Show overview
Wealthy Nurse Podcast: Money, FI, Investing for Nurses has been publishing since 2024, and across the 2 years since has built a catalogue of 84 episodes. That works out to roughly 30 hours of audio in total. Releases follow a fortnightly cadence.
Episodes typically run ten to twenty minutes — most land between 15 min and 21 min — and the run-time is fairly consistent across the catalogue. None of the episodes are flagged explicit by the publisher. It is catalogued as a EN-language Business show.
The show is actively publishing — the most recent episode landed 1 months ago, with 18 episodes already out so far this year. The busiest year was 2024, with 44 episodes published. Published by Ellaine Maala.
From the publisher
Wealthy Nurse Podcast (formerly Scrubs and Stocks Podcas)t is a podcast hosted by Ellaine Maala, RN, NP who is a finance educator, nurse, and owner of Nursing Flowsheet LLC, which is a finance and career blog for nurses. This podcast is created to help nurses build wealth through investing in the stock market, real estate or in their own businesses. Nurses deserve options whether they want to retire early or work until retirement. Money, FI, Investing. for Nurses by a Nurse.
Latest Episodes
View all 84 episodes#83: being wealthy is not strategy.. it's identity (let me explain)
#82: Money Advices I hear that are BAD for nurses
#81: Where to Invest your Money as a Wealthy Nurse (in order)
#80: 5 MONEY habits that I wish I knew in my 20s as a Nurse
#79: Types of FI (Financial Independence) and How you can pick yours
#78: What does RETIREMENT really mean? (Why you should not think of it as an age)
#77: How much you should be investing as a nurse (BY AGE) + Mega BackDoor Roth IRA
#76: Why investing "late" in your 30s or 40s is the PERFECT time to invest as a nurse
#75: Why some nurses still feel broke even if they make "good" money + HOW TO BE RICH
#74: Accelerate Your CoastFI Timeline: 5 Strategies for Nurses to Retire Early
#73: Coast FI for Nurses: The Number that You Need So You Can stop Grinding
#72: How I Built a Six-Figure Side Hustle as a Full-Time Nurse Practitioner (Without Quitting Nursing)
#71: How taxes work for W2 Nurses & what to do to lower taxable income
Nurse Taxes 101 (2026): How W2 Nurses Can Keep More of Their Paycheck Ellaine, a nurse practitioner and financial educator behind Nursing Flow Sheet, explains why many W2 nurses feel paycheck-to-paycheck and breaks down U.S. taxes in a simple 2026 update. She clarifies the progressive tax system, emphasizing that being in a higher bracket doesn’t mean all income is taxed at that rate, so earning more still increases take-home pay. She encourages nurses to review their paystubs, use employer benefits and matches, think long term, and seek an accountant if finances are complex 00:00 Why Nurses Feel Broke 00:40 Meet Ellaine and Taxes Matter 01:38 Tax Brackets Explained 03:15 W2 Paycheck Breakdown 05:24 W2 Tax Levers Overview 06:57 Pre Tax Accounts 07:53 Standard Deduction Basics 09:33 Withholding vs Taxes 10:29 Simple Nurse Tax Strategy 11:33 Bigger Picture and Enough 12:23 When to Hire Help 12:56 Action Steps and Wrap Up Connect with me: Instagram: http://www.instagram.com/nursewhoinvests Website: https://nursingflowsheet.com/ Download MONARCH MONEY: https://monarchmoney.sjv.io/VxYNjk (affiliate link) Budgeting for Beginners: https://nursingflowsheet.com/budgeting-for-beginners/ ➤ Stock Market Investing for Nurses MASTERCLASS (use code:INVESTREADY) REGISTER HERE: https://www.nursewhoinvests.com/investing101 ➤ FREE INVESTING CLASS FOR NURSES https://www.nursewhoinvests.com/class ➤ Subscribe for more videos about nursing, career growth, and financial freedom!
Why Systems Work when Willpower and Motivation Falls
I Missed Weeks of Posting… Here’s Why Money Systems Matter More Than Willpower Elaine, a nurse practitioner and certified financial educator, shares an honest update on why she paused the Nurse Money Project after planning to post weekly: work and family got busy while she adjusted to being a solo income earner in the Bay Area. She explains that despite the break, her money system kept working—bills were paid, savings grew, and automated investing continued even as the stock market turned red and her limit orders went through. The episode’s key lesson is that financial progress comes from systems, automation, clear priorities, and consistent direction—not perfection, motivation, or hustle—because life naturally moves through seasons of focus, rest, and recalibration. She confirms the 12-week series will continue and encourages nurses to be intentional rather than perfect as they pursue financial freedom. 00:00 Project Update 00:43 Meet Elaine 01:33 Why Posting Paused 02:22 Money Runs Automatically 03:27 Systems Over Willpower 05:21 Let Go of Perfection 06:20 Direction Beats Hustle 07:00 Series Continues 07:51 Final Encouragement
#70: Is FIRE Movement possible for Nurses? Can Nurses RETIRE EARLY?
Is Financial Independence Possible for Nurses? Ellaine, a nurse practitioner and financial educator, discusses the possibility of financial independence for nurses through the FIRE (Financial Independence, Retire Early) movement. She addresses common misconceptions about the need for extreme frugality and quitting work entirely. Instead, Ellaine emphasizes that financial independence grants more options and flexibility in life, not necessarily an early retirement. She outlines key elements such as math, behavior, and time as crucial for achieving financial goals and highlights the unique challenges nurses face. Ellaine also shares her personal journey and offers practical advice for fellow nurses seeking financial stability . 00:00 Introduction: Is Financial Independence Possible for Nurses? 00:27 Understanding the FIRE Movement 01:18 Misconceptions About FIRE 03:13 Challenges for Nurses in the FIRE Movement 07:00 The Formula for Financial Independence 12:37 Real-Life Applications of FIRE for Nurses 13:54 Conclusion and Next Steps Connect with me: Instagram: http://www.instagram.com/nursewhoinvests Website: https://nursingflowsheet.com/ Download MONARCH MONEY: https://monarchmoney.sjv.io/VxYNjk (affiliate link) Budgeting for Beginners: https://nursingflowsheet.com/budgeting-for-beginners/ ➤ Stock Market Investing for Nurses MASTERCLASS (use code:INVESTREADY) REGISTER HERE: https://www.nursewhoinvests.com/investing101 ➤ FREE INVESTING CLASS FOR NURSES https://www.nursewhoinvests.com/class ➤ Subscribe for more videos about nursing, career growth, and financial freedom!
#69: Why making MORE money as a nurse does not always equal Financial Freedom [series 5]
Understanding Financial Peace: Why More Income Isn't the Solution for Nurses In this video, Elaine, a nurse practitioner and financial educator, candidly discusses the common misconception that earning more money solves financial issues. Drawing from her own experience, she reveals how increasing income didn't alleviate her financial anxiety and argues that proper money management and systems are more crucial for financial peace. Elaine introduces her 12-week Nurse Money project aimed at helping nurses build wealth through better financial habits and mindset. She emphasizes automating financial decisions, investing wisely, and building a solid financial foundation. Elaine encourages her fellow nurses to shift their focus from merely increasing income to managing their current earnings more effectively for long-term financial stability. 00:00 Introduction: The Surprising Truth About Money 00:33 Meet Ellaine: Nurse Practitioner and Financial Educator 01:02 The Nurse Money Project: A 12-Week Journey 02:25 The Myth of More Income: Personal Experiences 04:50 The Real Source of Financial Stress 07:16 Managing Money: Systems Over Income 10:26 Practical Tips for Better Money Management 13:52 Final Thoughts: Building a Stable Financial Foundation 16:20 Conclusion: Join the Nurse Money Project Connect with me: Instagram: http://www.instagram.com/nursewhoinvests Website: https://nursingflowsheet.com/ Download MONARCH MONEY: https://monarchmoney.sjv.io/VxYNjk (affiliate link) Budgeting for Beginners: https://nursingflowsheet.com/budgeting-for-beginners/ ➤ Stock Market Investing for Nurses MASTERCLASS (use code:INVESTREADY) REGISTER HERE: https://www.nursewhoinvests.com/investing101 ➤ FREE INVESTING CLASS FOR NURSES https://www.nursewhoinvests.com/class ➤ Subscribe for more videos about nursing, career growth, and financial freedom!
#68: How much I invest and accounts I own to Retire early as a Nurse [series 4]
How I Invest as a Nurse Practitioner: My Strategy for Financial Freedom In this video, I share my personal investment strategies as a nurse practitioner living in the Bay Area. I discuss the importance of building automated systems over picking stocks and timing the market. I outline the three main investment accounts that I use: my employer-sponsored 403(b), a Roth IRA, and a taxable brokerage account. I also touch on the benefits of each account and how they fit into my overall financial plan. Additionally, I emphasize the importance of consistency over perfection in investing and share how my approach has given me financial flexibility and freedom. Stick around for the next episode where I'll discuss how to increase your income without working more shifts! 00:00 Introduction 00:59 The Power of Automation in Investing 01:20 The Nurse Money Project: A 12-Week Series 02:27 Living and Investing in the Bay Area 03:12 My Simple and Sustainable Investing Philosophy 03:59 Three Key Investment Accounts for Nurses 05:32 Maximizing Retirement Contributions 07:48 The Flexibility of a Taxable Brokerage Account 09:59 Honorable Mention: Investing for Kids 10:39 My Investment Routine and Philosophy 14:53 The Long-Term Goal: Financial Freedom and Flexibility 16:52 Encouragement for New Investors 17:45 Upcoming Topics and Conclusion Connect with me: Instagram: http://www.instagram.com/nursewhoinvests Website: https://nursingflowsheet.com/ Download MONARCH MONEY: https://monarchmoney.sjv.io/VxYNjk (affiliate link) Budgeting for Beginners: https://nursingflowsheet.com/budgeting-for-beginners/ ➤ Stock Market Investing for Nurses MASTERCLASS (use code:INVESTREADY) REGISTER HERE: https://www.nursewhoinvests.com/investing101 ➤ FREE INVESTING CLASS FOR NURSES https://www.nursewhoinvests.com/class ➤ Subscribe for more videos about nursing, career growth, and financial freedom!
#67: How I organize my Money as a Nurse practitioner without budgeting [series 3]
Creating Financial Systems for Nurses: Budgeting Without Micromanaging In this video, I share how nurses can achieve financial freedom by setting up automated money management systems instead of traditional, restrictive budgets. I discuss my paycheck routine, including having a main landing account, automating investments and bill payments, and using credit cards responsibly. I'll show you how these systems reduce decision fatigue, remove the emotional burden of money management, and ensure stability even in a chaotic life. This is part of my 12-week Nurse Money Project series, and next week, we'll dive into investing for nurses. 00:00 Introduction: Why Traditional Budgets Fail 00:42 Meet Elaine: Nurse Practitioner and Financial Educator 01:37 The Problem with Traditional Budgeting for Nurses 03:25 Elaine's Core Beliefs and Money Systems 05:00 Step-by-Step Paycheck Routine 06:44 Automating Your Finances 10:34 Intentional Spending and Credit Card Utilization 14:28 Creating a Simple Action Plan 15:40 Conclusion and Next Steps Connect with me: Instagram: http://www.instagram.com/nursewhoinvests Website: https://nursingflowsheet.com/ Download MONARCH MONEY: https://monarchmoney.sjv.io/VxYNjk (affiliate link) Budgeting for Beginners: https://nursingflowsheet.com/budgeting-for-beginners/ ➤ Stock Market Investing for Nurses MASTERCLASS (use code:INVESTREADY) REGISTER HERE: https://www.nursewhoinvests.com/investing101 ➤ FREE INVESTING CLASS FOR NURSES https://www.nursewhoinvests.com/class ➤ Subscribe for more videos about nursing, career growth, and financial freedom!
#65: Changing your Money Mindset to Achieve Financial Freedom [series 2]
In this video, I reveal the key mindset shift that changed everything for me and countless other nurses regarding money. I'll discuss how the beliefs we grow up with can affect our financial decisions and how you can transition from a scarcity mindset to an abundance mindset. I'll also highlight the importance of designing your own financial systems to ensure your money works for you, helping you achieve true financial freedom. This episode is part of my Nurse Money project, a 12-week series dedicated to helping nurses build wealth and design a fulfilling life. Stay tuned for next week's discussion on organizing your money and creating systems that bring peace and clarity to every paycheck you earn. 00:00 Introduction: The Real Struggle with Money 01:29 The Power of Money Mindset 01:56 Personal Money Narratives 06:56 Scarcity vs. Abundance Mindset 09:34 Shifting to an Abundance Mindset 13:40 Practical Steps to Change Your Money Mindset 19:53 Conclusion and Next Steps FREE INVESTING CLASS: Enroll Here Scrubs and Stocks Podcast is a podcast hosted by Ellaine Maala, RN, NP who is a finance educator, nurse, and owner of NursingFlowsheet LLC, which is a finance and career blog for nurses. This podcast is created to help nurses build wealth through investing in the stock market, real estate or in their own businesses.Nurses deserve options whether they want to retire early or work until retirement.If you want to connect with Ellaine, follow her on:Instagram: @nursewhoinvestsTikTok: @nursewhoinvestsBlog: nursingflowsheet.com , nursewhoinvests.comDownload my free investment cheatsheet
#64: Being a Nurse Making "Good" Money and Still Feeling Stuck [series 1]
The Nurse Money Project: My Journey to Financial Freedom In this episode, I kick off the Nurse Money Project—a 12-week series aimed at helping nurses achieve financial freedom. I share my personal journey, from growing up in the Philippines with little financial knowledge to becoming a financially free nurse in the U.S. I discuss the cultural taboos around money, my family's immigrant experience, and how I transitioned from financial confusion to confidence. This series will cover various money topics, including mindset, investing, and financial planning, all tailored for nurses. Subscribe and join me on this journey to becoming financially empowered. 00:00 Introduction to the Nurse Money Project 01:36 My Financial Journey: From the Philippines to the US 02:58 Learning About Money and Overcoming Financial Challenges 03:54 Starting My Financial Education Journey 05:04 Sharing Financial Knowledge and Growing Together 06:07 The Importance of Financial Education for Nurses 07:38 What to Expect in the Nurse Money Project Series 09:56 Conclusion and Next Steps FREE INVESTING CLASS: Enroll Here Scrubs and Stocks Podcast is a podcast hosted by Ellaine Maala, RN, NP who is a finance educator, nurse, and owner of NursingFlowsheet LLC, which is a finance and career blog for nurses. This podcast is created to help nurses build wealth through investing in the stock market, real estate or in their own businesses.Nurses deserve options whether they want to retire early or work until retirement.If you want to connect with Ellaine, follow her on:Instagram: @nursewhoinvestsTikTok: @nursewhoinvestsBlog: nursingflowsheet.com , nursewhoinvests.comDownload my free investment cheatsheet