Wealthy Nurse Podcast: Money, FI, Investing for Nurses

Hosted by Ellaine Maala

Business Investing Entrepreneurship

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Aug 2026

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August 10, 202616 min

#83: being wealthy is not strategy.. it's identity (let me explain)

Wealth Isn’t a Strategy—It’s an Identity (Money Mindset for Nurses) I share a personal lesson that took me years to understand: being wealthy isn’t just about strategies—it’s an identity shift. Even if you know what a Roth IRA is and what to invest in, you can stay stuck if you don’t believe you’re the kind of person who builds wealth. I relate this to my “floater friend” identity and how long-held stories can shape our actions, then connect it to how many nurses are taught to be selfless in ways that can create guilt around money, boundaries, ambition, and rest. I explain that strategy without identity change becomes informed inaction, and I share how repetition and aligned action—like my monthly cinnamon affirmation ritual—helped me and my husband reach over $1M invested by age 38. I close with practical steps: act like the wealthy version of you before you feel ready. 00:00 Wealth Is Identity 01:00 Intro 01:55 Floater Friend Story 04:54 Money Identity Shift 06:35 Nurse Mindset Traps 09:00 Informed Inaction Warning 10:44 Act Wealthy Now 11:26 Cinnamon Ritual Mindset 12:53 How To Shift Identity 14:00 Aligned Action Reps 15:03 Pull Future You Closer 15:51 Final Takeaway ➤ Free Investment CHEAT SHEET: https://www.nursewhoinvests.com/starter ➤ Wealthy Nurse Blueprint LIVE CLASS: https://www.nursewhoinvests.com/class Coast FI Calculator: https://nursingflowsheet.com/coast-fi-calculator-financial-freedom-for-nurses/ TRY MONARCH MONEY use codeMONARCHVIP to get 50% off: https://monarchmoney.sjv.io/VxYNjk Connect with me: Instagram: http://www.instagram.com/nursewhoinvests Website: https://nursingflowsheet.com/ ➤ Subscribe for more videos on nursing, career growth, and financial freedom!

August 3, 202615 min

#82: Money Advices I hear that are BAD for nurses

4 Common Money Tips That Don’t Work for Nurses (and What to Do Instead) I’m Ellaine, a nurse practitioner of 15+ years behind Nurse Who Invests, and I’m breaking down popular money advice that’s well-intentioned—but often bad for nurses because it doesn’t fit our income, schedules, and accounts. I end by encouraging you to question generic advice and learn principles that fit your life, and I share my Wealthy Nurse Blueprint class. 00:00 Bad Money Advice Intro 00:35 Why Nurses Differ 01:31 Bad advice #1 0 5:07 Bad Advice #2 08:06 Bad Advice #3 1 0:26 Bad Advice #4 12:55 Think For Yourself 14:57 Nurse Wealth Blueprint 15:43 Final Wrap Up ➤ Free Investment CHEAT SHEET: https://www.nursewhoinvests.com/starter ➤ Wealthy Nurse Blueprint LIVE CLASS: https://www.nursewhoinvests.com/class

July 27, 202620 min

#81: Where to Invest your Money as a Wealthy Nurse (in order)

In this video, I explain why the order of investing matters for nurses with limited monthly income and outlines a five-step framework that prioritizes free money, tax-advantaged growth, and then taxable investing. 00:00 Investing Order for Nurses 01:46 Why Order Matters 03:07 Step 1 05:13 Step 2 08:20 Step 3 11:55 Step 4 13:43 Step 5 16:27 Extra Step 17:28 Recap and Next Steps 18:30 Final Encouragement Coast FI Calculator: https://nursingflowsheet.com/coast-fi-calculator-financial-freedom-for-nurses/ TRY MONARCH MONEY use codeMONARCHVIP to get 50% off: https://monarchmoney.sjv.io/VxYNjk ➤ Free Investment CHEAT SHEET: https://www.nursewhoinvests.com/starter ➤ Free Investing Class: https://www.nursewhoinvests.com/class Connect with me: Instagram: http://www.instagram.com/nursewhoinvests Website: https://nursingflowsheet.com/ ➤ Subscribe for more videos on nursing, career growth, and financial freedom!

July 19, 202616 min

#80: 5 MONEY habits that I wish I knew in my 20s as a Nurse

In this video, I shared five small “boring” habits she built in my early 30s that shifted myself from feeling anxious about money to feeling calm and financially free, emphasizing that strategy fails without habits. These helped me reach Coast FI in 2023 and make decisions aligned with my desired lifestyle. 00:00 Five Habits Overview 00:53 Habits Beat Strategy 01:57 Habit 1 04:48 Habit 2 06:58 Habit 3 09:57 Habit 4 11:58 Habit 5 14:35 Wrap Up And Next Steps Coast FI Calculator: https://nursingflowsheet.com/coast-fi-calculator-financial-freedom-for-nurses/ TRY MONARCH MONEY use codeMONARCHVIP to get 50% off: https://monarchmoney.sjv.io/VxYNjk ➤ Free Investment CHEAT SHEET: https://www.nursewhoinvests.com/starter ➤ Free Investing Class: https://www.nursewhoinvests.com/class Connect with me: Instagram: http://www.instagram.com/nursewhoinvests Website: https://nursingflowsheet.com/ ➤ Subscribe for more videos on nursing, career growth, and financial freedom!

June 28, 202620 min

#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

June 14, 202614 min

#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/ TRY MONARCH MONEY use codeMONARCHVIP to get 50% off: https://monarchmoney.sjv.io/VxYNjk ➤ Free Investment CHEAT SHEET: https://www.nursewhoinvests.com/starter ➤ Free Investing Class: https://www.nursewhoinvests.com/class Connect with me: Instagram: http://www.instagram.com/nursewhoinvests Website: https://nursingflowsheet.com/ ➤ Subscribe for more videos on nursing, career growth, and financial freedom!

June 8, 202620 min

#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 Nurse Investing Wakeup 01:18 Why Nurses Need More 03:15 Four Numbers Framework 05:33 Foundation Years 25-30 07:55 Acceleration Years 30-35 09:08 Double Plans 403b 457 10:10 Peak Earnings 35-40 11:39 Mega Backdoor Roth 15:27 Catch Up Years 40-45 16:51 Benchmarks Are Guides 17:53 Three Actions This Week 19:40 Free Class And Wrap Up Coast FI Calculator: https://nursingflowsheet.com/coast-fi... TRY MONARCH MONEY use codeMONARCHVIP to get 50% off: https://monarchmoney.sjv.io/VxYNjk ➤ Free Investment CHEAT SHEET: https://www.nursewhoinvests.com/starter ➤ Free Investing Class: https://www.nursewhoinvests.com/class Connect with me: Instagram: / nursewhoinvests Website: https://nursingflowsheet.com/ ➤ Subscribe for more videos on nursing, career growth, and financial freedom!

May 25, 202617 min

#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 Website: 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/ TRY MONARCH MONEY use codeMONARCHVIP to get 50% off: https://monarchmoney.sjv.io/VxYNjk ➤ Free Investment CHEAT SHEET: https://www.nursewhoinvests.com/starter ➤ Free Investing Class: https://www.nursewhoinvests.com/class

May 17, 202615 min

#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 Website: 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 ➤ Nurse Money Starter Kit with 40% off for youtube + podcast listeners: https://www.nursewhoinvests.com/offers/ty7TNPpx?coupon_code=IG40 ➤ Free Investing Class: https://www.nursewhoinvests.com/class

May 10, 202623 min

#74: Accelerate Your CoastFI Timeline: 5 Strategies for Nurses to Retire Early

In this video, I explained that your Coast FI number and timeline aren’t fixed and shares five nurse-specific strategies to accelerate Coast FI by pulling three levers: 00:00 Coast FI Isn’t Fixed 01:03 How Coast FI Works 02:17 Tip 1 04:36 Tip 2 07:38 Tip 3 10:44 Tip 4 16:14 Tip 5 20:08 Stack Strategies and Recalculate 21:42 Next Steps and Wrap Up Connect with me: Instagram: http://www.instagram.com/nursewhoinvests Website: 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 ➤ Nurse Money Starter Kit with 40% off for youtube viewers: https://www.nursewhoinvests.com/offers/ty7TNPpx?coupon_code=IG40 Free Investing Class: https://www.nursewhoinvests.com/class