#79: Types of FI (Financial Independence) and How you can pick yours

#79: Types of FI (Financial Independence) and How you can pick yours

Author: Ellaine Maala June 28, 2026 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 they don’t realize there are five different versions of financial independence, each with different timelines and targets. She defines FI as having investment income cover living expenses and introduces the 25x rule, then breaks down 5 types of FI. She encourages viewers to pick the FI type that matches their ideal life, calculate their numbers, and share their goal, and invites nurses to a free upcoming workshop.  

00:00 Stop Chasing Wrong Number

01:39 What Financial Independence Means

03:16 FI #1 Explained

05:09 FI #2 For Nurses

07:39 FI #3 Part Time

10:46 FI #4 and Tradeoffs

13:31 FI #5  Halfway Hack

15:44 Choose Your FI Type

18:57 Action Steps And Workshop

20:38 Final Encouragement  


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
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