Skip to content 
Thermodynamics vs. Your Retirement Portfolio
The universe is rigged against your wealth (here’s proof)
Dr. Chen, physics isn’t just theoretical—it’s actively sabotaging your finances. The Second Law of Thermodynamics states that energy spreads out and systems become disordered without constant input. Your retirement portfolio? Ground zero for this universal law.
How Entropy Attacks Your Wealth
Your student loans grow exponentially while you focus on patients. Retirement contributions get skipped during busy months, costing you years of compound growth. Tax deadlines sneak up annually, costing you thousands in penalties. Meanwhile, subscription services multiply like bacteria—$15 here, $29 there, until hundreds vanish monthly.
Current market volatility amplifies this chaos. Every financial headline contradicts the last one. Your brain, already overloaded from long days of seeing complicated patients, defaults to financial paralysis. Entropy wins.
The Physics Problem Gets Worse
High income creates a dangerous illusion. You assume money problems will solve themselves because you earn well. But entropy doesn’t care about your salary. Without active intervention, financial disorder accelerates. Your colleague earning half your income might retire comfortably while you’re still paying off loans at 50.
Fighting Back Against Universal Law
Beat entropy with systematic energy input:
- Automate everything: Direct deposits, investments, bill payments
- Monthly financial check-ins: Review accounts like reviewing patient charts
- Emergency systems: Insurance and emergency funds before entropy strikes
Physics may be universal, but smart systems can outsmart chaos.
Want to win this battle? Our blog teaches physicians how to build entropy-resistant financial systems that actually work. Check out this week’s articles.
Jorge Sanchez, MD
Naples, Florida
The Sunday Best (06/08/2025)
America is running out of doctors. Congress must step up: Thousands of incoming medical residents unable to enter the U.S. are just the start of the problem.
Brain drain has real-world consequences; Rising mortality rates are impacting lower-income and lower-education households more, even in high-income societies. Will this be the future of America?
Economists are thinking that maybe universities should just split in two: one track for practical training—business, engineering, medicine—and another for everything else. It’s provocative, but it reflects something a lot of people are feeling: we don’t know what we’re preparing our kids for anymore.
Last week, Elon Musk officially departed from his position in the administration, battered, bruised, desperately in need of therapy, and the perfect plaything for comedians. Over the past 72 hours, however, things have taken a turn for the worse in their relationship.
It’s a buyer’s market in Florida right now. But it’s not just Florida. This is turning into a nationwide thing. This is the first time in years that homebuyers have received some good news.
Closing the gap between lifespans and so-called healthspans can help build public support for later retirement, because fewer years are spent with serious illness or disability. It can also benefit government finances by reducing pension expenses and costs associated with chronic disease and elderly care, while ensuring workers can keep working.
Christine Benz, Morningstar’s director of personal finance and retirement planning, recommends taking a preemptive approach as you get closer to retirement. Here are five things to do today if you want to retire in five years.
For those of you who made it and are mentally prepared to enter your golden years, a new challenge lies ahead — how do you convert your accumulated savings into a sustainable income stream that will last for the rest of your life?
Some good news? We might secretly be winning the war on cancer.
Over the last 30 years, many countries have instituted pro-natalist policies – basing benefits on the number of children, providing allowances for newborns, or offering child tax credits. The evidence suggests that these efforts haven’t worked, and may not work for America’s declining birthrate.
In case you missed these from us:
Undervalued: Why Primary Care Physicians Deserve More
Summer Travel Is Cheap Again: Here’s How To Make The Most Of It
1 thought on “The Sunday Best (06/08/2025)”
Interesting parallel, but I believe the Second Law of Thermodynamics is a bit of a reach in this case. While it is true that things tend to get out of hand, personal finance is about choices and actions rather than natural laws. Monkey Mart