#73: Coast FI for Nurses: The Number that You Need So You Can stop Grinding

#73: Coast FI for Nurses: The Number that You Need So You Can stop Grinding

Author: Ellaine Maala May 4, 2026 Duration: 14:40

Coast FI Calculator: https://nursingflowsheet.com/coast-fi-calculator-financial-freedom-for-nurses/

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I explain Coast FI for nurses—the point where you’ve invested enough that, even if you stop contributing to retirement accounts today, compound interest can still grow your portfolio to a full retirement by age 65—so you’re done “over-saving” and only need to cover current expenses. I share how hitting my Coast FI number in 2023 changed my relationship with work, helped me leave bedside, reduce hours, and pursue a part-time side hustle. I walk through my free Coast FI calculator built for nurses (no opt-ins), including the inputs (age, retirement age, annual retirement spending, invested assets, contributions, expected return, and safe withdrawal rate) and how it shows your Coast FI progress and target. I also describe how knowing your number makes decisions easier, lowers anxiety, and improves money habits, and I invite you to run your numbers and comment your results.

00:00 Millionaire Without Contributing

00:54 Coast FI Explained Simply

01:51 Why Nurses Need Coast FI

05:24 Nurses Are Closer Than They Think

 05:53 Free Coast FI Calculator

 06:45 Calculator Inputs Walkthrough

10:09 Reading Your Results

11:29 Coast FI Changes Everything

13:44 Run Your Numbers Now

Connect with me: Instagram: http://www.instagram.com/nursewhoinvests

Website: https://nursingflowsheet.com/

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Ellaine Maala, a registered nurse and finance educator, hosts the Wealthy Nurse Podcast: Money, FI, Investing for Nurses. She speaks from a place of genuine understanding, navigating the unique financial pressures and irregular schedules that come with a nursing career. This isn't about generic money advice; it's a focused conversation on building security and freedom specifically for healthcare professionals. Episodes delve into practical strategies for investing in stocks and real estate, alongside exploring entrepreneurial paths for nurses looking to create their own businesses. The dialogue centers on achieving financial independence-whether that means designing an early exit from traditional work or gaining the confidence to continue in a beloved career without monetary stress. Through straightforward discussions and relatable stories, this podcast provides a resource for nurses ready to transform their financial knowledge into tangible wealth. It’s a space where clinical expertise meets financial literacy, all aimed at expanding what’s possible for nurses beyond their shifts.
Author: Language: English Episodes: 50

Wealthy Nurse Podcast: Money, FI, Investing for Nurses
Podcast Episodes
#83: being wealthy is not strategy.. it's identity (let me explain) [not-audio_url] [/not-audio_url]

Duration: 16:31
Wealth Isn’t a Strategy—It’s an Identity (Money Mindset for Nurses) I share a personal lesson that took me years to understand: being wealthy isn’t just about strategies—it’s an identity shift. Even if you know what a Ro…
#82: Money Advices I hear that are BAD for nurses [not-audio_url] [/not-audio_url]

Duration: 15:54
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#81: Where to Invest your Money as a Wealthy Nurse (in order) [not-audio_url] [/not-audio_url]

Duration: 20:01
In this video, I explain why the order of investing matters for nurses with limited monthly income and outlines a five-step framework that prioritizes free money, tax-advantaged growth, and then taxable investing. 00:00…
#80: 5 MONEY habits that I wish I knew in my 20s as a Nurse [not-audio_url] [/not-audio_url]

Duration: 16:09
In this video, I shared five small “boring” habits she built in my early 30s that shifted myself from feeling anxious about money to feeling calm and financially free, emphasizing that strategy fails without habits. Thes…
#79: Types of FI (Financial Independence) and How you can pick yours [not-audio_url] [/not-audio_url]

Duration: 20:59
5 Types of Financial Independence Nurses Should Know (Find Your Real FI Number) Ellaine, a nurse with over 15 years of experience behind Nurse Invests, explains that many nurses chase the wrong retirement number because…