The Financial Independence Show $2M Net Worth in 6 Years as a Travel Nurse | Sophia Khawly
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Aug 12, 2026 Sophia Khawly, a nurse practitioner and travel-focused entrepreneur who runs Traveling NP and Wealthy NP. She describes scaling income through travel nursing and telemedicine. She explains extreme saving while employer-covered housing cuts costs. She discusses building wealth with real estate, index funds, travel hacking, and taking mini-retirements abroad.
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Paid $50k Student Loans In Three Years
- Sophia graduated with $50,000 in student loans, made a plan to pay them off within three years, and used budgeting to accelerate payments.
- Early RN/NP salary (~$95k) motivated her to stop $2k/month restaurant habits and prioritize debt repayment.
Travel Assignments Eliminate Housing and Car Costs
- Travel NP jobs raise pay and remove two biggest expenses by covering housing and car, letting Sophia save ~90% of income.
- She earned ~$145k as a travel NP, spent ~$1k/month, and saved about $90k/year while housing and transport were provided.
Max Retirement Accounts Then Put Extra Into Index Funds
- After discovering FIRE, Sophia shifted savings into index funds and retirement accounts while continuing real estate investments.
- She maxed 401k/IRA/HSA and used brokerage accounts to grow net worth from ~$300k to $1M in three years.
