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Being a healthcare professional for 14 years has been a rollercoaster.

I have been a part of incredible moments & I have also had some pretty devastating ones. Then came the pandemic & a pretty rough bout of burnout.

One thing that has shown up for me in cycles throughout my career is the awareness that I work in a broken system that values profits over patients. With that came an awful feeling that made me feel really stuck in that realization, like "wow, I really sacrificed my whole life for this career, got into debt to just end up here- overworking, undervalued & under living."

Can you appreciate this?

More devastating still was the realization that the holistic preservation committed & passionate healthcare workers like you and me are not worked into that business model.

& we deserve that + so much more.

We deserve safe staffing ratios, sustainable schedules, healthy & safe working environments & the space to process & rest from the physical & emotional toll of our work.

Especially post-pandemic- there is much-unprocessed trauma we are holding that may be manifesting in unhealthy ways.


It took some time & commitment to work on myself & some rewiring of my self-sacrificing tendencies to recover from burnout & gain clarity on how to continue working in healthcare in a way that would be enjoyable & also in a way where it preserved my stamina & longevity in my field.

I took stepped away from my career as a PA & took a burnout sabbatical. Although my husband and I were financially unprepared to lose my income, it forced us to get good with money & I immediately realized feeling immediate freedom from feeling stuck in an unhealthy healthcare job.

But I learned something even greater.

My awareness of a broken system did not dull my true love of the work, because I joined the profession for the purest reasons, to help people & leave this world better than I found it.
It was just so hard to see that while in the trenches.

Can you relate?

By organizing our finances well & making some doable sacrifices my stress level decreased significantly & allowed me to focus on my mental health & other ravages of healthcare burnout.

I connected the very real relationship between good mental health & being good with money.

& so began my odyssey into the world of personal finance.

It has truly become a passion of mine now & I read personal finance books for fun.


Organizing my money has been the gift that made me love my job again.

It has given me the space to say no to working at an unsustainable pace.

The freedom to leave toxic work environments.

& finally, begin to tackle that bucket list I used to dream about in PA school but never got the chance to get to because I was at work.

& so much more.

Where to Start

Here is where to start if you are feeling stuck in your healthcare job & want to learn how to organize your money to feel more freedom.

3 steps to implement today for more financial freedom.

  1. Break Free of the Self-Sacrificial Career Identity

  2. Financial Defense

  3. Pick up a finance book to read/listen to. Teach yourself Personal Finance with this Book List

Breaking Free of the Self-Sacrificial Career Identity

The very first thing to do is to consider that your job in healthcare can be the vehicle to fund your dream life if you utilize your income correctly.

Most of us have some level of emotional attachment to our roles as healthcare professionals because what we do is noble, it does help people & I like to think we do make the world a better place.

But also consider the ways in which this belief system has also hurt us, in terms of the way healthcare administrators use our compassion & willingness to do everything for our patients against us.

The truth is that we are so used to carrying the ultimate burden of responsibility for our patients. So that when the broken system fails to put patients first they we are the ones who correct for their administrative shortcomings, & we do it to depletion. Our burnout is a byproduct of a broken system from us having to constantly play defense in the name of our patients, against a system that does not prioritize them or us.

So this is your calling to remove your emotional attachment to your job & begin to look at everything you do at work transactionally.

This in no way means you care less about your patients or that it will require you to reduce the quality of your work.

It's actually the opposite.

This is simply a calling to examine the ways in which you may be depleting your finite amount of energy and focus, with dealing with responsibilities beyond your contractual agreement to correct for administrative shortcomings.

The goal is to eliminate this as much as you can so that you have more energy for what truly matters: your patients while they are under your care, your happiness & your life.

You get paid to do a job. & if you're anything like me, you will do it to the best of your ability, at the highest level for your patients while you're there.

Beginning the process of compartmentalizing your job & your life will help you to see yourself more as a human & less like just your title.

If you need a reminder of your humanity to ponder these questions:

What does your dream life look like?

What's on your bucket list?

If money was no option, how would you choose to spend your time?

Only then can you begin to shift your mind into utilizing your healthcare career & income to maximize your freedom & happiness & go for that bucket list now because tomorrow is not promised, baby!

Financial Defense

First & foremost make sure you optimize your mental health & regain your energy levels from burnout so that you have the bandwidth necessary to learn and implement these steps.

Financial defense in its essence is increasing the amount of money you save, which means reducing your expenses.

No, it doesn’t require unsustainable sacrifices, giving up your coffee house latte, or anything else that may give you anxiety.


All it means is that you have a look at your expenses, & see where you can be saving.

I like this strategy a lot, especially when starting out because financial defense is readily available to implement whenever you are ready, whereas financial offense (increasing your inflow of money) is not always as readily available.

Awareness of your Spending

You can start simply by looking at your expenses during the past month & seeing where you could be saving more.

Pay special attention to recurring charges, as these will give you a good idea of what to prepare for or eliminate completely.

Hit the Big 3

Budgeting can be a rabbit hole at times. It's especially difficult because they're difficult to keep updated.

Money moves a lot (I think that's why they call it cash flow) & budgets tend to be static whether they’re written down or on an excel spreadsheet.

I have found myself, making too many categories to keep up with, forgetting to update the ledger when I make purchases & other pitfalls.

This is why I love zero-based budgeting using a digital envelope system like YNAB (You Need a Budget)

If you're not ready to go down the budget implementation rabbit hole just yet, just use this

anti-budget budget to make a big dent in your financial defense strategy.

Keep things simple focus on reducing costs on the big 3:

  1. Housing

  2. Transportation

  3. Food