MoneyRx for CRNAs and NPs

112 Episodes

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3 Ways CRNAs and NPs Can Spend More in Retirement Than the 4% Rule Allows

2026-10-2720:46

The 4% rule traces back to a 1994 study by financial planner Bill Bengen, and the number it produced came from the worst 30-year stretch he tested, a retirement that began in 1966. In this episode, Brett Fellows, CFP®, explains how that origin shapes retirement spending for CRNAs and nurse practitioners who follow the rule, and why stepping away from the OR or bedside in your early to mid-50s can make it even more restrictive. Brett walks through three ways to tie retirement spending to how m...

Can I retire at 55 with $2M as a CRNA?

2026-10-2020:26

A 2026 survey found that Americans now believe they need $1.46 million to retire comfortably. A CRNA or nurse practitioner who has built well past that number can still feel behind, and Brett Fellows, CFP®, traces that feeling to a number that was never built for a career like theirs. On this episode of MoneyRx for CRNAs and NPs, Brett works out a retirement number from a household’s own spending and Social Security income, then looks at cash reserves, malpractice tail coverage, and the 15 to...

The Surprise Tax Bill Hidden in Your Roth 401(k) Match

2026-10-1318:58

SECURE Act 2.0 gave employers the option to put their match into the Roth side of your 401(k), and the tax rules that come with it catch plenty of savers off guard. Brett Fellows, CFP®, explains why a Roth employer match can show up on a 1099-R and raise your tax bill in a year you never touched the money. He also walks through what to check in your plan before tax season. Brett Covers: Why the IRS counts a Roth employer match as income in the year it’s depositedThe 1099-R that arrives even t...

The Three-Account Swap Costing W-2 APRNs Six Figures

2026-10-0619:57

A hospital-employed CRNA or nurse practitioner with a 403(b), an HSA, and a taxable brokerage account can fund all three on schedule for years and still lose ground to taxes because of what sits inside each one. In this episode, Brett Fellows, CFP®, walks through a setup he sees often with W-2 APRNs in their 40s and 50s. He shows how a coordinated swap across the three accounts can add up to six figures over 20 years without raising contributions or adding risk. Brett Covers: The four leaks r...

How Retirement Changes Your Taxes

2026-09-2927:47

CRNAs and nurse practitioners often spend decades with an employer sorting out their taxes automatically. Retirement hands that job to you, along with a set of rules a W-2 career never prepares you for. In this episode of MoneyRx for CRNAs and NPs, Brett Fellows, CFP®, walks through the income types that show up once you stop working, how ordinary income and capital gains get taxed differently, and costs like the Medicare IRMAA surcharge that catch a lot of long-time W-2 employees off guard. ...

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