Blog
W-2 vs. 1099 for CRNAs: Running the Real Numbers
W-2 or 1099? We run the real numbers for CRNAs: take-home pay after taxes and benefits, the break-even 1099 hourly rate, and how to compare offers.
Build the Exit Ramp Before Burnout Builds It For You
A 2025 AANA review found that burnout runs as high as 72% among CRNAs, depending on practice setting. For many of you, it’s a matter of when, not if. Most CRNAs who hit that wall don’t have an exit ramp. They have a paycheck they can’t afford to walk away from.
Most CRNAs who hit the burnout wall don’t have an exit ramp. They have a paycheck they can’t walk away from. Here’s how one extra shift, a few traded PTO weeks, and the right account order can build your way out early, on your terms.
1099 vs. W-2: Which Work Structure Wins for CRNAs?
W-2 or 1099? Compare taxes, retirement accounts, and benefits for CRNAs, and learn how to calculate which structure actually pays you more.
For most CRNAs, the choice between W-2 and 1099 gets made by default. But your pay structure shapes your taxes, retirement savings, benefits, and long-term wealth. Here’s what each one really costs, what it earns, and a simple framework for deciding which fits your life.
Your FI Number: How Much Do CRNAs Need to Walk Away? (The 4% Rule and the Trinity Study)
How much do you actually need to leave the OR for good? It isn't a guess or a feeling. It's a number. Find yours...
Northwestern Mutual's 2025 study found that Americans believe they need $1.26 million to retire comfortably, and most fall far short. CRNAs are in a better position than most to beat those averages, thanks to high income and a strong ability to save. That only works if you know your number.
The CRNA Moneymoon: Why Your First Few Years of Pay Shape Your Whole Career
You'll graduate broke, and then a paycheck lands that's bigger than anything you've seen before. What you do in the next 12 months will quietly set the course of your whole financial life.
In this episode, Leland Murren, CRNA, introduces the Moneymoon. Like a honeymoon, it's the exciting phase that follows a major life change, in this case passing boards and starting practice as a CRNA. It lasts 1 to 5 years, and it's the best window you'll ever have to maximize a large gap between what you earn and what you spend.
The Solo 401(k): The $72,000 Retirement Account CRNAs Aren't Maxing Out
Your employer says the 401(k) limit is $24,500. For self-employed CRNAs, the real ceiling is $72,000. That's nearly triple.
In this episode, Leland Murren, CRNA, breaks down the Solo 401(k), which may be the strongest wealth-building tool in the tax code for 1099 CRNAs, locums providers, and anyone with self-employment income. If you pick up even a few 1099 shifts on the side of a W-2 job, this one's for you.
Your First CRNA Paycheck: The 10-Step Order of Operations
Your first CRNA paycheck hits your account, and for about 30 seconds you feel like the richest person you know. Then the student loans, rent, and car payment come calling. Nobody teaches you what to do next. Until now.
In this episode, Leland Murren, CRNA, lays out the First Paycheck Protocol: a 10-step order of operations that tells you where each dollar goes, and in what order, before you spend it. It's built for the CRNA pay landscape, not generic money advice. The sequence works whether you're a new grad, an SRNA close to graduation, or years into practice and ready to reset.
Why I Started a Podcast — And Why You Can’t Afford to Miss It
You earned the hardest credential in nursing, but statistically there's a 70% chance you don't have a real financial plan. In this first episode of The Financial Cocktail, Leland, a self-made millionaire and locum CRNA, explains why high earners still struggle with money and why most financial advice was never built for CRNAs.
Is CRNA School Actually Worth It: The Brutally Honest ROI Analysis
Everything has a cost, especially CRNA school. In this entry, I explain the return on investment of becoming a CRNA. How age, location, program, and lifestyle influence the ROI on becoming a CRNA. What’s the break even point on what is probably the greatest opportunity cost decision of your life? Is it right for you?
Can You Work While in CRNA School? Here's the Honest Answer.
Is it possible to work while in CRNA school? Is working a good idea? How does work clash with the demands of CRNA school? There are many considerations including your academic horsepower, clinical rotations, resilience, and financial situation. These are all great considerations answered in this entry.
How Much Does CRNA School Actually Cost — And Is the ROI Worth It?
CRNA school costs way more than the tuition advertised on the program website. I have four categories to consider when applying for CRNA school. At the end of the day, it’s about achieving the degree and board certification. The costs incurred along the way vary from tuition costs, clinical costs, facility fees, loan interest, years dedicated to school, and missed RN wages. The opportunity cost is high, but there is hope with current CRNA wages.
Which ICU Actually Prepares You Best for CRNA School? The Honest Breakdown
When applying for CRNA school, where you worked matters. Your experience is everything. Not only ICU experience, but which ICU. Cardiovascular? Medical? surgical? Neuro? What about applying with emergency department, pediatric, or med-surg experience? Find out everything you need to know about where you need to work to set yourself up for CRNA success.
What to Ask at Your First CRNA Job Interview
A practical guide for new grad CRNAs on how to evaluate a job offer before signing. Covers scheduling, call structure, anesthesia model, compensation, benefits, culture, and contract red flags. This is a two-way interview, not just a performance.
How to Build a CRNA School Application That Actually Gets You In
The difference between accepted and rejected CRNA applicants usually isn't one big thing — it's dozens of small decisions made before the application opens. This guide covers ICU experience, personal statements, letters of rec, shadowing, and interviews in honest detail.
More Autonomy or More Money? Why RNs Choose CRNA — and Whether It Actually Delivers
Most RNs considering CRNA school are chasing money, autonomy, or both — but few are honest about which one is really driving the decision. This post breaks down what the CRNA path actually delivers, and what nobody in the forums tells you.
Locum CRNA Income Case Study
Find out what a Midwest locum CRNA earned in 2025. This is a case study on locum CRNA earning potential and maximizing 1099 status. Utilizing an S-Corp LLC allowed for $100,000 in tax savings. This CRNA didn’t focus on a low tax rate, but rather maximal investment potential.
Why Traditional Financial Advice Doesn't Work for CRNAs
Generic financial advice ignores your late start, massive debt, and high tax bracket. Here's the playbook built for your actual situation.
The Financial Advice CRNAs Don't Want to Hear
High income doesn't guarantee wealth. Discover the uncomfortable financial truths every CRNA needs to hear — and the steps to get ahead of them.
False Blockades to Wealth Building
Many CRNAs obsess over tax strategy, employment classification, and the perfect investment vehicle — but these are largely false barriers to wealth. This post cuts through the noise on 1099 vs W-2 status, debt payoff vs investing, index fund selection, and budgeting systems, arguing that savings rate and consistent action matter far more than optimization. With a high CRNA income, financial independence is achievable in years — if you stop making excuses and start executing.
Market Correction or Regime Change? 5 Indicators Every Investor Should Watch Right Now
Is the 2026 market pullback a routine dip or the start of something bigger? We break down five key indicators — the 200-day moving average, VIX, Dual Momentum, the Sahm Rule, and credit spreads — to help you read the trend before it reads you.