Build wealth
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The Pre-Op · A free financial checkup for CRNAs
See how healthy your finances are. And where to deploy your money next.
Answer a few questions about your pay, your savings and your goals. Most answers are a tap. In about seven minutes you get the six things below. The math runs in your browser and stays there.
About 7 minutes
No sign-up
No bank linking
Nothing to buy
What you get
Score
A health score for your finances
One number out of 100. It shows where you stand today and what is pulling it down.
Cushion
Months without a paycheck
How long your savings could cover your bills if the paychecks stopped.
Target
Your work-optional number
How much you need invested so work becomes a choice. And the age you get there on your current path.
Plan
Your next three moves
Steps that fit how you are paid: W-2, 1099 or owner. The first one starts this week.
Invest
Where to deploy your money
Nine ways CRNAs build income outside their shifts. Rentals, private deals, a group of your own and more. The three that fit you come first.
Keep
Your results, saved
Save a one-page PDF, send a link to your partner or come back later and pick up where you left off.
Made for working CRNAs. Still in school? The numbers assume a CRNA paycheck, so come back after boards.
Your financial checkup
Screen 1 of 8
Your Pre-Op results
Where your finances stand. And your next three moves.
None of this is a grade. It is a picture of where things stand today, so the next three moves are clear.
01Your financial health
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Financial health score
Out of 100. Where things stand today.
02What your numbers say
Already working for you
03When work becomes optional
Your work-optional number
04Your next three moves
Your first move
The next thirty days.
See the nine ways, with the three that fit you first ↓
Just this one thing for now. The rest of the plan will keep until it is done.
05Where to deploy your money
Ownership income.
A paycheck, a 403(b) and retirement at 65 is not the only road. These are the ways CRNAs build income that does not depend on their hours. The first three fit your answers best.
We call it ownership income, not passive income. Very little of it is passive at the start. What matters is that it keeps paying after the work is done.
06The detail behind the numbers
Get your time back
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Make it last
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Net worth per dollar earned
The capital map
Earn
Keep
Own
Produce
Protect
07Retirement resilience
How much of this plan depends on selling?
A plan that has to sell investments every year works in a good decade. In a bad one it costs you. Selling while prices are down early in retirement does damage that later gains do not undo. That is what sequence of return risk means. The usual answer is money you can spend without selling anything: cash reserves, income that arrives on its own, and assets that do not move with the market.
Ernst & Young LLP studied this in Benefits of integrating insurance products into a retirement plan (2021, updated 2025). Their modeling found that pairing permanent life insurance and deferred income annuities with an investment portfolio improved both retirement income and what was left behind. Much of the gain came from drawing on cash value after a down year instead of selling investments at a loss. That is a research finding about a structure, not a recommendation for you. It does not mean anyone can safely withdraw more than the 4% rule allows.
08Save it and share it
Email me my results
Your score, your numbers, your plan and your first move, on one page you can save or print. The email carries a link back to this page, so you can open it again on any device.
Check your inbox. Your results are on a link you can open whenever you want them. Give it a couple of minutes, and look in your spam folder if it hasn’t landed.
Have the conversation that matters
Most calculators end by asking you to book a call. This one ends at your kitchen table. Send it to the person who should see it first.
Ask each other tonight
The WhatsApp communityCRNAs and SRNAs only. Ask a question, or read for a while.
Free live sessionsOne evening, one subject, one expert.
The newsletterShort reads on owning assets, paying less tax and building income.
Take it again next year. Like a physical, it is most useful as the same readings taken twelve months apart.
Your numbers stay on your device unless you choose to send your results. The checkup runs in your browser. This site carries no analytics and no tracking scripts. Your answers are kept only in your own browser so you can come back to them. Nothing reaches us unless you submit the email form. If you do, we receive your first name, your email and a link that holds your answers, so we can send this page back to you. A share link carries your numbers inside the web address. Send it only to the person you mean to. Education, not advice. Every number here is an estimate built from the ranges you set. Nothing here is individualized investment, insurance, tax or legal advice. Off the Clock sells nothing. Talk to your own CPA, attorney and advisor before you act on anything here.