The Ultimate Guide to Understanding Your Money Habits (25-Question Self-Assessment)
Financial Wellness for Busy Professionals — Especially Nurses
Money habits shape your entire financial life — your budgeting, your savings, your debt, your stress levels, and even your ability to retire comfortably. Yet most people have never stopped to ask:
“What are my actual money habits?”
This guide walks you through a powerful 25-question Money Habits Questionnaire designed to help you understand your behavior, spot hidden patterns, and build a healthier relationship with money.
Whether you’re a nurse, healthcare worker, or a busy professional who wants more financial stability, this assessment will show you where you stand — and what to improve next.
Why Understanding Your Money Habits Matters
Your financial habits determine:
How much you save
How quickly you pay off debt
How comfortable you are during emergencies
How confident you feel about your future
How soon you can reach financial independence
Most people don’t need more income. They need better habits, structure, and clarity. Before creating a budget or trying to invest, you must first understand your baseline.
The 5 Key Areas of Money Habits
This questionnaire examines habits in five core categories:
1. Spending
2. Saving
3. Debt Management
4. Investing & Wealth Building
5. Mindset & Money Behavior
Below is the full assessment — followed by a breakdown of what your answers mean and how to improve each area.
The 25-Question Money Habits Questionnaire - Analyze My Habits
A. Spending Habits
1. How often do you track your daily or weekly spending?
2. Do you stick to a monthly budget?
3. How often do you make impulse purchases?
4. Do you compare prices or look for deals?
5. Do you feel anxious or guilty after spending money?
B. Saving Habits
6. Do you have an emergency fund?
7. How often do you set aside money for savings?
8. Do you automatically save a portion of your income?
9. Are you saving for short-term goals?
10. Are you saving for long-term goals?
C. Debt Habits
11. Do you carry a balance on your credit cards or loans?
12. Do you make only minimum payments?
13. Do you feel stressed about debt?
14. Do you prioritize high-interest debt?
15. Have you ever sought professional debt help?
D. Investing & Wealth Building
16. Do you have investments outside retirement accounts?
17. Do you contribute to retirement accounts consistently?
18. How comfortable are you with investment risk?
19. Do you review your net worth?
20. Do you have clear and specific financial goals?
E. Mindset & Behavior
21. Do you feel in control of your financial life?
22. Do you talk openly about money?
23. Do you have a plan for unexpected expenses?
24. How often do you learn about personal finance?
25. What is your overall relationship with money?
What Your Answers Reveal About Your Financial Health - Analyze My Habits
Below is a breakdown of each category so readers can understand their patterns.
A. Spending Habits — Do You Know Where Your Money Goes?
If you answered Never or Rarely to tracking spending or sticking to a budget, you may be losing money without realizing it.
Strong spending habits look like:
Tracking your expenses weekly
Following a simple budgeting system
Comparing prices before buying
Minimal impulse buys
Spending without guilt or anxiety
Quick improvements:
Use apps like Mint, YNAB, or EveryDollar
Use the 50/30/20 method
Wait 24 hours before impulse purchases
Review bank statements weekly
B. Saving Habits — Are You Building Safety + Security?
Low scores in saving reveal:
No emergency cushion
Irregular savings
Always playing catch-up
Stress during unexpected expenses
Strong saving habits look like:
At least 1–3 months in an emergency fund
Automatic savings every payday
Saving for BOTH short-term and long-term goals
Quick improvements:
Start with a $500 emergency fund
Automate a small % every paycheck
Open a high-yield savings account
C. Debt Habits — Is Debt Controlling You?
If you carry balances, make minimum payments, or feel stressed about debt, you may be in a damaging cycle.
Strong debt habits include:
Paying more than the minimum
Attacking high-interest debt first
Staying away from unnecessary loans
Seeking help when needed
Quick improvements:
List all debts from highest to lowest interest
Make extra payments toward the top of the list
Avoid new debt while paying off current ones
D. Investing & Wealth Building — Are You Preparing for Your Future?
If you’re not investing or reviewing your retirement accounts, you may fall behind.
Strong investing habits include:
Consistent retirement contributions
Index funds or ETFs
A Roth IRA or 401(k)/403(b)
Checking net worth quarterly
Clear financial goals
Quick improvements:
Increase retirement savings by 1% annually
Open a Roth IRA
Review your net worth every 3 months
E. Mindset & Behavior — How Do You Feel About Money?
This is the foundation.
Low scores here often reflect:
Feeling overwhelmed
Avoiding money conversations
Fear of making mistakes
Lack of confidence
Strong mindset habits look like:
Feeling in control
Open, confident communication
A clear plan for emergencies
Actively learning about money
A positive relationship with money
Quick improvements:
Read 1 personal finance book a month
Talk to a financial advisor or coach
Journal your money wins weekly
How to Score Your Money Habits (Simple Method)
You can score each question on a 1–5 scale:
1 = Poor habit
5 = Strong habit
Then calculate scores for each section:
Spending
Saving
Debt
Investing
Mindset
The lowest-scoring section shows where you should focus FIRST.
Final Thoughts — Your Money Habits Shape Your Future
Your financial life doesn’t change overnight — it changes when your habits change.
This 25-question assessment helps you:
Understand where you are today
Identify your strengths
Spot your gaps
Build a plan for financial freedom
You don’t need perfection. You need awareness and consistent action. Do your Money Habits Assessment today!
If you want help improving your results, building a plan, or transforming your financial life…
Financial Literacy for Nurses: The Ultimate 2026 Guide to Building Wealth on Any Schedule
Nurses care for everyone else—but when it comes to finances, many barely have time to care for themselves. Between long shifts, unpredictable schedules, and burnout, money planning is often pushed aside.
But here’s the good news: you don’t need a finance degree or hours of free time to become financially strong. You just need simple, nurse-friendly strategies that fit your lifestyle.
This guide breaks down everything nurses need to know about money—in plain English, with realistic steps you can take starting today.
Why Financial Literacy Matters for Nurses
Most nurses are high earners but not high keepers.
Common challenges include:
Student loans
Shift fatigue → impulse spending
Skyrocketing rents
Little time for budgeting
Working overtime just to “catch up”
Financial literacy helps nurses:
Reduce financial stress
Understand their paycheck and benefits
Build long-term wealth
Protect their family
Stop living paycheck to paycheck
1. Understand Your Nursing Income (More Than Just Hourly Pay)
Most nurses only look at their hourly rate—but real financial power comes from understanding everything attached to your paycheck.
Key areas to review:
✔ Base hourly rate
Know how it grows with experience, certifications, or degree.
✔ Differential pay
Evening, night, weekend, and holiday differentials can add thousands per year.
Example: A nurse making $40/hr with a $6 night diff and 6 shifts/month at night earns an extra $432/month.
✔ Overtime vs. double time
Understand when overtime starts, and if your hospital offers double-time.
✔ Pre-tax benefits
HSA, FSA, 401(k), 403(b), and pension contributions reduce taxable income and grow your long-term wealth.
2. Master the Nurse-Friendly Budget (That Works Even When You're Exhausted)
Traditional budgeting doesn’t work for nurses because your schedule isn’t traditional.
Instead, use this Nurse-Friendly 50/30/20 Method:
50% Needs
Rent, food, transportation, utilities30% Wants
Eating out on shift, coffee, self-care20% Wealth Building
Savings, retirement, insurance, investments
Nurse hack:
Automate everything on payday.
When money moves before you touch it, you save more without effort.
3. Build a 3–6 Month Emergency Fund
Travel nursing gaps, schedule cuts, union strikes, and floating to low-acuity units happen.
Emergency money keeps you safe.
Start small:
Save $500
Then 1 month of expenses
Then build to 3–6 months
Set it in a high-yield savings account so it earns interest.
4. Understand Your Retirement Options (403b, 401k, Roth IRA, and More)
Nurses often overlook retirement because it's “too far away,” but it’s one of the easiest ways to build wealth.
✔ 403(b) / 401(k)
Employer-sponsored retirement.
Aim for at least enough to get the match.
Increase contributions 1% every year.
✔ Roth IRA
Tax-free retirement growth.
Perfect for nurses early in their career.
✔ Traditional IRA
Helps reduce taxes now.
✔ Pension (if your hospital offers one)
Rare benefit—take full advantage.
Nurse retirement rule:
Save 15% of your income for retirement, including employer match.
5. Protect Your Income With the Right Insurance
One injury can end a nursing career.
One illness can erase years of savings.
Key protections:
✔ Life insurance
Protects your family
(especially important for nurses with kids or dependents)
✔ Disability insurance
If you can’t work, your income continues.
✔ Health insurance
Understand deductibles, premiums, and out-of-pocket max.
✔ Long-term care planning
For nurses caring for elderly parents (or thinking ahead for themselves).
6. Stop the Paycheck-to-Paycheck Cycle with Smart Debt Management
Most nurses carry:
Credit card debt
Car loans
Student loans
Personal loans
Use the AVP Method (Avoid, Verify, Pay):
A – Avoid new debt
Unsubscribe from shopping apps, avoid after-shift impulse buying.
V – Verify interest rates
List all debts and identify the highest interest first.
P – Pay using Snowball or Avalanche
Choose a method you can stick to, not the "perfect" one.
7. Start Investing Even If You’re New (Nurse-Friendly Investing)
Investing isn’t gambling when done correctly.
You can start with:
Index funds
ETFs
High-quality mutual funds
Robo-advisors
Investing rule for nurses:
Invest consistently, not perfectly.
8. Create Multiple Streams of Income (Nurses Are Perfect for This)
Nurses are skilled, service-oriented, and trusted—ideal for side incomes.
Top nurse-friendly side streams:
PRN or per-diem shifts
Teaching CPR
Health coaching
Financial coaching
Online courses
Rental property
Travel nursing (short-term boosts)
Side income gives nurses freedom from relying on OT.
9. Build Wealth Automatically (The Nurse Automation System)
Because nurses don’t have time to manually budget daily.
Automate:
Bill payments
Savings transfers
Investment deposits
Retirement contributions
When money moves automatically, you avoid missed payments and grow wealth without thinking about it.
10. Plan for Long-Term Financial Freedom
Financial literacy isn’t just about making more money.
It’s about creating:
Peace
Stability
Flexibility
Options
A future where you don’t need to work 12-hour shifts forever
Imagine:
Working fewer shifts
Not depending on OT
Choosing jobs based on passion, not pay
Retiring early
Taking care of your family without stress
This becomes possible when nurses take control of their money.
Final Thoughts: Financial Literacy Is a Nurse’s Superpower
You work hard for your money.
Now it’s time to make your money work for you.
Start with one step:
Open a high-yield savings account
Increase retirement by 1%
Automate savings
Pay off one debt
Learn one new financial concept a week
Small steps create big results.
Ready to Improve Your Financial Future?
If you’re a nurse who wants simple, practical guidance to build wealth without overwhelm…
👉 Join our Financial Literacy Coaching Program for Nurses
or
👉 Get your free Nurse Financial Starter Kit
A Note From Your Financial Educator: The 'Triage' Mindset
You're probably here for a simple reason: you're a highly-skilled nurse, you work incredibly hard, but your finances are a source of stress, not peace.
You might be looking at debt balances that feel overwhelming, credit card debt that feels "stuck," or you're just living with the "financial fog" of not really knowing where your money is going—especially with a variable income. You’re living paycheck to paycheck.
If you're feeling anxious, overwhelmed, or even a little embarrassed, I want you to take a deep breath. Those feelings are normal, and they are welcome here. But we're about to replace them with a "Care Plan."
This is Not a "Budget Boot Camp"
First, let's get one thing clear: this is not a "budget boot camp." I am not a "drill sergeant" who is going to yell at you about your latte spending.
This is a "Financial Care Plan."
I use this "medical" language very intentionally. We are going to treat your finances just like you, a skilled clinician, would treat a new patient:
Module 1 is "Triage": We will (calmly and without judgment) "diagnose" your "vitals." We'll look at your "symptoms" (your debt) and your "life-support systems" (your income).
Module 2 is the "Care Plan": We will create a step-by-step "treatment plan" to stop any "financial bleeding" (high-interest debt) and create a "healthy" cash-flow system.
Module 3 is the "Wellness Plan": We will "discharge" you with a long-term "wellness" plan (your automated savings and retirement) to keep you out of the "financial ER" for good.
The "No-Judgment" Rule
This brings us to the Golden Rule of this entire 75-day program:
There is zero judgment here. Ever.
In our 1-on-1 sessions, I am going to ask you to share your "Spending Journal." I want you to think of this as a "food journal" you'd give a doctor.
A good doctor would never "shame" a patient for what's in their food journal. That would be unprofessional and counter-productive. The doctor just looks at the data to find the "triggers."
We are doing the exact same thing.
Shame is a terrible "treatment plan." It doesn't work. It just makes you want to hide. The "patient" (your finances) may be "sick," but you are not your finances. You are the "clinician" who is finally stepping in to create the plan to heal it.
How to "Succeed" in This Program
You've already done the hardest part, which is showing up. Now, here is your "prescription" for success over the next 75 days:
Trust the "Learn -> Apply" Process: The 3-minute videos are your "textbook." Our 1-on-1 sessions are the "clinical lab." You must do the "pre-work" (the videos and quizzes) to make our "lab time" 100% effective.
Be 100% Honest (with Yourself): This "Care Plan" will only work if the "diagnosis" is accurate. Be honest in your "Spending Journal." The data is just data.
Embrace the "Triage" Mindset: Our first job is to stop the bleeding. That means in Module 2, our "Care Plan" will be focused on your "Acute" (high-interest) debt. We must stabilize the patient before we can talk about long-term "Wellness."
You are in the right place. You have the right "specialist." And you have the right "treatment plan."
Now, let's get your "Patient Chart" (your spreadsheet) open, and let's get started on Day 1.
I'll see you in our first session.
If you have yet signed up for the Financial Literacy for Nurses program, ENROLL here!
A Nurse's Guide to the 50/30/20 Budgeting Rule
It all begins with an idea.
In your Financial Literacy for Nurses program, you learned how to build your "Care Plan" budget using your "Base Pay" vs. your "Variable Pay." This is the best cash-flow method for a variable income.
Now, a common question is: "But where should my money be going? How much is 'too much' for housing or 'wants'?"
This is where the "50/30/20 Rule" comes in. It's not a how-to plan; it's a categorization guide. It gives you "triage" buckets to see if your spending is "healthy" and "in balance."
Think of it as the "vital signs" for a healthy budget.
What is the 50/30/20 Rule?
This rule, popularized by Senator Elizabeth Warren, is a simple way to categorize your Net (Take-Home) Income into three buckets:
50% for "Needs"
30% for "Wants"
20% for "Goals" (Savings & Debt Repayment)
Let's "diagnose" each one.
1. The "50% Bucket": Your "Needs"
This 50% of your take-home pay is for your "Fixed" and "Variable Needs." These are the absolute "must-haves" you need to live and work.
Fixed Needs: Rent/Mortgage, Utilities, Car Payment, Insurance, Minimum Debt Payments.
Variable Needs: Groceries, Gas (to get to work), Household Supplies.
The "Triage Test": If you were to lose your job, these are the bills you would still have to pay.
2. The "30% Bucket": Your "Wants"
This 30% of your take-home pay is for your "Variable" lifestyle spending. This is the "fun" part of your budget that makes life enjoyable.
Restaurants / Takeout / Coffee Shops
Entertainment (Movies, concerts)
Shopping (Clothes, hobbies)
"Non-essential" Subscriptions
Vacations
The "Triage Test": If you needed to "cut" your spending in an emergency, this is the first bucket you would "treat."
3. The "20% Bucket": Your "Goals" (Savings & Debt)
This 20% of your take-home pay is for your "Financial Goals." This is the "wealth-building" bucket. It includes:
Savings: Building your "STAT" E-Fund, your 3-6 month E-Fund, saving for a car, etc.
Debt Repayment: Any extra payments you make above the minimum (e.g., your "Snowball" or "Avalanche" payments).
Investing: Your contributions to your 403(b)/401(k) beyond the employer match (we often count the "match" as part of your "Needs" or "Income").
How to Use This With Your "Financial Care Plan"
This is the most important part. You might be thinking, "My income is variable, so how does this work?"
Here is your "Care Plan" for combining the two systems:
Rule 1: Your "50% Needs" must be 100% funded by your "Base Pay." This is your "Safety Floor." If your "Needs" (your 50% bucket) are more than your guaranteed "Base Pay," you have a "critical condition"—your fixed costs are too high for your stable income.
Rule 2: Your "30% Wants" and "20% Goals" are funded by your "Variable Pay" (OT) and any "Base Pay Surplus." This is how you stay in control. When you have a great month with lots of OT, you don't let your "30% Wants" bucket explode. Instead, you stick to your "Variable (Goal) Plan" and put that extra money directly into your "20% Goals" bucket—using it to "snowball" your debt or build your savings.
The "Prognosis": This 50/30/20 rule is a fantastic "diagnostic tool" to use after you've tracked your spending for a month. It helps you see if your "vitals" are in balance.
If you find your "Needs" are 70% of your income, you don't have a "Wants" problem—you have a "Needs" problem (like a too-high rent payment), and our "Care Plan" must address that.
Remember: This is a guide, not a gospel. Your "20% Goals" bucket might be 30% or 40% while you're in "Acute Debt Triage"—and that's great! This tool just gives you a "healthy" baseline to aim for.
Guide to S.M.A.R.T. Goal Examples
It all begins with an idea.
In your Financial Literacy for Nurses program, you learned that a "goal" is just a "dream" with a plan and a deadline. The "S.M.A.R.T." framework is our "prescription" for turning a vague dream (like "I want to be better with money") into an actionable "Care Plan."
Here is a quick reminder of the framework, followed by real-world examples you can use as a template.
S = Specific: What exactly do you want to achieve?
M = Measurable: How will you track it? (A dollar amount, a date, a number).
A = Achievable: Is it realistic? (Can you do this with your "Variable Plan"?)
R = Relevant: Why does this goal matter to your "Financial Wellness"?
T = Time-bound: When will you achieve it? (A specific deadline).
Example 1: The "STAT" Emergency Fund (Short-Term "Triage")
Goal: To save my $1,000 "STAT" Emergency Fund.
S (Specific): I will save $1,000.
M (Measurable): I will see a $1,000 balance in my new High-Yield Savings Account.
A (Achievable): I will transfer $500 from my next two "Variable (OT) Pay" paychecks.
R (Relevant): This will be my "buffer" to stop a "life event" (like a car repair) from becoming a "debt event" (on a credit card).
T (Time-bound): In 60 days (or 2 pay cycles).
Example 2: Pay Off "Acute" Debt (Short-Term "Triage")
Goal: To pay off my "Acute" (high-interest) credit card.
S (Specific): I will pay off the entire $1,800 balance on my Chase Visa.
M (Measurable): The balance will be $0.
A (Achievable): I will use my "Debt Snowball" plan. I will pay the $50 minimum plus all my "Variable Pay" (at least $400/month).
R (Relevant): To stop the "financial bleeding" from the 24.99% APR and free up my cash flow.
T (Time-bound): In 5 months.
Example 3: Build the Full E-Fund (Medium-Term "Stabilize")
Goal: To build my 3-Month Full Emergency Fund.
S (Specific): I will save $10,500 (which is 3x my $3,500/month "Base Budget").
M (Measurable): A $10,500 balance in my HYSA.
A (Achievable): After my acute debt is paid, I will redirect my "Snowball" payment (that $450/month) plus my "Base Pay Surplus" ($200/month) for a total of $650/month.
R (Relevant): To become financially "stable" and able to withstand a major income drop or life event.
T (Time-bound): In 17 months (10,500 / 650 = 16.1).
Example 4: Get the 403(b) Match (Long-Term "Wellness")
Goal: To get my full employer 403(b) match.
S (Specific): I will increase my 403(b) contribution from 2% to 5% of my "Gross Pay."
M (Measurable): The contribution percentage on my pay stub will say "5%."
A (Achievable): I will log into my benefits portal and change the contribution percentage.
R (Relevant): To get the 100% "free money" return from my employer.
T (Time-bound): By my next pay cycle. (This is a quick but long-term win).
Example 5: Create a "Sinking Fund" (Medium-Term "Stabilize")
Goal: To create a "sinking fund" for my annual car insurance.
S (Specific): I will save $1,200 for my car insurance premium.
M (Measurable): A $1,200 balance in a separate "Sinking Fund" savings account.
A (Achievable): I will set up an automatic transfer of $100 from my checking to this new savings account on the 1st of every month.
R (Relevant): To turn a large, stressful annual bill into a small, predictable monthly one.
T (Time-bound): In 12 months (by the next due date).
Your "Care Plan" Task: Use the Goals tab in your "Financial Patient Chart" spreadsheet to write your own S.M.A.R.T. goal!
The 'No-Judgment' Rule: Separating Your Self-Worth from Your Net Worth
It all begins with an idea.
You’ve just completed the first "triage" steps of your financial "Care Plan."
This means you’ve done something most people are terrified to do: you’ve looked at the "vitals." You've written down your Assets, your Liabilities, and you’ve calculated your first "Net Worth."
Now, let's talk about the feeling that probably came up when you did that.
For 99% of people, that feeling is not joy. It’s a mix of anxiety, frustration, or even shame. You might have had a thought like, "I'm a highly-skilled nurse, how is my Net Worth so low?" or "I can't believe I have this much debt."
As your financial educator, I want to tell you the most important rule of this entire program:
Your Net Worth is a "Baseline EKG," not your "Final Grade." Your Cash Flow is a "Vital Sign," not a "Moral Report Card."
In our society, we are taught to tie our self-worth directly to our bank account. We're taught that a high Net Worth makes us a "good" or "successful" person, and a low Net Worth (or high debt) makes us "bad" or "irresponsible."
This is the single biggest lie in personal finance.
Shame is a terrible "treatment plan." You cannot "shame" your way into building wealth. Shame just makes you want to avoid the problem, to stop tracking, and to "numb" the feeling with more spending.
Our "Care Plan" is built on the "No-Judgment" Rule.
From this moment forward, you are not the "patient" being judged. You are the "Clinician" or the "Financial Scientist" running the diagnostics.
When you track your spending in your "Spending Journal," you are not "confessing your sins." You are gathering data. When you look at your credit card's APR, you are not "looking at your failures." You are diagnosing the "bleed" so you can apply the right "treatment."
The goal of Financial Literacy for Nurses’ Module 1 was to get an accurate diagnosis. That's it.
The "patient" (your finances) may be "sick" (e.g., high debt, low savings), but you are not your finances. You are the skilled, intelligent "clinician" who is finally stepping in to create a "Care Plan" to heal it.
Leave the shame at the door. Let's get to work.
If you have yet signed up for the Financial Literacy for Nurses program, ENROLL here!
The "Financial Vital" You're Not Tracking: Your Savings Rate
It all begins with an idea.
In Financial Literacy for Nurses’ Module 1, we "charted" a lot of "vitals"—Assets, Liabilities, Income, and Expenses.
Now, I want to give you the single most powerful "vital sign" for predicting your future financial health. It’s the one number that determines, more than anything else, how fast you will build wealth and achieve your goals.
It's called your "Savings Rate."
What is Your Savings Rate?
Your "Savings Rate" is the percentage of your "Net (Take-Home) Income" that you are keeping for your "Goals."
It's the opposite of your "Spending Rate."
Here is the simple "diagnosis" formula:
Total Monthly "Goal" Money / Total Monthly "Net" Income = Savings Rate
Total "Goal" Money: This is all the money you're putting toward your "20% Bucket" (from the 50/30/20 rule). It includes:
All savings (E-Fund, Sinking Funds)
All extra debt payments (above the minimum)
All retirement contributions (like your 403b)
Total "Net" Income: This is your "take-home pay" (what hits your bank).
Why is This "Vital Sign" So Important?
Let's look at a "prognosis" for two nurses, both with the same $5,000/month Net Income:
Nurse A: The "Low-Rate" Prognosis
Income: $5,000/month
Spends: $4,750/month
"Goal" Money (Savings): $250/month
Savings Rate: ($250 / $5,000) = 5%
Prognosis: This nurse will "tread water" for their entire career. At a 5% rate, they are barely out-pacing inflation. They are saving, but it will take them decades to build a significant E-Fund or pay off debt.
Nurse B: The "Care Plan" Prognosis
Income: $5,000/month
Spends: $4,000/month
"Goal" Money (Savings/Debt): $1,000/month
Savings Rate: ($1,000 / $5,000) = 20%
Prognosis: This nurse is on the fast track to wealth. They will build their $1,000 "STAT" E-Fund in one month. They will pay off their "acute" debt in quarters, not years. They are building a "wealth-generating machine."
The "Treatment Plan"
The entire goal of your "Care Plan" (which we build in Module 2 of the program) is to increase your Savings Rate.
This is why we "triage" your "Variable (OT) Pay."
By creating a "Base Budget" for your "Needs" and directing all "extra" pay (OT, surplus) directly to your "Variable (Goal) Plan," you are surgically increasing your Savings Rate.
Your "Prescription": Don't be discouraged if your "Savings Rate" is 5% (or even negative!) right now. We are in triage. Our "Care Plan" is the "treatment" to get that number to 15%, 20%, or even higher.
This is the number to watch. It's your real "vital sign" for "Financial Wellness."
If you have yet signed up for the Financial Literacy for Nurses, ENROLL here!