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Thank you for using NurseWallet!

We are here to help! Check out or FAQs that can help answer any questions you have. 
Need more help? Call us at +1(844) 286-0295 or email us at



What is NurseWallet? 

NurseWallet is the money app for nurses. In one app you can check how many shifts you need to hit a savings goal, invest your money, and mange your student loans. 

Why use NurseWallet? 

We put all of your money in a language that you understand... shifts. Understanding your money is no longer just for bankers and finance bros, it is for nurses. 


I don't know how to invest. 

Perfect. NurseWallet does all the heavy lifting for you. We will tell you how to set up automatic transfers based on your shifts so you don't need to think about it ever again 

Isn't it a bit early to invest? 

No. The earlier you invest the better. Even if you invest a small amount, you make more money by having it in the market sooner. 

What if I don't make enough money to invest? 

We did the math, and the good news is that you make plenty of money to invest. With the rest of your system in place, you won't feel like you don't have enough anymore. 

Is investing gambling? 

Investing for the long term is not gambling. Our investing tool will automatically balance your portfolio so you are set for the long term. 

What's a 401k/403b? Is this related to investing? 

Your 401k/403b is one type of investment account. The biggest advantage to them is that employers can match how much you put into them. If you have one of these, we can help you deal with it. If you do not, we can help. 


WTF is a 401k/403b? 

A 401k or 403B is a special investing account, one you can only access through your employer, that comes with incredible benefits.

  • What are the perks?
    You don’t pay taxes on what you put in (more money for you)

  • ​What are the restrictions?
    You can’t take it out until 59. You can only access through your employer.

  • Why do I need to put money in my 401k/403B account?
    Putting a little in each month gives you a lot when you retire

What are the benefits?

The upside: HUGE.

You save a bunch on taxes and some employers will even give you free money (matching your contributions up to a certain amount). It’s one of the best ways to ensure you reach retirement with confidence -- no one wants to be old and poor AF.

What are the restrictions?

The restrictions: You have to make contributions directly from your paycheck and you can’t pull this money out until retirement (You can’t access this money until you are in your 60s and 70s).

How is this different than investing?

A 401K/403B account is investing. It is just a special account with tax benefits and restrictions for when you can access the money.

401K/403B’s are offered through your employer so we recommend taking advantage of them if you can. If you can’t no big deal, our investment recommendation has you covered.

Why do I have to contact HR?

401K/403B’s are managed through employers so we can’t get you set up (yet). By reaching out to HR, they can tell you how.

If you have any questions, let us know. We are happy to help you out here.

When can I take out money from my retirement account?

59 years old.

Stashing pre-tax cash in your 401K/403B also allows it to grow tax-free until you take it out. After you become 59 ½ years old, you can take your money out without needing to pay an early withdrawal penalty.


What kind of things count as standing monthly costs?

Anything that you would think of as a “bill” each month. For example, rent, cell phone, wifi, buss pass.

Stuff that you just know you are going to spend on regularly like Chipotle or gas.

Do I need to track every dollar I spend?

NO! If you pay all of your maintenance costs out of this account, then you will be able to easily see how much you spend on it each month. 

We will set you up with another account for your guilt-free spending. More on that later.

Do I need to track every dollar I spend?

Don’t worry - we will cover everything, from self care to brunch, in the Guilt Free spending section


What is this money for? 

Whenever you need a little extra cash for when shit happens. Car breakdown, unexpected gifts, cover your rent when between jobs.

How is this different than investing?

The way we see it, saving is for when you need some cash unexpectedly. Investing is so future you can live a richer life than you do now (whatever that means to).

Should I be saving more than this?

We think it's better to invest extra money in your investing account or spend it guilt free but at the end of the day - play your game.


Why use a credit card?

  • Easy to track - all your spending is in one place on one card

  • Build credit - the more you spend and pay off in full --> the higher your credit score
    Good credit scores are useful for mortgages, apartment applications

  • Get rewards - Credit cards offer money back or discounts when you spend certain amounts or at certain stores

Why use a credit card?

So that we can make sure you get the right card for you. How high your score is affects which card makes the most sense.

What is the difference between cash back and travel cards?

Cashback - Get money back when you spend. Usually around 1.5%.
Best for: People who want a couple extra $$ in the bank

Travel Cards - Get “points” that you can redeem for free flights, hotels, etc. Best for: People who want more rewards for “Free” vacations.

The Bottom Line

  • You get the same $ value back from each reward

  • The card depends on your preference: cash vs discounted trips

Need more help? Call us at 1-844-286-0295 or email us at

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