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Keep your Wealth, Nurses

Hear More Nurses’ Success Stories


Keep your wealth, Nurses

Learn best practice ways to retain what you earn…

Money Software To Try!

Keep Your Wealth Tips

5 Best Tips for New Grads & Working Nurses

1. Find your Purpose

Saving is a challenging habit to build and finding out why  you’re saving will help you stick to the goals.

2. Save Now

You can’t save anything if you don’t take action now. Starting early also means accumulating bigger savings at the same age goal than starting late.

3. Envelope Budgeting

A beginner-friendly way to manage money by allocating a budget for the need (should pay ASAP), savings  (for future), and for wants (be reasonable).

4. Track Expenses

A good indicator that you are indeed saving the right amount is by tracking/listing your expenses. This is getting on top of your money.

5. Set Funding Goals

It is great to have a clear target of how much you want to save and what you can save so you can fixed your eyes on it.

6. Diversify Wealth

Do not put your eggs in one basket. Investments  are a great way to maximize the potential reach of your wealth along with applying to Government programs (be mindful of this).

7. Get a Financial Advisor

When in a dilemma, it’s best to consult a financial advisor regarding how you can effectively manage your wealth.

8. Practice Auto-Deductions

A good way to train your mind to save is by auto-paycheck deductions. You worry less of calculating the numbers as they are deducted fixed and you get to treat saving as a need . But do keep track of these deductions and be mindful of your withholdings.


Sept 22


Sept 22, Wednesday with guest Juliana Silva

Sept 23


Sept 23, Wednesday with guest Juliana Silva

Sept 24


Sept 24, Wednesday with guest Juliana Silva

Meet our Wealth Advisor

As part of our promise to support your journey, our trained and licensed tax professionals look forward to speaking to you about your taxes and how to address your specific needs.

About Delilah

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Why We Love These Money Software


Acorns puts your investment and online savings strategy on autopilot. Instead of letting you decide how much to spend on your portfolio, the app silently invests $1, $3, or $5 a month. And every dollar goes towards professionally selected financial products. Acorns also offers debit cards that can be used to invest change and pay fees at over 55,000 ATMs worldwide. Anyone who has a smartphone and has $1 left each month can do investments.


Earn 100,000 bonus points with the Ink Business Preferred® card or $750 bonus cash back with the Ink Business Unlimited® card or Ink Business Cash® card.  I can be rewarded too, learn more.

Personal Capital

Personal Capital is a hybrid service combining investment and personal finance in one app. The app itself is entirely free, even when used to map out your net worth or your current cash flow status. Where they make money is by up-selling your readers to their wealth management services. As of right now, Personal Capital has almost US$20 billion in assets under its management. 

They offer your audience a free personal finance and budgeting tool with optional services available to those who earn more than US$100,000 per year.

Financial Gym


Creating a budget is something almost anyone can physically do.

It’s sticking to it is where most people stumble and fall.

Financial Gym helps you get around that problem by assigning a personal financial trainer to you.

They keep you focused and accountable to your financial goals, while also giving you financial tips. The personal interaction element of this service is something a piece of software can’t offer.

Note: This is a paid subscription after your free introductory call.

Why You Should Promote Financial Gym

It offers an innovative approach to personal accountability and money management in the form of a human personal financial trainer.

FUN Facts You Should Know!

The What & Why of Investing In Real Estate

Real estate investment involves buying, owning, managing, and/or selling properties for the purpose of generating income or capital appreciation.

This can include residential properties, commercial properties, and land.

Investing in real estate can be a smart move for several reasons:

  • Potential for high returns: Real estate investments can generate significant returns through rental income and appreciation in property value.
  • Diversification:  Real estate investments can diversify your portfolio and reduce risk by spreading your investments across different asset classes.
  • Tax benefits: Real estate investments can provide tax benefits, such as deductions for mortgage interest and depreciation.
  • Control:  As an owner, you have more control over the property and can make decisions about how it is managed and used.
  • Inflation hedge: Real estate investments can provide a hedge against inflation as property values tend to increase over time.

However, it is important to note that real estate investment also comes with risks, such as fluctuation in property values, changes in market conditions, and the potential for tenants to default on rent. It’s important to do your own research, seek advice from experts and have a solid strategy in place before investing in real estate.

8 Tips on How to Be Lean and Mean with Your Income

To be “lean and mean” with your income means to live frugally and save as much money as possible. Here are a few tips to help you do that:

  1. Create a budget:  This will help you track your expenses and identify areas where you can cut back.
  2. Live below your means:  Don’t spend more than you make. Avoid lifestyle inflation and try to save as much money as possible.
  3. Avoid unnecessary expenses:  This can include things like eating out, buying expensive clothes, and buying things you don’t really need.
  4. Invest in your future:  Put money into savings and investment accounts to grow your wealth over time.
  5. Be mindful of debt:  Avoid taking on unnecessary debt and try to pay off any existing debt as quickly as possible.
  6. Shop around for the best deals:  Compare prices and look for sales and discounts to save money.
  7. Be mindful of your bills: Look into ways to reduce your monthly bills like cutting back on subscriptions, and negotiate bills.
  8. Be mindful of your taxes:  Make sure you’re taking advantage of all available tax deductions and credits to keep more money in your pocket.


Remember, the key to being lean and mean with your income is to be mindful of your spending habits and to always be looking for ways to save money.

Auto-Deduct! Save without Thinking.

Auto-deduct is a feature that automatically deducts a certain amount of money from your checking or savings account and transfers it into a designated savings accounts on a regular basis. This can be a helpful tool for saving money because it allows you to set a specific amount and schedule for saving, and eliminates the need for manual transfers or remembering to save money each month.

Some popular saving applications with auto-deduct features in the US include:

  • Digit: This app analyzes your spending habits and automatically transfers small amounts of money from your checking account into a savings account.
  • Qapital:  This app allows you to set up automatic transfers, as well as create “rules” for saving based on certain actions or purchases.
  • Chime:  This online bank offers an automatic savings feature that rounds up your purchases and transfers the difference into a savings account.
  • Acorns:  This app rounds up your purchases and automatically invests the difference into a portfolio of ETFs.
  • Stash: This app also rounds up your purchases and automatically invests the difference into a portfolio of ETFs.

Please note, you should always do your own research and read the terms and conditions before signing up for any financial service and make sure it is the right fit for you.

Tools Smart Nurses Use to Gain Wealth


Annuities are financial products that provide a stream of income over a specified period of time, usually in retirement. They are typically purchased by individuals who want to ensure a steady income source in their later years.

There are several different types of annuities, including:

  • Immediate annuities:  These annuities begin paying out income immediately after they are purchased. They are typically used by individuals who want to start receiving income as soon as possible.
  • Deferred annuities:  These annuities do not begin paying out income until a specified date in the future, usually in retirement. They are typically used by individuals who want to accumulate savings over time before receiving income.
  • Variable annuities:  These annuities allow the policyholder to invest in a variety of different investment options, such as stocks or bonds. The income received is based on the performance of the underlying investments.
  • Fixed annuities:  These annuities provide a guaranteed income stream over a specified period of time. The income is based on a fixed interest rate and is not affected by market fluctuations.

In the US, there are several annuities that are considered safe and guaranteed. These include fixed annuities, which are issued by insurance companies and are backed by the full faith and credit of the insurer. Additionally, some immediate annuities are considered safe and guaranteed because the payments are backed by the insurer’s financial strength. However, it is important to note that not all annuities are safe and guaranteed, and it is important to research and understand the terms and conditions of any annuity before purchasing it.

Retirement Vehicles:

  1. 401(k) – a type of retirement savings plan offered by many employers. It allows employees to save and invest a portion of their income before taxes are taken out. The funds in a 401(k) plan typically grow tax-free until they are withdrawn during retirement. Many employers also offer matching contributions, which can help employees save more for retirement. The money in a 401(k) is usually invested in a mix of stocks, bonds, and other assets, and the returns on those investments determine how much the account balance will grow over time. One of the benefits of a 401(k) is that employees can typically choose how their money is invested, within the options offered by the plan.
  2. 403b – a type of tax-advantaged retirement savings plan that is available to employees of certain tax-exempt organizations, including non-profit organizations, public schools, and certain government entities. Contributions to the plan are made on a pre-tax basis, meaning that the contributions are made before income taxes are calculated, resulting in a reduction in the employee’s taxable income. Earnings within the plan grow on a tax-deferred basis, meaning that taxes on the earnings are not paid until the money is withdrawn. The plan also has limits on the amount that can be contributed to it each year. Withdrawals from the plan are generally taxed as ordinary income and may be subject to penalties if taken prior to age 59 1/2.

What are the minimum contributions?

The minimum contributions for 401k and 403b retirement plans for 2023 have not yet been determined by the IRS. The current minimum contribution for 401k plans is $19,000 for individuals under age 50 and $25,000 for individuals 50 and older. The current minimum contribution for 403b plans is also $19,000 for individuals under age 50 and $25,000 for individuals 50 and older. These limits are subject to change each year based on inflation and other economic factors.

Types of Investment Platforms

With a swarm of investment platforms made open to the market nowadays, it’s hard to find one that fits all your needs. So, when it comes to picking an investment platform, make sure it addresses your need and what you are aiming to reach for. Some noteworthy tips to find the right platform for you are the following:

  • *Have a clear understanding of what you want to invest in.
  • *Consider platforms that have good customer ratings.
  • *Pick the ones being offered in your region or sector.
  • *Make sure that your goals align with that of the platform.
  • *Go for a greener or feminist platform.

There are several types of investment platforms, including:

  1. Online Brokerages:  These platforms allow individuals to buy and sell stocks, bonds, and other securities online. Examples include TD Ameritrade, E*TRADE, and Charles Schwab.
  2. Robo-Advisors:  These platforms use algorithms to manage and invest client assets. They often require a lower minimum investment and charge lower fees than traditional financial advisors. Examples include Betterment, Wealthfront, and Ellevest.
  3. Crowdfunding Platforms:  These platforms allow individuals to invest in small businesses and startups. Examples include Kickstarter, Indiegogo, and GoFundMe.
  4. Peer-to-Peer Lending Platforms: These platforms allow individuals to lend money directly to other individuals or businesses. Examples include Lending Club, Prosper, and Upstart.
  5. Real Estate Investment Trusts (REITs):  These platforms allow individuals to invest in a diverse portfolio of commercial or residential real estate properties. Examples include Fundrise, DiversyFund, and Roofstock.
  6. Cryptocurrency Exchanges:  These platforms allow individuals to buy, sell, and trade cryptocurrencies such as Bitcoin, Ethereum, and Litecoin. Examples include Binance, Coinbase, and Kraken.

It’s important to note that not all of these platforms may be available in all countries and some of them may have some restrictions for certain investors. It’s always best to do your own research before investing in any platform.

Short-Term Emergency Funds

A short-term emergency fund is a savings account that is specifically set aside for unexpected expenses that may arise, such as a medical emergency or car repair. It’s generally recommended to have enough money in your short-term emergency fund to cover 3-6 months’ worth of living expenses.

In terms of where to park it for 2023, one option is a high-yield savings account . These types of accounts typically offer a higher interest rate than a traditional savings account, which means your money will grow faster. Look for a savings account with FDIC insurance, which means that your deposits are insured up to $250,000 per depositor per bank. Some popular options include online banks like Ally, Discover and Marcus by Goldman Sachs.


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