On Point CRNA

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On Point CRNA

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👋🏻 Hi, we’re On Point CRNA. Focused on helping CRNAs across the country achieve financial wellness 💉📚💰

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10/29/2026

Your insurance policies can add up to a big number and still leave an important gap.

Insurance Rate compares life, disability and personal liability coverage with simplified estimates of need. The average is only a starting point. Definitions, exclusions and who is actually covered still matter.

See how the score works and what CRNA households should review:
https://onpointcrna.com/insurance-rate-for-crnas/

10/27/2026

What does your lifestyle cost before the next financial goal gets a dollar?

Burn Rate compares annual personal living expenses with gross personal income. In the Elements method, debt payments, saving and taxes are tracked separately.

The useful part is a believable spending number. Include the annual insurance bill, the trips and the repairs that somehow manage to be “one-time” every year.

Read the guide and try the calculator:
https://onpointcrna.com/burn-rate-for-crnas/

If you want help finding a starting point, explore the Free Checkup:
https://onpointcrna.com/free-checkup/

General education, not individualized financial, investment, tax or legal advice. Personal circumstances and plan rules matter.

10/22/2026

Could you stay with the plan when the ride gets uncomfortable?

Even a hypothetical portfolio with perfect foresight faced painful losses along the way. The lesson for CRNAs: evaluate risk, costs and your ability to stick with an investment plan together.

Start with your goals, time horizon and capacity for loss—not the latest winning strategy.

Full guide: https://onpointcrna.com/even-god-fired-investing-crna/

Educational content, not personalized investment advice. Investing can lose money. Hypothetical results do not predict future returns.

10/20/2026

A second job does not automatically create a second employee-deferral limit.

Hospital 403(b) and Solo 401(k) employee deferrals generally share one personal limit. A 457(b) generally has a separate bucket, including both employee and employer contributions.

There is another rule worth checking: a 403(b) and the retirement plan of a business you control may also need a combined annual-additions test.

Before the year-end deposits, have the payroll and plan teams compare the full picture. Save the map and read the guide:
https://onpointcrna.com/403b-457b-solo-401k-limits-crnas/

General education, not individualized financial, investment, tax or legal advice. Personal circumstances and plan rules matter.

10/17/2026

CRNA pay is rising. Is your financial freedom keeping up?

A $20 hourly raise, working 36 hours a week for 46 weeks, adds $33,120 in gross annual income. That deserves a plan.

Otherwise, lifestyle creep will happily make one for you.

In this article, I break down the salary numbers, what to consider when comparing job offers, and how to give your next raise a purpose: more savings, more flexibility, or more time back.

Read the full article:
https://onpointcrna.com/crna-pay-demand-financial-freedom/

Credit to Marit Health, Dr. Rob Anderson, and Sandy Lewis, CRNA, whose reporting helped spark this article.

10/13/2026

Your debt balance is one number. Its claim on your income is another.

Debt Rate compares required debt payments with gross income. That helps show how much of the paycheck is committed before you fund the next goal.

The percentage is a starting point. Interest rates, payoff dates, reserves and student-loan strategy still matter.

Swipe through the framework, then run the calculator:
https://onpointcrna.com/debt-rate-for-crnas/

General education, not individualized financial, investment, tax or legal advice. Personal circumstances and plan rules matter.

10/08/2026

Before clicking “keep the same” on your retirement benefits, check what you are actually keeping.

Confirm the match, vesting, investment costs and current contribution elections. If you have a 457(b), identify the plan type and learn what happens when you leave.

Use your employer’s actual election window. This checklist is useful whenever you review benefits, not just during open enrollment.

Save it and read the plan comparison:
https://onpointcrna.com/crna-retirement-403b-vs-457-plans/

General education, not individualized financial, investment, tax or legal advice. Personal circumstances and plan rules matter.

10/06/2026

The higher hourly rate is only the first line of the comparison.

A W-2 offer and a 1099 contract need the same assumptions: paid hours, time off, insurance, retirement benefits, taxes and the costs of running the business.

Then consider schedule control, contract stability and how much administration you actually want to own.

The headline rate is easy to compare. The household outcome takes a little more work.

Use the guide to organize the decision:
https://onpointcrna.com/1099-vs-w2-for-crnas/

General education, not individualized financial, investment, tax or legal advice. Personal circumstances and plan rules matter.

09/29/2026

Strong numbers can hide disconnected decisions.

This hypothetical CRNA household had $555,000 in gross inflows and $1.12 million in assets. The missing piece was coordination between the business, payroll, retirement plans, taxes and investments.

Gross inflows include practice revenue before business costs. They are not take-home income. And the case study is a teaching example, not a promise of what another household will save.

Read the full walkthrough:
https://onpointcrna.com/1099-crna-financial-planning-case-study/

Want a clearer starting point for your own plan? Explore the Free Checkup:
https://onpointcrna.com/free-checkup/

Hypothetical educational case, not a testimonial, typical result or savings guarantee. Not individualized financial, investment, tax or legal advice.

09/24/2026

Would a bigger paycheck actually change your savings rate?

It depends on what happens before the extra money becomes ordinary spending.

Savings Rate measures repeatable saving. Under the Elements method used in our guide, employer contributions go into both the savings total and the income denominator.

Which habit makes saving easier for you: payday automation, a raise rule, or a monthly check-in? No account balances needed.

Formula and calculator:
https://onpointcrna.com/savings-rate-guide-crna/

General education, not individualized financial, investment, tax or legal advice. Personal circumstances and plan rules matter.

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Detroit, MI

Telephone

+15862770722

Website

https://link.heropost.io/OnPointCRNA

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