Top 3 Money Hacks by RouteFin,” is a guide created by Amirra, a pediatric occupational therapist turned financial coach, and Mazi, a certified registered nurse anesthetist (CRNA), for healthcare professionals.

They founded RouteFin to help people in demanding careers navigate the financial challenges unique to their professions, such as student loan debt and building wealth. RouteFin aims to be a financial hub offering trusted experts, personalized tools, and community support. The guide emphasizes that financial freedom is achievable for healthcare professionals, not just CEOs or Wall Street.

The guide highlights three “money hacks” designed to build financial confidence and momentum:

1. Open a High-Yield Savings Account (HYSA): This type of savings account offers significantly higher interest rates than regular banks and is ideal for emergency funds and short-term goals. It protects money from inflation and grows it passively. To get started, the document suggests choosing a reputable online bank (like Ally, Marcus, or SoFi), opening an account, transferring an emergency fund or starting with any amount, and setting a monthly reminder to add more.
2. Enroll in an Employer Retirement Account: This refers to tax-advantaged accounts like 401k or 403b, where contributions are made from paychecks, and some employers offer matching contributions. The guide recommends logging into the HR portal, aiming to contribute enough to get the full employer match, signing up with at least 5% of a paycheck if not enrolled, and increasing contributions by 1% each year or with every raise.
3. Automate Your Finances: This involves setting up automatic transfers, bill payments, or contributions to ensure money goes where it needs to without daily attention. Automation reduces decision fatigue, builds consistency, and helps avoid late fees or missed goals. Steps include setting up automatic transfers from checking to a HYSA after payday, automating 401(k) or 403(b) contributions, and scheduling auto-pay for bills. This also suggests reviewing automation every 3-6 months.

It stresses the importance of these hacks working together to create a system for both present and future financial well-being, leading to “momentum, clarity, and peace of mind.” It emphasizes that consistency, not perfection, is key, and the best time to start is now, regardless of income level.

RouteFin promises to offer more resources, including early access to exclusive guides, webinar invites, personalized tips, and expert financial connections, to support healthcare professionals on their journey to financial freedom.

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