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This law passed in 2019 and went into effect 1/1/20. It was originally created to allow gig workers for Uber and Lyft to earn benefits as employees of their company. As a result, it affected other independent contractors and requires companies to reclassify them as employees. There were some exceptions such as physicians, but of course nurse practitioners and physician assistants were left out of this list of exceptions.

Unfortunately, that means nurse practitioners can no longer practice in California as sole proprietors. We can only practice there as W2 employees. That means, even an agency that usually pays their travelers as a 1099 contractor, now has to pay their employees as W2 workers when they work in California.

This has created a lot of problems for nurse practitioners in California. Many providers prefer working as a contractor because you are able to deduct a lot of expenses on your taxes. Several agencies teamed up to advocate for nurse practitioners and have them added to the exemption list. So far this has been unsuccessful.

Since I was looking to work in California for the beginning of 2021, I was interested in working through an agency that pays us as 1099 contractors. For the reasons mentioned above, this won’t be the case.  And since the agency will have to pay me as an employee, that means less pay since they are required to offer benefits. It also means that they can no longer provide me with a housing stipend, but only a reimbursement.

For one assignment, I was originally being given a $3500/month housing stipend. I was planning on renting a place that cost $2500/month and pocketing the rest. This will no longer be possible since the agency is converting all contractors to employees by 1/1/21.

Hopefully nurse practitioners can be added to the exception list eventually because this is such a disappointment and will defer myself and other nurse practitioners from practicing there in the future.

I started this blog over 5 years ago when I first became a traveling nurse practitioner. At that time, I couldn’t find much information on how to become a traveling nurse practitioner and how it deferred from travel nursing as an RN.

I decided to start blogging to document my experiences working in different settings and to help other nurse practitioners get started in traveling. I have also used this blog to vent about my frustration working in modern day medicine. I have to admit – it has been quite therapeutic.

Some of my close friends and family read my blog which I appreciate. And of course, there are hundreds of fellow nurse practitioners that read it too. I love getting feedback from you, especially if you’ve had similar experiences to me. Sometimes it takes someone working in the same field to get it…

I love receiving emails from my readers with questions or recommendations to get started in this arena. I especially like getting follow up emails months later when you’ve started your journey.

I’ve had many readers offer to meet up with me while traveling close to them. I usually travel alone so I deeply appreciate this warm gesture. It’s been nice to form a bond with other nurse practitioners just from having a similar interest in travel.

Thank you for your support and I am looking forward to many more years of blogging! If there are any topics you would like me to cover and revisit, please let me know in the comments below.

I am writing this still on a high from my last day at the Bradenton clinic. I am just so grateful for my experience there. The patients were so sweet and the staff so friendly.

On my last day, dozens of patients passed by to give me gifts or just to say goodbye. They wrote the nicest things in their cards. It blew my mind that I made such an impact on them in the just the past 3 months or less. I felt myself trying to keep my distance from patients in this setting to prevent becoming attached to them. But as a nurse, caring for them is inevitable.

My care team surprised me with an edible arrangement. They were such a good team and I will keep in touch with them. The center manager provided the entire clinic lunch from a Japanese hibachi restaurant which was delicious. At the end of the day, we gathered together for a little party in the clinic.

My boss presented me with a gift and said a speech about how much they appreciated my help. The speech really touched me because he literally said “I don’t know how we would have survived these past few months without you. You did such an incredible job taking care of your patients, they trusted you in such a short amount of time.”

Afterwards, everyone had some wine and we did a little karaoke. It was hilarious. One of the doctor’s sung “The End is Near” as a representation of the mood. My boss asked what he should sing and I jokingly said Andrea Bocelli. The next thing I know he is singing Andrea Bocelli but in the most miraculous way. Turns out he sings really well!

At the end, no one wanted me to leave. They begged my boss to make me stay. He told them I already turned down his offer to become permanent. The doctors joked that they will make sure one of the new doctors gets pregnant quickly so I can return to cover the maternity leave.

I feel so blessed for these experiences! As always, leaving is bittersweet.

While I was working in Florida, I received a letter in the mail from the Board of Nursing (BON) in Kentucky. It stated my Kentucky license was under review because I failed to register for a Kasper account (controlled substance monitoring system) while holding a DEA license in KY.

When I first started working in KY, I began the process of registering for a Kasper account. However, I noticed that you had to get the application notarized. Since the lead LPN had Kasper access at the clinic, he would normally look up patients for the providers and print us the report. Thus, since I thought I would only be there for 3 months, I didn’t complete the Kasper application.

Apparently, it is a BON requirement to have a Kasper account while holding a DEA in KY. I had to submit a notarized letter stating I am no longer practicing in KY and my DEA license has been transferred to FL, with proof. I submitted this documentation as soon as I could.

In the meantime, my agency had to notify my current job about my license being under review. It was a bit embarrassing because it was the same site as in KY and such a trivial reason. Fortunately, it did not impact my current assignment.

While looking for my next assignment it has been a bit of a nuisance to have this over my head. For example, multiple agencies have done a search on my licenses and requested documentation to support the reasoning for the investigation on my KY license. In addition, when doing credentialing I had to select “Yes” when they ask “have any of your state licenses ever been under investigation.” This caused a red flag for my upcoming assignment because they are strict when it comes to those things, regardless of how trivial the reason is.

It took almost 2 months for the BON to review my documentation to resolve the review of my KY state license. They sent me another letter stating I need to pay a $250 fine for not following the BON rules. Once I paid the fine and signed the agreement, the investigation was resolved. They also stated in the letter that this wasn’t an official complaint so I do not need to report this to other states when applying for licensure or to future employers. This was great news since I no longer had to answer “Yes” when they ask “have any of your state licenses ever been under investigation.”

A reminder to myself and others is to always read the Board of Nursing rules and regulations thoroughly. Since I hold over a dozen state licenses, sometimes it’s difficult to stay on top of things, especially when you are transitioning from job to job (or from state to state) so quickly. I have to remember that each state is so different when it comes to nurse practitioner autonomy and regulations.

The majority of primary care offices had to convert to telemedicine visits once Covid became a pandemic. The geriatric clinic I worked for initially made 95% of appointments telehealth. As covid cases started to decrease, we increased the amount of in office appointments. Our patient population is high risk so we wanted to do this gradually.

I have not worked solely for a telemedicine company, but I did use telemedicine in my normal practice. It was an interesting experience since my patients were mostly 65 years old and older. We had to teach them how to use their smart phones and talk with us via facetime or apps. Eventually, we were able to create our own telemedicine software. This was pretty easy as we just sent the patient a link via text and once they clicked on the link we were able to communicate via video.

Some challenges included that some patients only had a landline or a flip cell phone. So they had no means to do a telemedicine consult. We did phone visits with them but these weren’t ideal because it was hard to tell if a patient was short of breath or in fluid overload without seeing them.

Now that we are doing a mixture of telehealth and office visits, sometimes it is difficult to stay on schedule. The office visits sometimes run longer than planned so we end up having to call the telehealth patient 30 minutes late. I also noticed that the medical assistants aren’t used to having patients in the office. They often don’t complete all of the vital signs (only blood pressure no weight, or glucose missing etc.), and I have to constantly be on top of them.

The positives are that thanks to covid, we will likely continue to incorporate telemedicine into our care. Some patients do not need to come in to discuss lab results or to follow up on their depression. The 20 min office visit can be replaced with a 5-10 minute telehealth video session. High risk or “needy” patients can be checked up on frequently via telemedicine visits too.

The “no-show” rate has declined as we are able to reach our patients more easily via phone. This is especially helpful for hospital discharges that are “too tired” to come into the office for a follow up.

What have your experiences with Telemedicine been like?

I was listening to a podcast the other day about a seasoned travel nurse. She said her favorite thing about travel nursing is the freedom to choose her work environment. I thought that was such a powerful statement.

As a traveler we can choose a job that allows us to see a fair amount of patients so that we do not become overwhelmed and can provide good care. We have the option to decline a job that requires us to see 30 or so patients per day.

As a traveler, we have the opportunity to decide if we want to work in home health temporarily or pick up some skills in urgent care. We can also choose to work at a site that has other providers if we are not comfortable working in a solo practice.

It’s crazy how people start working at a full-time job and are completely in the dark about work expectations. Being a locums allows us to test drive a job before signing on permanently. Since most assignments are 3 months or shorter, we can elect to stay longer if we enjoy the job. Or we can move on if we were not into the office politics.

Thus, I agree with the travel nurses’ above statement. Being a traveling nurse practitioner provides us with autonomy and the freedom to choose. 

Having worked in over 20 different healthcare settings – I wonder, is there such a thing as a perfect job? I’ve had quite a few jobs that were amazing. The clinic in Maine; the community health center in Washington; the employee clinic for American Airlines; and perhaps even the geriatric clinic in Virginia.

The thing with the geriatric clinic in Virginia, is that the company continues to expand, and with that comes micromanagement. I guess in order for a company to flourish, they need to make sure their mission and goals are aligned and enforced. Although I have continued to work for this geriatric clinic, I have started to become turned off by the micromanagement.

Take for instance my current position in Florida. I enjoy working at the clinic. The patients are very nice and appreciative. The staff is friendly and communicative. My schedule had been fair until I started to be overbooked.

The PCPs should see 18-20 patients per day, as these are all follow ups. Considering I don’t know these patients, I should only be seeing about 14-15 patients per day. One day I saw 21 patients. I was furious because my schedule was full and they still expected me to help with walk-ins. I discussed this with my supervisor and he told me to meet with the front desk daily to review my schedule.

I normally do this, but when I left the day prior I only had 10 patients scheduled and returned the following day with 17 patients scheduled. The staff stayed late that day to add more people on my schedule to meet the rubrics (if they were beyond a 30-day appointment etc.). Even though I have told the front not to double book me several times, there are often double bookings on my schedule and the front desk leadership insists that those patients HAVE to be seen.

Almost every day there is a New Patient that walks in to be seen for an acute visit. Meanwhile, management expects us to do the entire full new patient work up (labs, EKG, screenings etc.) even though this patient doesn’t have an appointment and we are fitting them in in between patients. Management keeps track of what percentage of patients are missing annual labs and screenings per PCP and displays them at weekly meetings.

At this company, everything is being micromanaged. From how many patients a day you are seeing, to how many of your patients are in the hospital, to how many referrals you are placing each day, to how many flu shots you are giving, to how much your patients enjoy coming for their visits etc.

Anyways, the point of this blog post is to remind myself why I would want to retire early. I enjoy working in healthcare and helping patients but I am not a fan of the business side of healthcare. I am not a fan of being micromanaged and having to meet all of these metrics. And I do not like having no control over my own schedule. I know the quality of care I give is good, and I don’t need all of these metrics to prove it. Unfortunately, if healthcare in the USA continues to be a business, they will lose a lot of good providers.

My family often asks when am I moving back to Miami. In that case, I would need a permanent job. Over the past 5 years of doing locums, I have been close to accepting a permanent job twice. However, the risks always outweighed the benefits, so I didn’t move forward with them. I figured I would eventually have to settle down and wasn’t looking forward to it.

Fast forward to me discovering F.I.R.E. (Financial Independence Retire Early) late last year. The best part is that reaching financial independence and possibly retiring early wouldn’t require me to take a permanent job – ever!

I can continue to work as a traveling nurse practitioner and save at a high rate. Once I choose to retire early, I can still pursue locums assignments for short periods of time.

In the mean time, I have become very picky about which jobs I choose. I have worked at over 20 different sites being a traveling nurse practitioner. I know which jobs are ideal and which are not. Since I am financially secure, I have the power to turn down a job that I do not think is the right fit for me. Even if I have to wait around for a few weeks without work, that’s fine, since I would rather have a job I enjoy then one that I hate just to produce income. 

In my last post I discussed the growing FIRE movement. As a millennial I always had a hard time envisioning myself working from 9-5pm for the rest of my life. I was thrilled to stumble upon the FIRE movement. And like most people, it took me a while to realize and accept that I could achieve FIRE as well.

I only discovered FIRE at the end of last year, and have already calculated that I will reach my FIRE number in 3 years! I will be in my early mid-thirties at that time. Apparently, I have been doing everything right this entire time. Being a traveling nurse practitioner has enabled me to save 85% or more of my salary each year. I max out all of my retirement accounts each year as well. I invest my savings in real estate and in the stock market.

It’s funny whenever I mention to the physicians at work that I will be retiring in a few years… they look at me as if I am crazy. They seem so burnt out and cannot fathom that there can be a light at the end of the tunnel. I think they all assume that they HAVE to work until their 60’s or 70’s. There may even be a stigma for a physician to retire early. As I have heard – “why retire early when you spent so much time in school to become a physician?”

I have started to think about what I will do once I retire early. For me, the most important part is being able to see my family on a regular basis. Not once a week after being exhausted from work type of family time. My siblings are going to start to have kids, so I want to spend as much time as possible with my nieces and nephews. My parents and grandparents are only getting older so I want to create many more memories with them too.

Of course, I love to travel, and will continue to travel abroad with my free time. I already travel hack as mentioned in previous posts, so this is completely affordable. I will also have the opportunity to spend more time volunteering abroad such as in Haiti, providing medical services for free.

I often wonder if I will actually retire once I hit my FI number. I think I may work just 3 months out of the year doing locums. This will be more than enough to cover my yearly expenses – and I won’t even have to touch my savings yet. I remember when I worked in Washington, there were traveling nurse practitioners that worked at my site 3 months on and 3 months off. They were partially retired and lived in Canada. They just came to work to keep up with their expenses and have something to do.

Join the FIRE movement! Even if you are already in your 50’s, it’s never too late to work on retiring even earlier than planned.

At the end of last year, I stumbled upon the FIRE movement. FIRE stands for financial independence and retire early. I saw a Youtube video about a couple that retired at 40 years old even with two kids. I thought that was incredible and started watching their Youtube channel (Our Rich Journey) to see how they did it. They talked about how they cut down their expenses, increased their savings, and invested in real estate and the stock market.

I felt like I was already doing all of those things but didn’t see myself being able to retire early. I then started to read some blogs about the FIRE movement such as Mr. Money Mustache – he is famous for retiring at 30 years old so he could spend all of his time with his newborn son. I also started listening to podcasts about achieving FIRE such as Mad Fientist and Choose FI.

I was amazed to see how so many people were able to retire early in their 30’s, even with average incomes. I also learned the difference between financial independence and retiring early. Financial independence is when you have enough money saved up through investments, that you could live off of for the rest of your life if you want to. Your FI number is when you have achieved 25x your annual expenses. Once you reach your FI number, you can choose to start working part time, or even quit your job to start the business you’ve always wanted to. The point is that becoming financial independent gives you options.

Some people refer to having enough money saved up for a few years as “F*** You” money. So for example, let’s say you have always wanted to work from home but were too afraid to ask your boss. Once you have “F – You” money, you are able to take on more risk. Since you have enough financial cushion, you can now ask your boss for things you want without the fear of being fired. I realized that I have personally always had “F-You” money myself, and relied on it when I didn’t like a travel assignment and didn’t feel the need to stay.

The word retirement has the old connotation of being 65 years old or older and lying at a beach doing absolutely nothing. In the FIRE movement, retiring early is when you quit your job and decide to spend your time doing other things besides working. Some early retirees travel the globe year-round, others pursue artistic or sporty hobbies, while some just love being a parent 100% of the time.

The nice thing about FIRE is that once you achieve your FI number you don’t HAVE to retire if you don’t want to. So if you truly enjoy your job and don’t want to quit working in your 30’s or 40’s, you don’t have to. But let’s say you have kids; you can make the decision to work part time or even per diem since you now have the financial independence to do so.

In my next post, I will talk about my own personal FIRE journey.