THe MoneyRx for CRNAs and NPS Podcast

Most nurses retire with a solid balance and a tax problem they never saw coming. This episode lays out the three reasons the default savings path costs high-earning CRNAs and NPs six figures in retirement, and the three moves to fix it before the window closes.

People who build a line-item retirement budget typically estimate what they think they can live on, not what they spend. That gap, 20 to 30% above estimates on average, can be the difference between a plan that holds and one that doesn’t. This post walks through the Subtract-and-Replace Budget: a two-part framework that starts with your paycheck instead of guessing at future expenses, and surfaces the four cost categories that decide whether a retirement plan survives.

Many CRNAs and nurse practitioners retire with more than enough. The problem is they spent three decades learning to save, and nobody ever taught them how to spend. This episode walks through how one couple with $2.5 million was leaving $3,700 a month on the table every single month, and what it quietly cost them in taxes.

Many CRNAs and nurse practitioners have done everything right and still aren’t sure whether they can stop working. These are the four financial markers that show whether you may already be in a position to retire. From portfolio math to tax planning to protecting your spouse, the picture may be clearer than you think.

Freedom, and the 1099 Life
After nearly 30 years in healthcare, Dr. Michelle Cuevas, DNP, FNP-C, didn’t do a traditional job switch; she changed the model entirely. Michelle shares the real financial lessons she learned going from a W2 employee to a 1099 entrepreneur, including the mistakes, the breakthroughs, and why she would not trade the complexity for anything.

A CRNA or nurse practitioner can save consistently, build a seven-figure portfolio, and be just a few years from the finish line and still lose tens of thousands of dollars before retirement begins. This guide walks through the three specific healthcare decisions most APRNs never see coming, and what to do about them before it’s too late.