They earn $3.7M a year... and still feel broke. 😳

Nurses, let this be an example of what NOT to do

Author

Jason Nunez
March 30, 2025

Hey nurses ,

There’s a couple in Alpine, New Jersey—a corporate attorney and a CIO—who earn a combined $3.7 million a year.

They’re 37 and 39 years old.
They live in a gorgeous home.
Their kids go to private school.
And every month… they’re left with just $2,390.

Let that sink in.

Let’s see where their money goes…

Monthly Net Income: $77,180

Monthly Expenses: $74,790

Here’s where the money goes:

Category

Amount

Coach’s Commentary

Mortgage 🏠

$29,500

Eats up 40% of their income. If one loses their job, they’re in serious trouble.

Nanny 👶

$10,000

Paying someone else to raise the kids just so they can keep working to afford… the nanny.

Dining, Fun, Shopping 🛍️

$14,000

A full down payment every month—spent. Pausing this for 3 months would double their current savings.

Private School & Tutors 🏫

$5,500

Great education, but risky when the parents are one bad month from financial ruin.

Trainers, Cleaners, Lawncare 🧼

$5,600

Outsourcing everything except their finances.

Cars (Lease, Gas, Insurance) 🚗

$3,440

Luxury cars, zero cushion. We made this mistake with out $76,000 Volvo XC90—never again.

Miscellaneous 💥

$4,000

“We don’t know where it went” isn’t a budget. It’s a problem.

Leftover After Spending

$2,390

Not even 5% of their income. One surprise bill and they’re in the red.

Savings

$30,000

Not enough for even two months of expenses.

Mortgage Debt

$5.2M

They don’t own the home—the home owns them.

This couple brings in $77,180/month and only has $2,390 left after expenses.
They’ve got $30K in savings, and they’re sitting on a $5.2M mortgage.

It’s not a spending problem. It’s a discipline problem.

This isn’t how wealth is built.
This is how people with high incomes stay stressed and stuck.

Now let’s talk about nurses.

Most nurses aren’t making $3.7 million (yet 😉),
but if you’re like most nurses…

  • You’re working 36+ hours a week

  • Still feeling broke or behind

  • And wondering if more money would finally fix it all

Here’s the truth:

Making more money does help.
But only if you keep control of your finances.

What we did differently:

When Monica and I moved from NYC to Northern California, we were drowning in debt:
$128,000 worth—gone in under a year.

But now…

✅ We earn a combined $300K+/year
✅ Work less than 20 hours/week
✅ Spend 24% of our income on our mortgage
✅ And have time and money to spend with our son

The difference is that we didn’t just earn more.
We worked smarter, picked the right hospital, and tracked every dollar.

What this NJ couple forgot—and what you can learn:

✔️ Income without strategy = stress
✔️ Big salaries mean nothing if your savings are smaller than your Amazon bill
✔️ Lifestyle creep can hit anyone—if you’re not intentional

Do you want to make more as a nurse?

I built the Nurses to Riches Accelerator to help you:

🔹 Relocate to Northern California the smart way
🔹 Secure a high-paying hospital job (we’re talking $200K+ a year)
🔹 Learn to calculate your real take-home pay
🔹 Work fewer hours—without sacrificing income
🔹 Start investing + paying off debt like a boss

I’ll even show you how to compare hospitals, filter by pay and shift type, and fast-track your move so you’re not spinning your wheels for another year.

Use code LOYALTY10 for 10% off the program

Your future paycheck is waiting on the other side of strategy.

You don’t need to make $3.7 million a year.
You just need a plan.

I’ll help you build one—together.

Talk soon,
Jason

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