A $225/hour CRNA contract may sound better than a $200/hour contract.

But for a 1099 CRNA, the hourly rate is only the headline. The real question is what you actually keep after taxes.

In this episode of Money Moves for CRNAs, Randy Larkin explains why self-employed CRNAs should look at the tax facts behind each contract before accepting or extending an assignment. Location, travel, reimbursements, assignment length, multistate work, local taxes, records, and estimated tax payments can all affect the real after-tax result.

The goal is not to become your own tax expert. The goal is to recognize potential tax issues early enough to avoid expensive surprises later.

Before you accept or extend a CRNA contract, do not just ask, “What is the hourly rate?”

Ask, “What tax facts come with this contract?”

Because the highest hourly rate is not always the best after-tax result.

🎧 Educational purposes only. Not personalized tax or financial advice.

Chapters:
0:30 - Why the Highest Rate May Not Be the Best Contract

0:50 - What Tax Facts Come With the Contract?

2:54 - Why Location and State Taxes Matter

3:43 - Travel, Reimbursements, and Assignment Length

3:55 - Questions to Ask Before Accepting or Extending a Contract

4:41 - Free 1099 CRNA Tax Readiness Review

5:33 - When to Get Help With a CRNA Tax Strategy Session

5:49 - The Real After-Tax Result

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If you are a 1099 CRNA, the same contract does not always create the same tax result.

In this episode of Money Moves for CRNAs, we walk through a real example of how two CRNA work arrangements can look identical on paper but create very different tax outcomes. The hourly rate did not change. The contract wording did not change. But the facts changed — and that changed the tax result.

This episode explains why income and contract clarity matter, especially for 1099 CRNAs. Assignment length, location, travel expenses, reimbursements, and multistate work can all affect your after-tax result.

Many 1099 CRNAs are not missing these issues because they are careless. They are missing them because they do not know the issues exist.

That is why proactive tax planning matters. It should help identify issues early enough to fix them, not just report the results after the year is over.

If you are a 1099 CRNA, ask better questions before tax season:
Is this assignment temporary?
Could extending the assignment change the tax result?
How are travel expenses handled?
Will this income be connected to more than one state?
Do I understand enough to know when I need help?

Start with the free 1099 CRNA Tax Readiness Review. It helps you review how you are being paid, where you are working, what your contract says, what records you are keeping, and whether any income or contract issues need attention before tax season.

🎧 Educational purposes only. Not personalized tax or financial advice.

Chapters:
00:30 — Same Contract, Different Tax Result?

01:12 — The Real 1099 CRNA Client Example

02:56 — Your Hourly Rate Is Not Always Your Real Rate

03:31 — Why Proactive Tax Planning Matters

04:39 — Better Questions for CRNAs

05:10 — Why 1099 CRNAs Miss These Issues

05:20 — Start With the Tax Readiness Review 

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If you are a 1099 CRNA and tax season felt stressful, the issue may not start with your deductions, LLC, or S-corp. It may start with something much simpler: Do you clearly understand how your contract is paying you?

In this episode of Money Moves for CRNAs, we talk about why income and contract clarity matter for self-employed CRNAs. Your contract setup can affect estimated tax payments, deductions, travel records, multistate tax exposure, cash flow planning, year-end tax projections, and overall tax strategy.

Many 1099 CRNAs have multiple contracts, more than one agency, W-2 and 1099 income in the same year, stipends, reimbursements, bonuses, or travel payments. If those details are unclear, tax season can become stressful fast.

Before you focus on what you can write off or whether you should be an S-corp, start with the foundation: how you are being paid, where you are working, and what records you have.

If you find yourself saying, “I’m not sure,” “I need to check on that,” or “I didn’t realize that mattered,” those may be clues that your tax setup needs more attention.

Start with the first section of the free 1099 CRNA Tax Readiness Review: Income and Contract Clarity.

This episode is for 1099 CRNAs who want to reduce tax stress, avoid IRS concerns, improve tax planning, and make smarter financial decisions throughout the year.

🎧 Educational purposes only. Not personalized tax or financial advice.

Chapters:
00:29 — The First Tax Question 1099 CRNAs Should Ask
00:51 — Why Tax Season Stress Is Usually a Symptom
01:06 — Income and Contract Clarity for 1099 CRNAs
01:39 — Common Income Issues for Self-Employed CRNAs
02:33 — How Contract Clarity Affects Your Tax Strategy
02:49 — Why Guessing Creates Tax Season Stress
03:30 — Why Generic Tax Advice Can Be Risky
04:40 — Questions Every 1099 CRNA Should Ask
05:16 — Why Income Clarity Makes the Next Tax Questions Easier
06:10 — Start With the 1099 CRNA Tax Readiness Review

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Tax season stress is not always just about taxes being complicated. For many 1099 CRNAs, that stress is a sign that something in the tax setup needs more attention during the year.

In this episode of Money Moves for CRNAs, we talk about what your tax season stress may be trying to tell you. Maybe your estimated tax payments were off. Maybe your deductions were not well documented. Maybe your travel records, multistate work, S-corp payroll, or retirement planning were not fully coordinated.

The goal is not to make you feel behind. The goal is to help you use that stress as useful information so you can build a more proactive tax plan and feel more prepared before next tax season arrives.

If tax season felt rushed, confusing, or stressful, this episode will help you understand what may need attention before next year.

This episode pairs well with the free 1099 CRNA Tax Readiness Review. After you complete the review, pay attention to any areas where you are unsure, guessing, or realizing you may need more guidance. Those are often the same areas that create stress later.

And if you have not listened to Podcast #20 yet, go back to that episode next. It explains why April 15th should not be the starting point for tax planning.

🎧 Educational purposes only. Not personalized tax or financial advice.

Chapters
00:57 — Tax Stress Usually Exposes Existing Gaps
01:20 — Why Clarity Matters for Self-Employed CRNAs
01:54 — Common Issues That Create Tax Season Stress
02:23 — Signs Your Tax System Needs Attention
03:10 — Filing a Tax Return Is Not the Same as Being Tax-Ready
03:48 — The Phrases That Reveal Tax Planning Gaps
04:10 — The 1099 CRNA Tax Readiness Review
04:59 — Use Tax Stress as Information
05:05 — Next Step: Download the Free Review

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In this episode of Money Moves for CRNAs, Randy Larkin, CPA explains why tax planning should not start in March or April — and why a full-year tax process matters for independent CRNAs.

You’ll learn why April 15th should not be a surprise, what tax-season stress may be telling you, and how better structure can create more clarity, fewer surprises, and less IRS anxiety.

Download our free guide: The 6 Dates of Your Annual Tax Cycle

🎧 Educational purposes only. Not personalized tax or financial advice.

Chapters:

• 00:30 – Did Tax Season Feel Calm or Rushed?
• 00:43 – Why 1099 CRNAs Feel Tax Stress
• 01:17 – Why Tax Planning Shouldn’t Start in April
• 01:54 – What Tax Season Stress Is Really Telling You
• 02:07 – Questions to Ask About Your CPA Process
• 02:38 – Why the Same Process Creates the Same Stress
• 03:00 – Why a Full-Year Tax Cycle Matters
• 03:12 – What Better Tax Planning Looks Like
• 03:53 – The 6 Dates of Your Annual Tax Cycle
• 04:24 – Peace of Mind and a Better Process
• 04:48 – Your Next Step After Tax Season

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In this episode of Money Moves for CRNAs, we break down a real 2025 Tax Court case where a taxpayer lost a $6,700 charitable deduction… not because it wasn’t valid—but because the documentation didn’t meet IRS standards.

And here’s the problem: Most 1099 CRNAs are making the exact same mistake.

We cover:

• Why the IRS denied the entire deduction (not just part of it)
• The critical documentation rules most people miss
• What Form 8283 actually requires
• Why Goodwill receipts often aren’t enough
• How to properly document donations before filing your return

If you’re a 1099 CRNA trying to maximize deductions while staying audit-proof, this episode will show you exactly where the risks are—and how to fix them.

Key takeaway: Good intentions don’t protect deductions. Documentation does.

Chapters:
00:30 – The $6,700 deduction the IRS denied
01:20 – What the taxpayer did wrong (critical mistake)
02:00 – IRS substantiation rules explained
02:30  – The Goodwill receipt trap
03:00 – Why you can’t fix documentation later
03:42 – What 1099 CRNAs should do instead
04:35 – Final takeaway: documentation vs intention

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In this episode of Money Moves for CRNAs, Randy Larkin, CPA breaks down what these new accounts actually are, who qualifies for the $1,000, and what the rules really look like.

You’ll learn:

• Which children qualify (and which don’t)
• Whether your child needs earned income
• Contribution limits and employer rules
• Investment restrictions most people miss

This episode helps cut through the headlines so you can decide if a Trump Account fits your family’s financial plan.

🎧 Educational purposes only. Not personalized tax or financial advice.

Chapters:
00:30 – What You’ve Heard About Trump Accounts (And What’s Wrong)

01:20 – What a Trump Account Actually Is
01:55 – Who Qualifies for the $1,000
02:33 – Does the Child Need Earned Income?
03:00 – Contribution Limits Explained
03:23 – Employer Contributions (Section 128)
04:00 – Investment Rules (Big Restrictions)
04:48 – Age Rules and Timing
05:16 – What Actually Matters for Families

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The problem usually isn't the income.

It's the system behind the money.

In this episode of Money Moves for CRNAs, we talk about the simple financial structure many independent CRNAs use to organize their business finances and reduce tax stress.

You'll learn:

• Why separate business banking matters
• What clean books actually means
• How organized finances reduce IRS anxiety
• How to create clarity in your CRNA business finances

If you're working as a 1099 CRNA contractor, this episode will help you build a simple system that supports your financial life.

Chapters
00:00 – Introduction

00:30 – The financial question many 1099 CRNAs can't answer

01:46 – The problem with mixing personal and business money

02:26 – How structure creates freedom.

03:11 – Step 1: Business banking for CRNAs

03:48 – How separate accounts create financial clarity

04:10 – Step 2: What “clean books” actually means

05:21 – How financial systems prepare your CRNA business for growth

06:17 – Preview of the next episode

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In this episode of Money Moves for CRNAs, Randy Larkin, CPA, explains what an LLC is actually designed to do — and what it’s not designed to do. You’ll learn how LLCs create separation between you and your CRNA business, why structure matters as income grows, and how accounting infrastructure supports real protection.

This episode is part of The CRNA Business Basics Series and helps clear up confusion around LLC protection, liability, and business structure for 1099 CRNAs.

You’ll learn:

• What an LLC really does in plain English
• What an LLC does NOT protect you from
• Why separation and containment matter
• How accounting systems support protection

🎧 Educational purposes only. Not personalized tax or financial advice.

Chapters:

00:00 – Introduction

01:20 – What an LLC Is (Plain English)

02:00 – What an LLC Actually Does?

02:57 – What an LLC Does NOT Do

03:30 – Why LLC Often Fail to Deliver What CRNAs Expect

04:08 – Where Accounting Infrastructure Fits In

04:48 – Why This Matters Day to Day

05:13 – What’s Coming Next

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In this episode of Money Moves for CRNAs, Randy Larkin, CPA, explains how smart business structure protects CRNAs as income grows. You’ll learn the difference between insurance and structure, why risk increases with higher 1099 income, and how professional preparation keeps business issues from becoming personal ones.

This episode builds on our conversations about CRNA business risk and LLC structure, and helps you understand how protection really works — calmly and intentionally.

You’ll learn:

• Why preparation isn’t panic
• How income growth changes exposure
• The difference between insurance and structure
• Why professional CRNAs rely on systems, not luck

🎧 Educational purposes only. Not personalized tax or financial advice.

Chapters:
00:00 – Introduction
00:58 – Panic vs. Preparation for 1099 CRNAs
01:11 – Why Protection Feels Uncomfortable
01:36 – What Preparation Actually Means
02:03 – How Income Growth Increases Exposure
02:33 – Insurance vs. Structure Explained
02:56 – What Protection Is Really For
03:17 – Professionalism, Not Panic
03:37 – Why LLCs Matter (Next Episode Preview)

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In this episode of Money Moves for CRNAs, Randy Larkin, CPA, explains the hidden business risks CRNAs face when working as independent contractors — risks that malpractice insurance alone does not cover.

This episode continues The CRNA Business Basics Series, building on why 1099 CRNAs are businesses and how structure affects taxes and protection.

You’ll learn:

• Why malpractice is only one type of risk
• What business risk really looks like for CRNAs
• How lack of structure increases exposure
• Why preparation is about boundaries, not fear

This episode is for CRNAs who want clarity, not scare tactics.

🎧 Educational purposes only. Not personalized tax or financial advice.

Chapters:
00:00 – Introduction

01:10 – The Type of Risk Most CRNAs Think About

01:45 – What Business Risk Really Looks Like

02:22 – How Structure Changes Exposure

02:48 – Insurance vs. Business Structure

03:24 – Preparation vs. Panic

03:51 – Why Most CRNAs Have a Structure Problem

04:10 – What’s Coming Next in the Series

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In this episode of Money Moves for CRNAs, Randy Larkin, CPA, explains LLC tax flexibility in simple terms and why it matters so much for CRNAs working as independent contractors.

This episode builds on the last conversation where we explained why 1099 CRNAs are businesses — not just providers. Now, we take the next step and explain how your LLC gives you tax options that W-2 employees don’t have.

You’ll learn:

• How LLCs are taxed by default for 1099 CRNAs
• Why self-employment tax hits CRNAs so hard
• When an S corporation election starts to make sense
• Why LLC tax flexibility matters more as income grows
• Common tax mistakes CRNAs make when they don’t plan ahead

This episode is for CRNAs who:

• Feel anxious about taxes and quarterly payments
• Are making good money but feel unsure about structure
• Want clarity without tax jargon or sales pressure

🎧 This podcast is for educational purposes only and is not personalized tax or financial advice.

Chapters:
00:32 - Why This Episode Matters for 1099 CRNAs
01:37 - What “LLC Tax Flexibility” Really Means
02:11 - How the IRS Taxes LLCs by Default
03:14 - The S Corporation Option Explained Simply
04:03 - Can a C Corporation Ever Make Sense?
04:27 - Why Tax Strategy Should Change as Income Grows
05:59 - What’s Coming Next in the Series

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The IRS, hospitals, and courts all treat independent CRNAs like businesses. The problem? Many CRNAs go 1099 for flexibility or higher pay but keep operating like employees. That gap creates risk, higher taxes, and stress.

This episode kicks off The CRNA Business Basics Series and explains — in plain language — why an LLC matters for 1099 CRNAs.

In this episode:

• Why 1099 CRNAs are considered businesses
• The risks of working without an LLC
• How an LLC protects your personal life from business problems
• When an LLC helps with taxes (and when it doesn’t)
• Why structure = clarity, confidence, and less stress

If you’re a CRNA working independently and want to build smarter money habits, this episode is a must-listen.

Chapters:
00:00 - Introduction
00:32 - 1099 CRNA? The IRS Already Sees You as a Business
01:09 - The Biggest Misconception CRNAs Make When Going 1099
02:18 - CRNAs Work in a High-Risk Profession
03:27 - How an LLC Separates You From Your CRNA Work
04:22 - 1099 CRNA Taxes Explained Simply
05:29 - Cleaner Money, Less Stress for 1099 CRNAs
06:19 - Looking Professional as a CRNA Business Owner
06:54 - Thinking Beyond Today’s Shift (Flexibility & Future Planning)
07:23 - What an LLC Does NOT Do (Important Limits)
07:49 - Final Thoughts: You’re Already a Business Owner

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#CRNA #1099CRNA #CRNATaxes #CRNABusiness #LLCforCRNAs #CRNAFinancialPlanning #MoneyMovesForCRNAs

In this episode of Money Moves for CRNAs, we break down:

• The FAIR Act, which changes how IRS penalties must be approved
• New protections that prevent improper penalty pressure during audits
• Major updates to the U.S. Tax Court that affect small business owners
• How these changes may help CRNAs dispute IRS penalties more fairly
• Why planning before an IRS issue matters more than reacting later

If you’re a CRNA operating as an independent contractor, these updates could affect how audits, penalties, and tax disputes are handled moving forward.

Chapters:

• 00:00 - Introduction
• 00:51 - New Tax Bills Affecting the IRS
• 02:11 - FAIR Act: IRS Penalty Review
• 02:31 - IRS Audits and Supervisor Approval
• 02:59 - Written Approval for IRS Penalties
• 03:09 - How the FAIR Act Protects Taxpayers
• 04:30 - Tax Court Improvement Act
• 05:01 - Subpoenas Before Tax Court Hearings
• 05:38 - Tax Court Deadline Extensions
• 06:47 - What 1099 CRNAs Should Do Now

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#CRNATaxes #1099CRNA #IRSAudit #IRSpenalties #TaxCourt #SelfEmployedTaxes #MoneyMovesForCRNAs

In this episode of Money Moves for CRNAs, Randy breaks down why 1099 forms are often wrong, what happens when a payer forgets to send one, and how to protect yourself from IRS letters and audits.

You’ll learn:
✅ Why many payers report the WRONG income on 1099-NECs
✅ What to do when your 1099 shows money you didn’t actually receive
✅ How to handle payments that arrive in January but get reported for the prior year
✅ What to do when a 1099 never shows up
✅ How to fix the problem even if the payer refuses to correct it
✅ The IRS-approved method to reconcile incorrect 1099s
✅ The most common 1099 mistakes CRNAs make during tax season

This episode will help you stay compliant, avoid paying tax on money you never received, and keep the IRS computers happy — without stressing over payer mistakes.

💬 Question for CRNAs:
Have YOU ever received an incorrect or missing 1099? Tell us your experience in the comments!

Chapters:

• 00:00 - Introduction
• 01:33 - Common CRNA 1099 Errors
• 02:58 - What a Correct 1099-NEC Should Look Like
• 03:41 - The January Deposit Trap
• 04:51 - How IRS Mismatches Actually Trigger Audits 
• 05:11 - When a 1099 Never Arrives — What It Really Means 
• 06:00 - The Fastest Way to Fix a Wrong 1099-NEC 
• 06:40 - Your IRS-Safe Strategy When a Payer Refuses to Fix It 
• 07:13 - The Proof You MUST Save to Protect Yourself 
• 07:45 - Outro

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#1099CRNA #CRNATaxes #MoneyMovesForCRNAs #TaxTips #1099NEC #CRNA #NurseAnesthetistBusiness

If you’re a 1099 CRNA, every drive to a hospital or surgery center could be a tax deduction — but only if you track it right. In this short episode, Randy Larkin from Atlanta Tax Planner reviews three of the best free mileage tracker apps for CRNAs in 2025: Everlance, MileIQ, and Stride.

💡 What You’ll Learn:
• Which mileage apps work best for CRNAs
• How to track drives accurately for tax time
• Tips for using free plans effectively

📌 Related Episodes:
• Ep. 1 – CRNA Tax Tip: How an IRS Audit Erased $36K in Deductions

Listen on your favorite podcast app:
Apple Podcasts | Spotify | Amazon Music | YouTube

More CRNA tax resources → https://CRNAtaxes.com

#CRNA #Taxes #MileageApps #1099CRNA #TaxTips #AtlantaTaxPlanner

Chapters

• 00:00 - Introduction
• 01:05 - Getting Ready for Tax Season 
• 01:38 - No Sponsorships, Just Honest Tools 
• 02:09 - App #1: Everlance Overview 
• 02:52 - App #2: MileIQ Breakdown
• 03:29 - App #3: Stride – 100% Free Option
• 04:00 - Quick Recap: Which App Fits You Best?
• 04:31 - Final Thoughts: Maximize Every Mile
• 04:41 - Outro

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#CRNA #SCorp #ReasonableCompensation #TaxTips #MoneyMovesForCRNAs

Chapters:

• 00:00 – Introduction
• 01:04 – What is reasonable compensation?
• 02:00 – Why It Matters: IRS Focus & Risk 
• 02:30 – The Silver Lining: Financial Planning Benefits 
• 02:53 – How to Figure Out a Reasonable Salary 
• 04:10 – Real CRNA Example & Documentation
• 05:38 – Consequences of Getting It Wrong
• 06:28 – Compliance Checklist 
• 07:17 – Wrap Up

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Chapters:

• 00:00 - Introduction
• 00:18 - Recap: Cutting Taxes and Building a Roth Strategy 
• 00:32 - Today's Topic: Turning Market Dips into Opportunity 
• 01:00 - Play Three: Use Market Drops 
• 02:21 - Why CRNAs Win Bigger with This Strategy 
• 03:38 - Your Three-Part CRNA Tax Playbook 
• 05:00 - Full CRNA Roth IRA Strategy Recap 

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Chapters:

• 00:00 – Introduction
• 00:34 – Last episode recap
• 00:51 – How S-Corps turn taxes into opportunities
• 01:24 – Why taxes don’t have to hurt anymore
• 02:54 – Play One: Save thousands with a Solo 401(k) 
• 05:00 – Play Two: Convert to Roth at lower tax rates
• 07:07 - Closing

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Download your free two-page handout with all seven major tax updates for CRNAs here:
The One Big Beautiful Bill Handout

Chapters:

• 00:00 - Introduction
• 01:14 -  What the OBBBA means for 1099 CRNAs 
• 01:22 - Chapter 1: Tax Brackets Stay Low 
• 01:54 - Chapter 2: A Bigger Standard Deduction 
• 02:42 - Chapter 3: Extra Deduction for Seniors
• 03:20 - Chapter 4: Improved Child Tax Credit 
• 03:57 - Chapter 5: Charitable Giving Made Easier 
• 04:22 - Chapter 6: Higher SALT Deduction Cap 
• 04:46 - Closing & Takeaways 

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Download your free two-page handout with all seven major tax updates for CRNAs here:
The One Big Beautiful Bill Handout

Chapters:

• 00:00 - Introduction
• 01:00 - The Story of QBI Deduction
• 01:50 - Part 1: What taxes look like before 2017
• 03:00 - Part 2: QBI is born
• 04:30 - Part 3: QBI is made permanent after 2025
• 06:55 - Recap
• 08:12 - Outro

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Chapters:

• 00:00 - Introduction
• 01:00 - Step 1 - What is the Backdoor Roth IRA
• 01:24 - Step 2 - After tax contributions only
• 01:49 - When should we do it?
• 02:43 - Pro rata rule
• 03:15 - Timeline for Backdoor Roth IRA
• 04:07 - Recap Time
• 05:01 - Next Episode

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Chapters:

• 00:00 - Introduction
• 01:23 - What is Roth IRA?
• 01:50 - Rule #1: How much money you make matters
• 02:55 - Rule #2: How much you can put in?
• 03:30 - Rule #3: You have to have a job
• 03:56 - Rule #4: No age limit
• 04:21 - Rule #5: Deadlines matter
• 04:44 - Rule #6: Spousal contribution
• 05:07 - Bonus Tip
• 05:25 - Recap time
• 06:08 - Next episode

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A true story with a $36,000 lesson. In this short episode, Randy Larkin from Atlanta Tax Planner explains how one trucker lost big in an IRS audit — and what every 1099 CRNA can learn from it.

💡 What You’ll Learn:
• Why “no receipts = no deductions” still rules
• What records the IRS actually requires
• Simple systems CRNAs can use to stay audit-ready

📌 Related Episodes:
• Ep. 9 – 3 Best Free Mileage Apps for 1099 CRNAs (2025)

Listen on your favorite podcast app:
Apple Podcasts | Spotify | Amazon Music | YouTube

More CRNA tax resources → https://CRNAtaxes.com

#CRNA #TaxTips #IRS #Audit #1099CRNA #AtlantaTaxPlanner

Chapters
00:00 - Introduction
00:53 - Tax court case
01:16 - Keep records
01:37 - Cash payments
02:05 - Travel and Meals
02:32 - Miscellaneous expenses
03:05 - Medical Expenses
03:40 - Action Plan
04:10 - Next Episode

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