THe MoneyRx for CRNAs and NPS Podcast

Most financial plans do a flawless job modeling your investment accounts, but they completely fail to model your calendar. For high-earning CRNAs with intense, physically demanding schedules, this missing layer can keep you locked in the OR years longer than necessary. These are the three phases of retirement: Go-Go, Slow-Go, and No-Go years, and how transitional tools like the “Locum Bridge” and tax conversion windows can reveal that your numbers already work right now.

Can I Afford to Cut Back? The NP Math No One Is Showing You

A new Nurse.org survey shows nurse job satisfaction is falling, and financial necessity is the top reason nurses stay at the bedside. If you’ve been telling yourself you can’t afford to cut back to three or four days a week, there’s a good chance you’re solving the wrong problem. Here’s the framework that changes the math.

Many nurses walk into retirement with a responsible to-do list and no idea that a few items on it can permanently close financial doors. This post walks through the story of Teresa, a CRNA who came to her first planning meeting organized and ready, and was weeks away from locking in three irreversible mistakes in the same week.

The Right Age for a Nurse to Retire Isn’t a Number. It’s Five Windows.
Most nurses approaching retirement are asking the right question the wrong way. The account balance, the 4% rule, the Monte Carlo success score, all of these answer this: Will my money last? But none of them answer the question that can cost you the most. We cover why your retirement date controls five planning windows at once, and what it quietly costs you when those windows close.

Most retirement plans are built for two. When one spouse dies, the survivor inherits a smaller income, narrower tax brackets, a smaller deduction, and in many cases, a Medicare surcharge she never paid before. Financial planner Brett Fellows breaks down how this happens, what it costs, and the window married nurses have to fix it before it’s too late.

Rental real estate builds wealth. But for CRNAs earning $200,000 or more, the math works differently than it does for buyers at lower income levels. Three problems show up consistently for high earners who invest in rental property, and most nurses never know they’re walking into them. Brett Fellows breaks down the real numbers on cash flow, depreciation, and exit costs, and explains a framework called the Capital Priority Ladder for figuring out where your capital should go first.