The Wall Street Physician Blog in 2018, And An Announcement

December 31st, 2022
103

The Wall Street Physician blog had over 150 posts and more than 408,000 views in 2018 (an increase from 107,000 views in 2017). Thank you so much for making the blog’s second year a success.

To close 2018, I wanted to summarize many of the Wall Street Physician’s blog posts from this year in a single post. Feel free to browse around the links below and check out some of the articles you might find interesting. If you want a list of all blog posts from the very beginning, click here.

Investing

There’s been a lot of talk about the bull market and its impending end. I wrote about what to do if you missed out on the bull market, how to prepare for the next recession, and the meaning of an inverted yield curve. As the markets became turbulent at the end of 2018, I wrote about what to expect in volatile markets and five reasons why you should continue to invest in choppy markets.

A big emphasis on the blog was to encourage investors to turn off the financial news, because checking your investments shouldn’t change how you invest. Watching the financial news, especially in bear markets, makes it more difficult to stay the course. And if you choose to sell during volatile markets, you reduce your time in the market and lower your expected portfolio return.

I’m a big advocate for index investing, and I like to argue against other alternative investing strategies. In 2018, I discussed merger arbitrage, dividend stocks, managed futures, tax-adjusted asset allocation, large-cap growth tilts, and put options as a portfolio hedge.

I reviewed several mutual funds and ETFs, including Vanguard Total Stock Market Index Fund (VTSAX) and Fidelity Total Stock Market Fund. I also reviewed Fidelity’s new ZERO expense ratio index funds, including FZROX and FZILX as well as FNILX and FZIPX. I also explained how Vanguard, Fidelity, and Schwab make money providing very-low or zero cost mutual funds.

Finally, I continued my profiles of investors who have beaten the market, including high-frequency traders. I then summarized the Wall Street Profiles series with a post about the seven types of investors who can beat the market.

Personal Finance

In 2018, I began to talk a little about financial advisors, writing about the conflicts of interests of financial advisors, fee-for-service versus concierge financial planning, the direction of fees in financial advising, and reasons to hire a financial advisor.

I also gave introductions to life insurance and disability insurance, and discussed the role of ladders when purchasing term life insurance.

Medical school is expensive and I brought in two individuals to debate whether going to an accelerated BS/MD program is worth it. I also gave my opinion of whether it was still worth it financially to go to medical school and whether it was worth it to go to an expensive prestigious medical school versus a cheaper, less-prestigious one.

Physician financial literacy is low, and with rising medical education costs, doctors can’t afford to make as many financial mistakes as previous generations. I proposed a simple solution to quickly ingrain key personal finance principles into our medical students and residents. It certainly isn’t by running investment contests.

Retirement

Investing in tax-deferred and retirement accounts can be very valuable. I discussed the value of a Roth IRA, and why you should avoid investing in bonds in your Roth IRA. I wrote about the Health Savings Account (HSA), an account with unique tax advantages over a 401(k) or Roth IRA. I also wrote about 529 plans, the dominant tax-advantaged account used by parents to save for college.

The financial future is full of uncertainty, and I emphasized the value and importance of flexibility when planning for retirement.

Many graduating residents and fellows contributed to a 401(k) during training. I discuss the considerations when deciding whether to convert that 401(k) to a Roth IRA after training.

Financial CME Quizzes

Finally, I began a series of quizzes to test your knowledge of personal finance and investing. Click on the following links to take Quiz #1, 2, 3, 4, 5, 6, 7, 8, 9, and 10.

Blog Announcement

After careful consideration of my goals with the Wall Street Physician blog, I’ve decided to stop posting on a regular schedule for 2019. I’ve said most of what I want to say about physician personal finance and investing, and all of the 300+ posts on the blog will continue to be available for at least the next year. I plan to still continue to write on the blog, but it will be on a much less frequent basis. Many thanks to all of you, the readers, for making the Wall Street Physician blog a success (>500,000 views since January 2017).

I wish all of you a happy new year, and I hope you’ll continue to read the Wall Street Physician blog in 2019 and beyond.

What do you think? What was your favorite post of 2018 (on this blog or others)?

103 COMMENTS

  1. Pretty bummed about your less frequent posting announcement. I understand the time it must take to cultivate the ideas and put them online. I appreciate what you have done for the medical community and wish you the best with you and your family! Happy 2019 AND Thank you!

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  2. Disappointed as well about the loss of regular blogs as I find this site to have valuable insights. Perhaps consider doing updates to your blogs from a year or 2 ago. For example, your discussion of FSTVX – this fund no longer exists & the replacement FSKAX is closed to new investors. What is a good alternative?

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  3. The quality and breadth of what you have written in such a short period of time is monumental. I have often marveled at it, actually. Hopefully, we will get the occasional post from you, but thanks regardless!
    -LD

  4. Congratulations on such a jump in blog traffic. It is no small feat running a blog for a year let alone two and to do it while you were still a resident is phenomenal.

    I truly enjoyed working with you on the multi platform collaboration viewing perspectives from various physician generations. It turned out far better than I could have envisioned it.

    Best of luck with whatever you do. Hopefully less regular posting still implies a periodic post to keep us up to date.

    Have a wonderful 2019 and happy new year

  5. WSP,

    Your work ethic has set a high bar for the rest of us in this virtual doctor’s lounge. Thank you for the considerable effort put forth at a time when competing demands for your time are greater than most. While it must be comforting to step out when you’re on top of your game, it will be sad to see your voice grow more quiet.

    With appreciation,

    CD

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  6. Thanks for all the great posts you’ve had over the past few years. I hope that a hiatus will recharge the battery. At the very least, I hope you resurface during the next market crash to share your insights and be a voice of reason when everyone else is losing their minds.

    Best of luck,

    SHS

  7. Hmmm interesting…..

    You have created an amazing blog. I’m not sure you want to share more about how you came to the decision to cut back, but that would be helpful to the rest of us.

    I was jealous of your writing, knowledge, traffic, and technical blog site. Now I am transitioning to being jealous that you have less pressure and a less hectic posting schedule.

  8. Thank you for all you’ve done. As a73-year-old retired position I appreciate all your insight. Although I’ve done well I wish you were available when Ira younger man. Your passion and Carring about yourself physicians Well being speak loads about your character. Two things in medicine you can’t teach character and judgment thank you again. An old surgeon

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    • LOST BITCOINS RECOVERY TESTIMONY

      Being a scam victim can be depressing, you were given empty promises. They usually stop replying after achieving their aim which hurts even more, i have been there too as I was too ambitious and wanted to get back my lost Btc worth $412,000. I never thought I would be getting back a dime back and already lost hope until I contacted this Verified Recovery expert Morris Gray which was with a leap of faith, as I wasn’t going to go down without a fight. I was able to recover a significant part of my BTC through these recovery experts. Do not brood alone, make a move too. Write to him on email at ( MORRIS GRAY 830 @ GMAIL COM ) or whats app +1 (607) 698-0239 for Quick responds.

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  28. Good day everyone! I’m Christina Strickland from Dearborn, Michigan, USA. I wish to share with you all about Wardrivers Cyber. A few months ago, I was putting my money into an online BTC investment plan and I got scammed of about $47,000. I was in debt and financial loss until I came across an article about Wardrivers Cyber. I reached out to them about my situation and they were able to recover all the funds I had lost to the swindler. I’m full of excitement and thought it would be best to share this news with everyone out there who might be in similar situations. I know how shameful it is to lose money to swindlers but with a good and reliable company such as Wardrivers Cyber, there is a 100% guarantee your money will be recovered back. Their direct email is wardriverscyberservice(@)techie.com

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      Being a scam victim can be depressing, you were given empty promises. They usually stop replying after achieving their aim which hurts even more, i have been there too as I was too ambitious and wanted to get back my lost Btc worth $412,000. I never thought I would be getting back a dime back and already lost hope until I contacted this Verified Recovery expert Morris Gray which was with a leap of faith, as I wasn’t going to go down without a fight. I was able to recover a significant part of my BTC through these recovery experts. Do not brood alone, make a move too. Write to him on email at ( MORRIS GRAY 830 @ GMAIL COM ) or whats app +1 (607) 698-0239 for Quick responds.

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  32. I almost lost my life after falling victim to a scam that went on for weeks, I got contacted by a lady pretending to be a Forex trader account manager, told me I’ll make huge profits if I invest on her platform not knowing that I was being targeted, I started making investments through bitcoins until it was time to withdraw and they insisted I had to pay 20% to withdraw my money and it was then I knew I was being swindled. Unfortunately, I had already put $90,000 into this investment scam. While I was wallowing in depression, I came across an article about a company Cyberwall Fire that can help me recover my money, I didn’t hesitate to contact them, they took some information from me and to my surprise, all my money was recovered within 48 hours. I’m truly grateful to Cyberwall fire for their professionalism in helping me recover my money. If you have lost money to any of these scams, I’ll recommend them to you. Their contact: Cyberwallfire(@)techie.com

  33. Hi everyone, it so nice to know that there are still real spell caster out there, just when i thought my chance of wining the lottery is gone then Dr Donald Showed up, i am a 67 years old woman and i spent 15 of my good years playing the lottery hoping i would win, i worked as a nurse but couldn’t save enough so i thought lottery wining could be another shortcut to successes, i invested all my time my money and i became broke, at a point i was devastated and almost gave up in life till i met a man called Dr Donald, i met him trough online and i was actually scared cause i have never done a thing like that before, but i decided to give it a try, i did all he asked of me still doubting his capability, after all he gave me a winning numbers to play which i did and to my greatest surprise i won, it was all like a dream to me but was real so i promise to share his good work so others can also reach out to him for help, trust me he is the best i advice you to try him and i promise you won’t be disappointed.
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    • LOST BITCOINS RECOVERY TESTIMONY

      Being a scam victim can be depressing, you were given empty promises. They usually stop replying after achieving their aim which hurts even more, i have been there too as I was too ambitious and wanted to get back my lost Btc worth $412,000. I never thought I would be getting back a dime back and already lost hope until I contacted this Verified Recovery expert Morris Gray which was with a leap of faith, as I wasn’t going to go down without a fight. I was able to recover a significant part of my BTC through these recovery experts. Do not brood alone, make a move too. Write to him on email at ( MORRIS GRAY 830 @ GMAIL COM ) or whats app +1 (607) 698-0239 for Quick responds.

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  43. How To Recover Stolen Cryptocurrencies And Stolen Bitcoin

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  44. Hello everyone, Wizard Wierzbicki Programmer are the only true and guaranteed cryptocurrency recovery professionals. I want to tell you about how I almost had my life ruined by a man who conned me out of $135,000 after I fell for a romantic hoax. I fell for this con, and it damaged my connection with my family. My life savings were stolen by a scammer I met on a dating website while he seemed to be in trouble, and I assisted him numerous times since I was continually sending money through Bitcoin. As a result, I had to declare bankruptcy. I borrowed money to help him, but I later learned that he was a con artist. After a buddy of mine showed me an article about Wizard Wierzbicki Programmer Website and Emai: (info @ wizardwierzbicki.com) services and how they can help you recover your stolen Bitcoin from these con artists, I was able to get through everything. I got in touch with them, and to my astonishment, they quickly retrieved the most of what I had lost. If you find yourself in such a predicament, get in touch with them right away. via WhatsApp:+18452078532 WhatsApp:+49 1575 8718600 Email: WIZARDWIERZBICKIPROGRAMMER@GMAIL.COM All Thanks to Wizard Wierzbicki Programmer

    • LOST BITCOINS RECOVERY TESTIMONY

      Being a scam victim can be depressing, you were given empty promises. They usually stop replying after achieving their aim which hurts even more, i have been there too as I was too ambitious and wanted to get back my lost Btc worth $412,000. I never thought I would be getting back a dime back and already lost hope until I contacted this Verified Recovery expert Morris Gray which was with a leap of faith, as I wasn’t going to go down without a fight. I was able to recover a significant part of my BTC through these recovery experts. Do not brood alone, make a move too. Write to him on email at ( MORRIS GRAY 830 @ GMAIL COM ) or whats app +1 (607) 698-0239 for Quick responds.

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  47. Hello everyone, I’m Barry Wheeler from Sydney, Australia. I’m 64 years old and I own a Carwash business. A few months back, I invested 390,000 AUD worth of Bitcoins & Ethereum into the cryptocurrency platform CryptoXStock and later found out this platform is a scam and has defrauded other people including myself of our money. I fell sick and was in the hospital depressed for weeks. I got in touch with the authorities and there was nothing they could do to help me get back my money until I saw an article online about Mothership Service, a cyber security expert who has tremendous reviews of how they have helped victims of internet scam to recover their money, I didn’t hesitate to contact them and provided all the information they needed. To my surprise, Mothership was able to recover my money and trace down those scammers in less than 72 hours. I’m truly grateful for the services of Mothership service and I’m recommending them to every victim of an internet scam who wishes to recover th

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  49. HACKANGELS ARE CURRENTLY HELPPING CRYPTO SCAM VICTIMS RECOVER THEIR FUNDS.Hello everyone My name is James William, and I was a victim of a scam. Before I learned about HACKANGEL, a business that offers recovery services for all your money stolen through cryptocurrency, I wasn’t sure it was possible to get back money that had already been sent out through bitcoins, USDT, and other cryptocurrencies. Just like other victims, I invested my resources in an endeavor in the hopes of earning substantial profits until I was informed that I would have to keep doing so even in the absence of any gains. After contacting HACKANGEL, I was able to retrieve everything, and I’m sincerely appreciative that there are people like them to assist put an end to all these investment crooks.

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  55. I’m Richard Tate from Lincoln, Nebraska. I retired from my truck business some months back, but I decided to invest some part of my money into the stock market, I found a broker online who told me about Cryptocurrency and Bitcoins. I started small and when I saw my profits going up, I invested even more money which was in Bitcoins to the tune of about $178,000. I tried withdrawing my investments but I couldn’t access my wallet and I found out that I have been logged out everywhere. I almost lost my life and my health was deteriorating until I saw a post about SPYWEB CYBER SERVICE, a funds recovery company. I contacted SPYWEB the following day and met all their requirements, to my surprise, SPYWEB CYBER SERVICE was able to recover all my investments in 72 hours. This has come to my attention that there are so many other people who are going through similar issues, I highly recommend SPYWEB CYBER SERVICE for all your fund’s recovery. SPYWEB CYBER SERVICE can be contacted via E-mail: SPYWEB(@)CYBERDUDE.COM & CONTACT(@)SPYWEB.TECH

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  62. I want to share my testimony on how i got the blank ATM card. I was so wrecked that my company fired me simply because i did not obliged to their terms, so they hacked into my system and phone and makes it so difficult to get any other job, i did all i could but things kept getting worse by the day that i couldn’t afford my 3 kids fees and pay my bills. I owe so many people trying to borrow money to survive because my old company couldn’t allow me get another job and they did all they could to destroy my life just for declining to be among their evil deeds. haven’t given up i kept searching for job online when i came across the testimony of a lady called Judith regarding how she got the blank ATM card. Due to my present state, i had to get in touch with Hacker called OSCAR WHITE of oscarwhitehackersworld@gmail.com and he told me the procedures and along with the terms which i agreed to abide and i was told that the Blank card will be deliver to me without any further delay and i hold on to his words and to my greatest surprise, i received an ATM card worth $4.5 million USD , All Thanks to OSCAR WHITE , if you are facing any financial problem contact him asap email address is oscarwhitehackersworld@gmail.com

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  63. I’m very pleased with the services of WARDRIVERS CYBER SERVICE, this team of professional and diligent hackers was able to raise my credit score and got me out of financial distress. My credit score was below average and I couldn’t meet up with my bills but after coming across an article online about WARDRIVERS, I was able to raise my credit score to 810. WARDRIVERS provides the best professional services and I’m grateful to them for helping me out of my financial troubles. You can reach them via email: Wardriverscyberservice@techie . com

  64. Do you know that with MasterCard & Debit you can withdraw cash from any ATM machine !!! , we provide programmed ATM cards that can be used to raise cash in ATMs or push, shops and businesses. We sell these cards to all our customers and interested buyers worldwide, the cards have a daily withdrawal limit of $ 5000 at ATM and up to $ 100,000 spending limit in the stores. Visit our website on noveltydmvexperts.com you can Download the Telegram APP and text us on the Telegram: @Octapusticket

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  65. Here At the Octapustickets group of Experts, We are Specialised in the production of valid database registered documents for all countries especially documents like Fake birth certificates, Fake Birth certificate with raised seal , Realistic fake birth Certificate . We are the best fake birth certificates providers online with at-least 55million copies circulating worldwide. Here , you can easily buy fake birth certificate at an affordable rate. We have clients who order fake birth certificate Canada since they live overseas and can’t have the opportunity to get one done . Most people today, like the use of novelty birth certificate for their own personal reasons . In USA , the demand in various cities for fake birth certificate is very high. For those in CA they like to use fake California birth certificate for their document approvals at the offices which always goes through. People also search for fake birth certificate Texas and fake birth certificate New York since these three states are more easy to use their birth certificate without getting into trouble.

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  66. Almost every day, there is different news of scams all over the world. Here’s just a piece of advice I can give, we should be careful of all these so-called cryptocurrency & investment companies and beware of Forex trading. I was once a victim who almost lost everything I worked for in my life. Luckily, I was rescued by Astraweb Cyber Service, an organization that helps track and recover stolen BTC or any type of cryptocurrency. Please be careful out there and contact them immediately to get back your lost funds. For more info contact them through E-mail:astraweb@cyberdude.com

  67. Lost Your Cryptos? You Want To Recover Your Stolen BTC? Contact Recovery Masters

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  68. Bitcoin Scams are becoming more sophisticated and many people fall victim to them. This can be very upsetting, but don’t feel ashamed – if you’ve been the victim of a bitcoin scam or usdt scam and it’s important to report it and share it with friends and get the help you need.There is a new Agency set by the Government to help people recover their stolen funds from scammers or Bitcoin , Usdt other cryptocurrency if you have ever been a victim of scam and you wish to recover your Money please visit(ghostchampionwizard@gmail.com ) the genuine process to retrieve your stolen/scammed funds. Sometimes in early January I lost about lb287,500 to a fake broker who promised me 100% profit on my investment monthly only to discover few days ago it was a shady investment and I became worried my money is gone until I got referred to GHOST CHAMPION HACKING SERVICES by my close friend and this team was able to totally recover my stolen funds within few hours I hired them This has been the best service I ever got on the internet and this agency worth the positive recommendations they got on here. Get in touch now if you need similar help at WhatsApp at+1(202)495 0665
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  69. I’m a professional in all kinds of hacking services, which leads me into giving out a blank ATM card to all individuals & serious minded people only, We have help so many people and make them rich, this is real and guarantee sure our Atm will be attached to any serious buyer.,.

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  72. Spyweb Cyber is a cryptocurrency recovery company with a credible reputation, I wasn’t fond of their service until I was introduced to them by my colleague at work after I lost access to my crypto wallet. I’m really glad I came across such a wonderful team who has helped me recover my $788,000 worth of Bitcoins within 72 hours. I’m grateful for their trustworthy and experienced team who took their time to deliver top-notch service. Are you looking to recover your cryptos? Spyweb Cyber is the answer to your problems.
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  73. There are too many fraudsters claiming to be crypto brokers, they try to trick you with sweet words and promises in line of investments. They’re just fooling you and these are some bunch of thieves circulating in this rocket. They are scammers and liars. But reaching out to Recoverypro247 @ Gnail COM was the best thing ever because they helped me recover all my investment back in just 48 hours of providing vital details on how all the transactions went through.

  74. I’m a professional in all kinds of hacking services, which leads me into giving out a blank ATM card to all individuals & serious minded people only, We have help so many people and make them rich, this is real and guarantee sure our Atm will be attached to any serious buyer.

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    1,000 USD daily for 2 weeks cost 300 USD
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  75. I saw an opportunity to invest in cryptocurrency about two months ago and I took my chance. I contacted a broker who I saw videos on youtube and I invested a huge sum of money around lb665,211 which was deposited using Bitcoin with hopes to gain massive returns on my investment. I kept tracking my portfolio and it was increasing daily on the website. It made me excited and confident. Fast forward to 30 Days after, which was supposed to be my payout date, I tried to make a withdrawal as I needed money to foot my bills and buy my new house, but the broker insisted that I continue to invest or will have to pay some fees to withdraw my funds. That was very disappointing to hear, because it was all going smoothly when I deposited the funds. Eventually, I paid the fees which was about lb45,800. I was desperate now because according to my portfolio, I had made about lb1,512,400. Now you see why I was willing to pay the fees. It turned out it was a scheme to keep asking me for more money for one thing or the other, like Taxes, miner fees and so many others. I declined, and instead I won’t pay more. They locked my account for several weeks. A month after, I saw a post on Quora about GHOST CHAMPION HACKERS which stated they were capable of getting my money recovered. With a little faith in me, I contacted them immediately, and discussed my situation, and sent all the information I had.
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  76. Hire Recovery Masters For All Hacking & BTC Recovery:

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  77. A MUST READ FOR ANYONE WHO HAS EVER FALLEN FOR CRYPTO SCAM BEFORE!!!

    My $1.65 million dolllars was stolen by a phoney wallet that refused to let me withdraw it. Their moniker was Coinbox/vip. When I launch the browser on my phone, the platforms page opens with the Coinbase logo. The legal description of their app wallet mentions Coinbase, and the help centre button links to Coinbase help. However, when I contacted Coinbase, they responded via email that they are not affiliated with Coinbox. Coinbox has now informed me that I must pay a 185k tax before receiving my funds. I immediately opened a case with Owlet tech recovery . com, a guaranteed recovery company, they patched me through MR MORRIS GRAY their smart contract developers on Whatsapp with [+1 (607) 698 0239 ] who then immediately performed a smart contract audit using digital triangulation from outsourced wallets. I’m crying right now as I just received a deposit of 127.4 Btc in my trust wallet. I’m now waiting for the Ethereum gas fee to come through so I can detach the remaining from outsourced wallets. his Email is: Morrisgray 830 @ gmail . com…

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  79. My name is Britton, i live somewhere in Southside, I am very happy and thankful to YT7crackersz through the help of Mr Godsent Sylvester Williams for granting me access to a blank Atm Card and i was able to withdraw $3,000 daily for a maximum period of 2 months, that makes it a total withdrawal of $90,000 on the 24 of May 2023. guess what it is safe and secure with no trasses, This message might be of great importance to you out there seeking for a cloned card and having doubts or are scared about it.In other for you not to fall into the wrong hands, my advice to you is to contact this company via Telegram: @ Yt7crackersz & Email: Yt7crackersz @ gmail.com they are the best
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  80. Good day everyone; I have received a blank ATM card from Mr. Bednorz, and with this card, I can make daily withdrawals and buy goods. Every day I am entitled to $5,000 spending from this card, valid for three months. Also, Mr. Georg remains your best bet for recovering your cryptocurrency.
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