chin and nodded “Ok, come back here twice a week for therapy, it will cost you $400, but your fear will go away.”

So the next week the patient came and shook his head, “I don’t need your help anymore, a bartender helped me fix my fear for free!”

The doctor looked at him puzzled “How?”

The client replied “He told me to cut the legs off my bed.”