Nurses to Riches

I was recently interviewed on the Nurses to Riches youtube channel about being a travel nurse practitioner and reaching financial independence. It’s a great channel to subscribe to because they have a lot of nurses go on to talk about their various career success stories!

Check out the video here:

Ending in Clearwater, FL

After working for 2 months in Clearwater, FL the NP I was covering came back from maternity leave. I worked with her for a few days so she could get adjusted since the clinic had opened right when she went on leave. She was a former traveling NP too so that was cool. You could tell since she was a quick learner.

I was asked if I could work in Holiday, FL for the remaining month of my assignment. The clinic is 30 minutes from where I was staying so I asked for gas reimbursement and was told yes. That clinic ended up being very well run. They were fully staffed and everyone worked efficiently. The staff was friendly and fun to talk to. The patients were really nice and straightforward. Also, the physician let me leave 2-3 hours early when I was done with my work – so of course that was awesome.

After being there for 1.5 weeks, my supervisor (medical director) asked me to change locations again. I didn’t want to go to the other clinic since it has a reputation for being a disaster. But he insisted the locums NP at that clinic needed extra help and that I would enjoy the challenging patients. My first day there, I told the other locum NP that I was there to help her. She said she didn’t know why since the medical director never told her I was coming, nor did she complain about being overwhelmed. In fact, when I looked at the schedule, there were only 4 patients that day, and no patients the next 2 days.

Side note: the other locums NP ended up being the same one I had worked with in Bradenton FL (See: Having other locums nurse practitioners). One I didn’t have a good experience with and figured wouldn’t be thrilled to see me. She initially gave me an attitude when I said I came to help. But after I explained to her her struggles at the clinic weren’t because of her but just that that place is a mess, she relaxed and confided in me. She told me the medical director there was trying to use her as his assistant. Like when he saw a patient and needed records, he told her to call the specialist office to get the records as if that is her duty.

When I went to the other clinic to help the other locums NP, I felt insulted when I learned they had a physician there that day that was only there to “babysit” us. He had no patients on his schedule, was just available in case we had questions. In my mind, I’m like ok this physician can help the locum NP see patients, why do I need to be here?

Shortly after, God answered my prayers and the medical director asked me to return to the clinic in Clearwater. They thought the NP that returned from maternity leave had an issue with her FL license (which ended up not being the case) so needed coverage there. My recruiter told the medical director that this would be the last time I am changing clinics. Because in my contract I was only supposed to work in Clearwater, and only agreed to switch to Holiday as a courtesy. Now within one day, they had asked me to switch clinics another two times.

Of course, by the time I got to Clearwater, they realized that the permanent NP there did not have a license issue after all. My recruiter messaged me and said the medical director said I can return to Holiday if I want. I think he got the point that I did not want to be at the other clinic. Everyone in Clearwater were happy to see me, and I was glad to see them too. So I decided I was going to spend the following day in Clearwater as well, to see one of my Spanish speaking patients. Then I would return to the Holiday clinic later in the week. That way, I could have the best of both worlds. And at the end of the day, apparently, I was the one calling the shots now since they had me running around like a chicken with no head.

The pro of this assignment is I was well-paid to do little work. The con of this assignment is that the clinics are new and need a ton of help. Would I return to this site? Possibly if I am going to one of the “good” clinics. Or maybe with one of their more established clinics in other states. Even though I was at the Holiday clinic for only one month, they are so sweet and surprised me on my last day. They ordered breakfast from Panera and bought me flowers, a card, and some of my favorite treats. And that my friends, is a wrap.

Working in Clearwater – Update

My first month working in this new geriatric clinic was great. But then things quickly changed. That’s why I normally wait until the end of the 2nd month to decide if I want to extend. 

One day the clinic manager told me the medical director said I would be on call one weekend in January. I told her I do not do call and will make sure my agency notifies the medical director. Which they did. That’s actually the first time as a locum I have ever been asked to take call.

Then one day HR announced that the locums NPs cannot see patients alone. There has to be a physician on site for billing purposes. That was random since the physician at my clinic had been on vacation for a week and I was working by myself the entire time. Everything went smoothly. Not to mention that I have an autonomous NP license in Florida. Normally to bill under the physician (very common for locums) they just add the physician’s name to the billing versus making sure the physician is physically in the building. Weird. 

Now working in January, it has been more challenging working in this clinic. Since they are expecting to have a lot of new patients in January and February, they changed the one hour appointments for new patients to 40 minutes. They are trying to get in as many new patients as possible. I mentioned before that the MAs take 1 hour for the intake with the new patients. This has been a struggle. It has been impossible to get them to cut that time in half. 

My first 2 days back from the holidays I was upset at work. I had a new patient scheduled at 3:30pm. The new patient visits typically take 2 hours long between them coming in late, filling out their new patient paperwork, the MAs intake, and their visit with me. There was no way I was going to finish on time at 5pm. Then the following day, I had an add on for a new patient at 11:20 am. There was no way I was going to make it to lunch at 12pm. I requested they move those patients, but I saw this as being a daily problem.

So I called the medical director and told him I wanted to change my schedule, because I did not want new patients being scheduled as the last patient of the morning and afternoon shifts. I could still see the same amount of patients but I wanted the new ones to be earlier. He said that the schedules are fixed for all of the PCPs so I could not change mine. He told me a lot of the other PCPs are also complaining but just to be patient while the clinic manager works on making the MAs more efficient. 

I think it would be better if they had the patients come in an hour early to have their intake completed by the MA, and then complete their appointments with the provider at their scheduled time slot. It’s all a work in progress since the clinic is so new. I hope they figure out the best system because we aren’t there as of yet. 

The following week, I was told that locums nurse practitioners couldn’t see new patients anymore. They wanted to bill under the physician so they wanted the locums nurse practitioners to only see established patients. Apparently, since they are a new practice, they are being closely watched by the state, so they have to do everything by the book. I felt bad for the physician in my clinic because that meant he was going to be busier. It benefited me since I no longer have the stress of seeing new patients, whose visits can take 2 hours or more. 

The work has slowed down again for me, I only see about 2-3 patients per day. One time I saw 5 patients and it was great. But I guess I can’t complain. Since the clinics are so new, there is a lot of work to be done. I am not sure what it would be like to work at one of their more established clinics, but I would be open to it in the future. 

Money Noticias Podcast

I had a fun time being interviewed for the Money Noticias Podcast a few months ago.

Check out the podcast episode below and let me know what you think!

How to Reach Financial Freedom and Millionaire Status as a Travel Nurse Practitioner with Sophia

Listen on Apple Podcasts: https://podcasts.apple.com/us/podcast/money-noticias/id1665412564?i=1000651747047

“In this episode of Money Noticias podcast, Sunem and Israel interview Sophia, a second-generation Haitian-American from Miami, FL. She has been a nurse for over 15 years and currently works as a Traveling Nurse Practitioner. She has worked in 10 different states and traveled to over 50 countries for leisure. Sophia became financially independent in her early 30’s and recently started offering financial coaching to her peers. In this episode you will learn: How Sophia achieved financial independence in her early 30s through her career as a nurse and traveling nurse practitioner. The importance of tracking expenses and investing in index funds for financial success. Sophia’s experience with real estate investments and being a landlord with her sister. Tips on travel hacking to travel on a budget and using credit card rewards for flights and hotels. Sophia’s approach to using money as a tool to live a life she loves, including taking sabbaticals and mini-retirements. Strategies for reaching financial independence and starting on the path to financial success.”

Having an F-You Fund

When I first became a traveling nurse practitioner, I remember easily profiting $30k from one 3-month assignment alone (after taxes and expenses). $30k was enough money to cover my expenses for one year. After having this amount in savings, I felt invincible. I no longer felt pressured to work to earn income. If I didn’t like a job or the agency wasn’t giving me what I wanted, I threatened to leave. And this was not an empty threat. Why put up with a stressful environment when I could afford to take time off?

Years later, I learned that there is a term for this. Those in the financial independence space call it an “F-You fund.” Once you have enough money in savings to cover your expenses for at least a year, you are more comfortable asking your employer for things you want. For instance, if you ask your employer for a 3-month sabbatical and they say no, in your head you say “F-you” and can choose to quit on the spot. You feel empowered to do what you want because you can afford it. At the same time, once an employer sees you do not NEED to be there, they are more willing to work with you.

For example, let’s say you want to work remotely and your employer says no. When you give your two week’s notice and your employer is surprised, they may be willing to work with you after all and grant your request to work remotely. Having that F-You Fund enables you to ask for what you want without being afraid of repercussions. The worst your employer can say is No, and if you do not want to accept their no, you have the option to leave.

Besides having 3 to 6 months of emergency savings, I think having a year’s worth of expenses saved up is very beneficial. It allows you to feel more empowered in the workplace. You don’t have that pressure that you NEED to be working in order to make ends meet. It provides a lot of freedom. It allows you the option to take a mini-retirement or go part-time for a certain period of time. It also makes people feel more comfortable asking for a raise. Having an F-You fund as a traveling nurse practitioner is powerful.

Restarting Telemedicine

In January 2022, I started working telemedicine on the side to prepare for my 3-month sabbatical. I ended up barely working telemedicine during my sabbatical because I was pretty busy. I then quit telemedicine in October 2022, because the pay structure changed from hourly to per patient. The platform wasn’t busy enough to see several patients per hour. So instead, you were technically “on call” and someone from the telemedicine company would text you if there was a patient waiting. This didn’t match with my standard of living so I ended up resigning. 

In 2023, when I took another 3 month sabbatical, I had more free time and sort of wished I had some per diem telemedicine work available. Since I was planning on taking November and December off for the holidays, I decided to apply for telemedicine work. I liked having the option to work a few hours a week if I wanted. Plus I wanted the option to work remotely in case I decided to live abroad while waiting for my boyfriend to get his US visa.

While in Colorado, I ended up finding a good telemedicine company to work for. I did the training on the weekends and picked up a few shifts to get familiar with the platforms. This company offered a mixture of synchronous and asynchronous visits, which I liked. Sync visits are video or phone visits. Async are messaging visits. The messaging visits are when the patient completes a questionnaire regarding a certain medical topic and you review their answers, message them for any clarifications, and then prescribe the medication. 

I was trained to work with 3 different companies on the platform. Initially I was a bit annoyed because each platform has their own guidelines to follow so it was time consuming to refer to the guidelines. For example, one company wants you to give a 90 day supply of medication without further refills while another company wants you to give a 30 day supply with 1 refill. Each company also has certain snippets you have to use during the visit, so you have to make sure you send the required snippets before, during, and after the visits. Eventually you get used to it and it doesn’t take too long. 

At first I was disappointed to learn how little they pay for the async visits. Depending on the company it can range from $6-10/async visit. The video sync visits pay pretty well at $20-27/visit. Eventually, you get used to doing the async visits that it literally can take 1 minute, so $6 per 1 minute of work is not bad. 

The nice part is you can just jump online and complete async visits whenever you want. In order to complete sync visits though, you have to schedule yourself ahead of time. I usually only schedule myself when there are incentives. For instance, on the weekends during busy hours the telemedicine company offers an extra $25-50/hour to sign up for shifts. So, I would get paid that hourly rate in addition to the per visit. Often this ends up being $100/hour.

Not bad to make $100/hour while in the comfort of your home. I am usually multi-tasking by reading, watching my show, or doing housework too. And I am happy to help patients get simple treatment for basic things like a UTI, yeast infection, or acne. The patients are very grateful and nice so it can be pretty rewarding. The video visits tend to be basic cold symptoms or rash. The async visits are usually chronic medication refills, ED, UTI, birth control, or herpes. 

So far it has been nice to make an extra few thousand dollars per month working telemedicine. I have been trying to use this income as “fun money”. Treating myself to things or others I normally wouldn’t. In 2024, I plan on spending a few months in Europe with my boyfriend again, so I will be glad to have the option to work telemedicine. This is great for when I want to be productive or keep up with my skills and make some extra cash to splurge. 

Sometimes I wonder why don’t I give up in person care and just do telemedicine because it is so easy…. I think if I ever come to the point that I do not want to travel for work anymore I would just transition to telemedicine part time.