Happy Thursday! Here is your WealthKeel Weekly, or what we like to call "news you can use!"
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​What we read this week:

​Why 10% Creates an Infinite Difference♾️
​Small changes in daily habits can lead to dramatically different long‑term outcomes because of how compounding works over time. For example, even a small shift in calorie intake, such as eating 5% more or 5% less than your body needs, can gradually accumulate into meaningful weight gain or loss. While that daily difference may seem insignificant in the moment, over the course of months and years, it adds up to a steady trend in one direction. A 10% swing between overeating and undereating ultimately creates two completely different health trajectories, showing how minor, consistent behaviors can quietly shape major outcomes.

That same idea applies directly to personal finances and long‑term investing. Someone who spends all of their income and saves nothing will never build wealth, regardless of how much time passes. In contrast, someone who consistently saves even a modest percentage, like 10%, and allows those savings to compound over decades can accumulate a substantial portfolio. Over the course of a career, that small difference in behavior results in a massive gap, turning a relatively simple habit into a powerful driver of financial security. Even though the initial difference seems small, the long-term impact becomes enormous because each year builds on the last.

Source: bestinterest.blog
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​How Much Will SpaceX Actually Cost Your Index Fund?🚀​
When a massive company like SpaceX goes public, many investors assume it will have a big impact on their index funds - but in reality, the effect is much smaller than expected. Index funds don’t weight companies based on total valuation alone; they typically use “float” (the portion of shares available for public trading). Since only about 4%–5% of SpaceX shares are expected to trade publicly at IPO, its actual weight in broad market indexes ends up being tiny relative to its headline trillion‑dollar valuation.

Because of this, the dollar impact on a typical portfolio is minimal. In a total market index fund tracking tens of trillions of dollars, SpaceX might represent roughly 0.1% of the portfolio - meaning about $100–$200 of exposure for every $100,000 invested. Even in more concentrated indexes like the Nasdaq‑100, the exposure would still likely remain under 1%. Despite all the headlines about forced buying and index inclusion, the practical effect for most investors is small, highlighting how diversification and index construction naturally limit the influence of even the largest new companies.

Source: ofdollarsanddata.com
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​Matthew Walker, PhD, On The Daily Habits Wrecking America’s Sleep💤
​A large portion of sleep problems today isn’t simply about not trying hard enough to get better rest - it’s the result of everyday habits and environments that work against how the body is designed to sleep. Many people normalize feeling tired, foggy, or wired at night, but these patterns are often driven by modern routines like irregular schedules, late‑night stimulation, and constant exposure to artificial light. Rather than a lack of discipline, the issue is that common daily behaviors, especially those encouraged by work and lifestyle norms, disrupt natural sleep rhythms and make consistent, restorative sleep harder to achieve.

Several specific habits play a major role in this disruption. Light exposure at night interferes with the body’s internal clock, while stimulants like caffeine can linger in the system for hours and reduce sleep quality even if falling asleep feels easy. Alcohol, though it may make you drowsy, fragments deeper stages of sleep, leaving you less restored. Inconsistent sleep timing, stress, and overpacked schedules further compound the problem by preventing the body from settling into a stable rhythm. Together, these small but repeated behaviors add up to chronic sleep disruption, showing how everyday choices, not just bedtime routines, shape overall sleep quality and energy levels.

Source: mindbodygreen.com
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🧩 The WealthKeel Wordle! Click here → WK Wordle to play. The clue this week is: “Summer cookout.”
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A random note or thought for the week:
The next few weeks will be a little lighter on my end as we wrap up the second week of hockey camp (no more camps for a few weeks 🏒) this week, kick off some early summer adventures next, and host the WealthKeel team retreat the following week.

Later this weekend, we’re heading to Disney for a few days—our first family trip there in a few years. We don’t want to miss this special window where Zaidyn can still experience the true magic. Plus, the Florida resident summer rates are too good to pass up!

Right after that, Mari and I are sneaking away for a quick anniversary night while the grandparents bravely take on the three boys.

Then, the following week, we’re hosting our annual WealthKeel team retreat right here in Tampa! This is the one time each year when the entire team flies in, and we pack the agenda with fun and connection. This year includes a cooking class, go-kart racing, and some great meals together.

📽️ Here are some of our most popular WealthKeel YouTube episodes lately. And if you haven't subscribed to the channel yet, you can do so here.

• ​The 2026 Mega Backdoor Roth IRA - A Step-by-Step Guide​
• ​Where Should Your Next Dollar Go? (2026 Guide + Flowchart!)​
• ​The 7 Best Side Hustles for Physicians in 2026 (That Won’t Burn You Out)​
• ​Should YOU Lease or Buy a Car? Free Decision Workflow Inside!​
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Weekly Market Update (as of the close Tuesday)

It’s been a volatile and mixed week following recent record-setting runs. The major indexes showed early resilience but then encountered profit-taking, sector rotation (particularly in tech/chips), and ongoing geopolitical sensitivities. Markets pulled back modestly from highs as investors digested yields, inflation data implications, and Iran-related developments. The Dow held up relatively better amid rotation into defensives, while tech faced more pressure. Oil prices eased notably on ceasefire signals between Iran and Israel.

Key Index Performance (as of Tuesday close):

• Dow: Relative resilience with some choppiness. Closed at 50,786.01 (down modestly on the day but demonstrating leadership in non-tech areas amid rotation).
• S&P 500: Pulled back from recent highs near 7,600. Closed at 7,405.73 on Monday with mixed action Tuesday, remaining solidly above 7,300 but off its peak. Still up strongly YTD.
• Nasdaq: More pronounced moves due to tech rotation. Closed at 25,929.66 on Monday before facing additional pressure Tuesday. Holds significant YTD gains despite recent choppiness.

Broader Context: This follows a strong stretch with multiple record closes, but healthy profit-taking and rotation have introduced volatility. The 10-year Treasury yield eased slightly to around 4.53%. Oil fell sharply (WTI down ~5% at times) on positive ceasefire headlines out of Iran/Israel, though it remains elevated versus pre-tensions levels.

What’s Driving the Action?

• Inflation & Yields: Hotter April CPI (3.8% y/y, energy-driven) continues to support a higher-for-longer rate outlook, pressuring bonds and expectations.
• Geopolitics: Positive signals on U.S./Iran/Israel de-escalation and potential Strait of Hormuz progress drove oil lower and boosted overall market resilience.
• Sector Notes: Tech and semiconductors saw early rebound attempts on AI enthusiasm but faced profit-taking and rotation. Energy moved with oil; defensives and broader participation helped stabilize the Dow.

Notable Development: Excitement is building around SpaceX’s upcoming IPO, expected to price this week (June 11) at $135 per share. The offering is reportedly well oversubscribed with ~$10 billion+ in institutional orders, targeting a massive ~$1.8 trillion valuation in what could be the largest IPO in history.

The fundamentals—corporate earnings resilience, AI tailwinds, and a solid economic backdrop—continue to provide underlying support, but higher yields, energy volatility, and geopolitics underscore the need for diversification and a long-term focus. We’ll watch Fed communications, upcoming data, and any further Iran/SpaceX updates closely.
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Have a wonderful rest of your week, and an awesome weekend!
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Special Offers from Physician Cents:

• Need your Contract reviewed? Contact our good friend Kyle Claussen at Resolve. Use the code "PhysicianCents10" for 10% off!
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Have a great day,
Your WealthKeel Team
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​Disclosures​