MoneyRx for CRNAs and NPs

Amanda Kay on One Full Year of 1099: What She Got Wrong, What Changed Everything


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A year ago, Amanda Kelly jumped into full 1099 independence with income goals, an S-corp, and many unknowns. Now she’s back.

In this episode, Brett Fellows, CFP®, sits down with Amanda Kelly, CRNA, coach, and founder of The Mindful CRNA, to hear what happened once the theory met real life. They talk through the financial surprises that came with running an S-corp, why most CRNAs leave money on the table at tax time, how the independent market has shifted heading into 2026, and what Amanda learned from a 30-minute tax return walkthrough with Brett that changed how she thinks about her money entirely.

They Cover:

  • The honest financial case for going 1099 in your 40s or 50s
  • Why salary vs. distributions inside an S-corp matters more than most CRNAs realize
  • What CRNAs consistently get wrong with deductions and bookkeeping
  • How the 1099 market has shifted since 2024 and what to expect going forward
  • Running a side coaching business, and when to spin up a second LLC
  • The tax return review that made her numbers finally make sense
  • Baby Roths, HSAs, and what a "money machine" looks like in practice
  • Three financial moves she would tell every new CRNA to make first

#CRNAs #1099CRNA #TaxPlanning #FinancialPlanning #MoneyRx




For more information and resources related to this episode, please visit the show notes

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MoneyRx for CRNAs and NPsBy Brett Fellows, CFP®