FAQ
What’s the difference between a financial coach and a financial advisor?
A financial coach provides education and guidance to help you manage money, save, and invest wisely. A financial advisor gives personalized investment recommendations and manages assets. The information I provide is for educational purposes only and should not be considered financial, investment, tax, or legal advice.
What is the "Nurse Optional Number"?
Your "Nurse Optional Number" refers to Coast FI (Financial Independence) which means you've saved and invested enough that, even if you stop contributing, your investments will grow to fully fund your retirement by the time you reach traditional retirement age. This allows you to be work optional because you no longer need to aggressively save, you just need to cover your current living expenses while your investments grow in the background. It gives you the freedom to work less, switch careers, or take a more flexible approach to earning money.
Is this some kind of get-rich-quick scheme?
No, not at all. I’m a Certified Financial Education Instructor, not a financial advisor or salesperson. I don’t sell investments, insurance, or push risky strategies. My coaching is purely education-based, helping nurses understand the fundamentals of saving, investing, and financial independence. This is about long-term, proven strategies, not quick fixes or hype. My goal is to teach you how to take control of your money so you can make informed decisions and build real financial security on your own terms.
Do you give specific investment advice or recommend stocks?
No, I provide general financial education but do not recommend specific investments or manage money.
I have debt. Should I pay it off first or start investing?
It depends on the interest rate. High-interest debt (like credit cards) should be paid off first, while low-interest debt can be managed alongside investing.
What’s the difference between a 401(k), 403(b), IRA, and Roth IRA?
These are retirement accounts. 401(k) and 403(b) are employer-sponsored, while IRAs are individual accounts. Traditional accounts offer tax breaks now, Roth accounts offer tax-free withdrawals later.
What’s included in your 1 on 1 coaching sessions?
A breakdown of your finances, guidance on saving and investing, and a personalized roadmap to financial independence that includes a retirement projection simulator and sequence of withdrawals tracker.
Can I still reach financial independence if I got a late start?
Yes! It may take adjustments like saving more or extending your working years, but financial independence is still achievable.
How do I stop living paycheck to paycheck?
Track your spending, create a budget, cut unnecessary expenses, and automate savings and investments.
Do you only work with nurses?
Not at all! While my primary audience is U.S.-based nurses and healthcare workers, the financial education I provide is just as valuable for those outside the healthcare field. I’ve worked with therapists, social workers, and professionals in tech and marketing, to name a few. The principles of financial independence and smart investing apply to everyone.
I am located outside the U.S.A., does this course still apply to me?
This course is designed for individuals in the United States, as it is based on U.S. financial systems, retirement accounts, and investment regulations. While some concepts may apply broadly, specific strategies and guidelines may differ in other countries.