Paycheck money vs. ownership money
A dollar from your paycheck and a dollar from something you own get taxed very differently. Most of us have only ever seen the first kind.
06:45First case
The best-paid job in nursing has one catch
We earn some of the best money in healthcare. But all of it comes with the same condition: you have to be there to earn it. If I'm not in the room, I'm not getting paid — same as you. Take a month off, and the paycheck takes a month off too.
$223,210
Mean annual CRNA earnings
BLS · May 2024
100%
Earned by being there in person
Salary, hourly, or per case
1
Income stream, for most CRNAs, across an entire career
The one that stops when you do
11:20Between cases
What you were never taught
Anesthesia school taught us pharmacology, physiology, and how to run an airway. It never got around to money. These are the six things members tell me they wish someone had explained ten years ago — and honestly, the six things I wish someone had explained to me.
Depreciation, in plain English
How an apartment building can put cash in your pocket and still show a loss on paper — and why that's completely legal.
Owning without landlording
How I own part of a 188-unit property without ever fixing a toilet, screening a tenant, or taking a single 2 a.m. call for it.
That old 401(k)
The 401(k) from your last hospital can hold more than mutual funds — and yes, you're allowed to move it. Most of us were never told.
How to read a K-1
The tax form you get when you own a piece of a business. We go through it box by box, so it stops looking like a foreign language.
The risks, taught first
Where your money actually sits in a deal, who gets paid before you, and what happens when things go wrong. We cover this before anything else.
16:05Relief arrives
I'm Edwin, and I still take call
I'm a CRNA in Houston, and I still work cases every week. This isn't a "quit your job" pitch from someone who already quit — I love this work. I just stopped letting it be my only source of income.
I also run MedVal Capital, where we buy and operate apartment communities. I started Off the Clock because when I went looking for this education myself, I couldn't find it — at least not from anyone who wasn't trying to sell me something. So I built the room I wish I'd had.
"I'm not teaching you to leave the OR. I'm teaching you to stop needing it."
Edwin Valverde
CRNA · Founder, Off the Clock
19:20Last case out
What this is, and what it isn't
I keep this community completely separate from anything MedVal Capital offers. You come here to learn — nobody's going to sell you anything, including me.
What it is
- Free to join, and it stays free
- CRNAs and SRNAs only — everyone in the room does the work you do, or is training to
- One money concept explained each week, in plain English
- Ask me anything — and hear from CRNAs who've already done it
- Real talk about taxes, LLCs, and deals from people who've been there
What it isn't
- A paid course or a mastermind
- A place where someone pitches you a deal
- Investment, tax, or legal advice
- A promise that you'll make money
- A push to quit the job you're good at
21:47The thread lights up
Right now, the room is talking without you
The community lives in a private WhatsApp group for CRNAs and SRNAs. It's a running conversation, at all hours, about the job — and about the money side of life that nobody prepared us for. I'm in there every day.
It's where people compare contracts instead of guessing. Where someone posts their first K-1 and gets it explained line by line. Where a locums rate question gets answered in minutes by someone who just worked that market. SRNAs ask the things they'd never ask faculty, and CRNAs twenty years in answer from the couch at 9 p.m.
Shop talk
Contracts, 1099 vs. W-2, call, locums rates. The things you usually wonder about alone, answered out loud.
Money questions, welcome
First K-1s, old 401(k)s, LLC questions. Asked plainly, answered by people who've signed the same forms you're staring at.
People who get it
Everyone in the group knows what a 3 a.m. pager feels like. You never have to explain your life to anyone here.
Wins get shared
When someone learns a lesson the expensive way, they share it so you don't have to. Bring what you know, take what you need.
None of it gets recorded or turned into a course. It happens live, once. Either you're in the room, or you hear about it later.
02:00 · You are asleep. It is not.
We're the first generation of CRNAs to earn like this. Let's be the first to keep it.
A paycheck stops the day you stop. The things you own don't — they keep paying, and one day they pass to your kids. That's the difference between a good career and a family that starts ahead. And nobody taught us any of it — not school, not conferences, not the ten minutes HR gave us to pick a 401(k) option.
That's the gap I started Off the Clock to close — one CRNA at a time.
Off the clock · Membership
Claim your seat
The community lives on WhatsApp. The form takes about thirty seconds, it's free, and you're in right away. I keep it to CRNAs and SRNAs only.
Contact
Say hello
Have a question? Here's where to find me:
01 · Fastest
The WhatsApp community
Ask in the group — I read it every day. The way in is the form just above; it takes about thirty seconds.
02 · EmailThe newsletter
Two emails a month. Hit reply on any issue and it comes straight to me.
03 · InvestingMedVal Capital
For anything about investing itself, head to MedVal Capital — I keep that separate from the community on purpose.