10/05/2026
Hey Friendship!
This is going to sting but it needs to be said! You’re making nurse money… so why are you still living paycheck to paycheck?
Here are 5 things that could be keeping you broke.
1. You rely on overtime instead of having a long-term financial plan. Every time you need more money, you pick up another shift. It works until you’re exhausted and realize you can’t afford to stop working overtime.
2. Lifestyle creep gets you. You work hard, so you tell yourself you deserve the expensive vacation, nicer car, shopping, and dinners out. There’s nothing wrong with enjoying your money, but when you come home from vacation with credit card debt and have to work extra shifts to pay it off, you’re spending tomorrow’s money to reward yourself today.
3. You don’t pay yourself first. You pay the mortgage, car, credit cards, and everyone else before you save for yourself. You think you have plenty of time because you make good money, then 5–10 years into nursing you start wondering, “Where did all my money go?”
4. You’ve gotten comfortable without building a Plan B. You like your coworkers, your schedule, and the security of your paycheck, so learning a new skill, starting a side hustle, or building another income stream can always wait. The problem is, when you finally want to go PRN or work less, you don’t have the financial safety net to do it.
5. You have an overtime plan, but not a freedom plan. And this might be the biggest one. If the only solution to needing more money is working more hours, eventually you’re going to feel trapped.
Yes, patient care can be exhausting. But sometimes what feels like burnout is made even heavier by knowing you financially can’t afford to work less.
After years of nursing, I realized I didn’t want my only option for making more money to be giving more of my time.
I wanted options.
I wanted a Plan B.
And I wanted to build it before I desperately needed it.
🚨If you’re a nurse or really anyone who feels the same way, comment “PRN” and I’ll show you what I’m building.
