Want to Hang Up Your Scrubs One Day for Good? Start a 401(k)

If you haven’t already, here’s how to start making sure that will happen. You’re busy saving lives, dealing with call lights, and figuring out if you actually peed today.

But just do this one thing. Take one small step. No spreadsheets, no calculators—just one quick phone call. Future Retired You (probably sipping coffee that’s still hot for once) will thank you.

Step 1: Call Your HR Department

Pick up the phone and call your HR department. I know it sounds like a hassle, but just do it.

Step 2: Use This Script to Call HR

Not sure what to say? Use this script:

You: Hi, my name is [Your Name], and I’m a nurse at [Your Workplace]. I have some questions about the retirement benefits available to me. Is there someone who can help?

Wait to be connected to the right person.

You: I’m trying to understand my retirement options. Can you help me with the following questions?

• What retirement plans do we have? (e.g., 401(k), 403(b), pensions, etc.)
• How much does the company contribute? (e.g., matching percentages or profit-sharing)
• What’s the vesting schedule? (How long do I need to work here to keep employer contributions?)
• How do I access my account information? (Online portal, third-party provider, etc.)
• Can I make changes to my contributions? If so, how?
• Are there other benefits I should know about? (e.g., financial wellness programs or additional savings plans)

You: Thanks so much! Could you email me a summary of what we discussed or point me to where I can find this information?

Step 3: Write Down What You Learn

As they answer your questions, fill in the blanks:

• What plans are available: ___________
• Where do I go to log in to my account: ___________
• How much does the company contribute: ___________
• What is the vesting schedule: ___________

Step 4: Log In and Save Your Credentials

Once you have the info, log in to your account. Write down your username and password somewhere safe. (I personally recommend using a password manager like BitWarden to store your credentials securely.)

Conclusion

There you have it—you can decide what actions to take another day, but pat yourself on the back for doing this one step that most people feel too overwhelmed to do.

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