As an experienced travel nurse, I want to share the good, bad and the ugly about traveling. This article describes my experiences as a travel nurse. If you are thinking about getting into travel, you should read this article to learn what it is really like.
I have often been asked what travel nursing is like and here is my answer:
“Travel nursing is a wonderful, adventurous, lonely, miserable, exciting, stress-inducing job that is not for the faint at heart, but so fabulous!”
I actually did say just that to a class of nursing students who invited me to be a guest speaker recently, and I believe that every word is true.
Understandably, this description might sound crazy to you, but allow me to explain.
I planned to be a travel nurse from the time I enrolled in nursing school. I knew that I needed to get two years of experience under my belt, so I took the first job that I could with that two-year goal in mind. I got my RN license in January of 2013, and I left home for my first travel gig on January 1, 2015. Life after that was a whirlwind of adventure, constantly starting over, and searching for a new job every 13 weeks. But it was also so great!
I am here to tell you what it is really like to work as a travel nurse, and how to prepare if you would like to take on this unique position. As stated before, you need two years of experience. In some cases, any experience will do. I worked in home health for one year, and I worked in a hospital on a cardiovascular step-down unit for one year. My first travel assignment was on a medical / surgical overflow unit. This job was easy to get, but my experience didn’t quite prepare me for what I was getting into. I went from a nurse to patient ratio of 1:4, but then jumped into a new position where I suddenly had to learn how to juggle 7 patients with 7 different diagnoses. Needless to say, I was overwhelmed, but I stuck it out and learned how to adapt. I recommend getting a full two years experience in a hospital before taking a travel assignment, and I also suggest that you take a travel job in a similar unit at first. This will give you time to adjust to the challenges of being a travel nurse.
The one year of experience that I had in cardiovascular step-down was enough to land travel jobs in this area, which I have done as often as possible, but I can’t go into any level higher than this because no hospital wants to train a travel nurse, which brings me to the next topic.
In short, travel nurses get little to no training or orientation. That first assignment gave me a full week of hospital orientation, just like all their other new employees. On the unit, I was only given 2 days of orientation, which I later found out was a lot.
As a travel nurse, you are expected to be ready to go almost upon arrival. I have been given as much as 2 days of unit orientation and as little as 4 hours. This time is intended to give you time to learn the documentation system, and pretty much nothing else. You are expected to be proficient in the department that you are contracted to work on. The first week or two are always sort of rough because you must learn where everything is located; you have to get acquainted with new doctors and other staff; you need time to get used to a new EMAR, and you must look up every hospital policy for everything you do. It is challenging, but I found that I got better at it with every assignment.
Because travel nurses are meant to be a quick fix to staffing shortages, you will not be trained in a new unit. So, if you hope to work in the ER, get that training before you start to travel. The same is true with ICU, pre/post-op, cath lab, and any other specialty. The only way to get a hospital to train you in these areas is to take a full-time job and plan to work there for a while.
I may have given a glum impression of travel nursing up to now, but there are some big reasons why travel nursing is completely wonderful. First, you get paid well, in most cases. Travel nurses help hospitals in times of staffing need, and they pay a premium for this. Because you must travel away from home, your compensation includes room and board reimbursement. This part of your pay is tax-free, so you get to keep more of your paycheck.
The pay can be a bit confusing at first because there are several factors to consider. You need to make enough money to keep your bills paid, and you need to cover a place to stay while on assignment. While most agencies offer to provide you with a furnished apartment or hotel, I found that taking the stipend and making my own living arraignments to be more profitable. Some companies will try to underpay you, so you must do your homework before you sign the contract. Make sure that you research what housing will cost and be sure to negotiate with any hotel that you may want to use. You will be there for 13 weeks or more, so you can usually get a pretty nice discount.
Another reason (my favorite) that travel nursing is great is that you get to travel. Imagine being on vacation all the time! That is what I felt like. I worked my 3 days per week, but on my days off, I was in an all-new area to explore. Travel nursing allowed me to see new parts of the country and make good money while doing so. Do you have a dream destination? Travel nursing will allow you to immerse yourself there for over 3 months! My husband and I had so much fun during our travel nursing years.
Travel nursing also allows you to get exposure to many different people, hospitals, working styles, and ways of doing things. You get to meet people all over the country and many will become lifelong friends. Though I have had some lonely experiences where the staff was “cold” to travelers, most places welcomed me open heartedly.
One other downside to travel nursing is the uncertainty of the next assignment. I mostly traveled to areas where I could spend time with my family, so I was always looking for very specific areas to work in. For this reason, I often didn’t know if I would be working until the last minute. For people who just want the adventure of traveling the country, this will not be such a challenge. For me, it was stressful at times, but more flexibility on my part would have remedied this easily.
I loved the 5 years I spent as a travel nurse, even with the challenges that come with it. Sometimes I want to take a new contract again (which I can do any time I want). I grew as a nurse by being exposed to so many different hospitals. I also learned to be self-reliant, adaptable, and open to new experiences. I have experience with just about every EMAR there is, and I know that I could learn a new one quickly. I have met wonderful people and seen wonderful places. If you have the itch to try out travel nursing, I highly suggest that you go for it!
One last tidbit: if you are worried about getting to a new assignment and hating it, the motto of the travel nurse is: "I can put up with anything for 13 weeks, 12 hours at a time." I hope that this was helpful to those who want to know the truth about travel nursing.
Happy travels!
8 hours ago, NedRN said:Wow, quite the potpourri of misinformation has suddenly been posted.
All travel companies that offer "tax advantage", a benefit for the added expenses of working away from home. They document minimal due diligence on their part with a housing form that they commonly will tell a new traveler to just use a relative's address and you will get the benefit. Some also use a 50 mile internal guideline for the same minimal due diligence to skate by the IRS. Agencies are not required to establish that travelers have actual tax homes as might be established in Tax Court, they have a business to run. They simply have to have minimal internal rules that back up the traveler's contention that they do have a legitimate tax home. The agency is not going to appear at a traveler's audit, nor have any liability to pay the traveler's back taxes, interest, and penalties.
50 miles is not a rule appearing in the Tax Code in regards to business expenses (which is what tax advantage is based on) and in no way "technically legal". There is a rule about moving expenses can be applied if you move to at least 50 miles from your current tax home, but if travelers "move", then they are not working away from home. Get it? Lots of permanent employees live farther than 50 miles from work, or travel more than an hour each way even if a shorter distance. Why would a travel nurse commuting from home be eligible for tax benefits and a permanent employee in the exact same circumstances not be eligible? Are we that credulous or greedy to ignore facts?
Thanks! And wow! I always believed my recruiter when they said that you had to travel at least 50 miles. It never really made sense to me from a "double expenses" stand point. Thanks for all the info and clarification.
I would suggest for those interested in learning more about tax homes to read the articles on PanTravelers or TravelTax. There are a number of possible fatal mistakes. Too much content to describe fully here, but since myoglobin is defending his/her strategies, let me point out some issues that will arise in an audit. If you are paying rent at your tax home, it must be something approaching a fair market price and you must have receipts. In addition, you must have more ties to the area than just a receipt. If you actually live there, you will have your car and driver's license listed there and have local activities and usually local health care providers. Voter registration?
Yes, perhaps most first level auditors will not catch this, and perhaps most offenders will not be caught. But an audit potentially can wipe you out and perhaps through you into debt (depending on how long you have gone wrong). Definitely not worth the risk to be the one to be caught! You may not have heard of this happening (few will admit to an audit on social media), but if you ask a travel tax professional, they will scare the scrubs right off you.
1 hour ago, tinyRN72 said:Thanks! And wow! I always believed my recruiter when they said that you had to travel at least 50 miles. It never really made sense to me from a "double expenses" stand point. Thanks for all the info and clarification.
Your recruiter was telling you the agency line in that they would not place you within 50 miles because they would then not be able to give you tax free stipends, at least on the check if not at the end of the year. Unfortunately, minimum internal agency standards are a race to the bottom as agencies recognize that a new (or even experienced) traveler will go to a competing agency if they pay more net money.
50 miles is kind of a moot point for placement anyway as many hospitals have rules about accepting travelers who live within say 200 miles of them. They don't want to pollute the local labor market by paying some nearby nurses more money as travelers than staff.
15 minutes ago, NedRN said:Yes, perhaps most first level auditors will not catch this, and perhaps most offenders will not be caught.
Just to add a bit more to the moral arithmetic here, most shoplifters don't get caught either. That doesn't make it right, and the consequences to a registered nurse could be severe if caught shoplifting - like losing your license to practice. That is a less likely consequence for tax home fraud absent criminal charges (rare indeed), but the potential for life changing financial damages are real. Not sure that most nurses would go ahead and play the odds on either behavior knowing the real risks involved.
3 hours ago, NedRN said:I would suggest for those interested in learning more about tax homes to read the articles on PanTravelers or TravelTax. There are a number of possible fatal mistakes. Too much content to describe fully here, but since myoglobin is defending his/her strategies, let me point out some issues that will arise in an audit. If you are paying rent at your tax home, it must be something approaching a fair market price and you must have receipts. In addition, you must have more ties to the area than just a receipt. If you actually live there, you will have your car and driver's license listed there and have local activities and usually local health care providers. Voter registration?
Yes, perhaps most first level auditors will not catch this, and perhaps most offenders will not be caught. But an audit potentially can wipe you out and perhaps through you into debt (depending on how long you have gone wrong). Definitely not worth the risk to be the one to be caught! You may not have heard of this happening (few will admit to an audit on social media), but if you ask a travel tax professional, they will scare the scrubs right off you.
I'm not sure that I meet most of your criteria even now (and I've lived here for 10 years in Florida).
a. I'm not registered to vote (don't want to get called for jury duty).
b. I do not have health insurance. I go to CVS if sick.
c. I have no relatives or friends save for my SO.
d. I have no vehicles in my name (they are in my SO's name) all paid and all old (both minivans).
e. The rent is in my SO's name.
f. My bank account is still from Indiana (never changed it when we moved).
g. My school is in Indiana.
h. Only my job, my driver's license, and my credit cards, my Anytime Fitness (which is national) have Florida as a home address, but all of my transactions are online (including payment). My "plan B" has always been to "live in my car" (well I don't really have a vehicle, but I figure that my SO would let me have our 2001 Honda with 400K miles for pretty cheap given that it's Blue Book value is about $300.00 it runs perfect) if things went South with my SO and to work as a travel nurse and use my Anytime Fitness membership to take showers.
i. All utilities are in my SO's name.
Keep in mind I'm not a travel nurse and don't plan to be, but I'm not sure I would meet your criteria even though I'm legitimately a Florida resident. Indeed, if I took Dave up on his $200.00 per month offer I would probably have "more ties" than I do now since I would at least have one friend who's house I actually visit. Also, Travis (my friend referenced above) actually lived with us the first year he/we moved down here from Indiana despite not paying rent. Also, wouldn't the "audit defense" that I pay for with Turbo Tax defend me? Also, doesn't fraud require intent? I have no intent to defraud anyone Dave would actually give me a room for $200.00 per month and let me get mail (and probably feed me if I asked him to and threw in a few cases of beer and drove when he and Patty went out drinking once in awhile when I was in town). Has anyone ever been prosecuted for this in the context of travel nursing with facts that even roughly resemble those described above? Also, I have no assets only debt for the IRS to take and if they put me in prison I would frankly probably eat better, and exercise more. Given that I owe 160K in student loan debt it may be my best shot at a retirement plan.
My point is that most people who do travel nursing will be in one of two situations. They own a home in which case they would want to rent the home both to offset expenses and to ensure that it doesn’t sit empty. Conversely, like me they may be renters and are not going to pay rent and let their place sit empty if they have a choice. You may even have someone like my buddy Travis who really does live somewhere but is going through a rough time and not paying rent, but who really does live at his home base. In all three of these situations these people will take as much of their travel pay as possible as expense reimbursement to minimize taxes. I’ve probably talked to a hundred travel nurses over the years and they all did this (three even avoided about 150k in student loans because their taxable income always showed low enough that they didn’t have to pay and the loans were eventually forgiven despite earning over 100k during that time each year as travel nurses.). Based upon what you are saying most travel nurses would be getting convicted of tax fraud, yet I’ve never heard of even one have thus happen.
58 minutes ago, NedRN said:Any crime works for the perpetrator if they don't get caught. Thus it is morally acceptable? I would suggest you don't say anything further, you have mentioned helping one fraud, and have pointed out three others.
What fraud are you talking about? There was no fraud in my friend Travis living with me (he wasn't even working as a travel nurse). My buddy Dave made a serious offer to rent a room at his house for a couple hundred a month which I would presumably return to between assignments (again no fraud). Also in the post above I wasn't suggesting that I didn't have a legal tax home only that the examples that you cite to have one (friends and family, automobiles, and local ties ) don't apply to everyone. The other people were just random nurses that I spoke with over the years at work who maintained everything they did was legal and had been run through their accountants. I am a curious person and I like to know how things work and there is no question that I won't ask and no angle that I won't contemplate to get greater understanding of a situation. This is real simple what do you suggest that the "proper" is to get paid as a travel nurse? Every travel nurse company of which I am aware pays a portion of the pay as non taxable living expenses and usually a lessor amount as wages (which are taxable). Have you worked as a travel nurse or known others that have? What method did they utilize that passes "legal" muster from your perspective?
On 7/5/2019 at 10:10 AM, myoglobin said:The friend that I was referencing would actually designate a "room" as ours. Also, we would be able to use his address. Technically, we could return there anytime we wanted and when we actually "did" return home we would rent a different home where we would actually stay (which was bigger than a single room). I might be technically illegal, but I doubt if this is ever actually prosecuted especially if there is an actual room that you are paying for that matches an actual address where you can receive mail. I've done this for a friend from Indiana who moved to Florida with us (he was supposed to pay us rent, but never did) and I still let him have a room and mailing address for a year (and gave him a good reference for several jobs, and also fed him when he was back on assignments and even helped him when his car broke down, and found him two local nursing jobs) .Much like having a nanny or baby sitter where you don't take out taxes (also technically illegal and other than costing a few political nominees in the past their jobs during congressional hearings has little actual downside, and potentially benefits the employee via higher wages, albeit at the cost of Social Security benefits and work comp).
What you are describing is fraud. Not even ignorance of the law could be claimed here. You clearly know it is wrong.
If you want to learn more, I've already cited several authoritative sources.
myoglobin, ASN, BSN, MSN
1,453 Posts
The friend that I was referencing would actually designate a "room" as ours. Also, we would be able to use his address. Technically, we could return there anytime we wanted and when we actually "did" return home we would rent a different home where we would actually stay (which was bigger than a single room). I might be technically illegal, but I doubt if this is ever actually prosecuted especially if there is an actual room that you are paying for that matches an actual address where you can receive mail. I've done this for a friend from Indiana who moved to Florida with us (he was supposed to pay us rent, but never did) and I still let him have a room and mailing address for a year (and gave him a good reference for several jobs, and also fed him when he was back on assignments and even helped him when his car broke down, and found him two local nursing jobs) .Much like having a nanny or baby sitter where you don't take out taxes (also technically illegal and other than costing a few political nominees in the past their jobs during congressional hearings has little actual downside, and potentially benefits the employee via higher wages, albeit at the cost of Social Security benefits and work comp).