Wealthy Nurse Podcast: Money, FI, Investing for Nurses

#72: How I Built a Six-Figure Side Hustle as a Full-Time Nurse Practitioner (Without Quitting Nursing)

20 min · 20. apr. 2026
episode #72: How I Built a Six-Figure Side Hustle as a Full-Time Nurse Practitioner (Without Quitting Nursing) cover

Description

A full-time nurse practitioner shares the real, non-glamorous story of building Nursing Flowsheet, an educational platform helping nurses build wealth, while working 4–5 days a week and raising a family. She explains how feeling capped by trading time for money led her to start creating finance content in 2020 and later launch paid digital products, including her signature program “ Employ your Money,” which she presold to 18 people at over $700 each. Her biggest early mistake was trying to do everything at once with no systems, leading to burnout; the turning point was focusing on one priority in 90-day periods, resulting in a six-figure year in 2023. Key lessons include leveraging existing expertise, building an audience before an offer, keeping clinical income for stability, starting before it’s perfect, and treating time off as a protected business asset. 00:00 Nurse to Builde r 00:57 Hitting the Income Ceiling 02:07 Why Nursing Flow Sheet 0 3:16 Early Content Journey 04:02 Burnout From Doing All 06:00 The 90 Day Focus 08:07 Five Moves That Worked 09:42 Build Audience First 11:52 Keep the Day Job 13:18 Imperfect Action Wins 14:24 Protect Your Off Time 16:23 Final Takeaways 18:59 Call to Action and Wrap   Connect with me: Instagram: http://www.instagram.com/nursewhoinvests [http://www.instagram.com/nursewhoinvests] Website: https://nursingflowsheet.com/ [https://nursingflowsheet.com/] Download MONARCH MONEY: https://monarchmoney.sjv.io/VxYNjk [https://monarchmoney.sjv.io/VxYNjk] (affiliate link) Budgeting for Beginners: https://nursingflowsheet.com/budgeting-for-beginners/ [https://nursingflowsheet.com/budgeting-for-beginners/] ➤ Nurse Money Starter Kit:  https://www.nursewhoinvests.com/offers/ty7TNPpx/checkout?coupon_code=IG40 [https://www.nursewhoinvests.com/offers/ty7TNPpx/checkout?coupon_code=IG40]  ➤ FREE INVESTING CLASS FOR NURSES https://www.nursewhoinvests.com/class [https://www.nursewhoinvests.com/class] ➤ Subscribe for more videos about nursing, career growth, and financial freedom!

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80 episodes

episode #79: Types of FI (Financial Independence) and How you can pick yours artwork

#79: Types of FI (Financial Independence) and How you can pick yours

5 Types of Financial Independence Nurses Should Know (Find Your Real FI Number)   Ellaine, a nurse with over 15 years of experience behind Nurse Invests, explains that many nurses chase the wrong retirement number because they don’t realize there are five different versions of financial independence, each with different timelines and targets. She defines FI as having investment income cover living expenses and introduces the 25x rule, then breaks down 5 types of FI. She encourages viewers to pick the FI type that matches their ideal life, calculate their numbers, and share their goal, and invites nurses to a free upcoming workshop.   00:00 Stop Chasing Wrong Number 01:39 What Financial Independence Means 03:16 FI #1 Explained 05:09 FI #2 For Nurses 07:39 FI #3 Part Time 10:46 FI #4 and Tradeoffs 13:31 FI #5  Halfway Hack 15:44 Choose Your FI Type 18:57 Action Steps And Workshop 20:38 Final Encouragement

28. juni 202620 min
episode #78: What does RETIREMENT really mean? (Why you should not think of it as an age) artwork

#78: What does RETIREMENT really mean? (Why you should not think of it as an age)

What Retirement Really Means for Nurses (Retire Early Without Quitting Nursing)   Elaine, a nurse of 15+ years behind Nurse Who Invests and Nursing Flowsheet, films from a Baltimore hotel during a conference to redefine what “retirement” means for nurses pursuing financial independence.      00:00 The Big Retirement Question 01:15 Intro 03:01 Why Traditional Retirement Fails Nurses 06:07 Retirement Is Choice 08:49 Mini Retirements And Staged Freedom 09:22 Design Your Own Nursing Life 11:31 Coast FI And Five FI Types 12:47 Free Workshop And Final Reflection     Coast FI Calculator: https://nursingflowsheet.com/coast-fi-calculator-financial-freedom-for-nurses/ [https://nursingflowsheet.com/coast-fi-calculator-financial-freedom-for-nurses/] TRY MONARCH MONEY use codeMONARCHVIP to get 50% off: https://monarchmoney.sjv.io/VxYNjk [https://monarchmoney.sjv.io/VxYNjk] ➤ Free Investment CHEAT SHEET: https://www.nursewhoinvests.com/starter [https://www.nursewhoinvests.com/starter] ➤ Free Investing Class: https://www.nursewhoinvests.com/class [https://www.nursewhoinvests.com/class] Connect with me: Instagram: http://www.instagram.com/nursewhoinvests [http://www.instagram.com/nursewhoinvests] Website: https://nursingflowsheet.com/ [https://nursingflowsheet.com/] ➤ Subscribe for more videos on nursing, career growth, and financial freedom!

14. juni 202614 min
episode #77: How much you should be investing as a nurse (BY AGE) + Mega BackDoor Roth IRA artwork

#77: How much you should be investing as a nurse (BY AGE) + Mega BackDoor Roth IRA

How Much Should Nurses Invest for Retirement? (By Age)   I talked about how much your should be investing at every age. 00:00 [https://www.youtube.com/watch?v=KjqsUc6-RpE] Nurse Investing Wakeup 01:18 [https://www.youtube.com/watch?v=KjqsUc6-RpE&t=78s] Why Nurses Need More 03:15 [https://www.youtube.com/watch?v=KjqsUc6-RpE&t=195s] Four Numbers Framework  05:33 [https://www.youtube.com/watch?v=KjqsUc6-RpE&t=333s] Foundation Years 25-30 07:55 [https://www.youtube.com/watch?v=KjqsUc6-RpE&t=475s] Acceleration Years 30-35  09:08 [https://www.youtube.com/watch?v=KjqsUc6-RpE&t=548s] Double Plans 403b 457 10:10 [https://www.youtube.com/watch?v=KjqsUc6-RpE&t=610s] Peak Earnings 35-40 11:39 [https://www.youtube.com/watch?v=KjqsUc6-RpE&t=699s] Mega Backdoor Roth 15:27 [https://www.youtube.com/watch?v=KjqsUc6-RpE&t=927s] Catch Up Years 40-45 16:51 [https://www.youtube.com/watch?v=KjqsUc6-RpE&t=1011s] Benchmarks Are Guides 17:53 [https://www.youtube.com/watch?v=KjqsUc6-RpE&t=1073s] Three Actions This Week 19:40 [https://www.youtube.com/watch?v=KjqsUc6-RpE&t=1180s] Free Class And Wrap Up Coast FI Calculator: https://nursingflowsheet.com/coast-fi... [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbXJJTC1abGd5dmYtc1NQVHNEZVlNY2F2WHdfd3xBQ3Jtc0trcC1OOEphN2dzdXdyZnlCTDFkTVJOdnZWLXI2bzZ5X09SVl9TU3hIY0tQTnlQSVppR2Y0Z2NBYUNEbGV0LVktSHFQVWlmMWRDU2hlUlM4cks2UVUtNjRZTVF6bkJCUEw0QjJuN0I4SmlBYlcxOGdvTQ&q=https%3A%2F%2Fnursingflowsheet.com%2Fcoast-fi-calculator-financial-freedom-for-nurses%2F&v=KjqsUc6-RpE]  TRY MONARCH MONEY use codeMONARCHVIP to get 50% off: https://monarchmoney.sjv.io/VxYNjk [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqa0h0emZ0QmUxZ2J6YkViSFk1N2ROZHVzcXRid3xBQ3Jtc0trODFyOE9JTzBLaEpzVnJCZ3VzYy1uV01KTnNDUUM5RFZfbGxTZk9IbHJDalU3OElCMnBMWVVWVzhuRVpFb2poMkZ1YjM2d0JEVjBIWkN0ODZkLUoybEIwSk5KRjMyc2MxMWdsTjY5b0Y1dEZWaHc4NA&q=https%3A%2F%2Fmonarchmoney.sjv.io%2FVxYNjk&v=KjqsUc6-RpE]  ➤ Free Investment CHEAT SHEET: https://www.nursewhoinvests.com/starter [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbTUzdWtUNmRCVDhUaUFHOUhLUjFFQ2U4elNoUXxBQ3Jtc0tuQU50aExGSnNtMWR2YUxNQy1OVDZVU3FhWlhPa0ZFY05INGFzMWNfTHdpTkplVTlDSDdxT0x0R3JVYlJWUkZ5R0NGcWpUdFJEcUUydDJBb091dW44cS1wbC13eUk5TzVVclFiVlNuMFU0cEhkekNKSQ&q=https%3A%2F%2Fwww.nursewhoinvests.com%2Fstarter&v=KjqsUc6-RpE] ➤ Free Investing Class: https://www.nursewhoinvests.com/class [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqazNhRmNmMjdtanNQM0FZd2FfeE9zTl81YWpGZ3xBQ3Jtc0ttTjNMbng0ano5OTFYcUhQQWlURVIyQnUtamtHaEdoSEtZb1BacXpFOVlZekFBanp2VlJyeXI0dDZoZEFxd3Z4bmYtcnN2QTFER0tiRWNrdGtlR2hndVp4cDJ3NlRKSzBpdzRVbEROSXY1VGVMUUtjSQ&q=https%3A%2F%2Fwww.nursewhoinvests.com%2Fclass&v=KjqsUc6-RpE]  Connect with me: Instagram:    / nursewhoinvests   [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbGJhN09OTmpnbFhSWEpfalM1ZF9XVWRQQ09QZ3xBQ3Jtc0tsT2FINVFpQ1NqbnhPaVBibTZweC1SaW85RXcxLTdNLXZjVXFKQU5aV3hkTEE0ZnFTOEZMakk1WGFEQ2VLdzhtakVJZGI2VWd3QWNSSG5lamtOTHc2anNoSU1pV0p6Qy1rMDRsSjJNTV9abDA4Q0xPUQ&q=http%3A%2F%2Fwww.instagram.com%2Fnursewhoinvests&v=KjqsUc6-RpE]  Website: https://nursingflowsheet.com/ [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbngzamxuSHVtdVdLVGFMbWpMWmloa1ZIcFNXZ3xBQ3Jtc0tsUG4xNzN5NDJRMjM4alRfSFlKQ2pOa1RhTUVrUktaTE04UE91MUpodHJHb3BvejFtcjU4enpKV3lvVlFudkc1VFc4dE9uRFBFdVY3MFZOZzNVR19qbFBrd01RaFFNVXVybDdCSTM5U1NkYmxVU0Z6aw&q=https%3A%2F%2Fnursingflowsheet.com%2F&v=KjqsUc6-RpE]    ➤ Subscribe for more videos on nursing, career growth, and financial freedom!

8. juni 202620 min
episode #76: Why investing "late" in your 30s or 40s is the PERFECT time to invest as a nurse artwork

#76: Why investing "late" in your 30s or 40s is the PERFECT time to invest as a nurse

Too Late to Start Investing as a Nurse? Why Your 30s & 40s Are the BEST Time I’m Ellaine, a nurse practitioner and financial educator behind Nurse Who Invests, and I’m sharing why starting to invest in your 30s or 40s isn’t a financial disaster. I explain how I didn’t invest until I was almost 30, after spending my 20s traveling, leasing an expensive car, and accumulating about $10,000 in debt, and how online “start at 22” investing charts left me feeling guilty. 00:00 Too Late To Invest  00:44 Intro  01:44 My 20s Money Story 04:33 Guilt And The Plot Twist 05:42 The Lie About Wealth 07:10 Reason One 08:55 Reason Two 09:47 Reason Three  10:35 Late Start Math Proof 12:24 Three Steps This Week 15:16 Start Now Not Perfect 16:55 Wrap Up And Resources Connect with me: Instagram: http://www.instagram.com/nursewhoinvests [http://www.instagram.com/nursewhoinvests] Website: https://nursingflowsheet.com/ [https://nursingflowsheet.com/] ➤ Subscribe for more videos on nursing, career growth, and financial freedom!   Coast FI Calculator: https://nursingflowsheet.com/coast-fi-calculator-financial-freedom-for-nurses/ [https://nursingflowsheet.com/coast-fi-calculator-financial-freedom-for-nurses/] TRY MONARCH MONEY use codeMONARCHVIP to get 50% off: https://monarchmoney.sjv.io/VxYNjk [https://monarchmoney.sjv.io/VxYNjk] ➤ Free Investment CHEAT SHEET: https://www.nursewhoinvests.com/starter [https://www.nursewhoinvests.com/starter] ➤ Free Investing Class: https://www.nursewhoinvests.com/class [https://www.nursewhoinvests.com/class]

25. maj 202617 min
episode #75: Why some nurses still feel broke even if they make "good" money + HOW TO BE RICH artwork

#75: Why some nurses still feel broke even if they make "good" money + HOW TO BE RICH

I talk about why many nurses can earn $80k–six figures and still feel stuck living paycheck to paycheck, and I explain that it’s not a personal failure but a system and strategy problem. I share my experience as a nurse of 15+ years and break down three main issues:    explain how learning my Coast FI number changed my relationship with overtime and risk-taking, and I emphasize that identity—deciding “I am a nurse who invests”—is what makes tactics stick. I encourage starting by calculating your Coast FI number and building a system around it. 00:00 Nurses Who Feel Broke  00:33 Why Paychecks Vanish 01:42 Reason #1  03:08 What you can do 04:20 Reason #2 06:32 What you can do 07:52 Reason #3 10:47 the ritual that got me to six figures 12:41 Your Identity Drives Money  13:30 Your Next Steps 14:24 Free Calculator And Wrap      Connect with me:  Instagram: http://www.instagram.com/nursewhoinvests [http://www.instagram.com/nursewhoinvests]    Website: https://nursingflowsheet.com/ [https://nursingflowsheet.com/]    ➤ Subscribe for more videos on nursing, career growth, and financial freedom!   Coast FI Calculator: https://nursingflowsheet.com/coast-fi-calculator-financial-freedom-for-nurses/  ➤ Free Investment CHEAT SHEET: https://www.nursewhoinvests.com/starter [https://www.nursewhoinvests.com/starter]  ➤ Nurse Money Starter Kit with 40% off for youtube + podcast listeners: https://www.nursewhoinvests.com/offers/ty7TNPpx?coupon_code=IG40 [https://www.nursewhoinvests.com/offers/ty7TNPpx?coupon_code=IG40]  ➤ Free Investing Class: https://www.nursewhoinvests.com/class [https://www.nursewhoinvests.com/class]

17. maj 202615 min